How Much Does 1991 Nissan 240SX Insurance Cost?

Searching for cheaper insurance rates for your Nissan 240SX? Drivers who are new to the process of comparison shopping online will find buying cheaper insurance coverage is more work than they thought.

If you have car insurance now, you should be able to lower your premiums substantially using this strategy. Locating cheaper protection is simple if you know the tricks. Nevertheless, drivers must understand how companies compete online because it can help you find the best coverage.

How to get affordable auto insurance

To find cheaper quotes, there are a couple of ways to compare rate quotes from many available auto insurance companies in your state. The recommended way to comparison shop consists of shopping online. It is quite easy and can be accomplished in several different ways.

1. The best way to find the lowest comparison rates is an all-inclusive rate comparison (click to open form in new window). This quick form eliminates the need for separate forms to each individual auto insurance company. Just one form gets you coverage quotes from many national carriers. It’s the fastest way to compare.
2. A slightly less efficient method to get comparison quotes is to take the time to go to each company website and repeat the quote process. For sake of this example, let’s assume you need rates from Farmers, Esurance and State Farm. To do that, you would have to go to every website to input your insurance information, which is why most consumers use the first method.

   To view a list of companies in your area, click here.

3. The least efficient and most time consuming way to get rate quotes is to drive around to local insurance agencies. Quoting and buying insurance online can eliminate the need for a local agent unless you have a need for the professional abilities of a local agent. If you prefer, some companies allow you to compare the best prices online but have your policy serviced through an agent.

The method you choose is up to you, but ensure you are comparing equivalent coverage data for every quote you compare. If each company quotes unequal deductibles or liability limits it will be impossible to determine which rate is truly the best. Having just a slight variation in limits can make a big difference in price. And when price shopping your coverage, comparing all the rates in your area increases your odds of finding a better price. Some companies don’t provide online quotes, so it’s necessary to compare prices from the smaller companies as well.

Insurance coverage rates and discounts

Insurance coverage is neither fun to buy or cheap, but you might already qualify for some discounts that you may not even know about. Many discounts should be triggered at quote time, but a few must be asked about before you get the savings.

• Active Military Service – Having a family member in the military can result in better insurance coverage rates.
• Seat Belts Save more than Lives – Forcing all vehicle occupants to use their safety belts may be able to save a few bucks on medical payment and PIP coverage.
• Fewer Miles Equal More Savings – Low mileage vehicles may allow you to get slightly better rates than normal.
• Waiver for an Accident – This one is not really a discount per se, but companies like Progressive and Allstate will turn a blind eye to one accident without raising rates if you are claim-free for a particular time prior to the accident.
• Life Insurance – Not all companies offer life insurance, but some may give you a lower rate if you buy a life policy as well.
• Early Switch Discount – Some insurance companies provide a discount for signing up early. The savings is around 10%.
• Paper-free Discount – Certain insurance coverage companies will provide an incentive for completing your application over the internet.
• Save with a New Car – Adding a new car to your policy may earn a small discount since newer models have better safety ratings.

Drivers should understand that most discount credits are not given to the entire cost. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. Just because you may think you could get a free insurance coverage policy, you’re out of luck.

Companies and a selection of discounts are shown below.

• Geico may have discounts that include air bags, five-year accident-free, emergency military deployment, anti-theft, driver training, federal employee, and good student.
• Mercury Insurance offers discounts including anti-theft, ease of repair, good driver, accident-free, type of vehicle, and good student.
• Farmers Insurance may offer discounts for pay in full, youthful driver, mature driver, bundle discounts, and alternative fuel.
• Auto-Owners Insurance policyholders can earn discounts including air bags, multi-policy, safe vehicle, multiple vehicles, good student, and anti-theft.
• Liberty Mutual offers premium reductions for good student, new move discount, preferred payment discount, newly retired, newly married, new graduate, and exclusive group savings.
• SAFECO has discounts for accident prevention training, anti-lock brakes, bundle discounts, anti-theft, safe driver, teen safe driver, and drive less.
• Progressive has savings for homeowner, good student, continuous coverage, online quote discount, and multi-policy.
• USAA offers discounts for driver training, multi-vehicle, family discount, loyalty savings, safe driver, vehicle storage, and multi-policy.

When quoting, ask each insurance company the best way to save money. Savings may not apply to policyholders in your area. If you would like to see a list of insurance coverage companies that offer some of these discounts, follow this link.

Learn how to lower your insurance rates

Lots of things are used when pricing auto insurance. Some are pretty understandable such as traffic violations, but some are not as apparent like your continuous coverage or your vehicle rating.Smart consumers have a good feel for some of the factors that help calculate your premiums. If you have a feel for what impacts premium levels, this allows you to make educated decisions that can earn you better auto insurance rates.

