1996 Nissan 240SX Insurance Quotes – 9 Tips for Cheaper Rates

Searching for lower car insurance rates for your Nissan 240SX? Think you have an expensive car insurance policy? Say no more because many drivers feel the same as you. Companies like State Farm, Progressive and Geico continually hit you with catchy ads and consumers find it hard to not get sucked in by the cute commercials and do the work needed to find the best deal.

If you have insurance now or are shopping for new coverage, you can use this information to cut your premiums and possibly find even better coverage. Buying car insurance is easy if you know what you’re doing. Consumers just need to understand the most effective way to compare rates online.

Car insurance discounts are available to slash your rates

Car insurance can be pricey, but you may be missing some discounts that many people don’t even know exist. Most are applied at quote time, but less common discounts must be requested specifically prior to receiving the credit.

  • Good Drivers – Insureds without accidents can get discounts for up to 45% lower rates on 240SX coverage compared to rates paid by drivers with frequent claims.
  • ABS Brakes – Cars, trucks, and SUVs that have anti-lock braking systems are much safer to drive and therefore earn up to a 10% discount.
  • Passive Restraint Discount – Cars that have air bags or motorized seat belts may earn rate discounts of up to 25% or more.
  • Low Mileage Discounts – Keeping the miles down on your Nissan could earn better prices on cars that stay parked.
  • Student in College – Kids who are enrolled in a college that is more than 100 miles from home and don’t have a car may be able to be covered for less.
  • Multiple Policy Discount – If you have multiple policies and insure them with the same company you will save at least 10% off all policies.
  • Accident Free – Insureds with no claims or accidents have much lower rates compared to frequent claim filers.
  • Good Student Discount – Maintaining excellent grades can be rewarded with saving of up to 25%. You can use this discount normally well after school through age 25.
  • Savings for New Vehicles – Insuring a vehicle that is new can cost up to 25% less compared to insuring an older model.

Discounts save money, but please remember that some of the credits will not apply to your bottom line cost. Most only reduce specific coverage prices like collision or personal injury protection. So when the math indicates it’s possible to get free car insurance, it doesn’t quite work that way.

The best car insurance companies and some of the discounts are detailed below.

  • State Farm may include discounts for passive restraint, multiple policy, multiple autos, Drive Safe & Save, anti-theft, and driver’s education.
  • Geico offers discounts including air bags, five-year accident-free, anti-theft, driver training, and membership and employees.
  • Progressive includes discounts for multi-vehicle, continuous coverage, multi-policy, online quote discount, and good student.
  • 21st Century policyholders can earn discounts including theft prevention, driver training, anti-lock brakes, defensive driver, 55 and older, and student driver.
  • American Family offers discounts for air bags, good driver, defensive driver, TimeAway discount, and mySafetyValet.
  • The Hartford discounts include bundle, defensive driver, vehicle fuel type, anti-theft, good student, and air bag.
  • AAA may have discounts that include multi-car, education and occupation, pay-in-full, anti-theft, and good driver.

When getting a coverage quote, ask every prospective company how you can save money. Discounts might not be offered everywhere. To locate car insurance companies that provide some of the discounts listed above, follow this link.

Shop insurance online

Most companies make it easy to get insurance quotes directly from their websites. Getting online quotes is pretty easy as all you need to do is type in your coverage information into the quote form. After you complete the form, their quoting system makes automated requests for your driving record and credit report and generates pricing information. Quoting online makes it simple to compare prices but having to visit multiple sites and type in your information can be a bit tiresome and repetitive. But it’s very important to compare as many rates as possible in order to find better insurance pricing.

Keep reading for an easier way to compare prices

A quicker way to get multiple rate quotes makes use of a single form to return rates from many companies. It saves time, eliminates form submissions, and makes online shopping much more enjoyable and efficient. Once the form is submitted, it gets priced with multiple companies and you can pick any one of the pricing results. If a lower price is quoted, you simply finish the application and purchase coverage. The entire process takes just a few minutes to complete and you will know how your current rates stack up.

To compare rates now, simply click here to open in new window and enter your information. If you have coverage now, it’s recommended you duplicate deductibles and limits as close as possible to your current policy. This ensures you will have a fair comparison for similar coverage.

Everyone needs different insurance coverages

When buying proper insurance coverage for your personal vehicles, there isn’t really a perfect coverage plan. Every insured’s situation is different so this has to be addressed. For example, these questions might help in determining whether you might need professional guidance.

  • If my pet gets injured in an accident are they covered?
  • Can I get a multi-policy discount?
  • Does my 1996 Nissan 240SX qualify for pleasure use?
  • Do I have coverage when making deliveries for my home business?
  • Is my babysitter covered when using my vehicle?
  • Can I still get insurance after a DUI?
  • Does medical payments coverage apply to all occupants?
  • Should I have a commercial auto policy?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area. It only takes a few minutes and can help protect your family.

Insurance coverages 101

Understanding the coverages of a insurance policy can be of help when determining the right coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Shown next are typical coverages found on the average insurance policy.

Comprehensive (Other than Collision)

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as a broken windshield, damage from flooding, vandalism and falling objects. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical expense insurance

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses like surgery, EMT expenses and ambulance fees. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability auto insurance

This will cover damage or injury you incur to other people or property in an accident. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability insurance covers things such as attorney fees, medical expenses, repair bills for other people’s vehicles, pain and suffering and bail bonds. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Collision coverage protection

This covers damage to your 240SX caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as crashing into a ditch, colliding with another moving vehicle, sustaining damage from a pot hole and colliding with a tree. This coverage can be expensive, so consider removing coverage from lower value vehicles. You can also bump up the deductible to bring the cost down.

Protection from uninsured/underinsured drivers

This provides protection when the “other guys” do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Quote more, save more

Cost effective 1996 Nissan 240SX insurance is attainable from both online companies and from local agencies, and you need to comparison shop both to have the best chance of lowering rates. Some insurance companies do not provide online price quotes and these smaller providers sell through local independent agents.

As you restructure your insurance plan, it’s very important that you do not buy less coverage just to save a little money. In many instances, someone sacrificed uninsured motorist or liability limits only to regret at claim time that it was a big error on their part. The aim is to buy enough coverage for the lowest price, but do not sacrifice coverage to save money.

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