Car Insurance Quotes for a Nissan Maxima in Colorado Springs

To save the most money, the best way to get discount Nissan Maxima insurance in Colorado Springs is to start doing an annual price comparison from companies in Colorado.

1. Spend some time learning about auto insurance and the measures you can control to lower rates. Many factors that cause high rates such as multiple speeding tickets and an imperfect credit score can be amended by making minor changes to your lifestyle.
2. Quote rates from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only give prices from one company like GEICO and Allstate, while independent agencies can provide rate quotes from multiple insurance companies.
3. Compare the new quotes to your existing coverage to see if a cheaper price is available. If you can save some money and buy the policy, make sure there is no lapse in coverage.
4. Provide adequate notice to your current company of your intention to cancel your current auto insurance policy. Submit a down payment along with a signed application to the new company. Once the application is submitted, safely store the certificate verifying coverage in a readily accessible location in your vehicle.

An important part of this process is to try to use the same amount of coverage on each quote request and and to get rates from every insurance company. Doing this guarantees a fair rate comparison and a good representation of prices.

Unimaginable but true, nearly 70% of drivers kept buying from the same company for at least the last four years, and almost 40% of drivers have never compared quotes from other companies. Colorado drivers could save approximately 35% every year by just comparing rate quotes, but they just don’t understand how easy it is to compare other rate quotes.

If you are already insured, you will be able to cut your premiums using these techniques. Finding the cheapest car insurance coverage in Colorado Springs is actually quite simple. Although Colorado consumers must understand how companies set your policy premium and use it to find better rates.

The method we recommend to get policy rate comparisons for Nissan Maxima insurance in Colorado Springs is to know auto insurance companies allow for online access to give rate comparisons. To begin a comparison, all you need to do is give them some information like your credit rating estimate, the type of vehicles you drive, driver details, and how much coverage you want. Those rating factors is sent automatically to multiple different insurance companies and you will receive price estimates instantly to find the best rate.

To get price quotes for your Nissan Maxima now, click here then complete the form.

The companies shown below provide free quotes in Colorado Springs, CO. In order to find cheap auto insurance in CO, we recommend you click on several of them in order to get a fair rate comparison.

Coverage statistics and figures

The premium information shown next showcases a range of insurance costs for Nissan Maxima models. Learning a little about how premiums are determined can be of help when making informed coverage decisions.

Cost estimates assume single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Estimates do not factor in zip code location which can lower or raise prices noticeably.

Where to set your deductibles

When shopping for auto insurance, a common question is which comprehensive and collision deductibles to buy. The data tables below can help you understand the difference in cost between low and high coverage deductibles. The first rate estimation uses a $100 physical damage deductible and the second price chart uses a $1,000 deductible.

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, claim-free, and homeowner. Rates do not factor in garaging location in Colorado Springs which can influence premium rates noticeably.

Based on the figures above, using a $100 deductible costs an average of $43 more each month or $516 annually than requesting the higher $1,000 deductible. Since you would have to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you usually have at a minimum 21 months between claim filings, you would probably save some money by going with a higher deductible.

The chart below illustrates how your deductible choice and can impact Nissan Maxima premium costs for each different age category. The data assumes a married female driver, full physical damage coverage, and no discounts are factored in.

Nissan Maxima insurance costs by gender and age

The chart below shows the difference between Nissan Maxima car insurance costs for male and female drivers. The data assumes a clean driving record, no claims, comprehensive and collision coverage, $500 deductibles, drivers are not married, and no discounts are applied to the premium.

Difference between full coverage and liability only rates

The information below shows the comparison of Nissan Maxima insurance costs with and without full coverage. The costs are based on no claims or driving violations, $250 deductibles, drivers are single, and no discounts are taken into consideration.

Are you wasting money paying for full coverage?

There is no exact rule of when to eliminate physical damage coverage on your policy, but there is a guideline you can consider. If the yearly cost of full coverage is more than around 10% of the vehicle’s replacement cost less your deductible, then you might want to consider buying only liability coverage.

For example, let’s assume your Nissan Maxima settlement value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, you would only receive $2,000 after the policy deductible has been paid. If premium cost is more than $200 annually to have full coverage, then it might be time to buy liability only.

There are some scenarios where dropping full coverage is not financially feasible. If you haven’t satisfied your loan, you must maintain physical damage coverage in order to prevent your loan from defaulting. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should keep full coverage.

Why you need auto insurance

Despite the high cost, insurance is mandatory in Colorado but it also protects more than you think.

