SilverBullet98

I just got back from the dealer...I was looking at a 1998 SE, silver, black leather, fully loaded...I WANT THIS CAR..but, I dont know if I can afford the insurance...I pay like $2500 a year on my 1990 , with basic insurance...How much do you guys pay ??? BTW, I'm 19 with a squeaky clean record....Thanks

24KP-I-M-P

i pay around $1100 a year canadian with %40 discount

mzmtg

iTrader: (11)

I'm 23 with one speeding ticket and one not at fault accident in the last year. I pay $1150 per year for full coverage.

BRIGBOY

but I'm 19 too and live in NJ and I pay $3500 / year for just liability. I also have I think 11 points and a DWI. So don't drink and drive, or you'll buy a new set of 22" rims every year but never get to roll on em.

To answer your question better I dont think your insurance will go up too much except that you need full coverage on a vehicle that you are financing until it is payed for fully.

Daniel B. Martin

$408 per year for Liability, Collision, Fire, Theft, Uninsured Motorist, etc. etc.

mk dema

wow DBM, how'd you pull that deal off?

Daniel B. Martin

Rural area.
Safe driver discount.
Multi-car discount.
Large deductible on the collision coverage.

I shopped around to find the lowest premium. In my case it was State Farm. For a different driver or different town it might be some other company.

hjerrod

I am 23, married, no accidents/tickets. I pay $1100/year for full coverage on a 98 SE with Farmers.

kaniksu

Damn, you guys are depressing me....

I just moved to Dallas and am going to buy a 1999 SE, I was looking around at insurance. The first place I called was Farmers, they are who I had insurance through on my 86 maxima in Washington. I am 19 with one speeding ticket. They quoted me $3,459 for 6 months!!! Thats almost $3,000 more then what I was paying...

So I called every place in the area and Allstate quoted me $1,425 for 6 months. Still high but at least I can afford it. That is of course for full coverage.

With the way people drive in Dallas I can understand the higher rates

Alec

Roman-dude

call several brokers and insurance companies (i.e. GEICO) and ask for the quote. Make sure you give them the right info when getting the quote or you'll get stuck with the higher premiums than the quate when they learn the truth.

Later

ShortT

well im 20 and have 3 tickets on my record... (from a while back)... i pay about $1800 a year for full coverage on my max.

Daniel B. Martin

State Farm notified me of a change in premium. Now it costs $398 per year for Liability, Collision, Fire, Theft, Uninsured Motorist, etc. etc.

NickStam

iTrader: (3)

You must live in the midwest or something

Roman-dude

I would dare to say that he's probably in Canada , but Dan would never tell... it's all about the car, as he puts it.

Later

Daniel B. Martin

Yes, this forum is about the 4Gen Maxima, not about personalities. I treasure privacy and prefer not to divulge personal information. When pressed too hard I give the Lizard response. Some readers find the Lizard amusing, or frightening, or baffling.

NZ Max

Half of us would be lost if it werent for Daniel B Martin.

By the way, I pay $898/ year for premium with 60 % discount. Im 19 with dangerous driving, disqualified driving, failing to givway and numerous speeding tickets. From a company called State Insurance in New Zealand

kaniksu

Ok, Allstate cancelled my policy after like 5-7 days because they require you to be licensed 5 years and I have only been licensed 3 years.... but they failed to mention this when writing my policy!!! I only bought the car because I found them and their awesome deal on insurance. Now I have a $15k car that I can't drive because its uninsured!!!!

Been calling around for a week, the lowest rate I have found (for full coverage) was like $532 a month! That's twice as much as my car payment. Anyone have any ideas? I'm 19, one speeding ticket and I live in Dallas, TX. I don't understand why its so high... Even the agents can't offer me suggestions...I don't know what to do.

I can't sell my car and i have to have insurance.

Alec

Roman-dude

Open up yellow pages and go through the list of brokers... that's pretty much all you can do. Also call up big places directly (Geico etc). But I would bet that your premiums would be around 3-4K/yr anyway. Or try insuring it in your parents' name.

Later

TintDaMax

Im an 18 year old student. I only have liability with Farmers Insurance, I pay $1000 a year.

Roman-dude

are you in Idaho or something?

97MaxGLE

I'm 17 and been driving 6 months. I pay $2800/year with everything although I'm also on my parents policy.

TintDaMax

No im not from Idaho, Im from Northern California.

Tmeyers

I've been fighting with my agent for years over my premiums..
$1000.00 a year full coverage...The deal with the Maxima is
Farmers rates the 97 SE 4th gen as a "3"...the same year Accord
or Camery is rated a "U"...much much lower....

GRRRRRRRRRRRRRRRRRR

kaniksu

My parents live 2,000 miles away, so there goes that option. I have called Farmers, State Farm, Gieco, progressive, Allstate, Nationwide, and the place that quoted me 532$ claimed they ran my quote through 20 companies and that rate was the lowest through progressive.

Nationwide quoted me low but then turned around and doubled it because my insurance has been lapsed for more then a month.... I moved out of state and was without a car and insurance for 2 months....

Alec

bolido2000

You can be insured with any relative I think...my insurence is with my aunt and I pay 600 a year for liablity (im 22 with 0 tickets )

chris j vurnis

It all boils down to this:

1. How far is your commute to work or school.
2. Driving record
3. Age of driver.

These make up the biggest contributors --

But if you live in New Jersey, you are just plain out of luck.
Or also if you are still a teenager.

njmaxseltd

iTrader: (19)

I'm in NJ, 38, clean record, pay $1100 full coverage. NJ has the highest insurance cost around. I think even NY is cheaper. Give AIG a call. They were the cheapest around after I did my shopping.