Compare 1993 Nissan 240SX Insurance Rates

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.

Nissan 240SX insurance price factors

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.

• Occupation and insurance rates – Occupations like doctorsairline pilots and accountants usually pay higher premiums than the average policyholder because of job stress and incredibly demanding work hours. Other jobs like scientists, students and performers pay lower than average rates on 240SX coverage.
• Save money by eliminating extra policy coverages – Policies have additional coverages that can add up if you don’t pay attention. Insurance for things like rental car coverage, accident forgiveness, and extra equipment coverage may be costing you every month. They may sound like good ideas when talking to your agent, but if you don’t need them think about removing them and cutting costs.
• Do you save by driving less? – Driving a lot of miles in a year the higher your rates will be. The majority of insurers apply a rate based on their usage. Vehicles left parked in the garage can be on a lower rate level than vehicles that are driven to work every day. Ask your agent if your insurance policy is rated on the correct usage for each vehicle, because it can save money. Having the wrong rating on your 240SX is just wasting money.
• High coverage deductibles save money – Comprehensive and collision coverage deductibles define the amount you are required to pay before your insurance pays a claim. Physical damage insurance, also known as collision and other-than-collision, insures against damage to your car. Some examples of claims that would be covered are rearending another vehicle, damage from fire, and damage caused by road hazards. The more damage repair cost you have to pay, the less money you will pay for insurance on 240SX coverage.

How to shop insurance coverage online

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.

• The fastest and easiest way to get quotes is to use a rate comparison form like this one (opens in new window). This type of form saves time by eliminating separate quote forms for every insurance coverage company. Filling out one form gets you price quotes from insurance coverage companies with the best prices.It’s the quickest way to get rates.
• A less efficient way to find lower rates is to take the time to go to each company’s website to complete their respective quote request forms. For examples sake, we’ll assume you need rates from Nationwide, Esurance and Allstate. To get each rate you have to go to every website and repeatedly enter your information, which is not fast way to get rate quotes.

  For a list of links to companies insuring cars in your area, click here.

• The most time-consuming method to do your price quoting is calling or driving to insurance agencies in your area. Buying insurance online makes this process obsolete unless you prefer the advice and guidance of a local agent. Although, it is possible get prices online and still use a local agent.

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.

Advertising myths

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.

Take policy discounts and save

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.

• Driver’s Ed – Have your child successfully complete driver’s ed class in school.
• Military Discounts – Being deployed in the military can result in better premium rates.
• Driver Safety – Successfully completing a driver safety class can save you 5% or more if your company offers it.
• Theft Deterent Discount – Cars, trucks, and SUVs with anti-theft systems are stolen with less frequency so companies will give you a small discount.
• Accident Waiver – Not necessarily a discount, but some insurance companies will forgive one accident without getting socked with a rate hike with the catch being you have to be claim-free for a specific time period.

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.

• State Farm policyholders can earn discounts including Steer Clear safe driver discount, Drive Safe & Save, accident-free, student away at school, multiple autos, good driver, and good student.
• Geico discounts include defensive driver, driver training, emergency military deployment, membership and employees, and seat belt use.
• Allstate may offer discounts for early signing, safe driver, economy car, farm vehicle, and multi-policy.
• SAFECO offers premium reductions for teen safe driver, teen safety rewards, drive less, anti-theft, accident prevention training, and multi-car.
• Farm Bureau offers discounts for renewal discount, 55 and retired, driver training, youthful driver, multi-policy, and multi-vehicle.
• Progressive has discounts for multi-policy, online signing, multi-vehicle, continuous coverage, online quote discount, and good student.
• AAA offers discounts including AAA membership discount, good student, education and occupation, anti-theft, and good driver.

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.

Which policy gives me the best coverage?

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.

• Which companies will insure high-risk drivers?
• Is my teen driver covered when they drive my company car?
• At what point should I drop full coverage?
• Can I afford low physical damage deductibles?
• Is a blown tire covered by insurance?
• Where can I get insurance after a DUI in my state?

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.

Insurance coverage specifics

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.

Pennies from heaven

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:

• Understanding your Policy (NAIC.org)
• What does Personal Injury Protection (PIP) Cover? (Allstate)
• Side Impact Crash Tests (iihs.org)
• Choosing an Insurance Company (Insurance Information Insitute)
• Information for Teen Drivers (Geico)