1998 Nissan 240SX Car Insurance Quotes – 6 Tips to Save

Have you had enough of trying to scrape together enough money to pay your car insurance bill each month? You are in the same boat as the majority of other car owners. Numerous auto insurance companies battle for your business, so it can be very hard to choose a insurance company and uncover the absolute best price available.

If you have a current auto insurance policy or need a new policy, you will benefit by learning to reduce the price you pay while maintaining coverages. Finding affordable coverage is quite easy. Vehicle owners just need to know how to compare rates online.

Cut your premium with these six discounts

Car insurance is not cheap, but you may find discounts that many people don’t even know exist. A few discounts will automatically apply when you quote, but lesser-known reductions have to be inquired about prior to getting the savings. If they aren’t giving you every credit you qualify for, you’re just leaving money on the table.

  • E-sign – Certain companies give back up to $50 simply for signing over the internet.
  • Passive Restraints – Vehicles with factory air bags or automatic seat belts may earn rate discounts of 20% or more.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes prevent accidents and will save you 10% or more.
  • More Vehicles More Savings – Buying coverage for multiple cars or trucks on the same insurance policy could earn a price break for each car.
  • Federal Employees – Being employed by or retired from a federal job can save as much as 8% on 240SX coverage with select insurance companies.
  • Bundle and Save – If you insure your home and vehicles with one company you will save up to 20% off your total premium.

Consumers should know that some credits don’t apply to your bottom line cost. Most only reduce specific coverage prices like collision or personal injury protection. Just because you may think adding up those discounts means a free policy, insurance companies aren’t that generous. But any discount will cut your overall premium however.

A partial list of companies who might offer some of the above discounts are:

Double check with each insurance company which discounts you may be entitled to. Savings may not be available in your area.

Can switching companies really save?

Drivers can’t ignore all the ads for the lowest price auto insurance by companies like 21st Century, Allstate and State Farm. They all make an identical promise that you’ll save big if you change to them.

But how can every company say the same thing?

Insurance companies can use profiling for the driver that is profitable for them. An example of a profitable customer might be between the ages of 30 and 50, is a homeowner, and chooses high deductibles. A driver who matches those parameters will get very good rates and therefore will pay quite a bit less when switching companies.

Potential insureds who do not match the requirements will have to pay more money and ends up with the customer not buying. The ad wording is “customers that switch” not “everybody who quotes” save that kind of money. That’s why insurance companies can confidently claim big savings.

Because of the profiling, you should get quotes from several different companies. It’s not possible to predict the company that will give you the biggest savings on Nissan 240SX insurance.

What is the best insurance coverage?

When choosing the right insurance coverage, there isn’t really a one size fits all plan. Every situation is different so this has to be addressed. For instance, these questions may help highlight whether you will benefit from professional help.

  • Is my custom paint covered by insurance?
  • Is my trailer covered?
  • What is no-fault insurance?
  • Where can I get insurance after a DUI in my state?
  • Am I covered if my car is in a flood?
  • Does my liability insurance cover pulling a trailer or camper?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It is quick, free and can provide invaluable advice.

Educate yourself about insurance coverages

Knowing the specifics of your insurance policy helps when choosing which coverages you need and proper limits and deductibles. Policy terminology can be impossible to understand and coverage can change by endorsement. Shown next are typical coverages available from insurance companies.

Coverage for collisions

Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as crashing into a building, colliding with a tree, backing into a parked car, hitting a parking meter and hitting a mailbox. This coverage can be expensive, so you might think about dropping it from older vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Coverage for uninsured or underinsured drivers

This gives you protection when other motorists 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.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Frequently these coverages are set the same as your liablity limits.

Comprehensive insurance

Comprehensive insurance coverage 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 coverage pays for things such as damage from a tornado or hurricane, a tree branch falling on your vehicle and hail damage. The most your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability

This will cover damage that occurs to a person or their property that is your fault. This coverage protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 100/300/100 which stand for a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for things like repair costs for stationary objects, structural damage and court costs. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance provide coverage for expenses such as pain medications, doctor visits, prosthetic devices and hospital visits. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants in addition to any family member struck as a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

And the best car insurance company is…

As you restructure your insurance plan, it’s a bad idea to reduce coverage to reduce premium. There have been many cases where someone sacrificed full coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. Your focus should be to purchase plenty of coverage at the best price, not the least amount of coverage.

We just presented many ways to get a better price on 1998 Nissan 240SX insurance. The most important thing to understand is the more companies you get rates for, the better your chances of lowering your rates. Consumers could even find that the biggest savings come from some of the lesser-known companies. They may often insure only within specific states and give getter rates compared to the large companies like State Farm, Geico and Nationwide.

Even more information can be found by following these links: