Car Insurance Quotes for a Nissan Maxima in Portland

To save the most money, the best way to find more affordable Nissan Maxima insurance in Portland is to compare prices annually from insurance carriers in Oregon. Drivers can shop around by completing these steps.

1. Take a little time to learn about how insurance works and the things you can change to prevent high rates. Many risk factors that drive up the price such as high-risk driving behaviors and poor credit history can be controlled by making minor driving habit or lifestyle changes.
2. Request price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can give quotes from a single company like GEICO or Farmers Insurance, while agents who are independent can quote rates for many different companies. Get quotes now
3. Compare the new quotes to your existing policy and see if there is a cheaper rate. If you find a lower rate and switch companies, ensure coverage does not lapse between policies.

One thing to point out is to compare the same coverage limits and deductibles on every price quote and and to get rates from as many car insurance companies as possible. Doing this guarantees a fair rate comparison and many rates to choose from.

Sad but true, most car insurance buyers have bought car insurance from the same company for more than four years, and approximately 40% of consumers have never compared rates with other companies. Oregon insurance shoppers can save hundreds of dollars each year by just comparing rate quotes, but they don’t know the amount of savings they would get if they switch to a new company.

Obtaining price quotes for the most affordable car insurance in Portland is simple if you know the tricks. Just about every vehicle owner who compares rates for car insurance will find a lower-cost policy. Although Oregon car owners can benefit from knowing how the larger insurance companies market insurance on the web because rates are impacted by many factors.

Keep in mind that comparing more quotes helps improve the odds of finding more affordable insurance. Some insurance companies are not set up to provide price estimates online, so it’s important to also get price estimates on coverage from those companies, too.

The providers in the list below can provide quotes in Oregon. If you want to find cheap auto insurance in Oregon, we suggest you visit two to three different companies to get the most affordable price.

Insurance is an important decision

Despite the high insurance cost for a Nissan Maxima in Portland, insurance may be required for several reasons.

First, most states have mandatory liability insurance requirements which means it is punishable by state law to not carry a minimum amount of liability protection in order to license the vehicle. In Oregon these limits are 25/50/20 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $20,000 of property damage coverage.

Second, if your vehicle has a loan, it’s guaranteed your bank will stipulate that you buy insurance to ensure they get paid if you total the vehicle. If you default on your policy, the bank or lender will purchase a policy for your Nissan at a much higher rate and force you to pay the higher premium.

Third, insurance protects both your assets and your vehicle. It will also cover most medical and hospital costs for yourself as well as anyone injured by you. Liability coverage will also pay attorney fees if someone files suit against you as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, comprehensive and/or collision insurance will cover the repair costs.

The benefits of having insurance are definitely more than the cost, especially with large liability claims. According to a recent study, the average American driver overpays as much as $810 a year so you should quote your policy with other companies at every policy renewal to ensure rates are inline.

Detailed insurance information

The premium information below showcases detailed analysis of insurance coverage prices for Nissan Maxima models. Having a good grasp of how car insurance premiums are calculated is important for drivers to make informed coverage decisions.

Price data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Oregon minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Premium amounts do not factor in specific Portland garaging location which can influence price quotes noticeably.

Physical damage deductible comparison

One of the more difficult decisions when buying insurance is how high should the deductibles for physical damage be. The figures shown below can help you visualize the cost difference when you select higher and lower coverage deductibles. The first set of rates uses a $250 deductible and the second set of prices uses a $1,000 deductible.

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Oregon minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Rate quotes do not factor in vehicle garaging location which can change rates significantly.

Based on the data above, we can derive that using a $250 deductible will cost you approximately $28 more each month or $336 each year averaged for all Maxima models than choosing the higher $1,000 deductible. Since the policyholder would be required to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you normally go at least 27 months between claim filings, you would most likely save money if you choose a higher deductible.

The illustration below shows how choosing a deductible and can impact Nissan Maxima insurance costs for each age group. Data assumes a married female driver, comprehensive and collision coverage, and no policy discounts are applied.

Insurance premiums for males and females

The illustration below shows the comparison of Nissan Maxima car insurance costs for male and female drivers. The premiums assume no accidents, no driving violations, full physical damage coverage, $500 deductibles, single status, and no discounts are applied.

Determine discounts on Portland auto insurance

Buying auto insurance is not cheap, but you may be missing some discounts that could drop your premiums quite a bit. A few discounts will be applied at the time of purchase, but some discounts are required to be asked for before you get the savings.

• Anti-theft System – Cars, trucks, and SUVs equipped with anti-theft or alarm systems are less likely to be stolen and will qualify for a discount on a Portland auto insurance quote.
• Defensive Driver Discount – Taking a course in driver safety could possibly earn you a 5% discount and easily recoup the cost of the course.
• Telematics Data – Policyholders that allow their insurance company to monitor vehicle usage remotely such as Drivewise from Allstate or Snapshot from Progressive may get a rate reduction if they are good drivers.
• Senior Citizens – If you qualify as a senior citizen, you can possibly qualify for a small decrease in premiums.
• Drive Safe and Save – Drivers who avoid accidents can save as much as half off their rates compared to accident prone drivers.
• Seat Belts Save more than Lives – Requiring all passengers to fasten their seat belts can save 10% or more off the medical payments premium.
• Passive Restraint Discount – Vehicles with factory air bags and/or automatic seat belt systems may qualify for discounts of 25 to 30%.
• Discount for Low Mileage – Fewer annual miles on your Nissan may allow you to get lower prices due to less chance of an accident.
• Club Memberships – Being in qualifying employment or professional organizations is a good way to get lower rates on your bill.

We need to note that most discounts do not apply to the entire cost. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Despite the appearance that you would end up receiving a 100% discount, it doesn’t quite work that way.

The information below shows the difference between Nissan Maxima annual premium costs with and without discounts. The costs are based on a male driver, no driving violations, no at-fault accidents, Oregon state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, safe-driver, multi-policy, homeowner, multi-car, and claim-free discounts applied.

Some companies that may have these benefits include:

• State Farm
• Liberty Mutual
• American Family
• Progressive
• Farmers Insurance
• Auto-Owners Insurance
• SAFECO

Before buying, ask every insurance company which discounts you may be entitled to. Some discounts listed above may not apply to policies in Portland. To see insurance companies that provide some of the discounts listed above in Oregon, follow this link.

Different people need different insurance coverages

When it comes to buying a policy, there isn’t really a one size fits all plan. Everyone’s situation is a little different and your insurance should be unique as well.
For instance, these questions might point out whether your personal situation would benefit from professional advice.

• Do they offer discounts for home and auto coverage?
• Am I covered if I hit someone who is not insured?
• Do all my vehicles need collision coverage?
• Where can I get insurance after a DUI in Oregon?
• What is PIP insurance?
• When should I remove my kid from my policy?
• Why am I be forced to buy a membership to get insurance from some companies?
• How can I get the company to pay a claim?
• Do I have coverage when pulling a U-Haul trailer?
• Are split liability limits better than a combined single limit?

If you don’t know the answers to these questions, you may need to chat with 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.

Best car insurance company in Portland

Choosing the highest-rated insurance provider can be challenging considering how many different companies sell coverage in Oregon. The company information shown next may help you decide which auto insurance companies to look at buying from.