1991 Nissan 240SX Car Insurance Cost

Looking for lower auto insurance rates for your Nissan 240SX? Did you fall for a flashy sales pitch and buy high-priced auto insurance? Trust us, there are lots of people in the same boat. You have multiple insurance companies to pick from, and although it’s nice to have multiple companies, so many choices can make it hard to find the lowest rates.

You need to take a look at other company’s rates every six months since insurance rates fluctuate regularly. Even if you think you had the best rates for 240SX coverage a couple years back a different company probably has better rates today. You can find a lot of misleading information regarding auto insurance online, so we’re going to give you the easiest ways to stop overpaying for insurance.

Finding affordable coverage is not rocket science. If you currently have a car insurance policy, you stand a good chance to be able to lower your premiums substantially using this strategy. Consumers only need to know the most efficient way to buy insurance coverage on the web.

The quickest method to compare insurance rates in your area is to take advantage of the fact most insurance companies participate in online systems to compare their rates. To start a quote, the only thing you need to do is provide details including level of coverage desired, whether your vehicle is owned or leased, your general credit rating, and what you do for a living. The rating information is instantly submitted to all major companies and you should receive rate quotes instantly.

To start a quote now, click here and see if a lower rate is available.

Pay less by taking advantage of discounts

Companies don’t necessarily list every discount very clearly, so we researched both the well known and the more hidden discounts you could be receiving. If you’re not getting every credit you qualify for, you’re just leaving money on the table.

  • Driver Safety – Successfully completing a driver safety course could save 5% or more if your company offers it.
  • Passive Restraint Discount – Vehicles equipped with air bags and/or automatic seat belt systems can qualify for discounts up to 30%.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles prevent accidents and earn discounts up to 10%.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to wear their seat belts can save 10% or more off the personal injury premium cost.
  • Government Employees – Being employed by or retired from a federal job could cut as much as 10% off for 240SX coverage with select insurance companies.
  • Drive Less and Save – Low mileage vehicles could qualify for lower rates on the low mileage vehicles.
  • Payment Method – If you pay your bill all at once instead of paying each month you may reduce your total bill.
  • Resident Student – Children living away from home attending college without a vehicle on campus may qualify for this discount.
  • Drivers Education – Have your child enroll in driver’s education in high school.

Drivers should understand that many deductions do not apply to your bottom line cost. A few only apply to the cost of specific coverages such as comp or med pay. Just because it seems like you can get free auto insurance, it just doesn’t work that way.

To see a list of companies with discount car insurance rates, follow this link.

Your coverage should be tailored to you

When buying adequate coverage, there is no “best” method to buy coverage. Your needs are not the same as everyone else’s so your insurance needs to address that. Here are some questions about coverages that can aid in determining if your situation will benefit from professional help.

  • Should I buy additional glass protection?
  • Does having multiple vehicles earn me a discount?
  • What is roadside assistance coverage?
  • Do I need higher collision deductibles?
  • Do all my vehicles need collision coverage?
  • Is my nanny covered when driving my vehicle?
  • Can my teen driver be rated on a liability-only vehicle?
  • Am I covered if I crash into my own garage door?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It is quick, free and can help protect your family.

Specific coverages for a 1991 Nissan 240SX

Understanding the coverages of auto insurance helps when choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. These are the normal coverages found on the average auto insurance policy.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP reimburse you for bills for things like chiropractic care, doctor visits and ambulance fees. The coverages can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Nissan 240SX.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Comprehensive insurance

This coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like falling objects, vandalism, hail damage, hitting a bird and damage from flooding. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for collisions

This covers damage to your 240SX resulting from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things like sustaining damage from a pot hole, crashing into a building, colliding with another moving vehicle and hitting a mailbox. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. You can also raise the deductible to get cheaper collision coverage.

Liability

Liability coverage will cover injuries or damage you cause to people or other property by causing an accident. This coverage protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for claims such as pain and suffering, attorney fees, legal defense fees, bail bonds and medical services. How much liability should you purchase? That is a decision to put some thought into, but you should buy higher limits if possible.

Shop smart and save

In this article, we covered some good ideas how to shop for 1991 Nissan 240SX insurance online. It’s most important to understand that the more providers you compare, the better chance you’ll have of finding lower rates. You may even find the lowest rates come from some of the lesser-known companies. These companies often have lower prices on specific markets as compared to the big name companies such as Allstate and Progressive.

When buying insurance coverage, don’t be tempted to reduce coverage to reduce premium. In many instances, consumers will sacrifice full coverage only to regret at claim time that the few dollars in savings costed them thousands. Your aim should be to purchase a proper amount of coverage at a price you can afford, not the least amount of coverage.

More detailed insurance coverage information can be found by following these links: