Cheap 1990 Nissan 240SX Insurance Quotes

Looking for lower auto insurance rates for your Nissan 240SX? If you’re trying to find more affordable insurance, are you confused by the dozens of auto insurance providers that you can choose from? Many other drivers are as well. You have so many options that it is a challenge to find the best auto insurance rates.

Consumers should take time to do price comparisons once or twice a year because auto insurance prices fluctuate regularly. Just because you found the best rate on 240SX insurance a year ago you can probably find a better premium rate now. There is a lot of bad information regarding auto insurance on the internet, but by reading this article, you’re going to learn some of the best ways to lower your auto insurance rates.

Save money with these auto insurance discounts

Auto insurance can be pricey, but you might be missing out on some discounts that may help make it more affordable. Certain reductions will be credited when you complete an application, but once in a while a discount must be requested specifically in order for you to get them.

  • Safety Restraint Discount – Using a seat belt and requiring all passengers to use a seat belt can save 10% or more off PIP or medical payments premium.
  • Discount for Low Mileage – Low annual miles may allow you to get slightly better premium rates than normal.
  • First Accident Forgiveness – This isn’t a discount exactly, but some companies like Progressive, Allstate, and Liberty Mutual permit an accident without raising rates if you have no claims prior to the accident.
  • Accident-Free Discounts – Insureds with no claims or accidents have much lower rates as opposed to frequent claim filers.
  • Discounts for Federal Employees – Active or former government employment can save as much as 8% on 240SX insurance but check with your company.
  • Membership in Organizations – Having an affiliation with qualifying employment or professional organizations is a simple method to lower premiums on your bill.
  • Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems may earn rate discounts of 25 to 30%.
  • Pay Now and Pay Less – If you pay your bill all at once instead of paying each month you can avoid monthly service charges.
  • Drivers Ed for Students – Require your teen driver to participate in a local driver’s education class if offered at their school.

A little note about advertised discounts, some of the credits will not apply to all coverage premiums. Most cut individual premiums such as physical damage coverage or medical payments. Even though the math looks like you could get a free auto insurance policy, companies wouldn’t make money that way. Any amount of discount will reduce the amount you pay for coverage.

If you would like to choose from a list of insurance companies with the best discounts, follow this link.

How to buy car insurance

Shopping for lower car insurance rates can be challenging if you don’t utilize the most efficient way. You could spend your day talking about coverages with agents in your area, or you can utilize online quoting to get pricing more quickly.

All the larger companies enroll in a system that enables customers to submit one quote, and every company can give them a price. This saves time by eliminating quote requests for each company you want a rate for.

To submit your quote information now, click here to open in new window.

One minor caviat to doing it this way is you can’t choose which companies to receive prices from. So if you prefer to choose from a list of companies to compare prices, we have a page of car insurance companies in your area. Click here to view list.

It’s your choice how you get your quotes, but make sure you compare equivalent information for each price quote. If you compare different coverage information it’s not possible to make a fair rate comparison. Having just a slight variation in insurance coverages or limits can mean a large discrepancy in price. Keep in mind that comparing more company’s prices will increase your chances of finding more affordable insurance. Some smaller insurers to not give rate quotes online, so you need to compare prices from them as well.

Car insurance can get complicated

When it comes to choosing the right insurance coverage, there is no “perfect” insurance plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that can help discover whether or not you might need professional guidance.

  • Can I rent a car in Mexico?
  • Is a fancy paint job covered?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Will filing a claim cost me more?
  • What exactly is covered by my policy?
  • Should I carry comprehensive and collision coverage?
  • When does my teenage driver need to be added to my policy?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to an agent. If you don’t have a local agent, fill out this quick form.

Specifics of your insurance policy

Knowing the specifics of a insurance policy can help you determine which coverages you need for your vehicles. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Auto liability insurance – This coverage will cover damage or injury you incur to other people or property in an accident. It protects you against claims from other people. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 25/50/25 that means you have $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for things such as structural damage, medical services, court costs and legal defense fees. How much coverage you buy is a personal decision, but you should buy as high a limit as you can afford.

Collision coverages – This coverage pays to fix your vehicle from damage resulting from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as sideswiping another vehicle, crashing into a ditch and crashing into a building. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also raise the deductible to bring the cost down.

