1994 Nissan 240SX Insurance Quotes – 9 Tips for Cheaper Rates

Trying to find cheaper insurance for a Nissan 240SX can be a lot of work, but you can follow these tips to save time.

There is a right way and a wrong way to shop for car insurance and you need to know the quickest way to quote coverages for a Nissan and obtain the lowest price.

If you are insured now or need new coverage, you can use these tips to shop for the lowest rates and still get good coverage. Finding the lowest cost auto insurance coverage is quite easy. Drivers just need to learn the most efficient way to compare company rates online.

First Step: Get free insurance coverage quotes

Performing a rate comparison can be a lot of work if you don’t know the fastest way to get free quotes. You can waste hours driving to insurance companies in your area, or you could save time and use the internet to get rates in a matter of minutes.

Most car insurance companies enroll in a system where prospective buyers enter their policy data once, and each participating company returns a rated price. This prevents consumers from doing repetitive form submissions to each individual insurance coverage company. To get comparison pricing now click here (opens in new window).

The one downside to getting quotes like this is that you can’t choose the insurers you want to price. So if you want to choose specific providers to receive pricing from, we have a listing of insurance coverage companies in your area. Click here to view list.

It’s up to you which method you use, but make sure you use equivalent coverages for every company. If the quotes have unequal deductibles or liability limits you will not be able to truly determine the lowest rate.

You may qualify for discounts

Insurance coverage is not cheap nor is it fun to buy but you may qualify for discounts that can help lower your rates. Certain discounts will be applied when you get a quote, but a few need to be asked for before being credited.

• Defensive Driving Course – Taking a course that instructs on driving safety could earn you a small percentage discount depending on where you live.
• Homeowners Discount – Being a homeowner can help you save on insurance coverage since home ownership shows financial diligence.
• Paper-free Discount – Certain insurance companies will provide an incentive for buying your policy digitally online.
• Senior Citizen Rates – Older drivers may be able to get better insurance coverage rates for 240SX insurance.
• Braking Control Discount – Cars and trucks that have steering control and anti-lock brakes are safer to drive and the ABS can save up to 10%.
• Multi-car Discount – Insuring more than one vehicle on one policy could earn a price break for each car.
• Low Mileage Discounts – Driving fewer miles could earn slightly better rates than normal.
• Professional Organizations – Participating in specific professional or occupational memberships or organizations is a simple method to lower premiums when shopping for insurance coverage.
• Theft Deterent Discount – Cars, trucks, and SUVs equipped with anti-theft or alarm systems are stolen with less frequency and that can save you a little bit as well.

One last thing about discounts, some of the credits will not apply the the whole policy. Most only apply to individual premiums such as medical payments or collision. So even though it sounds like you would end up receiving a 100% discount, that’s just not realistic.

A few companies who may offer many of the previously listed discounts possibly include:

• Farm Bureau
• State Farm
• Progressive
• Allstate
• Nationwide
• MetLife

Before purchasing a policy, check with each insurance company which discounts you may be entitled to. Some of the discounts discussed earlier might not be offered in your state. To see insurance coverage companies with significant discounts, click here.

There’s no such thing as the perfect auto insurance policy

When it comes to choosing coverage for your vehicles, there really is no one size fits all plan. Everyone’s situation is a little different.

These are some specific questions might help in determining whether you may require specific advice.

• How do I buy GAP insurance?
• What can I do if my company denied a claim?
• How much liability insurance is required?
• Am I insured when driving a different vehicle?
• Do I pay less for low miles?
• Which is better, split liability limits or combined limits?
• Should I buy only the required minimum liability coverage?
• Can I rent a car in Mexico?

If it’s difficult to answer those questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, free and can provide invaluable advice.

Car insurance coverage information

Learning about specific coverages of your auto insurance policy can be of help when determining which coverages you need and proper limits and deductibles. Policy terminology can be confusing and nobody wants to actually read their policy.

Comprehensive (Other than Collision)

This coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as vandalism, damage from a tornado or hurricane, theft and rock chips in glass. The maximum payout you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Auto liability

This coverage will cover damage or injury you incur to other people or property. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Some companies may use a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against claims like repair costs for stationary objects, structural damage, legal defense fees and court costs. How much liability coverage do you need? That is your choice, but consider buying as much as you can afford.

Medical expense insurance

Med pay and PIP coverage provide coverage for immediate expenses like ambulance fees, funeral costs, rehabilitation expenses and doctor visits. They are utilized in addition to your health insurance plan or if you do not have health coverage. Medical payments and PIP cover you and your occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Protection from uninsured/underinsured drivers

This provides protection from other drivers when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Most of the time these coverages do not exceed the liability coverage limits.

Collision coverage

Collision insurance will pay to fix damage to your 240SX caused by collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like sustaining damage from a pot hole, driving through your garage door and colliding with a tree. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to save money on collision insurance.

Have money to burn

As you shop your coverage around, do not reduce coverage to reduce premium. There are a lot of situations where someone sacrificed comprehensive coverage or liability limits to discover at claim time that the savings was not a smart move. Your objective should be to buy the best coverage you can find at the best cost, not the least amount of coverage.

Cheaper insurance is available from both online companies and from local insurance agents, and you need to price shop both to have the best chance of lowering rates. Some companies don’t offer online rate quotes and usually these regional insurance providers work with independent agents.

Drivers who switch companies do it for any number of reasons including unfair underwriting practices, extreme rates for teen drivers, high prices and lack of trust in their agent. Regardless of your reason, finding the right insurance provider can be easy and end up saving you some money.

To learn more, feel free to visit these articles:

• Auto Insurance Learning Center (State Farm)
• Protect Yourself Against Auto Theft (Insurance Information Insitute)
• Tread Depth and Tire Safety (State Farm)
• Rental Car Insurance Tips (Insurance Information Insitute)
• A Tree Fell on Your Car: Now What? (Allstate)