Want to learn a better way to compare more affordable insurance rates in Toledo, OH? Toledo buyers have many options when searching for the lowest priced Nissan Maxima insurance. They can either waste time calling around to compare prices or utilize the internet to get rate quotes.
There are more efficient ways to compare insurance rates so we’re going to tell you the proper way to price shop coverage for a Nissan and obtain the best price possible from both online companies and Toledo agents.
If you are insured now or are shopping for new coverage, you can use these tips to reduce the price you pay and possibly find even better coverage. These techniques will help you learn how car insurance works and how to save the most money. Smart buyers just have to use the quickest method to compare different rates online from multiple companies.
Lower-cost Nissan Maxima insurance in Toledo
Some insurers do not list every discount they offer in a way that’s easy to find, so the list below details a few of the more well known and the more hidden insurance savings. If you check and find you aren’t receiving every discount possible, you are paying more than you should be.
- Student Discount for Driver Training – Make teen driver coverage more affordable by requiring them to participate in a local driver’s education class if offered at their school.
- First Accident Forgiveness – Not really a discount, but some insurance companies will let one accident slide without the usual rate increase if your claims history is clear for a certain period of time.
- Seat Belt Usage – Using a seat belt and requiring all passengers to fasten their seat belts can save a little on medical payment and PIP coverage.
- Discount for New Cars – Buying insurance on a new vehicle may earn a small discount because newer vehicles have to meet stringent safety requirements.
- Claim Free – Toledo drivers who stay claim-free pay much less compared to insureds who have frequent claims or accidents.
- Good Students Pay Less – Being a good student may save as much as 25% on a Toledo auto insurance quote. Most companies allow this discount well after school through age 25.
- Employee of Federal Government – Being employed by or retired from a federal job can save as much as 8% with a few insurance companies.
Consumers should know that most of the big mark downs will not be given to all coverage premiums. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. Even though it appears all those discounts means the company will pay you, it just doesn’t work that way.
The illustration below visualizes the comparison of Nissan Maxima insurance rates with and without discounts applied to the policy rates. The premium estimates are based on a female driver, no accidents, no driving violations, Ohio state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, claim-free, multi-policy, safe-driver, and marriage discounts applied.
Some companies that possibly offer some of the discounts shown above may include but are not limited to:
When getting free Toledo auto insurance quotes, it’s a good idea to every insurance company to apply every possible discount. A few discounts might not apply in Toledo. If you would like to choose from a list of companies who offer discounts in Toledo, click here.
The majority of larger companies make it easy to get coverage prices directly from their websites. Getting online rates for Nissan Maxima insurance in Toledo doesn’t take a lot of time as you just enter your required coverages as detailed in the form. Behind the scenes, their system automatically retrieves credit information and your driving record and returns a price based on the data you entered.
Quoting online for Nissan Maxima insurance in Toledo simplifies rate comparisons, and it’s absolutely necessary to get many rate quotes if you want to get cheaper auto insurance pricing.
In order to fill out one form to compare multiple rates now, check out the auto insurance providers below. If you have a policy now, it’s recommended that you enter the coverage information exactly as shown on your declarations page. This way, you will be getting a price comparison for similar insurance coverage.
The following companies are our best choices to provide free quotes in Toledo, OH. In order to find cheaper car insurance in Toledo, OH, it’s a good idea that you visit several of them to find the cheapest auto insurance rates.
Statistics and details
The rate information shown next covers different insurance policy prices for Nissan Maxima models. Knowing how car insurance premiums are established can assist in making smart policy decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Maxima 3.5 S | $132 | $214 | $232 | $14 | $70 | $662 | $55 |
| Maxima 3.5 SV | $132 | $248 | $232 | $14 | $70 | $696 | $58 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Premium amounts do not factor in specific location information which can modify premium rates greatly.
Can higher deductibles save money?
One common question asked by Toledo drivers is how low should you set your deductibles. The comparisons below lay out the difference in cost when you choose different comp and collision deductibles. The first rate comparisons uses a $100 comprehensive and collision deductible and the second set of rates uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Maxima 3.5 S | $246 | $416 | $226 | $14 | $68 | $995 | $83 |
| Maxima 3.5 SV | $246 | $478 | $226 | $14 | $68 | $1,057 | $88 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Maxima 3.5 S | $136 | $220 | $226 | $14 | $68 | $664 | $55 |
| Maxima 3.5 SV | $136 | $252 | $226 | $14 | $68 | $696 | $58 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Rates do not factor in your specific Toledo location which can modify auto insurance rates substantially.
Using the premium rates above, we can conclude that using a $100 deductible will cost in the ballpark of $29 more each month or $348 annually across all Nissan Maxima models than requesting the higher $1,000 deductible. Because you would be required to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you normally average more than 31 months between claim filings, you would save more money if you elect the higher deductible.
Safe drivers Toledo pay cheaper rates
The example below illustrates how speeding tickets and at-fault collisions raise Nissan Maxima premium costs for different age categories. The premiums assume a single male driver, comp and collision included, $100 deductibles, and no other discounts are factored in.
Smart Consumers Save Every Year
Part of the insurance buying process is learning a few of the rating criteria that help calculate your insurance rates. When you know what positively or negatively influences your rates, this allows you to make good choices that may result in big savings.
- Low coverage deductibles can be expensive – Deductibles for physical damage are how much you are willing to pay out-of-pocket before a claim is paid by your company. Protection for physical damage, also called ‘full coverage’, protects your car from damage. Examples of covered claims could be colliding with a stationary object, hail damage, and damage caused by road hazards. The more you have to pay, the less money you will pay for insurance.
- Is your vehicle theft-ready? – Owning a car with anti-theft technology or alarm system can earn a premium discount. Theft prevention devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder vehicle theft.
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How your age affects costs – Drivers with little experience are statistically shown to be inattentive in a vehicle so they pay higher insurance rates. Parents adding a young driver to your insurance policy will cause a huge premium hike. Mature drivers are viewed as being more responsible, cost insurance companies less in claims, and tend to be get fewer driving tickets.
The following data uses these assumptions: single driver, full coverage with $100 deductibles, and no discounts or violations.
- Stay claim-free and lower rates – Auto insurance companies in Ohio award cheaper rates to people who are not frequent claim filers. If you’re an insured who likes to file claims you can pretty much guarantee either higher rates or even cancellation. Insurance coverage is meant to be used in the event of major claims that would cause financial hardship.
- Save by driving cars with good safety ratings – Vehicles that have high safety ratings can get you lower premiums. Vehicles built for safety reduce the chance of injuries and fewer serious injuries translates into savings for insurance companies and lower rates for you. If your Nissan scored at minimum four stars on Safercar.gov it is probably cheaper to insure.
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Performance affects insurance costs – The performance level of the car you are insuring makes a huge difference in the rate you pay. The lowest performance passenger models generally receive the lowest base rates, but other factors influence the final cost greatly.
The next chart uses these assumptions: single female driver age 40, full coverage with $500 deductibles, and no discounts or violations. The chart compares Nissan Maxima insurance rates compared to other vehicles that have different performances.
- Why do you need liability coverage? – The liability coverage on your policy will afford coverage when you are determined to be liable for damages from an accident. Liability insurance provides you with a defense in court which can be incredibly expensive. Liability insurance is quite affordable as compared to coverage for physical damage, so buy as much as you can afford.
- Get cheaper prices after the wedding – Having a wife or husband may save some money compared to being single. Marriage means you’re more mature and responsible and statistics prove married drivers get in fewer accidents.
Insurance is unique, just like you
When quoting and choosing insurance from an agent or online for your vehicles, there really isn’t a “best” method to buy coverage. Each situation is unique.
These are some specific questions could help you determine if you will benefit from professional help.
- What companies insure drivers after a DUI or DWI?
- Am I covered if I wreck a rental car?
- Do I pay less for low miles?
- What does PIP insurance cover?
- What are the best liability limits?
- Does my personal policy cover me when driving out-of-state?
- Is a driver training discount available?
- Should I bundle my homeowners policy with my auto?
- Where can I get insurance after a DUI in Ohio?
If you’re not sure about those questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form. It only takes a few minutes and you can get the answers you need.
Compare prices but buy from a neighborhood Toledo auto insurance agent
Many drivers still like to buy from a local agent and that is a smart decision Professional insurance agents can help determine the best coverages and will help you if you have claims. A good thing about getting online price quotes is that drivers can save money and get lower rates and still buy from a local agent. Supporting local insurance agencies is especially important in Toledo.
To make it easy to find an agent, after completing this simple form, the quote information is submitted to participating agents in Toledo who want to provide quotes for your business. You don’t have to visit any agencies as quotes are delivered immediately to your email address. If you need to get a comparison quote from a specific insurance company, you can always search and find their rate quote page and fill out the quote form the provide.
Multiple types of car insurance agents in Toledo
When finding a reputable insurance agent or broker, it can be helpful to understand the different types of agents and how they can quote your rates. Agents in Toledo are either independent or exclusive. Either one can provide auto insurance policies, but it’s worth mentioning the difference in the companies they write for since it can affect the type of agent you choose.
Independent Auto Insurance Agents
Agents of this type are appointed with more than one company so they can quote policies with many different companies and help determine which has the cheapest rates. If you want to switch companies, an independent agent can move your coverage and you don’t have to find a new agent. If you are comparing rate quotes, you need to include rate quotes from independent agents so that you have a good selection of quotes to compare. Most also write with small mutual carriers that many times have cheaper rates.
Below is a list of independent agents in Toledo that can give you comparison quotes.
- American Casualty Insurance
6060 Renaissance Pl i – Toledo, OH 43623 – (419) 885-3571 – View Map - Great Lakes Insurance Partners
5215 Monroe St # 2 – Toledo, OH 43623 – (419) 841-2000 – View Map - Stoner Johnson Insurance Agency
2330 Airport Hwy – Toledo, OH 43609 – (419) 385-3101 – View Map
Exclusive Agents
These agents work for only one company and examples are State Farm, Allstate, and Farm Bureau. Exclusive agents are unable to compare other company’s rates so keep that in mind. Exclusive agencies are very knowledgeable on sales techniques which helps them compete with independent agents. A lot of people choose to use an exclusive agent partially due to the brand name instead of buying on price only.
