Find Affordable Nissan Maxima Insurance in Kansas City

Insurance for Nissan MaximaReally, the only way to quote cheaper Nissan Maxima insurance in Kansas City is to start doing an annual price comparison from companies who sell auto insurance in Missouri.

  1. Gain an understanding of car insurance and the things you can control to lower rates. Many risk factors that result in higher rates such as getting speeding tickets and a low credit rating can be remedied by paying attention to minor details. Keep reading for additional ideas to help keep prices low and find additional discounts you may qualify for.
  2. Request rate estimates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only provide price estimates from a single company like Progressive or Allstate, while independent agencies can provide rate quotes from many different companies.
  3. Compare the new rate quotes to your existing rates and see if there is a cheaper rate. If you can save some money and make a switch, make sure there is no lapse between the expiration of your current policy and the new one.
  4. Provide written notification to your current company to cancel your current coverage. Submit payment along with a signed and completed policy application to the newly selected company. Immediately store the proof of insurance certificate in your vehicle’s glove compartment or console.

The key thing to remember is to make sure you’re comparing the same amount of coverage on every price quote and and to get prices from every company you can. Doing this enables a level playing field and a thorough selection of prices.

Unfortunately, a large majority of drivers renewed their policy with the same company for at least four years, and nearly half have never compared quotes from other companies. Consumers in Missouri could save an average of 25% each year just by getting comparison quotes, but most undervalue the big savings they would realize if they bought a different policy.

Finding the lowest cost policy in Kansas City is not as difficult as people think. If you are insured now or just want to save money, you will benefit by learning to lower your rates and still have adequate protection. Smart shoppers just have to understand the most time-saving way to compare price quotes from many different companies online.

Companies offering affordable Nissan Maxima prices in Kansas City, MO

The companies shown below can provide price comparisons in Kansas City, MO. To locate the cheapest auto insurance in Kansas City, MO, we recommend you visit two to three different companies to get the best price comparison.

Nissan Maxima insurance statistics and information

The information below covers detailed analysis of insurance coverage prices for Nissan Maxima models. Understanding how car insurance premiums are calculated is important for you to make decisions when choosing a new policy provider.

Nissan Maxima Insurance Rates in Kansas City, MO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Maxima 3.5 S $182 $258 $348 $20 $104 $912 $76
Maxima 3.5 SV $182 $296 $348 $20 $104 $950 $79
Get Your Own Custom Quote Go

Data rating is based on single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Missouri minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Information does not factor in specific garaging location which can affect auto insurance rates significantly.

How high should deductibles be?

One frequently asked question is the level to set your comp and collision deductibles. The following insurance rates may help to conceptualize the costs and benefits between low and high coverage deductibles. The first rate comparisons uses a $250 physical damage coverage deductible and the second price table uses a $1,000 deductible.

Nissan Maxima insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Maxima 3.5 S $258 $408 $266 $16 $80 $1,053 $88
Maxima 3.5 SV $258 $470 $266 $16 $80 $1,115 $93
Get Your Own Custom Quote Go

Nissan Maxima insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Maxima 3.5 S $160 $258 $266 $16 $80 $780 $65
Maxima 3.5 SV $160 $296 $266 $16 $80 $818 $68
Get Your Own Custom Quote Go

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Missouri minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Premium amounts do not factor in vehicle location which can modify premiums substantially.

Based on these figures, using a $250 deductible costs roughly $24 more each month or $288 annually than buying the higher $1,000 deductible. Since you would have to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you go at least 31 months between claims, you would more than likely save some money by going with a higher deductible. The illustration below shows a better example of how this decision is made.

Average monthly premium for $250 deductibles: $91
Average monthly premium for $1,000 deductibles (subtract): – $67
Monthly savings from raising deductible: $24
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $24
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 31 months

One thing to note is that increasing deductibles to lower your rates means you pay more out-of-pocket when you have a comprehensive or collision claim. It will be required that you have enough disposable savings in order to pay more to get your vehicle repaired.

The information below shows how choosing a deductible and can affect Nissan Maxima insurance costs for different categories of driver ages. The rates are based on a single female driver, comp and collision included, and no discounts are factored in.

Insurance rates and discounts

Properly insuring your vehicles can get expensive, but you might be missing out on some discounts that you may not know about. A few discounts will automatically apply when you quote, but a few must be asked for in order for you to get them.

While discounts sound great, it’s important to understand that most of the big mark downs will not be given to the whole policy. Most only cut the cost of specific coverages such as medical payments or collision. So even though it sounds like adding up those discounts means a free policy, company stockholders wouldn’t be very happy.

