Compare 1992 Nissan 240SX Insurance Quotes

Searching for the cheapest insurance for your Nissan 240SX can normally be a lot of work, but you can use these tips to find lower rates. There is a better way to find insurance coverage online so we’re going to tell you the quickest way to price shop coverage for a Nissan and find the best price possible from local insurance agents and online providers.

If you are insured now or are looking for a new policy, you can use this information to find the best rates while maximizing coverage. Shopping for the lowest cost insurance coverage is simple if you know the tricks. Consumers just need to learn the proper way to shop online.

How to lower your insurance rates

Many factors are taken into consideration when you quote your car insurance policy. Most are fairly basic such as your driving record, but other factors are less obvious such as your marital status or how safe your car is.

• Raise physical damage deductibles and save – The deductibles you choose are the amount of money you are willing to pay out-of-pocket if a claim is determined to be covered. Coverage for physical damage, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your car. Examples of some claims that would be covered are rearending another vehicle, vandalism, and having a roll-over accident. The larger the amount you have to pay, the less money you will pay for auto insurance on 240SX coverage.
• Pleasure use saves money – Driving more miles annually the more it will cost to insure it. The majority of insurers rate vehicles based on their usage. Autos used primarily for pleasure use can get a lower rate than vehicles that have high annual mileage. It’s a good idea to make sure your auto insurance policy states the correct usage for each vehicle, because it can save money. Improper usage on your 240SX can result in significantly higher rates.
• Gender and insurance – Statistics have proven that females take fewer risks when driving. Now that doesn’t mean females are better at driving than males. Both genders are responsible for at-fault accidents in similar percentages, but men cause more damage. Men also statistically receive more costly citations like reckless driving and DUI.
• Age of drivers – Older, more experienced drivers are more responsible, cost insurance companies less in claims and are safer drivers.Inexperience drivers have a tendency to be less responsible when driving so they pay higher auto insurance rates.
• Poor credit can mean higher prices – Credit history is a large factor in determining premium rates. So if your credit can use some improvement, you could pay less to insure your 1992 Nissan 240SX if you clean up your credit. Insureds with high credit ratings tend to be better risks to insure than drivers who have poor credit scores.

The method we recommend to compare rates utilizes the fact almost all companies allow for online access to give free rates quotes. The one thing you need to do is provide the companies a bit of rating information like if your license is active, if the car is leased, which vehicles you own, and deductibles desired. That rating information is instantly submitted to insurance carriers in your area and they return rate quotes instantly to find the best rate.

Car insurance advertising gotchas

Consumers can’t avoid all the ads that claim the lowest premium rates from the likes of State Farm, Allstate and Geico. They all seem to say the same thing that people will save after switching to them.

It sounds good, but how can they all charge you less for auto insurance? It’s all in how they say it.

Insurance companies quote their best rates for the type of driver that makes them money. One example of this type of driver might be described as a female over age 40, has a clear driving record, and has great credit. A propective insured that fits those parameters may get the lowest rates and will probably save some money.

People who are not a match for the requirements must pay higher premiums which translates to business not being written. If you listen to the ad wording, they say “people who switch” not “all people who quote” save that kind of money. That’s the way insurance companies can confidently state the savings. This really illustrates why you need to get as many free auto insurance quotes as possible. Because you never know which insurance companies will be your best fit.

Don’t overlook these auto insurance discounts

Some providers don’t list every possible discount very well, so the next list breaks down both the well known in addition to some of the lesser obvious auto insurance savings.

• Discount for New Cars – Buying a new car model can save you some money due to better safety requirements for newer models.
• Homeowners Discount – Owning a home may earn you a small savings since owning and maintaining a home requires a higher level of personal finance.
• Life Insurance Discount – Select insurance carriers reward you with a lower price if you buy some life insurance in addition to your auto policy.
• Drive Safe and Save – Insureds who avoid accidents can save up to 40% or more on their auto insurance quote on 240SX coverage compared to accident prone drivers.
• Seat Belt Usage – Drivers who require all vehicle occupants to use a seat belt may be able to save a few bucks on the medical payments or PIP coverage costs.
• Switch and Save Discount – Some larger companies reward drivers for buying a new policy before your current policy expires. It can save you around 10%.
• Smart Student Discounts – A discount for being a good student can save 20 to 25%. Many companies even apply the discount to college students well after school through age 25.

Don’t be shocked that many deductions do not apply to the entire policy premium. Most only cut the price of certain insurance coverages like medical payments or collision. So even though it sounds like you would end up receiving a 100% discount, auto insurance companies aren’t that generous. Any amount of discount will positively reduce the cost of coverage.

To see a list of auto insurance companies that have a full spectrum of discounts, click here to view.

When to get professional advice

When it comes to choosing the right insurance coverage for your personal vehicles, there isn’t really a one size fits all plan. Every insured’s situation is different.

For example, these questions may help you determine if your situation might need an agent’s assistance.

• How many claims can I have before being cancelled?
• What is high-risk coverage and where do I buy it?
• Does having multiple vehicles earn me a discount?
• Does insurance cover damages from a DUI accident?
• Am I covered if hit by an uninsured driver?
• What is medical payments coverage?
• How much liability coverage do I need in my state?
• When should my teen driver be added to my policy?

If you’re not sure about those questions, you might consider talking to a licensed agent. To find lower rates from a local agent, simply complete this short form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Auto insurance coverages

Having a good grasp of your policy helps when choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Auto liability – This coverage provides protection from damage or injury you incur to people or other property in an accident. This insurance protects YOU against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 25/50/25 which means a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability can pay for things such as repair costs for stationary objects, court costs, pain and suffering and structural damage. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your 1992 Nissan 240SX.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Comprehensive auto coverage – Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like vandalism, a tree branch falling on your vehicle and fire damage. The maximum payout your car insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP kick in for expenses like doctor visits, X-ray expenses, chiropractic care, EMT expenses and funeral costs. The coverages can be used in conjunction with a health insurance plan or if you are not covered by health insurance. They cover you and your occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Collision coverage – Collision coverage pays for damage to your 240SX from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things like colliding with another moving vehicle, rolling your car, driving through your garage door, colliding with a tree and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. You can also choose a higher deductible in order to get cheaper collision rates.

The bottom line

People who switch companies do it for any number of reasons including questionable increases in premium, extreme rates for teen drivers, being labeled a high risk driver or even unfair underwriting practices. Regardless of your reason, finding a new insurance coverage company can be easy and end up saving you some money.

We covered a lot of ways to reduce 1992 Nissan 240SX insurance car insurance rates online. The most important thing to understand is the more times you quote, the more likely it is that you will get a better rate. You may even find the best price on insurance coverage is with a smaller regional carrier.

Lower-priced 1992 Nissan 240SX insurance is available from both online companies as well as from insurance agents, and you should compare rates from both to have the best rate selection. Some insurance companies don’t offer online rate quotes and usually these small insurance companies only sell through local independent agents.

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

• Car Insurance FAQ (Trusted Choice)
• Vehicle Safety Ratings (iihs.org)
• Your Car has been Stolen: Now What? (Allstate)
• Auto Insurance Facts and Statistics (Insurance Information Insitute)
• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)
• What to do at the Scene of an Accident (Insurance Information Insitute)