Insurance quote for Nissan Maxima in Fort CollinsHas it been a year or more since you last compared quotes for more affordable Nissan Maxima insurance in Fort Collins? Locating cheaper Fort Collins Nissan Maxima insurance quotes can be intimidating for consumers who are new to comparing rates on the web. With dozens of insurance companies available, how are consumers expected to efficiently compare each option to find better auto insurance prices?

Inconceivable but true, about 70% of customers kept buying from the same company for a minimum of four years, and nearly 40% of drivers have never compared auto insurance rates at all. Fort Collins consumers could save almost 35% every year just by comparing rates, but most just don't grasp the amount of money they would save if they just switched companies.

Finding the cheapest car insurance coverage in Fort Collins is much easier if you know where to start. Basically, everyone who wants cheaper car insurance stands a good chance to find a lower price. Although Colorado vehicle owners do need to understand the way companies determine prices because it varies considerably.

Fort Collins insurance discounts for a Nissan Maxima

Insurance is not inexpensive, but you may be missing some discounts that you may not even be aware of. Certain credits will be shown when you purchase, but occasionally some discounts must be inquired about before you will receive the discount.

One thing to note about discounts is that most credits do not apply to the overall cost of the policy. Most only cut the cost of specific coverages such as comprehensive or collision. So even though it sounds like adding up those discounts means a free policy, insurance companies aren't that generous. But all discounts will help lower the amount you have to pay.

Insurance companies that may have some of the discounts shown above possibly include:

If you are trying to find inexpensive Fort Collins auto insurance quotes, ask every insurance company which discounts they offer. Discounts might not be available to policyholders in your area. If you would like to see a list of providers with the best discounts in Colorado, follow this link.

Most companies make it easy to get prices directly from their websites. Comparing Nissan Maxima insurance rates online is easy for anyone as you just type in your coverage information into a form. Once entered, their rating system requests reports for credit and driving violations and returns a price based on the data you entered.

This makes comparing rates easy, and it's also necessary to do this if you are searching for the lowest possible payments on car insurance.

To save time and find out what other companies charge, compare rates now from the companies shown below. If you have a policy now, it's recommended you duplicate the insurance coverages exactly as shown on your declarations page. This guarantees you're receiving an apples-to-apples comparison for the exact same coverage.

The companies in the list below have been selected to offer price comparisons in Fort Collins, CO. If multiple companies are shown, we recommend you click on several of them in order to get a fair rate comparison.

Nissan Maxima Insurance Rate Estimates in Fort Collins, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Maxima 3.5 S $390 $538 $460 $28 $138 $1,554 $130
Maxima 3.5 SV $238 $490 $396 $24 $118 $1,266 $106
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Data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Rates do not factor in your specific Fort Collins location which can modify insurance rates noticeably.

Should you raise deductibles?

When buying auto insurance, a common question is how low should you set your deductibles. The comparison tables below can help you understand the premium difference when you choose different policy deductibles. The first price estimate table uses a $100 deductible for comp and collision and the second price chart uses a $1,000 deductible.

Nissan Maxima insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Maxima 3.5 S $380 $644 $352 $20 $106 $1,527 $127
Maxima 3.5 SV $380 $740 $352 $20 $106 $1,623 $135
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Nissan Maxima insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Maxima 3.5 S $210 $340 $352 $20 $106 $1,028 $86
Maxima 3.5 SV $210 $390 $352 $20 $106 $1,078 $90
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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Price information does not factor in your specific Fort Collins location which can influence insurance rates noticeably.

We can estimate from the data above that using a $100 deductible costs about $43 more each month or $516 a year than selecting the higher $1,000 deductible. Due to the fact that you would have to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you normally average at least 21 months between claims, you would save more money if you elect the higher deductible.

Nissan Maxima Insurance Price Factors

An important part of buying insurance is that you know some of the factors that help calculate auto insurance rates. When you know what positively or negatively determines premiums, this allows you to make educated decisions that could result in lower rates.

Shown below are some of the major factors companies use to determine rates.

More stress means more cost - Do you have a high-stress occupation? Jobs like military personnel, social workers and stock brokers usually pay the highest average rates attributed to high stress levels and lots of time spent away from family. Conversely, careers such as farmers, athletes and homemakers pay the least.

Bundling policies can get discounts - Most larger insurers allow discounts to customers that purchase more than one policy such as combining an auto and homeowners policy. This can amount to as much as ten percent or more Even if you're getting this discount it's in your best interest to check prices from other companies to guarantee you are still saving the most.

Safety ratings are a factor - Cars with high safety ratings get lower rates. These vehicles reduce the chance of injuries and any reduction in injury severity means less money paid by your insurance company and thus lower rates. If the Nissan Maxima scored at minimum four stars on or an "acceptable" rating on you may pay a lower rate.

