1993 Nissan NX Insurance Cost – 7 Ideas for Cheaper Prices

Trying to find lower auto insurance rates for your Nissan NX? When trying to find more affordable insurance, are you frustrated by the dozens of auto insurance choices that you can choose from? Lot’s of other drivers are too. Vehicle owners have so many choices that it can be a challenge to find the perfect company for you.

Compare free insurance quotes

To find low cost auto insurance quotes, there are several ways to obtain and compare prices from many different insurance companies. The simplest method to do a complete rate comparison involves getting comparison quotes online. This can be accomplished in just a few minutes using one of these methods.

1. The most efficient way to get quotes for comparison is to use a rate comparison form click here to open form in new window. This method prevents you from having to do separate quotation requests for every company. Filling out one form will get you rate comparisons from multiple low-cost companies. Recommended for those who want to invest the least amount of time.
2. A less efficient way to shop for insurance online consists of going to each individual company website and get a separate price quote. For instance, let’s say you are doing a rate comparison from Progressive, Allstate and American Family. To find out each rate you need to navigate to each company’s site and punch in your information repeatedly, which can take a lot of time.

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

3. If you have time to kill, the last way to price shop rates is to spend time driving to and from local insurance agencies. The ability to quote online reduces the need to sit down with an agent unless you have a need for the trained advice that only a licensed agent can provide. Some companies do allow you to find lower rates online but still have the advice of a local agent.

It’s up to you how you get prices quotes, just be sure you’re using the exact same deductibles and coverage limits on every quote you get. If you have different deductibles it will be impossible to find the best deal for your Nissan NX. Just a small difference in coverages can result in a big premium difference. And when comparison shopping, obtaining a wide range of quotes helps you find a better price. Not every company allows you to get online quotes, so you need to compare quotes from them as well.

Are insurance coverage companies telling the truth?

Popular insurance coverage providers such as Allstate and Progressive consistently run ads in print and on television. They all seem to tend to make the same promise that people will save after switching your policy. That’s great but how can every company offer drivers better rates? It’s all in the numbers.

Insurance companies look for specific characteristics for the type of customer that earns them the most money. One example of a profitable insured may need to be between the ages of 40 and 55, has no prior claims, and drives a safe vehicle. A driver that matches those criteria will most likely get cheap rates and therefore will save some money.

Potential customers who don’t qualify for these stringent criteria will see a higher premium which usually ends up with the prospect going elsewhere. If you pay close attention to the ads, they say “customers who switch” not “all people who quote” will save that much if they switch. That’s why insurance companies can lure you into getting a quote. Because every company is different, drivers should compare price quotes frequently. Because you never know the company that will provide you with the cheapest rates.

Get cheaper insurance with discounts

Car insurance companies don’t always advertise every discount in an easy-to-find place, so here is a list some of the best known and the harder-to-find credits available to lower your premiums when you buy auto insurance online.

• Driver Safety – Completing a safe driver course may get you a small discount and also improve your driving technique.
• Drive Safe and Save – Insureds without accidents may save up to 50% more for NX coverage than drivers with accident claims.
• Military Rewards – Being deployed with a military unit could trigger a small discount.
• Government Employees – Having worked for a branch of the government could qualify for a slight premium decrease for NX coverage depending on your insurance provider.
• Discount for Multiple Policies – When you have multiple policies with one company you could save 10% to 20% off each policy.
• Passive Restraints and Air Bags – Factory air bags or motorized seat belts can receive discounts of more than 20%.
• Student Discounts – Getting good grades can be rewarded with saving of up to 25%. You can use this discount normally up to age 25.

One last thing about discounts, most discount credits are not given to the overall cost of the policy. Some only apply to the cost of specific coverages such as comprehensive or collision. Despite the appearance that adding up those discounts means a free policy, insurance companies aren’t that generous.

Large insurance companies and a partial list of their discounts are detailed below.

• Geico discounts include air bags, good student, seat belt use, multi-policy, membership and employees, and multi-vehicle.
• SAFECO offers premium reductions for bundle discounts, accident prevention training, drive less, anti-lock brakes, and safe driver.
• State Farm may have discounts that include good student, safe vehicle, driver’s education, multiple autos, Steer Clear safe driver discount, student away at school, and multiple policy.
• MetLife may include discounts for multi-policy, accident-free, defensive driver, good student, and claim-free.
• 21st Century policyholders can earn discounts including driver training, student driver, homeowners, good student, theft prevention, air bags, and automatic seat belts.
• Progressive has discounts for good student, homeowner, online quote discount, online signing, multi-policy, multi-vehicle, and continuous coverage.

Before you buy a policy, ask all companies you are considering which discounts you may be entitled to. A few discounts may not apply in your area. For a list of insurance companies that have a full spectrum of discounts, click this link.

Tailor your insurance coverage coverage to you

When choosing adequate coverage, there really is not a single plan that fits everyone. Every situation is different.

Here are some questions about coverages that may help highlight whether or not you may require specific advice.

• How many claims can I have before being cancelled?
• Can my teen drive my company car?
• What is high-risk coverage and where do I buy it?
• Are rental cars covered under my policy?
• Does insurance cover damages from a DUI accident?
• Should I bundle my homeowners policy with my auto?
• Can I make deliveries for my home business?
• Am I covered if my car is in a flood?

If you can’t answer these questions, you might consider talking to a licensed agent. To find an agent in your area, fill out this quick form.

Detailed coverages of your insurance policy

Knowing the specifics of a insurance policy aids in choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Uninsured or underinsured coverage

This coverage gives you protection when other motorists are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your 1993 Nissan NX.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical expense coverage

Coverage for medical payments and/or PIP kick in for expenses such as ambulance fees, X-ray expenses, doctor visits, chiropractic care and funeral costs. They are often used in conjunction with a health insurance plan or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Auto liability insurance

This coverage can cover injuries or damage you cause to other’s property or people that is your fault. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 25/50/25 that translate to a limit of $25,000 per injured person, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability coverage pays for things such as repair costs for stationary objects, pain and suffering, attorney fees and loss of income. How much coverage you buy is up to you, but you should buy as much as you can afford.

Collision insurance

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

Collision coverage protects against things like scraping a guard rail, rolling your car, driving through your garage door, sideswiping another vehicle and colliding with a tree. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Comprehensive protection

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like a tree branch falling on your vehicle, damage from a tornado or hurricane, a broken windshield and damage from getting keyed. The most your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Online plus local equals savings

Some auto insurance companies may not offer price quotes online small insurance companies work with independent agencies. Budget-conscious 1993 Nissan NX insurance can be sourced on the web in addition to local insurance agencies, so you should be comparing quotes from both to get a complete price analysis.

You just learned a lot of techniques to lower your 1993 Nissan NX insurance car insurance rates. The key concept to understand is the more times you quote, the better your comparison will be. You may even find the lowest priced auto insurance comes from a lesser-known regional company.

When trying to cut insurance costs, it’s a bad idea to reduce coverage to reduce premium. There are many occasions where consumers will sacrifice liability limits or collision coverage only to discover later that a couple dollars of savings turned into a financial nightmare. Your focus should be to get the best coverage possible at the lowest possible cost.

Additional information

• Auto Insurance Basics (Insurance Information Insitute)
• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• Child Safety Seats (Insurance Information Insitute)
• Airbag FAQ (iihs.org)