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.

Insurance rates Nissan Maxima in Colorado SpringsUnimaginable 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.

Nissan Maxima Insurance Rates in Colorado Springs, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Maxima 3.5 S $308 $534 $474 $28 $142 $1,486 $124
Maxima 3.5 SV $308 $616 $474 $28 $142 $1,568 $131
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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.

Nissan Maxima insurance 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 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
Get Your Own Custom Quote Go

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.

How to calculate if a higher deductible is a good decision

Average monthly premium for $100 deductibles: $131
Average monthly premium for $1,000 deductibles (subtract): – $88
Monthly savings from raising deductible: $43
Difference between deductibles ($1,000 – $100): $900
Divide difference by monthly savings: $900 / $43
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 21 months

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.

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.

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.Cheaper car insurance with discounts

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.

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.

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.

2606 Palmer Park BlvdColorado Springs, CO 80909(719) 630-1800View Map

1614 Academy Blvd N bColorado Springs, CO 80909(719) 596-1414View Map

11550 Ridgeline Dr #118Colorado Springs, CO 80921(719) 599-8200View Map

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.

2306 N Powers Blvd #120Colorado Springs, CO 80915(719) 591-4500View Map

1880 Dublin Blvd # CColorado Springs, CO 80918(719) 528-1555View Map

1837 Austin Bluffs Pkwy #101Colorado Springs, CO 80918(719) 268-1300View Map

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.

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