Higher physical damage deductibles are cheaper - Physical damage insurance, also called comprehensive and collision insurance, is used to repair damage to your Nissan. Some instances where coverage would apply are a broken windshield, damage caused by hail, and windstorm damage. Your deductibles are how much you are willing to pay if a covered claim is submitted. The larger the amount you pay before a claim is paid (deductible), the less your auto insurance will be.

Being married equates to better premiums - Having a wife or husband helps lower the price when shopping for auto insurance. Having a significant other may mean you are less irresponsible and it's proven that married drivers tend to file fewer claims.

Extra coverages you don't use - Insurance companies have many extra bells and whistles that may not really be needed on your auto insurance policy. Coverages for roadside assistance, towing coverage, and motor club memberships could be just wasting money. They may seem good when you first buy your policy, but your money might be better spent on other coverage so eliminate them to save money.

High policy claims frequency drives up auto insurance rates - Companies in Colorado give discounts to insureds who file claims infrequently. If you file a lot of claims you can definitely plan on either policy cancellation or increased premiums. Auto insurance is intended for more catestrophic claims.

Insurance agents can help

When it comes to buying coverage online or from an agent for your personal vehicles, there really is no best way to insure your cars. Your financial needs are unique so your insurance needs to address that. For instance, these questions can aid in determining if your situation may require specific advice.

If you can't answer these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you don't have a local agent, complete this form or you can go here for a list of companies in your area.

Neighborhood Fort Collins auto insurance agents

A lot of people just prefer to have an agent's advice and doing so can bring peace of mind A nice benefit of getting free rate quotes online is that you can obtain lower premium rates and still choose a local agent.

Insurance agents in Fort CollinsUpon completion of this simple form, your coverage information is sent to local insurance agents in Fort Collins who will give competitive quotes for your car insurance coverage. There is no reason to find an agent on your own due to the fact that quote results will go to your email. Get lower rates AND a local agent. In the event you want to get a comparison quote for a specific company, you would need to jump over to their website and submit a quote form there.

Choosing the best insurer is decision based upon more than just the premium amount. Any good agent in Fort Collins should know the answers to these questions.

Pick the best car insurance agent in Fort Collins for you

If you would like to find a local insurance agency, it's helpful to know the different types of agencies and how they can service your needs differently. Car insurance agents in Fort Collins can be classified as either exclusive or independent.

Exclusive Car Insurance Agents

Exclusive agents normally can only provide a single company's rates and examples are American Family, State Farm, and Allstate. They generally cannot compare rates from other companies so keep that in mind. Exclusive agents receive extensive training on the products they sell which helps overcome the inability to quote other rates. Consumers often buy from the same agent for years mainly due to the brand legacy rather than low price.

Listed below are Fort Collins exclusive insurance agents that are able to give price quote information.

More Fort Collins agents

Independent Agencies or Brokers

Agents in the independent channel do not work for one specific company and that is an advantage because they can write policies with multiple insurance companies and find the cheapest rate. If you are not satisfied with one company, they can switch companies in-house and you won't have to switch agencies. If you are comparing rate quotes, we highly recommend that you get several quotes from a couple of independent agencies to get the best comparison. Most also write with mutual insurance companies which can be an advantage.

Shown below is a short list of independent insurance agents in Fort Collins that can give you comparison quotes.

More Fort Collins agents

Auto insurance in Colorado serves several purposes

Despite the high insurance cost for a Nissan Maxima in Fort Collins, paying for auto insurance is required for several reasons.

The benefits of buying enough insurance are without a doubt worth the cost, especially with large liability claims. According to a survey of 1,000 drivers, the average driver overpays more than $820 a year so you should quote your policy with other companies each time the policy renews to ensure rates are inline.

The most affordable rates come from being thorough

Throughout this article, we presented many tips how you can reduce Nissan Maxima insurance prices online in Fort Collins. It's most important to understand that the more providers you compare, the higher the chance of saving money. Drivers may even discover the best price on auto insurance is with an unexpected company. These companies may only write in your state and offer lower rates compared to the large companies like Allstate and Progressive.

Cheaper auto insurance in Fort Collins is possible both online and also from your neighborhood Fort Collins agents, and you need to comparison shop both in order to have the best chance of saving money. Some auto insurance companies may not offer the ability to get quotes online and usually these smaller providers only sell coverage through local independent agents.

When buying insurance coverage, do not reduce coverage to reduce premium. In many cases, consumers will sacrifice collision coverage to discover at claim time that the savings was not a smart move. The proper strategy is to buy the best coverage you can find at the best possible price, but do not skimp to save money.

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