View 1991 Nissan Stanza Insurance Quotes

Pricey car insurance can drain your savings and force you to cut corners elsewhere. Comparison shopping is a great way to make ends meet.

Companies like Progressive, State Farm and Geico continually hit you with TV and radio ads and it can be hard to ignore the flying pigs and cute green geckos and effectively compare rates to find the best deal.

If you currently have car insurance, you will most likely be able to reduce your rates substantially using these techniques. Finding affordable coverage is quite easy. Although car owners do need to know how companies compete online and take advantage of how the system works.

Don’t overlook these car insurance discounts

Car insurance is expensive, but there may be some discounts that may help make it more affordable. Larger premium reductions will be automatically applied when you quote, but a few must be asked for prior to receiving the credit. If you check and find you aren’t receiving every discount you deserve, you are paying more than you should be.

  • Accident Free – Drivers who don’t have accidents can earn big discounts in comparison to insureds who have frequent claims or accidents.
  • Bundled Policy Discount – If you can bundle your auto and homeowners insurance and place coverage with the same company they may give you a discount of up to 20% off your total premium.
  • One Accident Forgiven – Not necessarily a discount, but a handful of insurance companies will let one accident slide without getting socked with a rate hike so long as you are claim-free for a specific time period.
  • Onboard Data Collection – Insureds who allow driving data collection to scrutinize when and where they use their vehicle by installing a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system might see lower rates as long as the data is positive.
  • Auto/Life Discount – Larger car insurance companies have a lower car insurance rate if you buy a life insurance policy as well.

A little note about advertised discounts, some credits don’t apply to your bottom line cost. Some only apply to the price of certain insurance coverages like comp or med pay. Just because it seems like you would end up receiving a 100% discount, it’s just not the way it works.

A list of car insurance companies and the discounts they provide are shown below.

  • Farm Bureau has savings for driver training, 55 and retired, safe driver, youthful driver, renewal discount, and multi-policy.
  • MetLife may have discounts that include defensive driver, good driver, accident-free, multi-policy, claim-free, and good student.
  • Progressive includes discounts for homeowner, multi-vehicle, online signing, online quote discount, good student, multi-policy, and continuous coverage.
  • AAA may include discounts for good student, multi-car, multi-policy, education and occupation, and good driver.
  • American Family discounts include multi-vehicle, accident-free, mySafetyValet, good student, TimeAway discount, and good driver.
  • Geico offers discounts for good student, air bags, daytime running lights, military active duty, anti-lock brakes, and anti-theft.
  • State Farm may offer discounts for Drive Safe & Save, anti-theft, driver’s education, good student, multiple autos, and safe vehicle.

When comparing rates, check with every prospective company to apply every possible discount. Depending on the company, some discounts might not be offered everywhere. To see providers with the best car insurance discounts, click this link.

When to get professional advice

When choosing adequate coverage, there really is no perfect coverage plan. Every situation is different so your insurance should reflect that Here are some questions about coverages that may help you determine if your insurance needs will benefit from professional help.

  • Am I getting all the discounts available?
  • Do I have coverage when using my vehicle for my home business?
  • If my 1991 Nissan Stanza is totaled, can I afford another vehicle?
  • Do I need more liability coverage?
  • Can I afford low physical damage deductibles?
  • How many claims can I have before being cancelled?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Should I drop comprehensive coverage on older vehicles?
  • What if I owe more than I can insure my car for?
  • Is my teenager covered with friends in the car?

If you can’t answer these questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Buyer beware of insurance advertising tricks

Respected companies like State Farm and Allstate constantly bombard you with television and radio advertisements. They all advertise the message about savings if you get a free insurance coverage quote and switch your insurance policy to them. How does every company charge you a lower premium?

All the different companies look for specific characteristics for the type of customer that earns them the highest profit. For instance, this type of risk profile could be a married male, has no tickets, and has a high credit rating. A customer who fits that profile gets the lowest car insurance rates and is almost guaranteed to save when switching.

Potential insureds who don’t qualify for those criteria will probably have to pay more expensive rates which translates to the customer not purchasing. Company advertisements say “customers who switch” but not “everyone who gets a quote” save the amount stated. That’s why insurance companies can confidently claim big savings.

This really illustrates why you really need to compare free insurance coverage quotes often. It’s impossible to know the company that will provide the lowest car insurance rates.

Car insurance coverage information

Knowing the specifics of your policy aids in choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. These are typical coverage types available from auto insurance companies.

Auto liability

This coverage will cover damage that occurs to people or other property in an accident. It protects you from claims by other people. It does not cover 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. Your policy might show limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against things such as medical expenses, repair costs for stationary objects, court costs, emergency aid and bail bonds. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Coverage for medical expenses

Med pay and PIP coverage provide coverage for bills for EMT expenses, doctor visits, nursing services and hospital visits. They are used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. They cover you and your occupants in addition to any family member struck as a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive auto insurance

This coverage covers damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like vandalism, a broken windshield and theft. The highest amount your auto insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for collisions

This coverage pays to fix your vehicle from damage resulting from a collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like colliding with a tree, crashing into a building, damaging your car on a curb and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. It’s also possible to raise the deductible to get cheaper collision coverage.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family as well as damage to your Nissan Stanza.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently these coverages do not exceed the liability coverage limits.

A penny saved is a penny earned

Cheaper insurance coverage is attainable online and with local insurance agents, so you should be comparing quotes from both to get a complete price analysis. A few companies may not have online quoting and many times these regional carriers work with independent agents.

When getting insurance coverage quotes online, it’s not a good idea to sacrifice coverage to reduce premiums. There are many occasions where an insured dropped collision coverage only to find out that the savings was not a smart move. Your aim should be to get the best coverage possible for the lowest price, not the least amount of coverage.

You just read many ways to compare 1991 Nissan Stanza insurance car insurance rates online. The key thing to remember is the more times you quote, the better chance you’ll have of finding the cheapest insurance coverage. Consumers could even find that the biggest savings come from some of the smallest insurance companies. These companies may often insure only within specific states and give getter rates than their larger competitors like State Farm and Allstate.

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