Uninsured Motorist or Underinsured Motorist insurance – This coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Nissan 240SX.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Insurance for medical payments – Coverage for medical payments and/or PIP provide coverage for bills such as hospital visits, X-ray expenses, dental work, funeral costs and nursing services. They are often used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Coverage applies to you and your occupants as well as being hit by a car walking across the street. PIP coverage is not universally available and may carry a deductible

Comprehensive coverage (or Other than Collision) – This will pay to fix damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like hail damage, a tree branch falling on your vehicle and vandalism. The maximum payout your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Save your cold hard cash

Cheaper 1990 Nissan 240SX insurance can be found from both online companies as well as from insurance agents, so get free auto insurance quotes from both of them to have the best rate selection. Some insurance companies may not provide the ability to get quotes online and usually these smaller companies sell through local independent agents.

You just read some good ideas how you can save on 1990 Nissan 240SX insurance. The key concept to understand is the more companies you get prices for, the better chance you’ll have of finding low cost auto insurance. Drivers may discover the best premium rates are with the least-expected company.

When buying insurance coverage, make sure you don’t buy lower coverage limits just to save a few bucks. There have been many situations where someone sacrificed comprehensive coverage or liability limits only to discover later that a couple dollars of savings turned into a financial nightmare. Your aim should be to buy enough coverage at the best cost, but don’t skip important coverages to save money.

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Comments About 1990 Nissan 240SX Insurance

  1. Kiyoko Oneal

    Lots of useful info here. Located in Fargo, ND. I don’t recall every quote but I ended up saving about $30 each month. Was with American Family. I get multi-vehicle and multi-policy discounts.

  2. Li Mayer

    I’m just west of Jersey City, New Jersey. Quoted with GMAC, Auto-Owners, Safeco, and a couple others for my 1990 Nissan 240SX and saved just over $60 a year. Insured with Progressive before. I’m a pretty low risk driver. I got prices on the web. Liability only on my Nissan.

  3. Kirsten Dawson

    Thought I’d throw in my experience. Located in Charleston, SC. Quoted with GMAC, AIG Insurance, Nationwide, and a couple others for my 240SX and saved just over $80 a year. Just go online and compare their rates. Next renewal I’ll just do liability.

  4. Hank Slater

    Nice post. Located in Jacksonville, FL. I got free quotes from Western Auto Insurance, AAA, The General, and Nationwide for my 240SX and I’m now saving $14 a month. Was with MetLife. I used their website to get prices.

  5. Dominique Frost

    What is Underinsured Motorist coverage?

  6. Sherell Chen

    Where is cheaper car insurance? I live in Burlington, Vermont. Received prices from Hartford, American Family, Sentry, and a couple others for my 1990 Nissan 240SX and saved just over $100 a year.

  7. Benito Wiley

    I live just outside San Diego, California. Quoted quotes from Liberty Mutual, AIG Insurance, Mercury, and a couple others for my 1990 Nissan 240SX and saved just over $80 a year. Insured with MetLife before. I have a teen driver too. I recommend comparing lots of rates. I don’t have comp or collision coverage.

  8. Ashley Beasley

    Anyone understand their policy?

  9. Shad Beach

    Is GEICO or Allstate cheaper in Chicago, IL?

  10. Elisabeth Lawson

    I’m in Great Falls, Montana. Went online for free insurance quotes for a 1990 Nissan 240SX. Ended up at about $100 savings annually. Went with Progressive. Was with Travelers. They were helpful in switching over. Just liability coverage since it’s getting old.

  11. Gertude Gonzalez

    Cheap is relative. I live in a small town just outside of Davenport, IA. Can’t remember who all I quoted but I ended up saving about $30 each month. Thankfully I’m not a high risk driver. It’s too old for full coverage.

  12. Bruce Rogers

    Cheap car insurance? What’s that? I’m just east of Sioux Falls, SD. Quoted quotes with State Farm, Liberty Mutual, and Esurance for my 240SX and I’m now saving $15 a month. They have free quotes online.

  13. Rose Bowers

    Like your site, BTW. I live on the north side of Saint Louis, MO. Don’t remember every company but I ended up saving about $30 each month. Was with GMAC. Good savings if you bundle. They offer free online rate quotes. Not worth enough to pay for comprehensive and collision.

  14. Lachelle Ramos

    FYI in Allentown, PA try Progressive. I got a good deal.

  15. Noemi Powell

    Thought I’d throw in my experience. From a town just southwest of Lewiston, Maine. Got car insurance rates from Allstate, Amica, Encompass, and Hartford for my 1990 Nissan 240SX and I’m now saving $18 a month. I think I’ll get rid of full coverage next time.

  16. Tonja Mejia

    Mine is so expensive. From Idaho Falls, ID. Received quotes with Western Auto Insurance, Amica, Hartford, and Nationwide for my 240SX and cut my rates about $90 a year. Even increased coverage a bit.