1995 Nissan Truck Insurance Quotes – 5 Tips for Best Rates

Searching for the cheapest car insurance rates? Consumers have options when looking for affordable Nissan Truck insurance. They can either waste time calling around to get rate comparisons or leverage the internet to compare rates. There are more efficient ways to find car insurance online so you’re going to learn the proper way to price shop coverage on a Nissan and get the best price possible from both online companies and local agents.

If you have insurance now or are just looking to switch companies, you can use this information to shop for the lowest rates and possibly find even better coverage. The purpose of this post is to teach you the best way to quote coverages and some tips to save money. Drivers only need to know how to get comparison rates online.

Take these five policy discounts and save

Insurance can be prohibitively expensive, but you may qualify for discounts that you may not even be aware of. Some of these disounts will be visible when you quote, but a few must be specifically requested prior to getting the savings.

  • No Accidents – Good drivers with no accidents pay much less when compared with policyholders that have many claims.
  • Telematics Discount – Drivers who elect to allow driving data collection to scrutinize where and when they drive through the use of a telematics system such as Snapshot from Progressive or Drivewise from Allstate might see lower rates if they have good driving habits.
  • Homeowners Savings – Owning a home can help you save on insurance coverage due to the fact that maintaining a home is proof that your finances are in order.
  • More Vehicles More Savings – Having all your vehicles on the same insurance coverage policy can get a discount for every vehicle.
  • Good Grades Discount – Performing well in school can save 20 to 25%. Earning this discount can benefit you well after school through age 25.

Discounts lower rates, but most credits do not apply to all coverage premiums. Some only reduce specific coverage prices like liability, collision or medical payments. Even though it appears adding up those discounts means a free policy, nobody gets a free ride.

Car insurance companies that may offer policyholders these discounts include:

Before you buy a policy, ask each company the best way to save money. Some discounts may not apply in your area. To choose providers that provide some of the discounts listed above, click here.

How to shop auto insurance online

Lowering your 1995 Nissan Truck auto insurance rates is actually quite simple. All you need to do is take a couple of minutes comparing rate quotes from different insurance companies. Rate comparisons can be done in several different ways.

  • Experts agree that the best way consumers can analyze rates is a comparison rater form click here to open form in new window. This style of form keeps you from doing repetitive form entry for every prospective company. A single form gets you coverage quotes from multiple companies. This is by far the quickest method.
  • A harder way to obtain and compare quotes online is to take the time to go to the website for every company you want to comare and get a separate price quote. For instance, we’ll assume you want to compare rates from State Farm, Liberty Mutual and GMAC. To get each rate you have to take the time to go to each site and type in your information over and over, which is why the first method is more popular.

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

  • The most difficult method to comparison shop is going to insurance agents’ offices. Comparing rates online can eliminate the need for a local agent unless you prefer the trained guidance only provided by licensed agents. Although you can get the lowest quotes online and still use a local agent.

It’s up to you how you get prices quotes, just ensure you are comparing nearly identical information with each company. If each company quotes different deductibles then you won’t be able to determine which company has the best rates.

Which policy gives me the best coverage?

When buying adequate coverage, there really is not a “best” method to buy coverage. Every situation is different.

Here are some questions about coverages that might point out whether or not you might need an agent’s assistance.

  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Am I covered when delivering products for my home-based business?
  • Should I carry comprehensive and collision coverage?
  • How does medical payments coverage work?
  • Can I get a multi-policy discount?
  • Why am I required to buy high-risk coverage?
  • Do I need medical payments coverage since I have good health insurance?
  • Are my friends covered when driving my car?

If you can’t answer these questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, complete this form. It is quick, free and may give you better protection.

Big names are not always cheapest

Drivers can’t avoid all the ads that promise big savings for switching by companies like Progressive, Allstate and Geico. All the ads have a common claim about how much you will save if you get a free insurance quote and switch your policy.

Is it even possible that every company can charge you a lower premium? Just pay attention to how they say it.

Most companies give the best rates for the type of insured that will not have excessive claims. One example of this type of risk profile could be married and over the age of 30, has few claims, and does not commute to work. A customer that meets those criteria receive the lowest rate quotes and is almost guaranteed to save a lot of money.

Drivers who fall outside the requirements will probably have to pay higher rates and ends up with the customer not purchasing. The ad wording is “drivers who switch” not “everyone that quotes” will save that much if they switch. That is how insurance companies can state the savings. This emphasizes why drivers must compare many company’s premium rates. It is impossible to guess which company will have better car insurance rates than you’re paying now.

