How many times have you told yourself to find cheaper auto insurance rates in Charlotte, NC? Charlotte shoppers have lots of choices when shopping for low-cost Nissan Maxima insurance. You can either waste hours contacting agents to compare prices or save time using the internet to get rate quotes. There is a better way to buy auto insurance and we’ll show you the quickest way to get price quotes for a Nissan and locate the cheapest rates from Charlotte insurance agents and online providers.
Companies offering Nissan Maxima insurance in North Carolina
The car insurance companies shown below offer free quotes in North Carolina. In order to find cheap auto insurance in Charlotte, NC, we suggest you get rates from several of them to get a more complete price comparison.
Nissan Maxima coverage analysis
The rate information shown below highlights estimates of insurance premium costs for Nissan Maxima models. Being able to understand how car insurance premiums are established is important for you to make informed decisions when comparing rate quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Maxima 3.5 S | $246 | $420 | $256 | $16 | $76 | $1,014 | $85 |
| Maxima 3.5 SV | $246 | $482 | $256 | $16 | $76 | $1,076 | $90 |
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Cost estimates assume married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Rate quotes do not factor in specific location information which can lower or raise prices considerably.
Physical damage deductibles: Should you raise them?
The hardest decision when buying coverage is how high or low should comp and collision deductibles be. The premium rates below illustrate the cost difference between high and low physical damage coverage deductibles. The first rate comparisons uses a $250 deductible for physical damage and the second price table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Maxima 3.5 S | $242 | $382 | $250 | $14 | $74 | $987 | $82 |
| Maxima 3.5 SV | $242 | $440 | $250 | $14 | $74 | $1,045 | $87 |
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| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Maxima 3.5 S | $150 | $240 | $250 | $14 | $74 | $728 | $61 |
| Maxima 3.5 SV | $150 | $276 | $250 | $14 | $74 | $764 | $64 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Rate quotes do not factor in zip code location which can affect insurance rates considerably.
Based on the figures above, using a $250 deductible costs roughly $22 more each month or $264 a year than buying the higher $1,000 deductible. Since the policyholder would be required to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to average at a minimum 34 months between claim filings, you would probably come out ahead by selecting a higher deductible.
The illustration below highlights how deductible choice and can impact Nissan Maxima insurance premiums for each age group. The rates are based on a single male driver, comprehensive and collision coverage, and no other discounts are factored in.
How Car Insurance Companies Calculate Nissan Maxima Insurance Costs
Many factors are taken into consideration when you quote your car insurance policy. A few of the factors are predictable such as traffic violations, although some other factors are not as apparent like your vehicle usage or your financial responsibility.
- Cheaper rates after marriage – Having a spouse can get you a discount on your policy. Marriage generally demonstrates drivers are more responsible and it’s statistically proven that married drivers tend to file fewer claims.
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Premiums for men may be higher – Over the last 50 years, statistics have shown that women are safer drivers than men. This data doesn’t prove that females are better at driving than males. Males and females tend to get into auto accidents at a similar rate, but guys get into accidents with more damage. Men also statistically receive more major tickets like driving under the influence (DUI). Male drivers age 16 to 19 generally have the highest accident percentage and therefore pay the highest rates.
The information below illustrates the difference between Nissan Maxima premium costs for male and female drivers. The premiums are based on no claims or driving violations, full coverage, $250 deductibles, drivers are single, and no other discounts are factored in.
- High physical damage deductibles equal low rates – Insurance for physical damage to your car, also known as collision and other-than-collision, is used to repair damage to your Nissan. Some coverage claims are a broken side mirror, hitting a deer, or theft. Deductibles for physical damage are the amount of money you are required to spend out-of-pocket if you file a covered claim. The more damage repair cost you choose to pay out-of-pocket, the bigger discount you will receive.
- Insurance companies don’t like frequent insurance claims – If you are the type of insured that files lots of claims you shouldn’t be surprised to get increased rates or even have your policy non-renewed. Car insurance companies in North Carolina give better rates to insureds who are not frequent claim filers. Auto insurance is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
- How many miles do you drive? – Driving more miles in a year’s time the more you’ll pay to insure your vehicle. A lot of companies apply a rate determined by how the vehicle is used. Autos that are left in the garage can get a lower rate than vehicles that are driven to work every day. It’s always a good idea to double check that your insurance policy states the correct driver usage. Incorrect rating for your Maxima can cost quite a bit.