The factors shown below are a few of the “ingredients” used by your company to calculate premiums.

• Your spouse saves you money – Walking down the aisle may save some money on your auto insurance policy. It demonstrates that you tend to be more stable financially and statistics prove drivers who are married file infrequent claims.
• Expect high rates for teens – Young drivers have been known to be easily distracted when behind the wheel so they pay higher auto insurance rates. Older drivers are viewed as being more responsible, cause fewer claims and accidents and are safer drivers.
• Careless driving leads to higher costs – Careful drivers get better rates as compared to those with violations. Having just one ticket can boost insurance rates by as much as thirty percent. Drivers who have gotten license-revoking citations like DUI, reckless driving or excessive speeding might be required by their state to maintain a SR-22 with their state’s licensing department in order to continue driving.
• A auto insurance lapse can increase premiums – Having an insurance coverage lapse is a sure-fire way to drive up your policy premiums. Not only will rates go up, being ticketed for driving with no insurance may earn you a hefty fine and possibly a revoked license. You may have to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department.
• Women tend to be lower risk – The statistics show women tend to be less risk to insure than men. This data doesn’t prove that females are better drivers. Both sexes tend to get into auto accidents in similar percentages, but the men tend to have higher claims. In addition to higher claims, males also get cited for more serious violations like DWI (DUI) or reckless driving. Male drivers age 16 to 19 cause the most accidents so they pay the highest premiums.

Situations that may require an agent’s advice

When it comes to buying the best insurance coverage, there really is not a best way to insure your cars. Everyone’s situation is unique.

For instance, these questions could help you determine if your situation would benefit from professional advice.

• Are my friends covered when driving my 1991 Nissan 240SX?
• When do I need to add a new car to my policy?
• Is borrowed equipment or tools covered if stolen or damaged?
• Does my insurance cover a custom paint job?
• When should I not file a claim?
• Are my tools covered if they get stolen from my vehicle?
• How many claims can I have before being cancelled?
• How can I get high-risk coverage after a DUI?

If you’re not sure about those questions then you might want to talk to an insurance agent. If you don’t have a local agent, fill out this quick form.

Don’t be fooled by advertising claims

Respected companies like Progressive, Allstate and Geico endlessly run ads in print and on television. All the ads advertise claims about how much you will save if you change to their company. That’s great but how can every company charge you less for car insurance? You have to listen carefully.

Auto insurance companies give the best rates for the type of driver that earns them the most money. For example, a profitable insured may need to be between 30 and 50, has no driving citations, and does not commute to work. Any person that meets those criteria will qualify for the lowest car insurance rates and is almost guaranteed to save a lot of money.

Potential insureds who cannot meet this stringent profile will see higher premiums and this can result in the customer not buying. If you listen closely, the ads state “people that switch” not “everyone that quotes” save money. That’s why companies can advertise the way they do. Because of this risk profiling, drivers should compare many company’s prices. You cannot predict the company that will fit your personal profile best.

Parts of your insurance policy

Knowing the specifics of insurance aids in choosing the best coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered losses include hospital bills for your injuries and also any damage incurred to your 1991 Nissan 240SX.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for things like chiropractic care, pain medications, nursing services and dental work. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants as well as getting struck while a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision)

This coverage covers damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as damage from a tornado or hurricane, damage from flooding, fire damage, hitting a bird and rock chips in glass. The most you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision coverage protection

This pays to fix your vehicle from damage resulting from a collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as damaging your car on a curb, colliding with another moving vehicle, hitting a mailbox, scraping a guard rail and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. You can also bump up the deductible in order to get cheaper collision rates.

Auto liability

Liability insurance provides protection from damage or injury you incur to a person or their property. It protects you against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability coverage protects against claims like emergency aid, medical expenses and court costs. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

One last thing about your coverage

Budget-conscious 1991 Nissan 240SX insurance can be bought on the web and also from your neighborhood agents, and you should compare rates from both in order to have the best price selection to choose from. A few companies don’t offer the ability to get quotes online and usually these small, regional companies sell through independent insurance agents.

As you quote insurance coverage, don’t be tempted to buy lower coverage limits just to save a few bucks. There are too many instances where an accident victim reduced collision coverage only to regret they didn’t purchase enough coverage. The proper strategy is to buy enough coverage at an affordable rate, but don’t skip important coverages to save money.

Drivers switch companies for any number of reasons including an unsatisfactory settlement offer, policy non-renewal, questionable increases in premium and policy cancellation. Regardless of your reason, finding a new car insurance company can be pretty painless.

More information

• Teen Driver Licensing Information (iihs.org)
• Older Drivers FAQ (iihs.org)
• Red Light Cameras (State Farm)
• How to Avoid Common Accidents (State Farm)