Amazingly, over 70% of consumers kept their policy with the same company for a minimum of four years, and nearly half have never even compared quotes to find cheap rates. Many drivers in New York could pocket roughly $840 a year by just comparing quotes, but they just assume it’s a time-consuming process to compare rates.
The most effective way to get low-cost Nissan Maxima insurance is to make a habit of comparing prices annually from insurers in Buffalo.
- Try to understand auto insurance and the factors you can control to keep rates low. Many rating factors that cause high rates like speeding tickets, careless driving and an imperfect credit rating can be remedied by making minor driving habit or lifestyle changes.
- Compare prices from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only provide price estimates from one company like GEICO or Farmers Insurance, while independent agencies can provide prices from multiple companies.
- Compare the new rate quotes to the premium of your current policy to see if you can save by switching companies. If you can save some money and buy the policy, make sure coverage does not lapse between policies.
A good tip to remember is that you use the same coverage limits and deductibles on each quote request and and to get rate quotes from as many auto insurance providers as possible. Doing this helps ensure a fair price comparison and plenty of rates choose from.
If you’re already insured or need a new policy, take advantage of these tips to lower your rates without having to cut coverage. Choosing the most cost-effective insurance policy in Buffalo is actually quite simple. Consumers only need an understanding of how to buy insurance from many different companies.
The auto insurance companies shown below are our best choices to provide price quotes in Buffalo, NY. If you want the best cheap auto insurance in Buffalo, NY, it’s a good idea that you visit several of them to get the best price comparison.
Rate information and statistics
The rate table shown below outlines estimates of insurance policy prices for Nissan Maxima models. Being more informed about how premiums are established can be valuable when making smart policy decisions.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Maxima 3.5 S||$210||$328||$264||$16||$80||$898||$75|
|Maxima 3.5 SV||$210||$378||$264||$16||$80||$948||$79|
|Get Your Own Custom Quote Go|
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and New York minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Rate quotes do not factor in specific location information which can influence rates noticeably.
Discounts mean cheaper rates for Nissan Maxima insurance in Buffalo
Auto insurance companies do not advertise all available discounts very well, so the following is a list of a few of the more well known and the more hidden discounts that you may qualify for.
- Air Bags and Passive Restraints – Cars that have air bags or automatic seat belts could see savings of more than 20%.
- Defensive Driver – Taking part in a driver safety course could earn you a small percentage discount and make you a better driver.
- Student Driver Training – Reduce the cost of insurance for teen drivers by having them enroll and complete driver’s education as it will make them better drivers and lower rates.
- Auto/Home Discount – If you have multiple policies with one company you could save as much as 10 to 15 percent.
- Senior Citizen Discount – If you’re over the age of 55, you can possibly qualify for a slight reduction on a Buffalo auto insurance quote.
- Discounts for Responsible Drivers – Insureds who avoid accidents can get discounts for up to 45% lower rates than less cautious drivers.
- Student Discounts – Excelling in school can be rewarded with saving of up to 25%. Earning this discount can benefit you well after school through age 25.
- Organization Discounts – Joining certain professional organizations is a simple method to lower premiums on your bill.
- Multiple Cars – Insuring multiple vehicles with the same insurance company can reduce rates for all insured vehicles.
- ABS Brakes – Cars and trucks with ABS and/or traction control are much safer to drive and will save you 10% or more on Maxima insurance in Buffalo.
As a sidenote, many deductions do not apply to the whole policy. A few only apply to specific coverage prices like physical damage coverage or medical payments. So even though they make it sound like you can get free auto insurance, you won’t be that lucky.
The illustration below shows the comparison of Nissan Maxima yearly insurance costs with and without discounts applied to the premium. The rate quotes are based on a male driver, no violations or claims, New York state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, claim-free, marriage, multi-car, safe-driver, and multi-policy discounts applied.
To see insurers who offer free Nissan Maxima insurance quotes in New York, click this link.
Auto insurance protects more than just your car
Despite the high insurance cost for a Nissan Maxima in Buffalo, paying for auto insurance is a good idea for several reasons.
- The majority of states have mandatory liability insurance requirements which means the state requires specific limits of liability if you want to drive legally. In New York these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If your Nissan Maxima has a lienholder, it’s guaranteed your bank will require that you have insurance to ensure the loan is repaid in case of a total loss. If you do not pay your insurance premiums, the lender will be forced to insure your Nissan at a more expensive rate and require you to fork over much more than you were paying before.
- Auto insurance protects not only your Nissan but also your financial assets. Insurance will pay for hospital and medical expenses for you, your passengers, and anyone else injured in an accident. Liability insurance, one of your policy coverages, will also pay for a defense attorney 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 insuring your Maxima more than cancel out the cost, specifically if you ever have a liability claim. According to a survey of 1,000 drivers, the average driver is currently overpaying as much as $825 a year so compare quotes from several companies every year to be sure current rates are still competitive.
Do I just need basic coverages?
When selecting the right insurance coverage for your personal vehicles, there really is not a “perfect” insurance plan. Every insured’s situation is different.
These are some specific questions might help in determining whether your personal situation could use an agent’s help.
- Does every company file a SR-22 automatically?
- Does my insurance cover damage caused when ticketed for reckless driving?
- How much underlying liability do I need for an umbrella policy?
- Does low annual mileage earn a discount?
- Can I get a multi-policy discount for packaging my home and auto coverage?
- Can I afford to pay high deductible claims out of pocket?
If you’re not sure about those questions but a few of them apply then you might want to talk to an agent. To find lower rates from a local agent, complete this form. It’s fast, free and can help protect your family.
When to have guidance from a local insurance agent
A lot of people still prefer to sit down with an agent and doing that can be a smart decision Good insurance agents can answer important questions and help you file claims. The biggest benefit of getting online price quotes is that you can obtain better rates but still work with a licensed agent.
Once you complete this quick form, your coverage information is emailed to companies in Buffalo who want to provide quotes for your business. You won’t need to leave your house as quotes are delivered to you directly. In the event you want to get a price quote from a specific insurance provider, don’t hesitate to navigate to their website and complete a quote there.
Finding the right insurer requires more thought than just the bottom line cost. Any agent in Buffalo should be forthright in answering these questions:
- Does the agent recommend any additional coverage?
- Which companies can they place coverage with?
- Is there a local claims center in Buffalo?
- Is the agency covered by Errors and Omissions coverage?
- Do they specialize in personal lines auto insurance in Buffalo?
- In the event of vehicle damage, can you pick the collision repair facility?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Is there any savings for paying the full premium?
If you are wanting to purchase insurance from a reliable insurance agent, there are two types of agencies and how they are slightly different. Insurance agencies may be either exclusive or independent (non-exclusive). Both types of agents can insure your vehicles, but it’s worth mentioning why they differ because it may have an impact on the type of agent you choose.
Exclusive Insurance Agents
Exclusive insurance agents are contracted to one company such as Allstate, Farmers Insurance or State Farm. They are unable to compare other company’s rates so always compare other rates. Exclusive agents are usually well trained on what they offer which helps overcome the inability to quote other rates.
Below are exclusive agencies in Buffalo willing to provide price quote information.
Independent Insurance Agents
These type of agents can sell policies from many different companies and that is an advantage because they can write policies with a variety of different insurance companies and potentially find a lower price. If your premiums go up, they can switch companies in-house and you can keep the same agent. When comparing rate quotes, we highly recommend that you get some free quotes from a few independent agents to get the best comparison.
Listed below is a list of independent agents in Buffalo who can help you get price quotes.
Niagara National Insurance
5001 Genesee St – Buffalo, NY 14225 – (716) 684-6000 – View Map