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Older drivers save more – Older insureds are more responsible, tend to file fewer claims, and get fewer tickets. Drivers with little experience have been known to be easily distracted when at the wheel of a vehicle so they pay higher insurance rates.
The following data assumes a single driver, full coverage with $1000 deductibles, and no discounts or violations.
- Add-on coverages can cost a lot – Insurance policies have a lot of additional extra coverages you can purchase on your insurance policy. Coverages for roadside assistance, accidental death, and additional equipment coverage are probably not needed. You may think they are a good idea initially, but now you might not need them so consider taking them off your policy.
- Liability insurance limits are a factor – Liability coverage provides coverage if ever you are found to be at fault for causing personal injury or damage in an accident. Your policy’s liability insurance provides legal defense coverage up to the limits shown on your policy. This coverage is relatively inexpensive compared to physical damage coverage, so drivers should carry high limits.
Cheaper rates with these money saving discounts
Not too many consumers would say auto insurance is affordable, but discounts can save money and there are some available that can dramatically reduce your bill. Most are applied when you quote, but a few must be asked for before you get the savings.
- Full Payment Discount – If you pay your entire premium ahead of time rather than paying in monthly installments you can actually save on your bill.
- Low Mileage Discounts – Driving fewer miles can earn lower prices on the low mileage vehicles.
- Distant Student Discount – Kids who are attending college without a vehicle on campus could get you a discount.
- Discounts for Multiple Vehicles – Insuring several vehicles with the same auto insurance company may reduce the rate for each vehicle.
- Accident Free – Claim-free drivers have much lower rates when compared to policyholders that have many claims.
It’s important to understand that some of the credits will not apply to the whole policy. Most only cut individual premiums such as comprehensive or collision. Just because you may think you would end up receiving a 100% discount, companies don’t profit that way.
The diagram below visualizes the comparison of Nissan Maxima annual premium costs with and without discounts applied to the policy premium. The rate quotes are based on a male driver, no claims or driving citations, North Carolina state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, multi-policy, safe-driver, homeowner, and claim-free discounts applied.
To see companies with the best Nissan Maxima insurance discounts in Charlotte in Charlotte, click here.
Auto insurance is available from agents near you
Some consumers just want to have an agent’s advice and doing so can bring peace of mind Experienced insurance agents are trained to spot inefficiencies and help you file claims. One of the benefits of comparing auto insurance online is you may find better rates and still buy from a local agent.
After filling out this quick form, the coverage information is submitted to local insurance agents who will return price quotes for your coverage. There is no reason to find an agent on your own since rate quotes are delivered directly to your email. If you wish to get a price quote from a particular provider, don’t hesitate to go to their quote page and give them your coverage information.
Selecting an company should depend on more than just the price. Any good agent in Charlotte should know the answers to these questions.
- Is coverage determined by price?
- Will they give you a referral list?
- How many years have they been established?
- How often do they review coverages?
- Do they see any coverage gaps in your plan?
- What insurance companies do they work with in Charlotte?
- Will the agent help in case of a claim?
- Is their price quote a firm figure or are their hidden costs?
If you are wanting to purchase auto insurance from a local agent, it can be helpful to understand the types of insurance agents and how they differ in how they can insure your vehicles. Agencies in Charlotte can be classified as either independent (non-exclusive) or exclusive. Either one can sell affordable auto insurance policies, but it’s good to learn the difference in the companies they write for because it may have an impact on which agent you choose.
Exclusive Auto Insurance Agencies
Agents that elect to be exclusive write business for a single company like Farmers Insurance and State Farm. Exclusive agents cannot provide rate quotes from other companies so you need to shop around if the rates are high. Exclusive agents are well schooled on their products and sales techniques which helps them sell insurance even at higher premiums. Many people use the same agent mostly because of high brand loyalty and strong financial ratings.
