How Much Does 1998 Nissan 240SX Insurance Cost?

Trying to find better insurance rates? Buyers have lots of choices when searching for affordable Nissan 240SX insurance. They can either waste time calling around to compare prices or save time using the internet to make rate comparisons.

There are more efficient ways to find insurance online so we’re going to tell you the proper way to get price quotes for a new or used Nissan and locate the best price possible from both online companies and local agents.

You need to quote other rates before your policy renews because insurance rates are usually higher with each renewal. Just because you found the best premium rates on 240SX coverage a couple years back a different company probably has better prices today. You can find a lot of misleading information regarding insurance on the web, but I’m going to show you a bunch of ideas how to slash your insurance rates.

If you are insured now or are just looking to switch companies, you can follow these tips to cut your premiums and still get good coverage. The purpose of this post is to instruct you on how car insurance quotes work. Drivers only need to know the proper way to compare company rates online.

How much is auto insurance?

Many insurance companies like State Farm, Allstate and Geico provide coverage price quotes direct online. Getting prices online is quite easy as you just enter the coverage amounts you desire as requested by the quote form. After you complete the form, the company’s rating system will order your driving and credit reports and returns a price quote.

This makes comparing rates easy, but the time required to go to each company’s website and repetitively complete many quote forms is a waste of time. But it’s also necessary to do this if you want to find a lower rate.

The preferred way to lower your auto insurance bill uses one simple form to get prices from a lot of companies. The form is fast, reduces the work, and makes price shopping online much more efficient. As soon as the form is sent, it is quoted and you can select any of the price quotes you receive.

If a lower price is quoted, you can simply submit the application and purchase coverage. The entire process just takes a couple of minutes and may save quite a bit of money.

To save time and fill out one form to compare multiple rates now, simply click here to open in new window and fill out the form. If you have your current policy handy, we recommend you complete the form with your coverages as close as possible to your current policy. This way, you will receive rate quotes for similar coverage.

Buyer beware of car insurance advertising tricks

Drivers constantly see and hear ads for car insurance savings by State Farm, Allstate and Geico. All the companies try to convey promises that drivers will save a bundle after switching your coverage to them.

It sounds good, but how can they all cost less than your current company? It’s all in the words they use.

Many companies are able to cherry pick for a prospective insured that will be a good risk. For instance, this type of driver might be described as between the ages of 40 and 55, is a homeowner, and drives a lower-performance vehicle. Anybody who matches those parameters will probably get cheap auto insurance rates and most likely will save money with a new company.

Potential insureds who fall short of the “perfect” profile will have to pay higher premium rates which results in the customer not purchasing. The ad wording is “people that switch” but not “all drivers who get quotes” save that kind of money. That’s the way companies can truthfully make it sound like they have such great premium rates.

This really drives home the point why you should get price quotes at each policy renewal. Because without a comparison, you cannot know which car insurance company will be your best fit.

Drivers can save with these premium-slashing discounts

Buying insurance coverage is not cheap, but you can get discounts to help bring down the price. Some discounts will apply at the time of purchase, but less common discounts must be specially asked for before you will receive the discount.

• Savings for New Vehicles – Buying a new car model may earn a small discount because new model year vehicles have to meet stringent safety requirements.
• Life Insurance – Some insurance carriers give a discount if you purchase some life insurance too.
• Multiple Vehicles – Purchasing coverage when you have all your vehicles with the same company can reduce rates for all insured vehicles.
• Good Students Pay Less – Getting good grades can earn a discount of 20% or more. You can use this discount normally up to age 25.
• Government Employees – Employees or retirees of the government may qualify for a discount when you quote insurance on 240SX coverage depending on your insurance coverage provider.
• Air Bags and Passive Restraints – Factory air bags or motorized seat belts can get savings of 20% or more.
• Drive Less and Save – Low mileage vehicles could qualify for substantially lower insurance coveragerates.

As is typical with insurance, many deductions do not apply to the entire policy premium. Most only reduce individual premiums such as collision or personal injury protection. Just because it seems like all the discounts add up to a free policy, insurance companies wouldn’t stay in business.

Companies that may offer many of the previously listed discounts may include but are not limited to:

• State Farm
• Geico
• Progressive
• 21st Century
• American Family
• The Hartford
• AAA

If you need lower rates, check with every company to apply every possible discount. Depending on the company, some discounts may not apply to policies in your state. To view providers that can offer you the previously mentioned discounts, click here.

Do I need special coverages?

When it comes to buying coverage for your vehicles, there is no perfect coverage plan. Coverage needs to be tailored to your specific needs.

These are some specific questions could help you determine if your insurance needs might need professional guidance.

• Should I buy full coverage?
• Is other people’s property covered if stolen from my vehicle?
• Does insurance cover damages from a DUI accident?
• What are the financial responsibility laws in my state?
• Do I pay less if my vehicle is kept in my garage?
• Why am I required to buy liability insurance?
• Is a fancy paint job covered?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to a licensed insurance agent. If you don’t have a local agent, fill out this quick form. It only takes a few minutes and may give you better protection.

Information about specific coverages

Understanding the coverages of car insurance helps when choosing the best coverages and proper limits and deductibles. Policy terminology can be confusing and reading a policy is terribly boring.

Medical expense insurance

Coverage for medical payments and/or PIP provide coverage for immediate expenses like hospital visits, doctor visits and chiropractic care. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers you and your occupants as well as any family member struck as a pedestrian. PIP is only offered in select states and may carry a deductible

Comprehensive (Other than Collision)

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as vandalism, theft and hitting a bird. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability car insurance

This can cover damage that occurs to a person or their property that is your fault. This insurance protects YOU against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 50/100/50 that means you have a limit of $50,000 per injured person, a limit of $100,000 in injury protection 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 with no separate limits for injury or property damage.

Liability coverage pays for things such as court costs, repair costs for stationary objects and bail bonds. How much liability coverage do you need? That is a personal decision, but consider buying as much as you can afford.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants and also any damage incurred to your 1998 Nissan 240SX.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Auto collision coverage

This coverage pays to fix your vehicle from damage resulting from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as driving through your garage door, hitting a mailbox and crashing into a building. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to bring the cost down.

One last thing

We covered some good ideas how you can compare 1998 Nissan 240SX insurance car insurance rates online. It’s most important to understand that the more price quotes you have, the higher your chance of finding cheap insurance. Drivers may discover the lowest car insurance rates are with the least-expected company.

When getting insurance quotes online, don’t be tempted to reduce coverage to reduce premium. In many instances, an accident victim reduced full coverage only to discover later that the few dollars in savings costed them thousands. Your goal is to purchase a proper amount of coverage at an affordable rate.

Cost effective 1998 Nissan 240SX insurance can be sourced both online in addition to local insurance agencies, so you should compare both to have the best chance of lowering rates. Some insurance coverage companies may not provide rate quotes online and usually these smaller providers prefer to sell through independent insurance agents.

Additional information

• Uninsured Motorist Statistics (Insurance Information Insitute)
• Airbag FAQ (iihs.org)
• Anti-Lock Brake FAQ (iihs.org)
• What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)