Cheaper 1995 Nissan 200SX Car Insurance Quotes

Looking for cheaper car insurance rates for your Nissan 200SX? I can’t think of a single person who looks forward to paying for car insurance, in particular when their premiums are too high. Online insurance companies like State Farm, Geico and Farmers Insurance all claim big savings with advertising and it is difficult to separate fact from fiction and take the time to shop coverage around.

If you have a policy now or need new coverage, you can use this information to find better prices and possibly find even better coverage. Buying car insurance is quite easy. Vehicle owners just need to learn the most effective way to get comparison rates over the internet.

Comparison of Auto Insurance

Finding a better price on auto insurance can be quick and easy. All you need to do is take time to compare quotes provided by online insurance companies. This can be done in just a few minutes using one of these methods.

  1. The recommended way to find low rates is a comparison rater form (click to open form in new window). This easy form prevents you from having to do repetitive form entry for each company you want a rate for. One simple form will get you price quotes from auto insurance companies with the best prices.
  2. A more difficult way to get quotes online is to manually visit each company’s website and fill out their own quote form. For example, let’s say you want rates from Nationwide, Allstate and Travelers. To get rate quotes you would need to spend time on each company’s site to enter your coverage information, which is why the first method is quicker.

    For a list of links to companies insuring cars in your area, click here.

  3. The hardest method to compare rates is driving to and from local insurance agencies. The ability to buy insurance online eliminates the need for an insurance agent unless you have a need for the professional guidance that only a license agent can provide. Drivers can comparison shop online and get advice from an agent in your area and we’ll cover that in a bit.

However you get your quotes, make sure you use the exact same coverages and limits with every price quote. If you have different liability limits you can’t possibly make a fair comparison for your Nissan 200SX.

Do I need special coverages?

When buying proper insurance coverage for your personal vehicles, there really is no “best” method to buy coverage. Your needs are not the same as everyone else’s so this has to be addressed. For example, these questions might help in determining whether you may require specific advice.

  • Does medical payments coverage apply to all occupants?
  • What can I do if my company denied a claim?
  • Is upholstery damage covered by car insurance?
  • Can I still get insurance after a DUI?
  • Is motorclub coverage worth it?
  • Should I have a commercial auto policy?
  • When should I not file a claim?
  • Will my vehicle be repaired with OEM or aftermarket parts?

If you’re not sure about those questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can help protect your family.

Auto insurance specifics

Understanding the coverages of a auto insurance policy can help you determine the right coverages for your vehicles. Policy terminology can be confusing and reading a policy is terribly boring. Shown next are the normal coverages found on most auto insurance policies.

Comprehensive coverage (or Other than Collision)

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 claims such as damage from flooding, a tree branch falling on your vehicle and rock chips in glass. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your 1995 Nissan 200SX.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Collision insurance

Collision insurance covers damage to your 200SX resulting from a collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as sustaining damage from a pot hole, crashing into a building, scraping a guard rail and hitting a parking meter. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible in order to get cheaper collision rates.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for expenses for things like doctor visits, hospital visits and nursing services. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability

Liability coverage will cover damage or injury you incur to other people or property by causing an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 25/50/25 which means 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 insurance covers claims like pain and suffering, repair bills for other people’s vehicles and loss of income. How much coverage you buy is up to you, but buy higher limits if possible.