Cheap Insurance for a Nissan Maxima in Tulsa

Insurance for Nissan MaximaIt’s safe to assume that insurance companies don’t want you to look for cheaper rates. People who get comparison quotes once a year are very likely to buy a different policy because there is a good chance of finding a cheaper policy. A recent survey revealed that drivers who compared price quotes annually saved over $70 a month compared to those who didn’t regularly shop around.

If finding budget-friendly Nissan Maxima insurance is your ultimate goal, learning how to find companies and compare cheaper coverage can help simplify the task of finding more affordable coverage.

It takes a few minutes, but the best way to find discount Nissan Maxima insurance is to compare prices once a year from insurers who sell auto insurance in Tulsa. Drivers can shop around by completing these steps.

First, learn about coverages and the measures you can take to prevent high rates. Many rating factors that result in higher prices like accidents, careless driving, and an unacceptable credit score can be remedied by making lifestyle changes or driving safer.

Second, quote rates from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can give quotes from one company like Progressive and State Farm, while agents who are independent can give you price quotes from multiple sources.

Third, compare the new rate quotes to the price on your current policy to determine if switching companies saves money. If you find better rates and change companies, make sure there is no coverage gap between policies.

The critical component of shopping around is that you’ll want to make sure you compare identical coverages on each price quote and and to get prices from as many different insurance providers as possible. This ensures a level playing field and a thorough price selection.

Where can I get cheap Tulsa Nissan Maxima insurance?

All major car insurance companies provide coverage prices direct online. The process is quite easy because you just enter your coverage preferences into the form. When the form is submitted, their quoting system will order your driving record and credit report and returns pricing information based on the information you submitted. Quoting online for Nissan Maxima insurance in Tulsa helps simplify price comparisons, and it is important to have as many quotes as possible in order to get lower-cost prices.

To save time and compare rates now, visit the companies below or click here to submit a quote request to multiple companies at once. If you have coverage now, it’s recommended you enter coverages and limits as close as possible to your current policy. This way, you will have a rate comparison for similar coverage.

The companies shown below are our best choices to provide price comparisons in Tulsa, OK. If you want the cheapest auto insurance in Oklahoma, we recommend you visit as many as you can to get the best price comparison.

Car insurance just makes sense

Despite the potentially high cost of Nissan Maxima insurance, insurance is required in Oklahoma but also provides important benefits.

The benefits of carrying adequate insurance are definitely more than the cost, particularly when you have a large claim. Despite what companies tell you, the average driver is currently overpaying as much as $869 every year so we recommend shopping around every year to help ensure money is not being wasted.

Nissan Maxima insurance rates and statistics

The coverage information below outlines estimates of insurance prices for Nissan Maxima models. Learning a little about how insurance rates are calculated can help customers make smart choices when purchasing an insurance policy.

Nissan Maxima Insurance Rates in Tulsa, OK
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Maxima 3.5 S $232 $424 $470 $28 $140 $1,294 $108
Maxima 3.5 SV $232 $488 $470 $28 $140 $1,358 $113
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Data variables include married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Oklahoma minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Price information does not factor in specific location information which can influence coverage prices greatly.

Deductible analysis

A question often asked by Tulsa drivers is how high should the physical damage coverage deductibles be. The tables below can help show the price difference between high and low deductibles. The first set of rates uses a $250 physical damage coverage deductible and the second set of prices uses a $1,000 deductible.

Nissan Maxima insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Maxima 3.5 S $436 $688 $448 $26 $134 $1,757 $146
Maxima 3.5 SV $436 $792 $448 $26 $134 $1,861 $155
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Nissan Maxima insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Maxima 3.5 S $270 $432 $448 $26 $134 $1,310 $109
Maxima 3.5 SV $270 $498 $448 $26 $134 $1,376 $115
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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Oklahoma minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Price information does not factor in Tulsa location which can raise or lower prices considerably.

Based on these figures, using a $250 deductible will cost you roughly $39 more each month or $468 each year across all Nissan Maxima models than buying the higher $1,000 deductible. Due to the fact that you would have to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you have at least 19 months between claim filings, you would save money by going with a higher deductible. The table below illustrates a better example of how this determination is made.

Average monthly premium for $250 deductibles: $151
Average monthly premium for $1,000 deductibles (subtract): – $112
Monthly savings from raising deductible: $39
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $39
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 19 months

The example below highlights how deductible selection and can increase or decrease Nissan Maxima yearly insurance costs for different age categories. The data assumes a married female driver, full coverage, and no other discounts are factored in.

Irresponsible driving raises your rates

The chart below illustrates how violations and fender-benders can drive up Nissan Maxima auto insurance rates for different ages of insureds. The costs are based on a single male driver, full physical damage coverage, $1,000 deductibles, and no discounts are taken into consideration.