The following are exclusive insurance agents in Charlotte who can help you get comparison quotes.
- Allstate Insurance: Michael Randolph
1001 W W.T. Harris Blvd m – Charlotte, NC 28213 – (704) 549-1710 – View Map - Todd Younker – State Farm Insurance Agent
7725 Matthews-Mint Hill Road – Charlotte, NC 28227 – (704) 545-9111 – View Map - Michael Grant – State Farm Insurance Agent
1727 East Blvd – Charlotte, NC 28203 – (704) 373-7444 – View Map
Independent Agents (or Brokers)
Independent insurance agents often have affiliation with several companies and that enables them to quote your coverage with multiple insurance companies and potentially find a lower price. If they find a cheaper price, the business is moved internally and you don’t have to find a new agent.
If you need lower rates, we recommend you get quotes from independent agents to have the most options to choose from. Most also have access to additional companies that you may not be familiar with who may have lower rates.
The following are independent agents in Charlotte willing to provide comparison quotes.
- Michael A Goodman Insurance Agency Inc
6401 Carmel Rd Ste 208 – Charlotte, NC 28226 – (704) 541-8660 – View Map - The Tillman Agency – Nationwide Insurance
8440 Rea Rd STE P – Charlotte, NC 28277 – (704) 960-1860 – View Map - Mark McDuffie Insurance Agency
6101 Carnegie Blvd #415 – Charlotte, NC 28209 – (704) 364-9227 – View Map
Once you have received good responses and locked in a price quote, you may have just found an insurance agent that is a good match to properly insure your vehicles.
Compare but don’t skimp
Low-cost Nissan Maxima insurance in Charlotte can be purchased online and with local Charlotte insurance agents, so you need to quote Charlotte auto insurance with both in order to have the best price selection to choose from. Some auto insurance companies may not have online quoting and most of the time these smaller companies provide coverage only through independent agencies.
Insureds switch companies for a variety of reasons including poor customer service, not issuing a premium refund, high prices or even policy non-renewal. Regardless of your reason for switching companies, finding the right auto insurance provider is pretty simple and you could end up saving a buck or two.
As you prepare to switch companies, never buy poor coverage just to save money. In many cases, an insured cut comprehensive coverage or liability limits only to find out that the savings was not a smart move. Your objective should be to buy a smart amount of coverage at an affordable rate, but do not sacrifice coverage to save money.
Steps to finding cheaper Nissan Maxima insurance in Charlotte
If saving the most money is your goal, then the best way to save money on Nissan Maxima insurance is to regularly compare quotes from insurance carriers who provide car insurance in Charlotte.
- Step 1: Take a few minutes and learn about how insurance companies determine prices and the measures you can take to prevent rate increases. Many policy risk factors that cause rate increases such as careless driving and a negative credit score can be improved by making small lifestyle or driving habit changes.
- Step 2: Quote rates from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only quote rates from a single company like Progressive or Allstate, while agents who are independent can provide price quotes from multiple insurance companies.
- Step 3: Compare the price quotes to your existing policy to determine if switching companies saves money. If you can save some money and decide to switch, ensure there is no coverage lapse between policies.
- Step 4: Provide adequate notice to your current company of your decision to cancel your current coverage and submit payment and a completed application for your new policy. Be sure to put the new certificate verifying coverage in a readily accessible location in your vehicle.
The key thing to remember is that you use similar deductibles and liability limits on each quote request and and to compare as many companies as you can. Doing this provides an apples-to-apples comparison and a good representation of prices.
More information is located at these links:
- Higher speed limits cause more fatalities (Insurance Institute for Highway Safety)
- Who Has Cheap Auto Insurance for Nurses in Charlotte? (FAQ)
- How Much is Auto Insurance for Teenage Males in Charlotte? (FAQ)
- Who Has Cheap Charlotte Auto Insurance Quotes for Drivers Requiring a SR22? (FAQ)
- Warning systems don’t curb driver distraction (Insurance Institute for Highway Safety)
- Child Safety Seats (Insurance Information Institute)
- Prom Night Tips for Teen Drivers (State Farm)
- New vehicle ratings focus on headlights (Insurance Institute for Highway Safety)