Cheap 1997 Nissan 240SX Insurance Cost

Are you sick and tired of paying out the nose to buy car insurance? Your situation is no different than millions of other consumers.

Consumers have many insurers to insure vehicles with, and although it’s a good thing to have a choice, it makes it harder to locate the cheapest rates.

Finding the best rates is easy if you know what you’re doing. If you are paying for car insurance now, you should be able to reduce your rates substantially using this strategy. But vehicle owners can benefit from knowing how insurance companies price online insurance and apply this information to your search.

Do you qualify for discounts?

Auto insurance companies do not advertise every discount very well, so the following is a list of both well-publicized and the more hidden savings tricks you should be using.

  • Discount for New Cars – Insuring a new car is cheaper due to better safety requirements for new cars.
  • Safe Driver Discount – Drivers who avoid accidents may save up to 50% more for 240SX insurance than less cautious drivers.
  • Payment Method – By paying your policy upfront instead of paying each month you may reduce your total bill.
  • Passive Restraints – Factory air bags and/or automatic seat belt systems can get savings up to 30%.
  • Senior Citizens – Mature drivers may be able to get better auto insurance rates for 240SX insurance.
  • College Student – Any of your kids living away from home attending college and don’t have a car can receive lower rates.

Keep in mind that most of the big mark downs will not be given to all coverage premiums. Most only cut specific coverage prices like comp or med pay. So when it seems like all the discounts add up to a free policy, you won’t be that lucky.

To see a list of companies with the best auto insurance discounts, click this link.

Don’t assume everyone needs the same coverage

When choosing coverage for your vehicles, there really is not a best way to insure your cars. Everyone’s situation is unique so your insurance needs to address that. These are some specific questions may help you determine if your insurance needs would benefit from professional advice.

  • Is my ex-spouse still covered by my policy?
  • Is my cargo covered for damage or theft?
  • How many claims can I have before being cancelled?
  • Does my 1997 Nissan 240SX qualify for pleasure use?
  • Is my nanny covered when driving my vehicle?
  • Does my insurance cover a custom paint job?
  • How high should my medical payments coverage be?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an agent. To find an agent in your area, complete this form or click here for a list of auto insurance companies in your area.

Car insurance coverages and their meanings

Having a good grasp of your car insurance policy aids in choosing which coverages you need for your vehicles. Policy terminology can be difficult to understand and coverage can change by endorsement. Shown next are typical coverage types available from car insurance companies.

Uninsured or underinsured coverage

This provides protection when other motorists are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your 1997 Nissan 240SX.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Comprehensive protection

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as vandalism, falling objects, damage from getting keyed, hail damage and a tree branch falling on your vehicle. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical expense coverage

Coverage for medical payments and/or PIP reimburse you for bills for things like EMT expenses, hospital visits and chiropractic care. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision coverage protection

Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as driving through your garage door, damaging your car on a curb, hitting a mailbox and colliding with another moving vehicle. This coverage can be expensive, so consider removing coverage from vehicles that are older. Another option is to increase the deductible to save money on collision insurance.

Liability auto insurance

This coverage will cover damages or injuries you inflict on a person or their property that is your fault. It protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 50/100/50 that translate to a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability can pay for things such as loss of income, court costs and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a personal decision, but consider buying higher limits if possible.

Quote more. Save more.

When buying insurance coverage, never skimp on coverage in order to save money. In too many instances, an accident victim reduced comprehensive coverage or liability limits only to regret at claim time they didn’t have enough coverage. Your aim should be to find the BEST coverage for the lowest price while not skimping on critical coverages.

Throughout this article, we presented many ways to shop for 1997 Nissan 240SX insurance online. The most important thing to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. Drivers may discover the best price on auto insurance is with an unexpected company. These smaller insurers may only write in your state and offer lower rates compared to the large companies like State Farm or Progressive.

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