View 1996 Nissan 200SX Insurance Rates

High-priced Nissan 200SX insurance can take a big chunk out of your savings and force you to prioritize other expenses.

Lots of car insurance companies contend for your hard-earned dollar, and because of this it can be hard to compare insurance companies and get the best coverage at the lowest cost out there.

You should take the time to do rate comparisons yearly since prices change regularly. If you had the best rate on 200SX insurance a couple years back the chances are good that you can find a lower premium rate today. Block out anything you think you know about car insurance because you’re about to learn one of the quickest ways to reduce your cost while improving coverage.

Auto insurance policy discounts

Properly insuring your vehicles can get expensive, but you might already qualify for some discounts that could help you make your next renewal payment. Most are applied when you purchase, but less common discounts must be asked for in order for you to get them.

  • Drive Less and Save – Driving fewer miles can qualify you for lower auto insurancerates due to less chance of an accident.
  • Payment Discounts – By paying your entire bill at once instead of paying each month you may have a lower total premium amount.
  • Senior Citizen Rates – Mature drivers may qualify for a small discount on rates on 200SX insurance.
  • Good Student – Performing well in school can be rewarded with saving of up to 25%. Many companies even apply the discount to college students well after school through age 25.
  • Safety Course Discount – Completing a course teaching driver safety skills could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Homeowners Pay Less – Owning a house can help you save on auto insurance because maintaining a house is proof of financial responsibility.
  • More Vehicles More Savings – Insuring all your vehicles with one company qualifies for this discount.
  • Paper-free Discount – Some of the larger companies will discount your bill up to fifty bucks for signing up on the web.
  • Theft Deterent Discount – Vehicles that have factory alarm systems and tracking devices can help prevent theft and can earn a small discount on your policy.

Just know that most discount credits are not given the the whole policy. Most cut specific coverage prices like liability, collision or medical payments. So despite the fact that it appears all the discounts add up to a free policy, that’s just not realistic.

If you would like to see a list of providers who offer free auto insurance quotes, follow this link.

How to lower your insurance cost

The are a couple different ways to compare quotes from different companies. The recommended way to comparison shop is to jump online and get quotes. This is very easy and can be done in just a few minutes using one of these methods.

If you’re in a hurry, the quickest way to get quotes is an all-inclusive rate comparison (click to open form in new window). This style of form prevents you from having to do repetitive form submissions for every company. A single, simple form will return price quotes from many national carriers.

A less efficient way to obtain and compare quotes online is spending the time to visit each company website and go through the quote process again. For example, we’ll pretend you want to see prices from Nationwide, Progressive and Geico. To do that, you would have to spend time going to each site individually and enter your policy data, which can be really labor intensive.

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

The final way to find and compare rates is physically going to insurance agencies in your area. Comparing rates online reduces the need to sit down with an agent unless you have a need for the extra assistance of an agent trained in personal lines coverage. You can, however, price shop your coverage online but have a local agent actually write the policy.

Whichever way you choose to compare rates, ensure you’re using the exact same coverage data for each comparison quote. If you use different liability limits it will be impossible to truly determine the lowest rate. Having just a slight variation in insurance coverages may result in a large different in cost. Just keep in mind that making a lot of price comparisons will improve the odds of getting a lower rate than you’re paying now. Not every company allows you to get quotes online, so it’s important to also get price quotes from them as well.

The Nissan 200SX insurance price equation

An important part of buying insurance is that you know some of the factors that help determine the price you pay for car insurance. When you know what positively or negatively determines base rates, this enables you to make decisions that may result in better car insurance rates. Many factors are considered when pricing auto insurance. A few of the factors are predictable like an MVR report, but some are less obvious such as whether you are married or your vehicle rating.

  • File policy claims and pay more – If you file claims often, don’t be surprised to see either policy cancellation or increased premiums. Companies award cheaper rates to insureds who are claim-free. Your insurance policy is intended to be relied upon for the large, substantial claims.
  • Consolidate policies and save money – Most car insurance companies give discounts to people that have more than one policy such as combining an auto and homeowners policy. Even if you’re getting this discount it’s always a smart idea to compare rates to help ensure you have the lowest rates.
  • Married drivers get cheaper rates – Having a wife or husband may earn you lower rates when shopping for car insurance. Marriage may mean you are more stable financially and statistics show being married results in fewer claims.
  • Employer stress can affect rates – Did you know your occupation can influence how much you pay for car insurance? Careers such as lawyers, social workers and miners generally pay higher rates than average due to intense work situations and long work days. Conversely, careers like scientists, athletes and homemakers have lower than average premiums on 200SX insurance.
  • Where you live is a factor – Residing in areas with lower population can save you money when trying to find low car insurance rates. Fewer drivers on the road means reduced accidents. Drivers who live in large cities tend to have congested traffic and more severe claims. More time on the road means more chance of being in an accident.
  • Fewer miles means better rates – The higher the miles on your Nissan in a year the higher the price you pay to insure it. Many insurance companies calculate rates determined by how the vehicle is used. Autos used primarily for pleasure use qualify for better rates compared to those used for work or business. Double check that your car insurance policy is rated on annual mileage. Incorrect rating for your 200SX may be costing you.
  • Save money with higher deductibles – Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, helps pay for damage to your vehicle. Examples of covered claims could be a windshield shattered by a rock, hitting a deer, and burglary. Deductibles for physical damage are how much you are required to pay if you file a covered claim. The more money you pay before a claim is paid (deductible), the less your car insurance will be on 200SX insurance.

How do I know if I need professional advice?

When choosing coverage for your personal vehicles, there really is not a best way to insure your cars. Your needs are not the same as everyone else’s so this has to be addressed. For example, these questions may help you determine whether or not you might need professional guidance.

  • Am I getting all the discounts available?
  • Are split liability limits better than a combined single limit?
  • Is my state a no-fault state?
  • Do I need motorclub coverage?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Am I insured when driving a different vehicle?

If you can’t answer these questions but a few of them apply, you may need to chat with 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.

The car insurance bait and switch

Progressive, Allstate and Geico continually stream television and radio advertisements. All the ads have a common claim of big savings if you get a free auto insurance quote and switch to their company. Is it even possible that every company can claim to save you money?

Insurance providers provide the lowest rates for a prospective insured that will add to their bottom line. For instance, this type of risk profile could possibly be between the ages of 30 and 50, has other policies, and drives less than 10,000 miles a year. Any driver that hits that “sweet spot” will get very good auto insurance rates and is almost guaranteed to save if they switch.

People who don’t measure up to those criteria will be quoted higher premium rates and ends up with the customer not purchasing. The ads say “customers that switch” not “everybody who quotes” save that much money. That is how insurance companies can confidently make it sound like they have such great premium rates. This emphasizes why you need to get a wide range of price quotes. Because you cannot predict the company that will fit you best based on your risk profile.

Specific coverage details

Understanding the coverages of a car insurance policy can help you determine which coverages you need and proper limits and deductibles. The coverage terms in a policy can be confusing and coverage can change by endorsement. These are the normal coverages found on most car insurance policies.

Medical costs insurance

Med pay and PIP coverage provide coverage for short-term medical expenses like X-ray expenses, nursing services and ambulance fees. The coverages can be used in conjunction with a health insurance plan or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Auto collision coverage

This covers damage to your 200SX caused by collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like sustaining damage from a pot hole, colliding with another moving vehicle, backing into a parked car, rolling your car and driving through your garage door. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Liability car insurance

This will cover damage that occurs to other’s property or people. This coverage protects you against claims from other people, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability insurance covers things like loss of income, repair bills for other people’s vehicles and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

UM/UIM Coverage

This coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as damage to your Nissan 200SX.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Comprehensive or Other Than Collision

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as fire damage, damage from a tornado or hurricane, vandalism, hail damage and theft. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Shop Smart and Save

Lower-priced 1996 Nissan 200SX insurance is possible on the web and with local insurance agents, and you should be comparing both to have the best selection. Some insurance providers may not offer online price quotes and these smaller companies provide coverage only through independent insurance agencies.

As you shop your coverage around, it’s very important that you do not skimp on critical coverages to save a buck or two. There are a lot of situations where someone dropped uninsured motorist or liability limits and learned later that their decision to reduce coverage ended up costing them more. Your strategy should be to purchase a proper amount of coverage at the lowest possible cost, but do not sacrifice coverage to save money.

Throughout this article, we presented many ways to reduce 1996 Nissan 200SX insurance rates online. The most important thing to understand is the more rate comparisons you have, the better your chances of lowering your car insurance rates. You may be surprised to find that the biggest savings come from an unexpected company. Smaller companies may often insure only within specific states and give getter rates compared to the large companies like State Farm, Geico and Nationwide.

More detailed insurance coverage information can be found at these sites: