The preferred way to find affordable quotes for car insurance rates is to start comparing rates regularly from companies that insure vehicles in Minneapolis. You can compare rates by following these steps.
- Step 1: Learn about what is in your policy and the measures you can take to prevent expensive coverage. Many factors that result in higher prices such as at-fault accidents, careless driving, and an imperfect credit history can be remedied by making minor driving habit or lifestyle changes. Later in this article we will cover information to help find cheaper rates and get discounts that may be overlooked.
- Step 2: Quote rates from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can give quotes from one company like GEICO and Allstate, while independent agencies can quote prices for many different companies. Find a Minneapolis insurance agent
- Step 3: Compare the new rate quotes to the premium of your current policy and see if there is a cheaper rate. If you can save money and switch companies, ensure there is no coverage lapse between policies.
- Step 4: Notify your agent or company of your intention to cancel your current policy. Submit a completed application and payment to your new agent or company. Don’t forget to put the new certificate verifying coverage in your vehicle’s glove compartment or console.
The most important part of shopping around is to use the same deductibles and limits on each quote request and and to get price quotes from as many carriers as you can. This provides a fair price comparison and the best rate selection.
Unfortunately, a large majority of car insurance policyholders in Minnesota kept buying from the same company for more than four years, and practically 40% of car insurance customers have never compared rate quotes at all. Many drivers in America could save about 46.5% a year by just comparing quotes, but most tend to underestimate the benefits if they just switched companies.
The quickest way to compare policy rates for Nissan Maxima insurance in Minneapolis utilizes the fact most of the bigger providers pay for the opportunity to quote your coverage. The one thing you need to do is provide information like the make and model of your vehicles, coverage limits, the ages of drivers, and any included safety features. Your insurance information is automatically sent to multiple companies and you should receive rate quotes very quickly.
To find the cheapest Nissan Maxima insurance rates, click here and complete the form.
The providers in the list below have been selected to offer price quotes in Minnesota. If you wish to find the cheapest car insurance in MN, we suggest you visit two to three different companies to get a more complete price comparison.
Rates and other information
The coverage table shown next highlights a range of insurance coverage prices for Nissan Maxima models. Having a better understanding of how insurance policy premiums are established is important to be able to make informed decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Maxima 3.5 S | $164 | $300 | $358 | $22 | $108 | $952 | $79 |
| Maxima 3.5 SV | $164 | $346 | $358 | $22 | $108 | $998 | $83 |
| Get Your Own Custom Quote Go | |||||||
Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Minnesota minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Premium costs do not factor in Minneapolis location which can modify auto insurance rates substantially.
Tailor your insurance coverage to you
When quoting and choosing proper insurance coverage, there isn’t really a best way to insure your cars. Coverage needs to be tailored to your specific needs and your insurance should be unique as well.
These are some specific questions may help you determine if your situation may require specific advice.
- Are split liability limits better than a combined single limit?
- Does my insurance cover damage caused when ticketed for reckless driving?
- Is my cargo covered for damage or theft?
- When should I remove my kid from my policy?
- What does PIP insurance cover?
- Am I getting all the discounts available?
- Is there a penalty for late payment?
- Exactly who is provided coverage by my policy?
- Do I need an umbrella policy?
- Does my Nissan Maxima need full coverage?
If it’s difficult to answer those questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area. It’s fast, free and you can get the answers you need.
Compare prices but buy from a neighborhood Minneapolis auto insurance agent
Some consumers just want to talk to an insurance agent. Licensed agents can help you choose the best coverages and help you file claims. One of the great benefits of price shopping on the web is that you can find lower rates but still work with a licensed agent. And providing support for small agencies is important particularly in Minneapolis.
After completing this simple form, your coverage information is transmitted to agents in your area who want to provide quotes for your coverage. It’s much easier because you don’t need to visit any agencies due to the fact that quote results will go to you. If you want to get a comparison quote from a specific company, don’t hesitate to visit that company’s website and fill out the quote form the provide.
Insurance agent types
When narrowing the list to find a local insurance agency, you must know there are a couple different types of agencies and how they differ in how they quote coverages. Auto insurance agents can either be independent agents or exclusive agents. Both insure your vehicles, but it’s good to learn why they differ since it may influence the kind of agent you use.
Independent Insurance Agents
Independent agents are not employed by any specific company and that allows them to write policies with multiple insurance companies and get you the best rates possible. If premiums increase, your agent can switch companies and you stay with the same agent. If you are comparing auto insurance prices, we recommend you include at least one independent agent to maximize your price options.
Listed below is a small list of independent insurance agents in Minneapolis that may be able to give you cheap rate quotes.
Moreno Agency – Innovative Insurance
4748 Chicago Ave #2 – Minneapolis, MN 55407 – (612) 584-0077 – View Map
Alisho Dependable Ins. Agency
1929 S 5th St #104 – Minneapolis, MN 55454 – (612) 354-2576 – View Map
Criterion Insurance Agency
3300 Fernbrook Ln N #170 – Minneapolis, MN 55447 – (800) 701-5909 – View Map
Exclusive Agents
Exclusive insurance agents can only provide pricing for a single company and examples are American Family, State Farm, and Allstate. Exclusive agents cannot provide other company’s prices so it’s a take it or leave it situation. These agents receive a lot of sales training on their company’s products and that can be a competitive advantage.
Below are Minneapolis exclusive agencies who can help you get price quotes.
American Family Insurance – Dawn Bartell
4649 Bloomington Ave – Minneapolis, MN 55407 – (612) 333-5554 – View Map
American Family Insurance – Patrick Fagerlee Agency Inc
3910 Central Ave NE – Minneapolis, MN 55421 – (763) 789-6201 – View Map
Farmers Insurance – Matthew Nye
2104 Stevens Ave #309 – Minneapolis, MN 55404 – (612) 979-2330 – View Map
Picking an auto insurance agent should depend on more than just the quoted price. The answers to these questions are important, too.
- Will one accident increase rates?
- What kind of financial rating does the company have?
- Are all drivers listed on the coverage quote?
- How long has their agency been in business in Minneapolis?
- How much can you save by raising your physical damage deductibles?