Cheapest Quotes for Nissan Maxima Insurance in Detroit

The preferred way to find low-cost Nissan Maxima insurance is to compare prices regularly from insurers in Detroit.

  1. Spend some time learning about coverages and the measures you can control to prevent expensive coverage. Many things that cause high rates like speeding tickets, careless driving and an imperfect credit rating can be amended by making minor driving habit or lifestyle changes.
  2. Compare prices from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can give quotes from one company like Progressive or State Farm, while independent agencies can provide prices from many different companies.
  3. Compare the new rates to your existing rates and determine if cheaper Maxima coverage is available. If you can save money, make sure coverage is continuous and does not lapse.
  4. Provide notification to your current company to cancel your current car insurance policy and submit a signed application and payment to the new company. When you receive it, safely store the certificate verifying proof of insurance with your registration paperwork.

The key aspect of shopping around is to compare similar coverage information on each quote and to quote with as many different insurance providers as possible. This ensures the most accurate price comparison and many rates to choose from.

Insurance for Nissan MaximaRegrettably, most drivers renewed their policy with the same company for well over three years, and just under half have never compared rates with other companies. With the average premium in Michigan being $6,260, drivers could save about $3,840 a year just by shopping around, but they just assume it takes a lot of time to compare rates online.

If you have insurance now, you will most likely be able to reduce premiums using the techniques presented in this article. Buying the cheapest insurance in Detroit is actually quite easy if you know where to start. But Michigan vehicle owners need to have an understanding of the way insurance companies determine how much to charge and apply this information to your search.

Ways to get Nissan Maxima insurance rate quotes in Detroit, Michigan

Just keep in mind that comparing more quotes gives you a better chance of getting a lower rate.

The companies shown below are our best choices to provide quotes in Michigan. If you want the best cheap car insurance in Detroit, MI, we suggest you get price quotes from several of them to get the best price comparison.

Rates and data analysis

The price information shown below covers estimates of coverage costs for Nissan Maxima models. Having insight into how policy rates are figured can help drivers make decisions on which insurance to purchase.

Nissan Maxima Insurance Rates in Detroit, MI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Maxima 3.5 S $516 $880 $650 $38 $194 $2,278 $190
Maxima 3.5 SV $516 $1012 $650 $38 $194 $2,410 $201
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Data rating is based on married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Michigan minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Prices do not factor in vehicle location which can influence prices considerably.

Deductible comparison

When buying auto insurance, a common question is where to set your physical damage deductibles. The premium rates below show the premium difference between high and low comp and collision deductibles. The first data set uses a $250 deductible for comp and collision and the second rate chart uses a $1,000 deductible.

Nissan Maxima insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Maxima 3.5 S $670 $1060 $690 $40 $206 $2,691 $224
Maxima 3.5 SV $670 $1220 $690 $40 $206 $2,851 $238
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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 $414 $666 $690 $40 $206 $2,016 $168
Maxima 3.5 SV $414 $768 $690 $40 $206 $2,118 $177
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Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Michigan minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Premium costs do not factor in vehicle garaging location which can modify coverage prices considerably.

Based on the figures above, using a $250 deductible will cost you approximately $58 more each month or $696 every year across all Nissan Maxima models than selecting the higher $1,000 deductible. Due to the fact that you would have to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to go more than 13 months between claims, you would save money by selecting a higher deductible.

The chart below illustrates how choosing a deductible and can impact Nissan Maxima insurance rates for each different age category. The prices are based on a married male driver, full physical damage coverage, and no discounts are applied.

Nissan Maxima liability rates compared to full coverage

The example below compares Nissan Maxima yearly insurance costs when comparing full coverage to liability only. The prices are based on no tickets, no at-fault accidents, $250 deductibles, single status, and no discounts are taken into consideration.

When to buy liability coverage only

There is no set guideline to delete physical damage coverage on your policy, but there is a broad guideline. If the annual cost of having full coverage is more than about 10% of replacement cost minus your deductible, then it’s probably a good time to buy liability coverage only.

For example, let’s assume your Nissan Maxima replacement value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most you would receive is $6,000 after the deductible is paid. If premiums are more than $600 a year for your policy with full coverage, then it might be time to consider dropping full coverage.

There are some scenarios where removing full coverage is not a good plan. If you haven’t paid off your loan, you are required to maintain full coverage in order to keep the loan. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should not opt for liability only.

Can’t I get rate quotes from local Detroit auto insurance agents?

A lot of people still like to talk to a local agent and that is not a bad decision One of the great benefits of comparing rates online is the fact that you can find cheap insurance quotes and also buy local. Supporting local agencies is definitely important in Detroit.

Detroit insurance agentsTo help locate an agent, after submitting this form (opens in new window), the coverage information is instantly submitted to local insurance agents who will give competitive quotes for your insurance coverage. You don’t have to contact an agency due to the fact that quote results will go to you directly. You can find the lowest rates and an insurance agent to talk to. If you have a need to get a price quote from a specific insurance provider, just find their quoting web page and submit a quote form there.

Compare rates from both independent and exclusive auto insurance agents

If you prefer to buy insurance from a reputable insurance agent or broker, you should know the different agency structures to choose from. Insurance policy providers may be either exclusive agents or independent agents.

Independent Insurance Agents

Agents of this type are normally appointed by many insurers so they can quote policies with lots of companies enabling the ability to shop coverage around. If they find a lower price, the business is moved internally and you won’t have to switch agencies. If you need cheaper insurance rates, you should always get some free quotes from independent agents to have the most options to choose from.

Shown below is a short list of independent agencies in Detroit that may be able to provide free rate quotes.

3245 E Jefferson AveDetroit, MI 48207(313) 877-7400View Map

6248 Michigan AveDetroit, MI 48210(313) 896-1000View Map

Thomas L Whatley Agency Inc
14710 Puritan AveDetroit, MI 48227(313) 272-5955View Map

More insurance agents

Exclusive Agents

Agents that choose to be exclusive can only quote rates from one company like American Family, State Farm, and AAA. Exclusive agents cannot place coverage with different providers so always compare other rates. They are very knowledgeable in insurance sales and that enables them to sell even at higher rates.

Below is a short list of exclusive insurance agencies in Detroit who can help you get comparison quotes.

3570 W Vernor HwyDetroit, MI 48216(313) 849-2000View Map

Jim Saucedo – State Farm Insurance Agent
5602 Vernor HwyDetroit, MI 48209(313) 841-8100View Map

7100 W Seven Mile RdDetroit, MI 48221(313) 340-9000View Map

More insurance agents

Deciding on an auto insurance agent requires you to look at more than just the premium amount. Any agent in Detroit should have no problem answering these questions: