1991 Nissan 240SX Insurance Cost

Searching for the cheapest auto insurance rates? Consumers have options when looking for the lowest priced Nissan 240SX insurance. They can either waste time calling around to compare prices or leverage the internet to make rate comparisons.

There are more efficient ways to find auto insurance online so you’re going to learn the proper way to price shop coverage for a new or used Nissan and get the best price possible from both online companies and local agents.

It’s a good habit to compare prices every six months because auto insurance rates are constantly changing. Just because you found the best rate for 240SX insurance a year ago a different company probably has better prices today. You can find a lot of information about auto insurance on the internet, but we’re going to give you some proven techniques to buy auto insurance cheaper.

Buy insurance online

The majority of larger companies make it easy to get coverage price quotes directly from their websites. This process is pretty painless because it’s just a matter of typing in the coverages you want into the form. When the form is submitted, the quote system will order your credit score and driving record and generates a price based on these factors.

Online quotes makes it a lot easier to compare rates but having to visit each company’s website and repetitively complete many quote forms can get tiresome after awhile. But it’s necessary to have as many quotes as possible if you are searching for a lower rate.

The smarter way to find cheaper rates is to use a quote form to obtain quotes from more than one company. This type of form saves time, eliminates form submissions, and makes online quotes much easier to do. After your information is entered, it gets priced and you can choose your choice of the returned quotes.

If the quotes result in lower rates, you can simply submit the application and purchase the new policy. This process only takes a few minutes and can result in significant savings.

In order to use this form to compare rates, click here to open in new window and begin entering your coverage information. If you have your current policy handy, we recommend you type in coverages and limits identical to your current policy. Doing this assures you’re receiving an apples-to-apples comparison for exact coverage.

Insurance policy discounts

Insuring your fleet can be pricey, but there could be available discounts to help offset the cost. A few discounts will automatically apply when you purchase, but some discounts are required to be asked for before they will apply. If you check and find you aren’t receiving every discount possible, you could be paying more than you need to.

  • Multi-Vehicle Discounts – Buying coverage for multiple cars on one policy can reduce the rates for all insured vehicles.
  • Low Mileage Discounts – Fewer annual miles on your Nissan could be rewarded with cheaper insurancerates.
  • Early Switch Discount – Select insurance companies give a discount for switching policies before your current coverage expires. You may see this discount when you get insurance quotes online.
  • Multi-policy Discount – When you have multiple policies with one company you may earn up to 20% and get you the cheapest insurance.
  • Senior Discount – Seniors may receive a small decrease in premiums for 240SX insurance.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class as it can save substantially.
  • Lower Rates for Military – Being on active deployment in the military may qualify for rate reductions.
  • Paper-free Discount – A few insurance companies will give you a small discount for buying a policy and signing up over the internet.
  • Accident Free – Good drivers with no accidents can earn big discounts in comparison to frequent claim filers.

As a footnote on discounts, some credits don’t apply to the entire cost. Some only reduce specific coverage prices like comp or med pay. Despite the fact that it seems like all the discounts add up to a free policy, it just doesn’t work that way.

A partial list of companies who might offer these discounts possibly include:

Check with all companies you are considering which credits you are entitled to. Some credits might not apply in your area. For a list of companies that offer many of these discounts, click this link.

How do I know if I need professional advice?

When it comes to choosing coverage, there is no “perfect” insurance plan. Each situation is unique.

For instance, these questions may help you determine whether you could use an agent’s help.

  • Is my Nissan 240SX covered if I use it for business?
  • Will my rates increase for filing one claim?
  • Can my babysitter drive my car?
  • Am I covered when driving in Canada or Mexico?
  • When does my teenage driver need to be added to my policy?
  • Does my policy cover my teen driver if they drive my company car?
  • When should I drop full coverage on my 1991 Nissan 240SX?
  • What can I do if my company denied a claim?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to an insurance agent. If you don’t have a local agent, take a second and complete this form. It only takes a few minutes and can help protect your family.

Car insurance coverages for a Nissan 240SX

Learning about specific coverages of a auto insurance policy can help you determine the best coverages and the correct deductibles and limits. Auto insurance terms can be confusing and reading a policy is terribly boring.

Comprehensive insurance – Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like a broken windshield, falling objects and rock chips in glass. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance pay for bills such as prosthetic devices, chiropractic care and ambulance fees. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Collision coverage – This coverage covers damage to your 240SX resulting from a collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like rolling your car, scraping a guard rail and colliding with a tree. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Another option is to bump up the deductible to bring the cost down.

Auto liability – Liability coverage provides protection from damage that occurs to people or other property by causing an accident. It protects you from claims by other people, and does not provide coverage for damage to your own property or vehicle.

It consists of 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 $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers things such as repair costs for stationary objects, pain and suffering, funeral expenses and structural damage. How much liability coverage do you need? That is a personal decision, but you should buy higher limits if possible.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your Nissan 240SX.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently the UM/UIM limits do not exceed the liability coverage limits.