If your goal is the lowest price, then the best way to get more affordable car insurance rates is to annually compare prices from insurance carriers who can sell car insurance in Aurora.
- Take a few minutes and learn about individual coverages and the things you can control to prevent expensive coverage. Many policy risk factors that result in higher prices such as traffic citations, accidents, and poor credit history can be remedied by improving your driving habits or financial responsibility. Continue reading for the details to get cheaper coverage and find available discounts that you may qualify for.
- Request rate estimates from direct, independent, and exclusive agents. Exclusive and direct companies can only give rate quotes from one company like Progressive and State Farm, while independent agencies can quote prices for many different companies.
- Compare the new rate quotes to the premium of your current policy to determine if you can save on Maxima insurance in Aurora. If you find better rates and switch companies, make sure coverage is continuous and does not lapse.
- Provide adequate notice to your current company of your intention to cancel the current policy and submit payment along with a signed and completed policy application to the new company. Once the application is submitted, place the new proof of insurance paperwork with your registration paperwork.
One key aspect when comparing rates is that you use the same deductibles and limits on each price quote and and to get prices from as many companies as you can. This ensures an apples-to-apples comparison and a thorough selection of prices.
It’s shocking but nearly 70% of drivers renewed their policy with the same company for at least four years, and approximately 40% of consumers have never compared insurance rates at all. The average driver in Colorado can cut their rates by $600 a year just by comparing rates, but they don’t believe the amount of savings they would get if they switched to a cheaper policy.
Finding and comparing affordable protection in Aurora is not as time-consuming as you think. Just about every driver who quotes insurance stands a good chance to find a lower price. Although Colorado drivers must comprehend how the larger insurance companies determine premium rates and apply this information to your search.
Most major insurance companies like 21st Century, Allstate and State Farm provide prices from their websites. Getting online quotes for Nissan Maxima insurance in Aurora is very simple because you just enter the coverages you want into the form. When complete, the quote system pulls your driving and credit reports and provides a quote.
Getting online rate quotes for Nissan Maxima insurance in Aurora helps simplify price comparisons, and it is imperative to do this if you want to find a better rate.
To quickly get comparison pricing now, compare rate quotes from the providers shown below. If you currently have coverage, we recommend you input your coverages identical to your current policy. This ensures you will receive rate comparison quotes for similar insurance coverage.
The companies in the list below are ready to provide price quotes in Aurora, CO. If you want cheaper car insurance in CO, we recommend you visit two to three different companies to find the most competitive car insurance rates.
Auto insurance protects more than just your car
Even though Aurora Maxima insurance rates can get expensive, buying auto insurance is required in Colorado but it also protects you in many ways.
- Just about all states have minimum liability requirements which means you are required to buy a minimum amount of liability protection if you don’t want to risk a ticket. 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 you have a loan on your Nissan, it’s guaranteed your bank will require that you have physical damage coverage to guarantee their interest in the vehicle. If you default on your policy, the bank may buy a policy for your Nissan at a much higher rate and require you to pay the higher premium.
- Auto insurance preserves not only your Nissan but also your assets. It will also provide coverage for hospital and medical expenses for not only you but also any passengers injured in an accident. Liability insurance, one of your policy coverages, will also pay attorney fees if you are named as a defendant in an auto accident. If your Nissan gets damaged, collision and comprehensive coverages will pay all costs to repair after the deductible has been paid.
The benefits of insuring your Maxima greatly outweigh the cost, especially when you need to use it. The average driver in America overpays more than $750 every year so shop around every year to make sure the price is not too high.
Car insurance data for a Nissan Maxima
The premium table shown below highlights a range of coverage costs for Nissan Maxima models. Having a better idea how auto insurance policy rates are formulated can be useful when making informed decisions when comparing rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Maxima 3.5 S | $332 | $528 | $358 | $22 | $108 | $1,348 | $112 |
| Maxima 3.5 SV | $332 | $608 | $358 | $22 | $108 | $1,428 | $119 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Price estimates do not factor in zip code location which can impact insurance rates noticeably.
Raise deductibles and save
When comparing car insurance rates, the most common question is the level to set your comp and collision deductibles. The data tables below may help you to understand the rate differences of buying low and high coverage deductibles. The first data table uses a $100 comprehensive and collision deductible and the second set of rates uses a $500 deductible.
| 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 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Maxima 3.5 S | $278 | $434 | $352 | $20 | $106 | $1,190 | $99 |
| Maxima 3.5 SV | $278 | $500 | $352 | $20 | $106 | $1,256 | $105 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Estimates do not factor in specific location which can lower or raise auto insurance rates considerably.
Based on the data above, we can derive that using a $100 deductible costs roughly $29 more each month or $348 annually averaged for all Maxima models than quoting the higher $500 deductible. Since you would have to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you normally go at least 14 months between claims, you would probably save some money if you choose the higher deductible. The illustration below shows the way this determination is made.
| Average monthly premium for $100 deductibles: | $131 |
| Average monthly premium for $500 deductibles (subtract): | – $102 |
| Monthly savings from raising deductible: | $29 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $29 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 14 months |
The illustration below illustrates how your deductible choice and can influence Nissan Maxima insurance costs for different age groups. The prices are based on a married male driver, comp and collision included, and no discounts are factored in.
Discounts for affordable auto insurance quotes
Auto insurance can be pricey, but you may find discounts that many people don’t even know exist. Some trigger automatically when you quote, but lesser-known reductions have to be manually applied in order for you to get them. If you are not receiving all the discounts possible, you’re paying more than you need to.
- College Student Discount – Any of your kids living away from Aurora attending college and do not take a car to college could get you a discount.
- Government Employee Discount – Active or retired federal employment can save as much as 8% with a few auto insurance companies.
- Military Deployment Discount – Being deployed in the military could mean lower auto insurance rates.
- Accident Waiver – Not really a discount, but some insurance companies permit an accident before your rates go up with the catch being you have to be claim-free for a set time period.
- Onboard Data Collection – People who choose to allow their auto insurance company to study their driving habits by installing a telematics device such as Progressive’s Snapshot could see a rate decrease if they have good driving habits.
- Anti-lock Brake Discount – Vehicles that have anti-lock braking systems have fewer accidents and therefore earn up to a 10% discount.
Discounts save money, but please remember that most of the big mark downs will not be given to the entire policy premium. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. Even though it appears you can get free auto insurance, it doesn’t quite work that way.
The illustration below illustrates the difference between Nissan Maxima insurance premiums with and without discounts applied. The data assumes a female driver, no violations or accidents, Colorado state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, homeowner, multi-policy, safe-driver, multi-car, and claim-free discounts applied.
Large auto insurance companies and a summarized list of policyholder discounts are:
- State Farm has discounts for defensive driving training, passive restraint, multiple autos, Drive Safe & Save, and multiple policy.
- American Family may include discounts for air bags, accident-free, bundled insurance, multi-vehicle, good student, and defensive driver.
- GEICO offers premium reductions for military active duty, multi-vehicle, federal employee, five-year accident-free, membership and employees, daytime running lights, and defensive driver.
- 21st Century offers discounts for driver training, air bags, anti-lock brakes, 55 and older, and homeowners.
- Progressive has savings for multi-policy, online quote discount, online signing, good student, and continuous coverage.
When comparing rates, check with every prospective company what discounts are available to you. Some of the discounts discussed earlier may not apply in your state. If you would like to choose from a list of companies that have a full spectrum of discounts in Colorado, click here to view.
Can’t I compare prices from local Aurora car insurance agents?
A lot of people would rather talk to an insurance agent and that is a smart decision A good thing about getting online price quotes is you may find lower auto insurance rates and still have an agent to talk to. And supporting neighborhood agents is important particularly in Aurora.
Once you complete this simple form, the coverage information is submitted to agents in your area that give free quotes and help you find cheaper coverage. It makes it easy because there is no need to find an agent because quoted prices will be sent directly to you. Get lower rates and a licensed agent to talk to. In the event you want to compare prices from a specific car insurance provider, just go to their quote page to submit a rate quote request.
Pick the best auto insurance agent in Aurora for you
When narrowing the list to find local Aurora agents, it’s important to understand the types of agencies and how they differ in how they can insure your vehicles. Car insurance agents are either independent agents or exclusive agents depending on their employer.
Independent Car Insurance Agencies or Brokers
Independent agents are not locked into one company and that allows them to write policies with multiple insurance companies and get you the best rates possible. If they quote lower rates, they simply switch companies in-house which is easy for the insured. When comparing rates, it’s recommended you compare quotes from at least one independent agent to get the best comparison. They also have the ability to place coverage with small mutual carriers which may provide better rates.
Below is a small list of independent agencies in Aurora that may be able to give free price quotes.
- Dickson Insurance Agency
4093 S Olathe Ct – Aurora, CO 80013 – (303) 693-1936 – View Map - Colorado Insurance Professionals, Inc.
13693 E Iliff Ave – Aurora, CO 80014 – (303) 755-8600 – View Map - L.A. Insurance Agency
9601 E Colfax Ave – Aurora, CO 80010 – (303) 577-2400 – View Map
Exclusive Agencies
Exclusive insurance agents normally can only provide a single company’s rates like Farmers Insurance and State Farm. These agents are not able to compare rates from other companies so it’s a take it or leave it situation. Exclusive agents are very knowledgeable on their company’s products and that can be a competitive advantage. Some insured continue to use the same agent mostly because of the brand and the convenience of having a single billing for all their coverages.
Shown below are exclusive insurance agencies in Aurora willing to provide price quote information.
- Allstate Insurance: Norma Contreras
4272 S Chambers Rd – Aurora, CO 80014 – (303) 699-3327 – View Map - Denise Smith – State Farm Insurance
1278 S Chambers Rd – Aurora, CO 80017 – (303) 343-3515 – View Map - Lawrence Neal – State Farm Insurance Agent
15037 E Colfax Ave k – Aurora, CO 80011 – (303) 340-8849 – View Map
Selecting an auto insurance agent should include more criteria than just a cheap quote. Any agent in Aurora should be willing to answer these questions.
- Will the company cover a rental car if your car is getting fixed?
- Will they give you a referral list?
- What company holds the largest book of business for them?
- Do they reduce claim amounts on high mileage vehicles?
- Do the agents have professional certifications like CPCU or CIC?
- How many years of experience in personal auto insurance do they have?
- Is the agency active in community causes in Aurora?
If you get good responses to any questions you may have and an affordable coverage quote, chances are good that you have found an insurance agency that meets your needs to properly service your car insurance policy. But keep in mind you can cancel your coverage at any point so don’t think you’re contractually obligated to the car insurance policy indefinitely.
When should I discuss my situation with an agent?
When it comes to buying adequate coverage, there isn’t really a “best” method to buy coverage. Everyone’s needs are different.
These are some specific questions might help in determining if your situation would benefit from an agent’s advice.
- Am I covered if my car is in a flood?
- Should I rate my Nissan Maxima as pleasure use or commute?
- What is roadside assistance coverage?
- Is my custom stereo system covered?
- What is PIP insurance?
- Does my policy cover me if I wreck while driving under the influence?
- Which is better, split liability limits or combined limits?
- How do I file an SR-22 for a DUI in Colorado?
- If my pet gets injured in an accident are they covered?
If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed agent. To find an agent in your area, simply complete this short form.
Compare insurance prices regularly to save
There are still a few companies who don’t offer the ability to get quotes online and most of the time these regional insurance providers sell through independent agents. Discount Nissan Maxima insurance is attainable both online as well as from independent agents in Aurora, so you should be comparing quotes from both to have the best chance of lowering rates.
When searching for affordable Aurora car insurance quotes, it’s very important that you do not buy less coverage just to save a little money. In too many instances, consumers will sacrifice liability limits or collision coverage only to discover later that their decision to reduce coverage ended up costing them more. The goal is to purchase a proper amount of coverage at the best possible price while not skimping on critical coverages.
You just read some good ideas how to find cheap Nissan Maxima insurance in Aurora. The key concept to understand is the more providers you compare, the higher the chance of saving money. Drivers may even discover the lowest priced insurance comes from a lesser-known regional company.
More tips and info about insurance can be read by following these links:
- How Much Auto Coverage do I Need? (Insurance Information Institute)
- How Much are Car Insurance Rates for Good Students in Aurora? (FAQ)
- Who Has Cheap Car Insurance for Active Military in Aurora? (FAQ)
- Who Has Affordable Car Insurance Quotes for a 20 Year Old Female in Aurora? (FAQ)
- Who Has the Cheapest Car Insurance for a Chevrolet Equinox in Aurora? (FAQ)
- New Honda safety features benefit drivers of all ages (Insurance Institute for Highway Safety)
- A Tree Fell on Your Car: Now What? (Allstate)