Information about specific coverages

Learning about specific coverages of your policy helps when choosing which coverages you need for your vehicles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

Insurance for medical payments

Coverage for medical payments and/or PIP reimburse you for bills for things like EMT expenses, X-ray expenses, ambulance fees and rehabilitation expenses. They are often used in conjunction with a health insurance policy or if you do not have health coverage. It covers both the driver and occupants and will also cover being hit by a car walking across the street. PIP coverage is not available in all states and may carry a deductible

Auto liability

This will cover damages or injuries you inflict on people or other property in an accident. This insurance protects YOU against other people’s claims. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers things like structural damage, medical services, repair bills for other people’s vehicles and pain and suffering. The amount of liability coverage you purchase is up to you, but buy as much as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Comprehensive coverage (or Other than Collision)

This pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like fire damage, damage from getting keyed, hitting a bird and vandalism. The maximum amount your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision coverage protection

This coverage pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like hitting a mailbox, damaging your car on a curb and colliding with a tree. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to choose a higher deductible to bring the cost down.

Be a Smart Shopper

We covered a lot of techniques to save on 1995 Nissan Truck insurance. It’s most important to understand that the more rate quotes you have, the better likelihood of getting the cheapest insurance. You may even find the biggest savings come from a small mutual company.

When shopping online for auto insurance, it’s very important that you do not sacrifice coverage to reduce premiums. Too many times, an insured cut uninsured motorist or liability limits and found out when filing a claim they didn’t have enough coverage. Your strategy should be to find the BEST coverage for the lowest cost while still protecting your assets.

Cheaper auto insurance is definitely available online as well as from independent agents, so you need to shop insurance with both in order to have the best price selection to choose from. Some insurance companies may not offer online rate quotes and these smaller providers only sell coverage through local independent agencies.

For more information, feel free to visit the resources below:

Comments About 1995 Nissan Truck Insurance

  1. Sandy Holloway

    I think I’m paying too much. I’m just west of New Haven, CT. Got quotes from USAA, AIG Insurance, The General, and Nationwide for my Truck and saved just over $80 a year. Left Travelers to switch. Get lots of quotes to find the best rate. Next renewal I’ll just do liability.

  2. Nancie Farley

    I’m in New Orleans, Louisiana. I quoted with Progressive, American Family, Farmers, and Hartford for my 1995 Nissan Truck and I think I saved about $30 each month. Wish I didn’t have to insure at all.

  3. Jc Hester

    I got quite a few price quotes for a 1995 Nissan Truck in Aurora, Colorado. Ended up at darn near $100 every six months with AIG Insurance. Switched homeowners coverage too. Still almost need a second mortgage.

  4. Tammie Good

    I live in a small town just outside of Albuquerque, New Mexico. Quoted prices from AAA, Sentry, and some smaller one I can’t remember the name of for my Nissan and cut my rates about $100 a year.

  5. Dewey Sellers

    I’ve bought from GEICO forever. Cheapest rates in Fairbanks, Alaska.

  6. Kanisha Salinas

    If you don’t have tickets and are close to Rochester, NY, check out State Farm. You might save some money. I increased coverages a little too. I think I’ll get rid of full coverage next time.

  7. Genie Bradley

    I found cheap 1995 Nissan Truck insurance in Cincinnati, OH with 21st Century.

  8. Tara Thornton

    Any GEICO or Esurance customers near Colorado Springs, CO?

  9. Kathaleen Garrison

    Live in the southern part of Baton Rouge, LA. Got car insurance quotes with AIG Insurance, Safeco, and a few others for my Truck and saved around $60 a year. Was with Liberty Mutual. Thankfully I’m not a high risk driver. Just liability coverage since it’s getting old.

  10. Darcey Lowery

    If you have a clean record and live around Atlanta, GA, check out Allstate. They seem to be cheaper. Left Allstate to switch. I have a couple other vehicles on the policy.

  11. Sandi Malone

    If you’re a decent driver and live near Aurora, CO, check out 21st Century. I saved quite a bit. Not worth enough to pay for comprehensive and collision.

  12. Justin Park

    In Atlanta, Georgia, Progressive auto insurance rates for my 1995 Nissan Truck were good. Was with Travelers. Are quotes cheaper online?

  13. Anette Frye

    I live in Augusta, Georgia. Checked online prices for a 1995 Nissan Truck. Ended up at about $70 savings annually. Went with Progressive. Was with State Farm. Not worth enough to pay for comprehensive and collision.

  14. Debby Powers

    GEICO is decent in Baltimore, MD.

  15. Mathew Leblanc

    Progressive and State Farm had the best prices I found in Indiana.

  16. Lizbeth Houston

    If you have a good history and are close to Bridgeport, Connecticut, check out 21st Century. They seem to be cheaper.

  17. Nila Acosta

    Lifelong resident of Colorado Springs, Colorado. Received quotes with Progressive, Erie, and Hanover for my Nissan and saved just over $90 a year. My new agent seems to be really good. I think I’ll get rid of full coverage next time.