Lower Your 1997 Nissan 200SX Insurance Cost

Consumers have many options when looking for low-cost Nissan 200SX insurance. They can either waste time driving around trying to get quotes or utilize the internet to compare rates. There is a better way to compare car insurance rates so you’re going to learn the absolute fastest way to quote coverages on a Nissan and obtain the best price possible from local insurance agents and online providers.

Buying car insurance is not rocket science. If you have car insurance now, you will most likely be able to cut costs considerably using these methods. Vehicle owners just need to understand the proper methods to compare rates over the internet.

How to buy insurance online

There are a lot of ways to compare insurance prices and some are less labor-intensive and much quicker. You could spend your day discussing policy coverages with local insurance agents in your area, or you can utilize the web to get the quickest rates.

All the larger companies participate in a marketplace where prospective buyers complete one form, and every company returns a rated price based on that information. This prevents consumers from doing quote requests for each company. To use this form to compare rates click here (opens in new window).

The one disadvantage to using this type of form is that consumers can’t choose the providers you want pricing from. So if you prefer to pick individual companies for rate comparison, we have assembled a list of insurance companies in your area. Click here to view list.

However you get your quotes, do your best to enter the exact same coverages and limits with each company. If you have unequal deductibles or liability limits you will not be able to determine which rate is truly the best.

Tailor your insurance coverage to you

When buying the best insurance coverage, there is no single plan that fits everyone. Your needs are not the same as everyone else’s.

Here are some questions about coverages that might help in determining whether or not you would benefit from professional advice.

• When should I drop full coverage on my 1997 Nissan 200SX?
• Do I benefit by insuring my home with the same company?
• What is the rate difference between pleasure use and commuting?
• Can I afford to buy a different vehicle if my 1997 Nissan 200SX is totaled?
• What are the best liability limits?
• Am I covered if I drive in a foreign country?
• What is the difference between comprehensive and collision coverage?
• What is the minimum liability in my state?
• Does my personal policy cover me when driving out-of-state?
• Does my car insurance cover rental cars?

If it’s difficult to answer those questions then you might want to talk to a licensed agent. If you don’t have a local agent, simply complete this short form. It only takes a few minutes and can provide invaluable advice.

Car insurance coverage information

Understanding the coverages of a car insurance policy helps when choosing appropriate coverage for your vehicles. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Medical expense coverage

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses like EMT expenses, pain medications, doctor visits, X-ray expenses and nursing services. They are often used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers 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

Collision protection

This coverage will pay to fix damage to your 200SX from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as hitting a parking meter, backing into a parked car, crashing into a building and scraping a guard rail. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Auto liability

Liability insurance protects you from damage that occurs to people or other property in an accident. It protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

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 means you have $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability can pay for claims like bail bonds, pain and suffering, medical expenses, legal defense fees and medical services. How much liability should you purchase? That is your choice, but you should buy as large an amount as possible.

Uninsured or underinsured coverage

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

Because many people only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Comprehensive protection

This coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like theft, damage from a tornado or hurricane and a broken windshield. The maximum payout a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.