Cheap 1990 Nissan Stanza Insurance Cost

Shopping for affordable auto insurance might appear intimidating for people who are beginners to quoting and buying their auto insurance online. With such a large number of online companies available, how can drivers have time to compare them all to find the best available price?

Cheap auto insurance

Shopping for lower auto insurance rates is a ton of work if you aren’t aware of the most efficient way. You could spend the better part of a day driving to agents in your area, or you could save time and use online quoting to accomplish the same thing much quicker.

All the larger companies belong to a marketplace where prospective buyers submit one quote, and each participating company then gives them pricing based on that information. This saves time by eliminating form submissions for each company you want a rate for. To find out how much you can save on auto insurance click here (opens in new window).

The one downside to using this type of form is that you can’t choose which insurance companies you want pricing from. So if you prefer to choose individual companies to receive pricing from, we have assembled a list of low cost auto insurance companies in your area. View list of insurance companies.

It doesn’t matter which method you choose, just be sure to compare nearly identical coverages and limits for every quote you compare. If you compare different limits and deductibles on each one it will be impossible to find the best deal for your Nissan Stanza. Even a minor difference in limits may result in large price differences. And when price shopping your coverage, comparing all the rates in your area will increase your chances of finding the best rates. Some insurance companies are not set up to provide online rate quotes, so it’s important to also get price estimates from the smaller companies as well.

Discounts for lower-cost insurance rates

Insuring your vehicles can cost a lot, but you might be missing out on some discounts that can drop the cost substantially. Most are applied when you quote, but less common discounts must be specially asked for prior to receiving the credit.

  • Driver Training Discounts – Passing a defensive driver course could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Homeowners Savings – Being a homeowner can save you money because it requires personal responsibility.
  • Club Memberships – Participating in qualifying clubs or civic groups is a simple method to lower premiums when shopping for insurance.
  • Federal Employees – Active or former government employment could provide a small rate reduction on Stanza insurance depending on your insurance provider.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to use their safety belts could cut 10% or more on the premium charged for medical payments and/or PIP.
  • Accident-Free Discounts – Claim-free drivers can save substantially as opposed to accident-prone drivers.
  • Military Deployment Discount – Being on active deployment in the military could be rewarded with lower premium rates.
  • Mature Driver Discount – If you’re over the age of 55, you may be able to get better insurance rates on Stanza insurance.
  • Anti-lock Brakes – Cars with ABS and/or traction control can stop better under adverse conditions so companies give up to a 10% discount.
  • Buy New and Save – Buying a new car model may earn a small discount because newer vehicles are generally safer.

One thing to note about discounts is that most credits do not apply to the entire policy premium. Most cut the price of certain insurance coverages like liability, collision or medical payments. Despite the appearance that having all the discounts means you get insurance for free, it just doesn’t work that way.

Companies that may offer some of the above discounts possibly include:

If you want inexpensive insurance quotes, ask each insurance company which discounts they offer. Discounts might not be offered in your area. To find companies with the best discounts, follow this link.

Tailor your insurance coverage coverage to you

When it comes to buying coverage, there really is not a cookie cutter policy. Everyone’s needs are different.

For instance, these questions might help in determining if you will benefit from professional help.

  • Do I need an umbrella policy?
  • Does my medical payments coverage pay my health insurance deductible?
  • What exactly is covered by my policy?
  • Do I need rental car coverage?
  • Do I need to file an SR-22 for a DUI in my state?
  • Do I need PIP coverage since I have good health insurance?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Is my teen driver covered when they drive my company car?
  • Can I get a multi-policy discount for packaging my home and auto coverage?

If you’re not sure about those questions but you know they apply to you, you may need to chat with an insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Car insurance coverage breakdown

Having a good grasp of car insurance helps when choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

Auto liability insurance

Liability insurance can cover injuries or damage you cause to other people or property by causing an accident. It protects you against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 50/100/50 which stand for a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as pain and suffering, structural damage, repair bills for other people’s vehicles, court costs and attorney fees. The amount of liability coverage you purchase is a decision to put some thought into, but buy higher limits if possible.

Comprehensive insurance

This pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like a broken windshield, damage from getting keyed, theft and hitting a bird. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Collision insurance

This pays to fix your vehicle from damage from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like colliding with another moving vehicle, scraping a guard rail, crashing into a ditch and sideswiping another vehicle. This coverage can be expensive, so you might think about dropping it from older vehicles. Another option is to increase the deductible to bring the cost down.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and also any damage incurred to your Nissan Stanza.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance pay for bills like nursing services, hospital visits, chiropractic care and surgery. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants in addition to any family member struck as a pedestrian. PIP is not universally available but can be used in place of medical payments coverage