1995 Nissan 200SX Insurance Quotes – 7 Discounts for Cheaper Rates

Nobody looks forward to paying premiums for auto insurance, especially knowing their premiums are through the roof. There is such a variety of car insurance companies to insure vehicles with, and even though it’s nice to have a selection, too many choices makes it more difficult to get the best deal.

Smart consumers take time to get comparison quotes periodically because auto insurance prices tend to go up over time. Just because you had the lowest rate on 200SX insurance a year ago the chances are good that you can find a lower premium rate today. Forget all the misinformation about auto insurance because you’re going to learn one of the easiest ways to remove unneeded coverages and save money.

Seven discounts to earn affordable car insurance rates

Car insurance can be pricey, but you may qualify for discounts that you may not know about. A few discounts will be applied at the time of quoting, but a few need to be asked for prior to getting the savings.

• Buy New and Save – Buying a new car model can save you some money because new vehicles keep occupants safer.
• Multi-policy Discount – If you can combine your auto and homeowners policy and insure them both with the same insurance company you will save over 10 percent off each policy depending on the company.
• Discount for Life Insurance – Select insurance carriers reward you with better rates if you take out some life insurance in addition to your auto policy.
• ABS and Traction Control Discounts – Anti-lock brake equipped vehicles can reduce accidents and will save you 10% or more.
• Telematics Devices – People who choose to allow companies to analyze driving manner through the use of a telematics system such as In-Drive from State Farm or Allstate’s Drivewise system may see discounts as long as they are good drivers.
• Smart Student Discounts – Excelling in school can be rewarded with saving of up to 25%. You can use this discount normally well after school through age 25.
• Safety Course Discount – Taking part in a defensive driving course can save you 5% or more if you qualify.

Discounts lower rates, but some credits don’t apply to your bottom line cost. Most only apply to specific coverage prices like collision or personal injury protection. So despite the fact that it appears adding up those discounts means a free policy, car insurance companies aren’t that generous.

A partial list of companies that may offer some of the above discounts are:

• AAA
• Progressive
• State Farm
• Esurance
• Nationwide

When getting free insurance coverage quotes, it’s a good idea to all the companies which discounts you may be entitled to. Some of the discounts discussed earlier might not be available to policyholders in your area. To see car insurance companies with significant discounts, click this link.

The quickest method to compare insurance rates in your area is to know the trick almost all companies pay for the opportunity to give you rate quotes. To start a quote, the only thing you need to do is provide details like if a SR-22 is needed, marital status, if you lease or own, and how your vehicles are used. Those rating factors is automatically sent to insurance companies and they return cost estimate within a short period of time.

Tailor your car insurance coverage to you

When it comes to buying adequate coverage, there isn’t really a one size fits all plan. Every insured’s situation is different so your insurance needs to address that. Here are some questions about coverages that may help you determine if your insurance needs could use an agent’s help.

• How do I insure my teen driver?
• Can I afford to buy a different vehicle if my 1995 Nissan 200SX is totaled?
• Do all my vehicles need collision coverage?
• Am I covered if I break a side mirror?
• Is my trailer covered?
• When would I need additional glass coverage?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

Car insurance coverage specifics

Learning about specific coverages of a car insurance policy can help you determine the best coverages for your vehicles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Listed below are typical coverages offered by car insurance companies.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance covers damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as theft, damage from flooding and a tree branch falling on your vehicle. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance kick in for bills for things like surgery, ambulance fees, X-ray expenses, nursing services and hospital visits. The coverages can be used in conjunction with a health insurance plan or if you are not covered by health insurance. It covers you and your occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Liability car insurance – This protects you from damages or injuries you inflict on other’s property or people that is your fault. It protects you against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 50/100/50 which means $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability coverage pays for things like medical expenses, repair bills for other people’s vehicles and loss of income. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants and damage to your Nissan 200SX.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Normally these coverages are identical to your policy’s liability coverage.

Collision coverages – Collision coverage pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like sustaining damage from a pot hole, crashing into a ditch and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. You can also bump up the deductible in order to get cheaper collision rates.

Shop. Compare. Save.

Cheaper 1995 Nissan 200SX insurance can be bought from both online companies as well as from insurance agents, so get free insurance coverage quotes from both of them in order to have the best price selection to choose from. Some insurance companies may not have the ability to get a quote online and many times these regional insurance providers sell through independent agents.

In this article, we presented a lot of tips how to reduce 1995 Nissan 200SX insurance prices online. The key thing to remember is the more providers you compare, the better likelihood of getting the cheapest insurance coverage. You may even find the biggest savings come from some of the lesser-known companies. They may have significantly lower rates on certain market segments than the large multi-state companies such as Allstate or State Farm.

More tips and info about auto insurance is available in these articles:

• Teen Driver Licensing Information (iihs.org)
• State Car Insurance Guides (Geico)
• Airbag FAQ (iihs.org)
• Can I Drive Legally without Insurance? (Insurance Information Insitute)
• Side Impact Crash Tests (iihs.org)
• Preventing Carjacking and Theft (Insurance Information Insitute)