1996 Nissan 200SX Car Insurance Cost – 7 Ideas for Best Prices

No one in their right mind likes having to buy insurance, especially knowing the cost is too high.

Insurance companies such as Geico, Progressive and Allstate persitently shower you with fancy advertisements and consumers find it hard to ignore the promise of big savings and do the work needed to find the best deal.

It is always a good idea to take a look at other company’s rates yearly since prices are constantly changing. Just because you found the lowest price on 200SX coverage a couple years back the chances are good that you can find a lower rate quote today. Forget all the misinformation about insurance because you’re about to find out the things you must know in order to find the best coverage while lowering your premiums.

How to get free auto insurance quotes online

There are several ways to compare auto insurance prices and some are less labor-intensive and much quicker. You could spend your day talking to insurance companies in your area, or you can stay home and use the web to get the quickest rates.

Many companies belong to a marketplace that enables customers to send in one quote, and each company can provide price quotes for coverage. This saves time by eliminating quote forms for every auto insurance company.

To find out what other companies charge click here to open in new window.

The one disadvantage to doing it this way is you are unable to specify which companies to get quotes from. So if you prefer to pick specific providers to compare, we put together a list of the cheapest auto insurance companies in your area. Click here to view list.

Whichever way you use, be sure to compare exactly the same quote data on every price quote you get. If each company quotes different limits and deductibles on each one you can’t possibly decipher which rate is best. Slightly different coverage limits may cause a big price difference. And when quoting auto insurance, remember that comparing more company’s prices provides better odds of finding the best offered rates.

Lower-cost auto insurance quotes with discounts

Car insurance companies don’t list all available discounts very well, so here is a list both the well known and the harder-to-find credits that you can use to lower your rates.

• Discount for Low Mileage – Low annual miles can earn cheaper rates.
• Safety Restraint Discount – Forcing all vehicle occupants to buckle their seat belts could save 15% on medical payment and PIP coverage.
• Payment Method – By paying your policy upfront as opposed to paying monthly you may have a lower total premium amount.
• Discounts for Federal Employees – Employees or retirees of the government can earn a discount up to 10% on 200SX coverage with some auto insurance companies.
• Accident Free – Good drivers with no accidents can earn big discounts as opposed to accident-prone drivers.
• Homeowners Pay Less – Just owning your own home can help you save on auto insurance due to the fact that maintaining a home is proof that your finances are in order.
• Discount for Multiple Policies – When you combine your auto and homeowners insurance with the same company you will save up to 20% off your total premium.

Remember that most discounts do not apply to the entire policy premium. A few only apply to individual premiums such as collision or personal injury protection. Despite the appearance that you can get free auto insurance, nobody gets a free ride.

Some companies that may have some of the above discounts possibly include:

• Farm Bureau
• MetLife
• Progressive
• AAA
• American Family
• Geico
• State Farm

When getting free insurance quotes, it’s a good idea to every insurance company to give you their best rates. Some of the discounts discussed earlier may not apply to policies in your area. To locate insurance companies who offer discounts, click here to view.

Tailor your insurance coverage to you

When it comes to buying proper insurance coverage for your personal vehicles, there really is not a cookie cutter policy. Coverage needs to be tailored to your specific needs and your policy should reflect that. For example, these questions can help discover whether you would benefit from professional advice.

• What is medical payments coverage?
• How can I get my company to pay me more for my totalled car?
• What vehicles should carry emergency assistance coverage?
• Is other people’s property covered if stolen from my vehicle?
• What is covered by UM/UIM coverage?
• What companies insure drivers after a DUI or DWI?

If you’re not sure about those questions but you know they apply to you, you might consider talking to an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies.

Brand name doesn’t guarantee savings

Well-known insurance coverage companies like Allstate, Geico and Progressive regularly use ads on television and other media. All the companies convey the message that drivers will save a bundle just by switching to their company. Is it even possible that every company can have lower policy pricing? Just pay attention to how they say it.

All companies offer their best rates for the type of customer that earns them the highest profit. For example, a driver they prefer might be described as a female over age 40, has never had a claim, and insures a new vehicle. A driver that matches those criteria will probably get cheap car insurance rates and will also cut their rates substantially.

Drivers who don’t measure up to this stringent profile will probably have to pay a higher rate which results in business not being written. If you listen to the ad wording, they say “drivers who switch” but not “all drivers who get quotes” save money. That’s why insurance companies can claim big savings.

Because each company has a different risk profile, drivers should do a price quote comparison at every renewal. It’s not possible to predict which insurance companies will have better prices than you’re paying now.

Detailed coverages of your car insurance policy

Learning about specific coverages of a car insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be confusing and nobody wants to actually read their policy. These are the usual coverages found on the average car insurance policy.

Liability coverage

This coverage provides protection from damage that occurs to other’s property or people. It protects YOU against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for things such as emergency aid, legal defense fees, pain and suffering, medical services and court costs. How much liability should you purchase? That is your choice, but consider buying higher limits if possible.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance pay for immediate expenses such as EMT expenses, surgery, hospital visits and doctor visits. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

This gives you protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Nissan 200SX.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive insurance

This coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as rock chips in glass, 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 market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Collision insurance

Collision coverage pays for damage to your 200SX caused by collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims such as damaging your car on a curb, backing into a parked car, driving through your garage door and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Save for a rainy day

As you go through the steps to switch your coverage, don’t be tempted to sacrifice coverage to reduce premiums. In too many instances, an insured cut liability limits or collision coverage and learned later that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to get the best coverage possible at an affordable rate and still be able to protect your assets.

Some auto insurance companies may not offer online quoting and many times these regional carriers sell through independent agents. Cheaper auto insurance is attainable from both online companies in addition to many insurance agents, so compare prices from both to get a complete price analysis.

We’ve covered many tips how you can save on 1996 Nissan 200SX insurance. It’s most important to understand that the more you quote insurance, the higher your chance of finding affordable insurance. You may even discover the most savings is with a small local company. Regional companies may have significantly lower premium rates on certain market segments compared to the large companies like Progressive and Geico.

Much more information about auto insurance can be read at these links:

• Winter Driving (Insurance Information Insitute)
• Your Car has been Stolen: Now What? (Allstate)
• What Does No-Fault Insurance Cover? (Allstate)
• Teen Driver Statistics (Insurance Information Insitute)