• Most states have minimum liability requirements which means you are required to carry a specific minimum amount of liability coverage in order to license the vehicle. In Colorado these limits are 25/50/15 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
• If your Nissan Maxima has a loan, most lenders will make it mandatory that you have physical damage coverage to ensure the loan is repaid in case of a total loss. If the policy lapses, the lender will be forced to insure your Nissan for a lot more money and require you to reimburse them for it.
• Auto insurance preserves both your car and your assets. Insurance will also pay for medical expenses for yourself as well as anyone injured by you. Liability insurance also pays expenses related to your legal defense if anyone sues you for causing an accident. If damage is caused by hail or an accident, collision and comprehensive (also known as other-than-collision) coverage will pay all costs to repair after the deductible has been paid.

The benefits of buying enough insurance more than offset the price you pay, particularly when you have a large claim. In a recent study of 1,000 drivers, the average customer is currently overpaying as much as $800 each year so we recommend shopping around each time the policy renews to ensure rates are competitive.

Informed Consumers Know How to Quote Auto Insurance Cheaper

An important part of buying insurance is that you know the factors that come into play when calculating your premiums. When you understand what influences your rates, this enables informed choices that can earn you lower rates. Multiple criteria are part of the calculation when premium rates are determined. Some of the criteria are obvious such as your driving history, although some other factors are more obscure such as whether you are married or your vehicle rating.

• Uninterrupted coverage saves money – Driving without insurance is a misdemeanor and any future policy may cost more because you let your coverage cancel without a new policy in place. In addition to paying higher premiums, the inability to provide proof of insurance might get you a revoked license or a big fine. You may then be required to file a SR-22 with the Colorado motor vehicle department.
• Additional coverages that may be costing you – There are a lot of extra bells and whistles that can waste your money but may not be useful. Insurance for personal injury protection, death and dismemberment, and Farm Bureau memberships are probably not needed. These coverages may sound good when discussing your needs, but now you might not need them so get rid of them and save.

• Youthful drivers pay more – Older insureds are more responsible, cost insurance companies less in claims, and tend to be get fewer driving tickets. Inexperience drivers have a tendency to be easily distracted behind the wheel so they pay higher auto insurance rates.

  The next chart uses these assumptions: single driver, full coverage with $100 deductibles, and no discounts or violations.

• Fewer miles means better costs – The higher the mileage driven in a year the more it will cost to insure it. Most insurance companies calculate prices based upon how much you drive. Vehicles left parked in the garage qualify for better rates as compared to vehicles used primarily for driving to work. Having the wrong rating on your Maxima may be costing you. It’s always a good idea to double check that your vehicle rating reflects the right rating data.
• How credit history affects auto insurance prices – Having a bad credit history is a large factor in determining your rates. If your credit score could use some work, you may save money insuring your Nissan Maxima if you improve your credit rating. Drivers who have very high credit ratings tend to file fewer claims and have better driving records than drivers who have poor credit.
• Multiple policies with one company – Some insurers apply lower prices to buyers who consolidate policies with them. It’s known as a multi-policy discount. This can amount to ten percent or more. Even with this discount, it’s in your best interest to check prices from other companies to verify if the discount is saving money.
• Your stress level may be raising your prices – Jobs such as military personnel, architects, and medical professionals are shown to have the highest average rates attributed to intense work situations and lots of time spent away from family. On the flip side, jobs such as scientists, students and the unemployed have lower than average premiums.

Car insurance discounts are available to lower rates

The price of auto insurance can be rather high, but you might be missing out on some discounts to help bring down the price. Certain discounts will be triggered automatically at the time you complete a quote, but some may not be applied and must be specifically requested before being credited. If you don’t get every credit you qualify for, you are just wasting money.

• Discount for Low Mileage – Low annual miles may allow you to get better premium rates on cars that stay parked.
• Seat Belts Save – Buckling up and requiring all passengers to buckle up before driving may be able to save a few bucks on the premium charged for medical payments and/or PIP.
• Safety Course Discount – Taking a safe driver course could earn you a small percentage discount and easily recoup the cost of the course.
• Bundle and Save – If you insure your home and vehicles with one insurance company you will save at least 10% off all policies.
• Accident-Free Discounts – Drivers who don’t have accidents get the best car insurance rates as opposed to bad drivers.

Drivers should understand that most of the big mark downs will not be given to the entire cost. Most cut individual premiums such as liability, collision or medical payments. Just because it seems like adding up those discounts means a free policy, companies wouldn’t make money that way.

The diagram below visualizes the comparison of Nissan Maxima insurance prices with and without discounts applied to the policy rates. The costs are based on a male driver, no violations or accidents, Colorado state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, homeowner, multi-car, multi-policy, marriage, and safe-driver discounts applied.

Large car insurance companies and a summarized list of policyholder discounts are outlined below.

