Trying to find better auto insurance rates for your Nissan 240SX? Searching for better insurance prices for a Nissan 240SX could be a lot of work, but you can learn these tips and make it easy. There are both good and bad ways to buy auto insurance so we’re going to tell you the best way to get price quotes for a Nissan and obtain the cheapest rates either online or from local insurance agents.
It’s important that you understand some of the things that play a part in calculating your premiums. If you have some idea of what influences your rates, this empowers consumers to make smart changes that will entitle you to big savings.
Getting a cheaper price on 1993 Nissan 240SX insurance is pretty simple and can save money. Consumers just need to spend a few minutes on the computer comparing price quotes to see which company has inexpensive insurance quotes. This can be accomplished in a couple of different ways.
For a list of links to companies insuring cars in your area, click here.
However you get your quotes, ensure you are comparing exactly the same coverages and limits for each comparison quote. If you compare unequal deductibles or liability limits it will be next to impossible to determine the best price for your Nissan 240SX.
Drivers can’t get away from ads for auto insurance savings by companies like Progressive, Allstate and Geico. All the ads try to convey promises about saving some big amount if you get a free insurance quote and switch your auto insurance coverage to their company.
How does every auto insurance company lower your premium rates?
Auto insurance companies give the cheapest rates for the type of driver that is profitable for them. An example of a driver they prefer might have to be over age 30, has a clean driving record, and drives less than 5,000 miles a year. Any driver that fits those parameters will get very good car insurance rates and as a result will probably save a lot of money.
Potential insureds who don’t qualify for these stringent criteria will probably have to pay a higher rate which leads to the customer buying from a different company. The trick companies use is to say “people that switch” not “everyone who quotes” save that much money. That is how companies can make the claims of big savings. This really drives home the point why it’s extremely important to get a wide range of price quotes. It is impossible to guess with any certainty which company will fit you best based on your risk profile.
Some insurers don’t always advertise every discount they offer in a way that’s easy to find, so the next list breaks down both the well known as well as the least known credits available to you.
Discounts reduce rates, but you should keep in mind that some credits don’t apply to the entire policy premium. Most only cut the price of certain insurance coverages like comprehensive or collision. Even though the math looks like all those discounts means the company will pay you, you aren’t that lucky.
Popular insurance companies and some of the premium reductions they offer are detailed below.
Before purchasing a policy, check with each company which discounts can lower your rates. All car insurance discounts might not be offered in your area.
When it comes to choosing the right insurance coverage, there is no cookie cutter policy. Your needs are not the same as everyone else’s.
Here are some questions about coverages that may help you determine if your situation would benefit from professional advice.
If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, free and you can get the answers you need.
Learning about specific coverages of your policy can help you determine appropriate coverage and proper limits and deductibles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.
Uninsured/Underinsured Motorist coverage
This coverage gives you protection from other motorists when they do not carry enough liability coverage. This coverage pays for injuries to you and your family and damage to your Nissan 240SX.
Because many people only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.
Comprehensive coverage
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 pays for claims such as falling objects, hitting a bird, fire damage, damage from flooding and hitting a deer. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
Medical payments coverage and PIP
Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for things like funeral costs, X-ray expenses, nursing services, hospital visits and surgery. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. They cover all vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible
Liability insurance
This coverage will cover damage or injury you incur to other’s property or people. This insurance protects YOU against claims from other people. It does not 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. As an example, you may have liability limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.
Liability insurance covers claims such as pain and suffering, repair bills for other people’s vehicles, structural damage and legal defense fees. How much liability should you purchase? That is a personal decision, but buy as large an amount as possible.
Collision protection
This coverage pays to fix your vehicle from damage caused by collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.
Collision coverage pays for things such as hitting a mailbox, scraping a guard rail, sideswiping another vehicle, sustaining damage from a pot hole and backing into a parked car. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. You can also bump up the deductible to save money on collision insurance.
People who switch companies do it for many reasons like delays in paying claims, unfair underwriting practices, policy cancellation and even policy non-renewal. Regardless of your reason, finding a great new company is not as difficult as it may seem.
As you go through the steps to switch your coverage, never reduce needed coverages to save money. In many cases, someone dropped liability limits or collision coverage and learned later they didn’t purchase enough coverage. Your goal should be to find the BEST coverage at the best cost while still protecting your assets.
Some insurance coverage companies do not provide online price quotes and usually these regional carriers sell through independent agents. Cheap 1993 Nissan 240SX insurance can be sourced from both online companies as well as from independent agents, so you need to compare both to have the best rate selection.
Additional insurance coverage information can be found at these links:
Jules Foster
Here’s my quote info. Live in the eastern part of Reno, Nevada. Went online for free insurance quotes for a 1993 Nissan 240SX. Ended up at about $120 savings annually. Went with State Farm. Insured with GEICO before. Might find lower rates online. Not worth enough to pay for comprehensive and collision.
Twyla Goodwin
Checking in from Tampa, FL, and State Farm rates were best. I have several vehicles insured with them. They were helpful in switching over. Liability only on my Nissan.
Britta Glover
Enjoyed the article. I’m just west of Gaithersburg, MD. Received prices from MetLife, Encompass, Progressive, and AIG Insurance for my Nissan and I’m now saving $16 a month. I dropped full coverage awhile back.
Anton Foley
Too expensive. I ride a bike.
Joeann Dodson
I live just outside Frederick, MD. I got free prices from 21st Century, AAA, and Encompass for my 240SX and I think I saved about $30 each month. Left Esurance to switch.
Laurence Vaughn
I live in Reno, NV. I got free quotes with Progressive, Erie, and Liberty Mutual for my 1993 Nissan 240SX and I think I saved around $20 each month. It was easy to get rates. It’s only liability tho.
Nikki Compton
From Mesa, AZ. Quoted a bunch of companies. Saved darn near $20 a month. State Farm was the best choice for me. I get lower rates because of my clean driving record. Are quotes cheaper online?
Stephany Ross
Cheap car insurance? What’s that? I’m in Lewiston, Maine. Received quotes with State Farm, Hartford, and Farmers for my 240SX and saved $87 a year. Just waiting to see how claims go. Just liability coverage since it’s getting old.
Hang Reese
For me, Progressive was by far the cheapest in Philadelphia, Pennsylvania.
Mee Carrillo
$100 to anyone who understands their policy.
Tanya Hanson
Good site, thanks. From northwest of Norman, OK. I got free rates from Auto-Owners, Sentry, and Western Auto Insurance for my 240SX and saved just over $100 a year.
Clark Snyder
If you don’t have tickets and are close to Raleigh, North Carolina, check out Allstate. I saved quite a bit. Ask about discounts. They were helpful in switching over.