The example below visualizes the comparison of Nissan Maxima insurance costs with and without policy discounts. The data is based on a male driver, a clean driving record, no claims, Missouri 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 claim-free, multi-car, homeowner, multi-policy, marriage, and safe-driver discounts applied.

Some of the larger companies who might offer most of the discounts above are:

Before buying, ask every insurance company the best way to save money. Savings may not apply to policies in your state. To see insurance companies that offer some of these discounts in Missouri, follow this link.

Neighborhood agents and auto insurance

Many people still like to buy from a local agent and that is recommended in a lot of cases Insurance agents are trained to spot inefficiencies and help file insurance claims. A good thing about comparing auto insurance online is that you can find cheaper prices but also keep your business local. And buying from local insurance agencies is important particularly in Kansas City.

By using this form (opens in new window), your insurance coverage information is emailed to companies in Kansas City who will give competitive quotes and help you find cheaper coverage. It makes it easy because there is no need to contact any insurance agencies since rate quotes are delivered directly to you. If you need to get a rate quote from one company in particular, you can always find their quoting web page to submit a rate quote request.

When researching a local Kansas City insurance agent, it’s important to understand the different agency structures and how they work. Auto insurance policy providers are considered either exclusive or independent. Either can insure your vehicles properly, but it’s worth mentioning the difference between them since it may influence your selection of an agent.

Independent Agencies or Brokers

These type of agents do not have single company limitations and that allows them to write policies through many different auto insurance companies and get you the best rates possible. If they find a lower price, they can switch companies in-house and you don’t have to switch agencies. If you are comparing auto insurance prices, you definitely need to compare prices from at a minimum one independent agency in order to have the best price comparison.

Below are Kansas City independent insurance agents who may provide free auto insurance quotes.

1130 Westport RdKansas City, MO 64111(816) 531-1000View Map

315 E 18th AveKansas City, MO 64116(816) 454-8833View Map

3900 Broadway aKansas City, MO 64111(816) 287-0873View Map

More insurance agents

Exclusive Insurance Agencies

These agents can only quote rates from one company like Farmers Insurance, State Farm, Allstate, and AAA. Exclusive agencies are unable to give you multiple price quotes so you might not find the best rates. They are very knowledgeable on their company’s products which can be an advantage.

Shown below are exclusive agencies in Kansas City who can help you get comparison quotes.

8600 Ward Pkwy #2070Kansas City, MO 64114(816) 363-3187View Map

10201 N Oak Trafficway #400Kansas City, MO 64155(816) 420-0200View Map

8640 Green Hills Road #40Kansas City, MO 64154(816) 436-8400View Map

More insurance agents

Finding the right insurance agent shouldn’t rely on just a cheap quote. Here are some questions to ask:

Best car insurance company in Kansas City

Insuring your vehicle with the highest-rated insurer is difficult considering how many companies there are in Kansas City. The rank data in the next section can help you decide which car insurance companies to look at comparing rate quotes with.

Best Car Insurance Companies in Kansas City
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 99 100 90 92% A++ 97.4
21st Century 89 86 100 88% A 92.7
GEICO 97 91 88 85% A++ 92.5
Nationwide 88 94 91 88% A+ 91.3
AAA Insurance 93 87 88 87% A 90.8
Liberty Mutual 91 91 92 87% A 90.7
Safeco Insurance 90 93 88 86% A 90.2
State Farm 91 94 80 88% A++ 90.2
Travelers 89 91 94 79% A++ 90.1
American Family 88 92 83 88% A 89.4
Titan Insurance 89 91 83 86% A+ 89.3
Allstate 90 90 84 85% A+ 89.1
Progressive 83 85 99 87% A+ 88.7
Mercury Insurance 87 95 87 84% A+ 88.3
The Hartford 87 89 84 87% A+ 88
Esurance 84 88 85 83% A+ 86
Farmers Insurance 79 88 84 87% A 84.7
The General 88 80 85 80% A- 84.5
Compare Rates Now Go

Data Source: Best Car Insurance Companies

One last note

While you’re price shopping online, don’t be tempted to sacrifice coverage to reduce premiums. There have been many situations where an accident victim reduced liability limits or collision coverage and discovered at claim time that it was a big error on their part. Your aim should be to buy enough coverage at a price you can afford.

We just showed you quite a bit of information on how to get a better price on Nissan Maxima insurance in Kansas City. It’s most important to understand that the more price quotes you have, the higher the chance of saving money. You may even discover the lowest prices come from a lesser-known regional company. These companies often have lower rates on specific markets than their larger competitors like Allstate and Progressive.

For more information, feel free to browse the following helpful articles: