1991 Nissan Stanza Insurance Rates

Searching for cheaper insurance coverage rates for your Nissan Stanza? I can’t think of a single person who cherishes buying insurance coverage, especially knowing they are paying too much.

Many insurance companies vie for your business, and because of this it can be hard to compare auto insurance companies to discover the definitive cheapest price

You should make it a habit to take a look at other company’s rates yearly because rates go up and down regularly. Even if you think you had the best deal for Stanza coverage a year ago you can probably find a lower rate today. So just block out anything you think you know about insurance coverage because I’m going to teach you the proper way to find lower rates on insurance coverage.

Are you getting all your discounts?

Insurance can be prohibitively expensive, but you may find discounts to cut the cost considerably. A few discounts will automatically apply when you quote, but some may not be applied and must be manually applied prior to receiving the credit.

  • Clubs and Organizations – Being a member of certain professional organizations may earn a discount when buying car insurance for Stanza coverage.
  • Senior Citizens – If you’re over the age of 55, you may be able to get better car insurance rates for Stanza coverage.
  • Accident Free – Claim-free drivers pay much less when compared with accident-prone drivers.
  • Good Students Pay Less – Getting good grades can earn a discount of 20% or more. Earning this discount can benefit you up to age 25.
  • Student in College – Any of your kids who are attending college and don’t have a car may qualify for this discount.
  • Bundle and Save – When you have multiple policies with the same company you may save up to 20% off your total premium.

As a disclaimer on discounts, most discounts do not apply the the whole policy. Most cut the cost of specific coverages such as comprehensive or collision. So when the math indicates you could get a free car insurance policy, you won’t be that lucky. But all discounts will cut your overall premium however.

For a list of insurers who offer car insurance discounts, follow this link.

Insurance Comparison Rates

When shopping for insurance there are multiple ways to compare rate quotes and find the best price. The easiest way to compare 1991 Nissan Stanza insurance prices is simply to get online rate quotes. This can be done in just a few minutes using one of these methods.

  1. One of the best ways to get the best comparison quotes is a comparison rater form (click to open form in new window). This method saves time by eliminating separate forms for each company. A single form will get you rate comparisons instantly.
  2. Another way to get comparison quotes requires a trip to each company’s website to complete a price quote. For example, let’s say you want to compare Auto-Owners, Progressive and American Family. To get each rate you have to spend time on each company’s site to input your insurance information, which is why the first method is quicker. For a list of links to companies insuring cars in your area, click here.

Which method you use is up to you, but make absolute certain that you use apples-to-apples information with each company. If you compare mixed coverages it’s not possible to determine the best price for your Nissan Stanza. Having just a slight variation in coverage limits may cause a big price difference. Just keep in mind that obtaining a wide range of quotes provides better odds of finding the best offered rates.

Nissan Stanza insurance premiums are calculated by many factors

Consumers need to have an understanding of the rating factors that help determine car insurance rates. When you know what positively or negatively determines base rates helps enable you to make changes that may reward you with lower car insurance prices.

  • Lower rates come with age – Mature drivers are more cautious drivers, tend to cause fewer accidents and are safer drivers. Teen drivers are known to be careless and easily distracted in a vehicle and because of this, their car insurance rates are much higher.
  • Don’t cancel a policy without a new one in place – Letting your insurance expire will be a sure-fire way to trigger a rate increase. And not only will insurance be more expensive, failure to provide proof of insurance might get you a license revocation or jail time.You may then be required to submit proof of financial responsibility or a SR-22 with your state motor vehicle department to get your license reinstated.
  • Occupation reflects on rates – Did you know your occupation can influence how much you pay for car insurance? Jobs such as judges, business owners and financial analysts have higher average rates in part from stressful work requirements and lengthy work days. Conversely, occupations such as scientists, engineers and homemakers get better rates for Stanza coverage.
  • Pleasure use saves money – The more miles you rack up on your Nissan each year the higher your rates will be. Most companies apply a rate based on how the vehicle is used. Cars that are left in the garage qualify for better rates than vehicles that are driven to work every day. Having the wrong rating on your Stanza can cost quite a bit. Verify your car insurance policy properly reflects how each vehicle is driven.
  • Equipment add-ons that lower car insurance rates – Purchasing a vehicle that has an advanced theft prevention system can help lower your rates. Theft prevention features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping auto theft.
  • Sex matters – Statistics show that women are safer drivers than men. However, this does not mean women are BETTER drivers than men. Both sexes have accidents in similar percentages, but the males have costlier accidents. They also get more serious tickets like DUI and reckless driving. Male drivers age 16 to 19 are most likely to cause an accident and thus pay the highest rates.
  • Don’t buy coverages you don’t need – There are many add-on coverages you can purchase on your car insurance policy. Insurance for personal injury protection, better glass coverage and membership fees may be wasting your money. These coverages may sound good when you first buy your policy, but your needs may have changed so eliminate the coverages to reduce your premium.
  • Keep rates low by being claim-free – If you tend to file frequent claims, you can look forward to higher rates. Insurance companies give lower rates to people who do not rely on their insurance for small claims. Insurance coverage is intended for larger claims.

Tailor your coverage to you

When it comes to choosing coverage for your personal vehicles, there is no one size fits all plan. Every insured’s situation is different so your insurance needs to address that. For example, these questions can help discover if your situation might need an agent’s assistance.

  • I have good health insurance, so how much medical payments coverage do I need?
  • Is my Nissan Stanza covered if I use it for business?
  • Should I put collision coverage on all my vehicles?
  • Should I drop comprehensive coverage on older vehicles?
  • Which is better, split liability limits or combined limits?
  • Should I file a claim if it’s only slightly more than my deductible?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier

Insurance policy coverages for a 1991 Nissan Stanza

Having a good grasp of a insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. The terms used in a policy can be ambiguous and coverage can change by endorsement. These are typical coverage types offered by insurance companies.

Collision coverage

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

Collision insurance covers claims such as sustaining damage from a pot hole, colliding with another moving vehicle and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. You can also raise the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Nissan Stanza.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive coverage

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as damage from getting keyed, vandalism and a tree branch falling on your vehicle. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP kick in for immediate expenses such as EMT expenses, nursing services, surgery, dental work and X-ray expenses. They can be used in conjunction with a health insurance program or if you do not have health coverage. It covers you and your occupants as well as getting struck while a pedestrian. PIP coverage is not universally available and may carry a deductible

Liability insurance

This coverage provides protection from injuries or damage you cause to a person or their property. This coverage protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against claims such as legal defense fees, structural damage, medical expenses, court costs and funeral expenses. How much liability should you purchase? That is up to you, but consider buying higher limits if possible.

Take this to the bank

In this article, we presented many tips how you can lower your 1991 Nissan Stanza insurance rates. It’s most important to understand that the more price quotes you have, the better your chances of lowering your rates. Consumers may even find the lowest rates come from a smaller regional carrier. These companies can often provide lower rates in certain areas than their larger competitors like Allstate, Geico and Progressive.

Low-cost insurance can be purchased online and with local insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. A few companies do not offer the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

Additional information can be found on the following sites: