1997 Nissan 240SX Insurance Cost

Trying to find the cheapest car insurance rates for your Nissan 240SX? Searching for the cheapest insurance for a new or used Nissan 240SX can normally be a lot of work, but you can learn these tips and make it easy.

There are both good and bad ways to find car insurance online so we’re going to tell you the best way to price shop coverage for a Nissan and locate the best price possible either online or from local insurance agents.

Shopping for the best coverage is not that difficult. If you have a current insurance policy or are just looking to switch companies, you can use this information to reduce the price you pay while maximizing coverage. Consumers only need to know the most effective way to get comparison quotes online.

Double check you’re getting these discounts

Car insurance is not cheap, but companies offer discounts that can dramatically reduce your bill. Some of these disounts will be visible when you purchase, but some must be requested specifically before you will receive the discount.

• Discount for Low Mileage – Driving less could qualify for lower rates due to less chance of an accident.
• Discount for Passive Restraints – Factory air bags and/or automatic seat belt systems may qualify for discounts of 20% or more.
• Defensive Driver – Passing a course teaching safe driver skills could save 5% or more and easily pay for the cost of the class.
• Seat Belt Discounts – Forcing all vehicle occupants to fasten their seat belts can save a little off the PIP or medical payment premium.
• Discount for Multiple Policies – When you have multiple policies and place coverage with the same company you may save 10% to 20% off each policy.
• Anti-lock Brake System – Cars, trucks, and SUVs that have steering control and anti-lock brakes can reduce accidents and will save you 10% or more.
• Discount for Life Insurance – Larger auto insurance companies have a discount if you purchase life insurance.
• Pay Upfront and Save – If paying your policy premium upfront rather than spreading payments over time you can actually save on your bill.
• Professional Memberships – Affiliation with a civic or occupational organization is a simple method to lower premiums on your next auto insurance statement.

Drivers should understand that most credits do not apply to the entire cost. Most only apply to the price of certain insurance coverages like collision or personal injury protection. So even though they make it sound like you would end up receiving a 100% discount, companies don’t profit that way. Any amount of discount should help reduce the amount you pay for coverage.

To view companies that offer discounts, click here.

How your 240SX insurance costs are determined

Many things are part of the equation when you quote your car insurance policy. Some are obvious like an MVR report, although some other factors are not quite as obvious like your continuous coverage or how safe your car is.

• You might want pay the minor insurance coverage claims yourself – If you are the type of insured that files lots of claims you can expect either policy cancellation or increased premiums. Companies provide most affordable rates to policyholders who do not rely on their insurance for small claims. Insurance coverage is meant to be used in the event of claims that pose a financial burden.
• Low deductibles mean high costs – Physical damage deductibles define the amount you are willing to pay out-of-pocket if a claim is determined to be covered. Insurance for physical damage to your car, also called comprehensive and collision insurance, is used to repair damage to your car. Some examples of covered claims would be colliding with a stationary object, collision with a deer, and damage caused by road hazards. The higher the amount you pay before a claim is paid (deductible), the less your company will charge you for insurance on 240SX coverage.
• High credit score translates to low premiums – An insured’s credit rating is a large factor in calculating your insurance coverage rates. If your credit is not that good, you may save money insuring your 1997 Nissan 240SX if you improve your credit rating. Insureds that have high credit scores tend to be better drivers and file fewer claims than drivers with poor credit.
• Don’t skimp on liability insurance – Liability insurance kicks in if a jury decides you are liable for causing damage or personal injury in an accident. This coverage provides legal defense to defend your case. Liability insurance is pretty cheap when compared with rates for comp and collision, so do not cut corners here.
• Do males or females drive better? – Over the last 30 years, statistics show that females tend to be a little less risky than males. It does not mean women are better drivers. Males and females tend to get into auto accidents in similar numbers, but the males tend to have more serious accidents. Men also statistically have more aggressive citations such as DWI and reckless driving. Youthful male drivers cause the most accidents and therefore have the most expensive insurance coverage rates.
• Where you call home is a factor – Being located in a rural area can be a good thing when trying to find low car insurance rates. People in densly populated areas tend to have more aggressive driving styles and much longer commute distances. Less people translates into fewer accidents and a lower car theft rate.

Special considerations

When it comes to choosing adequate coverage, there really is not a best way to insure your cars. Everyone’s needs are different.

For instance, these questions may help highlight whether you may require specific advice.

• How high should deductibles be on a 1997 Nissan 240SX?
• Should I waive the damage coverage when renting a car?
• Am I covered when delivering products for my home-based business?
• Do I have newly-aquired coverage?
• Am I insured when driving a different vehicle?
• What is the minimum liability in my state?
• Do I pay less for low miles?
• Is a fancy paint job covered?
• What is high-risk coverage and where do I buy it?

If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed agent. To find an agent in your area, simply complete this short form. It only takes a few minutes and you can get the answers you need.

Don’t listen to company ads

Drivers can’t ignore all the ads that claim the best car insurance rates by Geico, State Farm and Progressive. They all seem to make an identical promise of big savings just by switching to them.

How does every insurance coverage company sell you cheaper insurance coverage? This is the trick they use.

All the different companies quote the lowest rates for the type of insured that earns them a profit. For example, this type of insured might have to be between the ages of 30 and 45, is a homeowner, and chooses high deductibles. Any customer that meets those criteria gets the lowest premium rates and have a good chance to cut their rates substantially.

Drivers who are not a match for these standards will see a more expensive rate and the customer not purchasing. If you listen closely, the ads state “people who switch” but not “all drivers who get quotes” save that kind of money. That’s why insurance companies can confidently make the claims of big savings.

Because of this risk profiling, you really should get price quotes at each policy renewal. You cannot predict with any certainty which company will provide the lowest premium rates.

Auto insurance policy coverages for a Nissan 240SX

Learning about specific coverages of a auto insurance policy helps when choosing appropriate coverage for your vehicles. Auto insurance terms can be confusing and nobody wants to actually read their policy.

Liability auto insurance

Liability insurance provides protection from injuries or damage you cause to people or other property. It protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 100/300/100 which stand for a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Alternatively, you may have a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for claims like loss of income, legal defense fees, attorney fees, pain and suffering and funeral expenses. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses such as doctor visits, pain medications, funeral costs, rehabilitation expenses and hospital visits. The coverages can be used to fill the gap from your health insurance program or if there is no health insurance coverage. They cover all vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Uninsured or underinsured coverage

This gives you protection when the “other guys” do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your Nissan 240SX.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Usually these coverages do not exceed the liability coverage limits.

Auto collision coverage

This coverage will pay to fix damage to your 240SX caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like colliding with a tree, crashing into a building and crashing into a ditch. This coverage can be expensive, so consider dropping it from vehicles that are older. Another option is to choose a higher deductible to save money on collision insurance.

Comprehensive protection

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

Comprehensive coverage pays for things like theft, vandalism and damage from flooding. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Be a money saver!

While you’re price shopping online, it’s very important that you do not reduce needed coverages to save money. In too many instances, an insured cut collision coverage only to find out that it was a big error on their part. The goal is to buy the best coverage you can find for the lowest cost but still have enough coverage for asset protection.

We’ve covered a lot of techniques to save on 1997 Nissan 240SX insurance. The key thing to remember is the more rate quotes you have, the better your comparison will be. Drivers may discover the best price on insurance is with a small local company.

Consumers switch companies for a number of reasons such as delays in responding to claim requests, high rates after DUI convictions, an unsatisfactory settlement offer and denial of a claim. No matter why you want to switch, finding a new insurance company is pretty easy and you might even save some money in the process.

More detailed insurance information is available at these sites:

• Can I Drive Legally without Insurance? (Insurance Information Insitute)
• If I File a Claim will My Insurance Go Up? (Insurance Information Insitute)
• What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)
• How do I File a Claim? (Insurance Information Insitute)