• State Farm may include discounts for multiple policy, passive restraint, student away at school, defensive driving training, and Drive Safe & Save.
• Progressive includes discounts for online signing, homeowner, good student, continuous coverage, multi-vehicle, multi-policy, and online quote discount.
• Progressive may have discounts that include online signing, multi-policy, online quote discount, homeowner, and good student.
• MetLife discounts include claim-free, accident-free, good student, defensive driver, good driver, multi-policy
• Farm Bureau has discounts for driver training, multi-vehicle, multi-policy, 55 and retired, youthful driver, and renewal discount.
• GEICO offers discounts including membership and employees, anti-lock brakes, multi-policy, seat belt use, defensive driver, and emergency military deployment.
• SAFECO may offer discounts for bundle discounts, safe driver, teen safe driver, accident prevention training, teen safety rewards, and homeowner.

When getting a coverage quote, ask every company how many discounts you can get. Some discounts may not apply to policies in every state.

Auto insurance agents near you

A lot of people prefer to talk to an insurance agent and there is nothing wrong with that. A nice benefit of getting online price quotes is you can get cheap car insurance rates and still have an agent to talk to.

After completing this quick form, your insurance data is submitted to companies in Colorado Springs who will return price quotes for your car insurance coverage. It simplifies rate comparisons since you won’t have to find an agent on your own because quoted prices will be sent immediately to your email address. You can find lower rates without requiring a lot of work. If you need to compare rates from a specific company, just visit that company’s website and fill out their quote form.

Picking the best provider requires you to look at more than just a cheap quote. The following questions are important to ask.

• Is the agent and/or agency licensed to do business in Colorado?
• Are there any hidden costs in their price quote and does it include driving and credit history?
• Are there any discounts that you might be missing?
• Is the agency active in community causes in Colorado Springs?
• When do they do policy reviews?
• Are they involved in claim handling?
• Can they provide you with a list of referrals?

When finding a good insurance agency, there are a couple of different types of agencies and how they can quote your rates. Car insurance policy providers are considered either exclusive or independent (non-exclusive).

Exclusive Agents

Agents that elect to be exclusive normally can only provide a single company’s rates such as Allstate, State Farm and Farm Bureau. Exclusive agencies are unable to shop your coverage around so keep that in mind. Exclusive agents are very knowledgeable on their company’s products which helps overcome the inability to quote other rates.

Shown below is a list of exclusive agencies in Colorado Springs who can help you get rate quotes.

More Colorado Springs agents

Independent Agents (or Brokers)

Agents that elect to be independent do not sell for just one brand and that is an advantage because they can write policies with any number of different companies and possibly get better coverage at lower prices. If they quote lower rates, they can switch companies in-house and you can keep the same agent. When comparing car insurance prices, you absolutely need to include rate quotes from at least one independent agent for maximum quote selection.

Listed below is a short list of independent agencies in Colorado Springs that are able to give price quotes.

More Colorado Springs agents

If you feel you receive good responses to all your questions as well as a affordable price, you’ve probably found an auto insurance agent that is reputable and can service your policy.

Ratings for Colorado auto insurance companies

Picking the best car insurance company is difficult considering how many companies are available to choose from in Colorado Springs. The company rank data in the lists below could help you pick which insurers to look at shopping your coverage with.

Top 10 Colorado Springs Car Insurance Companies Ranked by Value

1. USAA
2. American Family
3. The Hartford
4. Titan Insurance
5. The General
6. Mercury Insurance
7. AAA Insurance
8. State Farm
9. Nationwide
10. Safeco

Top 10 Colorado Springs Car Insurance Companies Ranked by Customer Satisfaction

1. Titan Insurance – 95%
2. USAA – 94%
3. AAA Insurance – 91%
4. State Farm – 90%
5. Nationwide – 90%
6. The Hartford – 89%
7. GEICO – 89%
8. The General – 88%
9. 21st Century – 88%
10. Liberty Mutual – 88%

You can find cheap coverage

You just read some good ideas how to save on Nissan Maxima insurance in Colorado Springs. The most important thing to understand is the more price quotes you have, the better your chances of lowering your prices. Drivers may even discover the best price on insurance is with the smaller companies. Some small companies often have lower prices on specific markets than their larger competitors like GEICO and State Farm.

More affordable insurance in Colorado Springs is attainable both online and from local insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. There are still a few companies who do not offer online quoting and these smaller companies only sell through independent insurance agencies.

To read more, take a look at the articles below:

• Rental Reimbursement Coverage (Allstate)
• How Much are Colorado Springs Car Insurance Quotes for Immigrants? (FAQ)
• How Much is Auto Insurance for Low Credit Scores in Colorado Springs? (FAQ)
• Who Has Cheap Auto Insurance Quotes for a Chevrolet Traverse in Colorado Springs? (FAQ)
• Who Has Affordable Auto Insurance for a School Permit in Colorado Springs? (FAQ)
• What Insurance is Cheapest for a Nissan Rogue in Colorado Springs? (FAQ)
• Child Safety Seats (Insurance Information Institute)
• Red Light Cameras (State Farm)
• Collision Coverage (Liberty Mutual)