Listed below are Toledo exclusive insurance agencies that can give you rate quotes.
- State Farm: Romie Brown
1843 W Alexis Rd #1 – Toledo, OH 43613 – (419) 480-1212 – View Map - Eric Price – State Farm Insurance Agent
2600 N Reynolds Rd #104b – Toledo, OH 43615 – (419) 536-6030 – View Map - Vince Davis State Farm Insurance
3344 Secor Rd – Toledo, OH 43606 – (419) 244-2904 – View Map
Choosing an insurance agency should depend on more than just the price. Before buying a policy in Toledo, get answers to these questions.
- Did they already check your driving record and credit reports?
- Will your rates increase after a single accident?
- Is auto insurance their primary focus in Toledo?
- How would your car be valued if totaled?
- Do you qualify for any additional discounts?
- Will they take your side in the event of a claim?
Upon getting reasonable responses and locked in a price quote, you may have found an insurance agency that can be relied on to properly insure your vehicles.
Three good reasons to insure your Nissan Maxima
Despite the potentially high cost of Nissan Maxima insurance, insuring your vehicle is required for several reasons.
- Most states have mandatory liability insurance requirements which means the state requires specific minimum amounts of liability coverage if you want to drive legally. In Ohio these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you have a lien on your vehicle, it’s guaranteed your bank will have a requirement that you have full coverage to ensure they get paid if you total the vehicle. If coverage lapses or is canceled, the bank or lender will purchase a policy for your Nissan at an extremely high rate and force you to pay much more than you were paying before.
- Insurance protects both your Nissan Maxima and your assets. It also can pay for medical bills for you, your passengers, and anyone else injured in an accident. Liability coverage, the one required by state law, will also pay for a defense attorney if someone files suit against you as the result of an accident. If you have damage to your Nissan as the result of the weather or an accident, collision and comprehensive coverages will pay all costs to repair after the deductible has been paid.
The benefits of insuring your car greatly outweigh the cost, especially if you ever need it. But the average American driver is overpaying more than $800 each year so compare rate quotes every year to make sure the price is not too high.
Get the best coverage at the best price
You just learned a lot of techniques to find cheap Nissan Maxima insurance in Toledo. The most important thing to understand is the more rate comparisons you have, the better your comparison will be. You may even be surprised to find that the lowest premium rates come from some of the smallest insurance companies.
Insureds change insurance companies for a number of reasons such as poor customer service, policy cancellation, lack of trust in their agent and even delays in paying claims. Regardless of your reason for switching companies, finding the right auto insurance provider can be easier than you think.
As you go through the steps to switch your coverage, you should never sacrifice coverage to reduce premiums. There have been many situations where an accident victim reduced collision coverage only to find out that the small savings ended up costing them much more. Your aim should be to get the best coverage possible for the lowest price, but don’t skip important coverages to save money.
Steps to quoting cheaper Nissan Maxima insurance in Toledo
If you want to save the most money, the best way to get discount Nissan Maxima insurance is to regularly compare quotes from insurers who sell auto insurance in Toledo.
- First, try to learn about what is in your policy and the modifications you can make to keep rates low. Many rating factors that drive up the price such as traffic citations, accidents, and a substandard credit score can be improved by making minor changes to your lifestyle.
- Second, get rate quotes from direct, independent, and exclusive agents. Exclusive and direct companies can give quotes from a single company like Progressive or Farmers Insurance, while independent agencies can provide prices from many different companies.
- Third, compare the new rate quotes to your existing policy and determine if there is any savings. If you find a lower rate and switch companies, ensure coverage does not lapse between policies.
- Fourth, provide adequate notice to your current company of your intention to cancel your current coverage. Submit a down payment and signed policy application for your new coverage. As soon as coverage is bound, put the new proof of insurance paperwork with the vehicle registration.
An important part of this process is to compare the same physical damage deductibles and liability limits on each quote and and to analyze every insurance company. This guarantees a fair rate comparison and the best price quote selection.
More tips and info about auto insurance can be found in these articles:
- Comprehensive Coverage (Liberty Mutual)
- Who Has Affordable Toledo Car Insurance Rates for Active Military? (FAQ)
- Who Has Affordable Toledo Auto Insurance Rates for Drivers with Bad Credit? (FAQ)
- Who Has Cheap Car Insurance Quotes for Drivers Over Age 50 in Toledo? (FAQ)
- How Much are Toledo Auto Insurance Quotes for a Nissan Altima? (FAQ)
- How Much is Toledo Car Insurance for a Ford F-150? (FAQ)
- Who Has the Cheapest Car Insurance for a Jeep Grand Cherokee in Toledo? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for a Ford Focus in Toledo? (FAQ)
- Who Has Cheap Toledo Car Insurance Quotes for a Ford Escape? (FAQ)
- Insuring a Leased Car (Insurance Information Institute)
- Older Driver Statistics (Insurance Information Institute)