Lower-cost Tulsa car insurance rates with discounts

Companies that sell car insurance do not advertise all possible discounts in an easy-to-find place, so the following is a list of some of the more common and also the lesser-known discounts that may be available.Save money with discounts

Don’t be surprised that most of the big mark downs will not be given to your bottom line cost. Most only cut specific coverage prices like liability, collision or medical payments. Even though the math looks like all those discounts means the company will pay you, companies don’t profit that way.

The information below shows the difference between Nissan Maxima yearly insurance costs with and without policy discounts. The costs are based on a male driver, no claims, a clean driving record, Oklahoma state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, homeowner, multi-car, marriage, safe-driver, and claim-free discounts applied.

To view providers with discount car insurance rates in Oklahoma, click here to view.

Local Tulsa auto insurance agents and insurance

Many people still like to get advice from a local agent and that is just fine! Experienced insurance agents can help you choose the best coverages and help file insurance claims. One of the great benefits of comparing rate quotes online is that you can find better rates and still have a local agent. Buying insurance from small agencies is important particularly in Tulsa.

Insurance agency in TulsaTo find an agent, once you fill out this simple form, the coverage information is immediately sent to insurance agents in Tulsa who will return price quotes for your insurance coverage. You won’t even need to do any legwork since rate quotes are delivered to you directly. If you have a need to compare prices from a specific insurance provider, don’t hesitate to jump over to their website and complete a quote there.

If you are searching for a reliable insurance agency, you must know there are a couple types of insurance agents and how they are distinctly different. Insurance agencies in Tulsa can either be independent agents or exclusive agents. Either can sell and service insurance coverage, but it is a good idea to know the subtle differences since it can affect your selection of an agent.

Independent Insurance Agencies or Brokers

Independent agents are not required to write business for one company and that gives them the ability to insure with multiple insurance companies enabling the ability to shop coverage around. If you want to switch companies, an independent agent can move your coverage and you can keep the same agent. When comparing rate quotes, we recommend you get quotes from a few independent agents to have the best price comparison.

Shown below are Tulsa independent agents that can give you free insurance quotes.

1635 S Harvard AveTulsa, OK 74112(918) 749-9500View Map

4724 S Union AveTulsa, OK 74107(918) 446-4421View Map

4100 E 51st St #105Tulsa, OK 74135(918) 743-2886View Map

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Exclusive Insurance Agents

These type of agents can only quote rates from one company and some examples include Allstate, State Farm and Farmers Insurance. They are unable to provide other company’s prices so if the price isn’t competitive there isn’t much they can do. Exclusive insurance agents are well trained on their company’s products which aids in selling service over price.

Listed below are exclusive agencies in Tulsa willing to provide comparison quotes.

3309 S Yale AveTulsa, OK 74135(918) 627-3855View Map

7992 S Sheridan RdTulsa, OK 74133(918) 935-2000View Map

2828 E 91st StTulsa, OK 74137(918) 298-5444View Map

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Picking an car insurance agent should depend on more than just a low price. Any agent in Tulsa should be willing to answer these questions.

After you get satisfactory answers for all questions you ask as well as offering an affordable quote, you’ve probably found an auto insurance agent that can be relied on to insure your vehicles.

What insurance coverages do I need?

When it comes to buying insurance from an agent or online for your vehicles, there really is not a one-size-fits-all type of policy. Everyone’s needs are different and your policy should reflect that.Car insurance savings
For instance, these questions might point out whether you may require specific advice.

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies. It’s fast, free and can provide invaluable advice.

What is the best auto insurance company in Oklahoma?

Choosing the top insurance company can be a challenge considering how many different companies sell coverage in Tulsa. The information shown below can help you pick which car insurance providers to look at purchasing a policy from.

Top Auto Insurance Companies in Tulsa
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
21st Century 86 82 90 84% A 86.4
Liberty Mutual 79 87 95 78% A 85.3
Farmers Insurance 77 80 80 84% A 80.3
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Data Source: Best Car Insurance Companies

Compare car insurance prices regularly to save

Some insurance companies may not offer online quoting and usually these regional carriers prefer to sell through local independent agencies. Affordable Nissan Maxima insurance in Tulsa is possible online as well as from independent agents in Tulsa, and you should be comparing both to have the best rate selection.

We’ve covered a lot of techniques to lower your Nissan Maxima insurance rates in Tulsa. The key concept to understand is the more rate quotes you have, the higher your chance of finding affordable Tulsa auto insurance quotes. You may even discover the biggest savings come from a lesser-known regional company. Regional companies often have lower auto insurance rates on specific markets than the large multi-state companies such as Progressive and GEICO.

More detailed car insurance information can be read by following these links: