1998 Nissan 200SX Insurance Cost

Want better insurance coverage rates for your Nissan 200SX? Scraping up a payment for high-priced Nissan 200SX insurance can overdraw your checking account and put the squeeze on your family’s finances. Doing a price comparison is a smart way to tighten up your finances.

Online insurance companies like Geico, 21st Century and Progressive all claim big savings, bombarding you with ads and it is challenging if not impossible to not get sucked in by the cute commercials and take the time to shop coverage around.

It’s a great practice to shop coverage around as often as possible because rates change regularly. If you had the lowest rate for 200SX coverage six months ago you will most likely find a better price today. Don’t believe everything you read about insurance coverage online but in a few minutes you can learn some excellent ideas to slash your insurance coverage rates.

If you have insurance now or are shopping for new coverage, you can use this information to get lower rates while maximizing coverage. Choosing the best insurance company for you is easy if you know what you’re doing. Drivers just need to know the best way to shop online.

Compare free insurance coverage quotes

Effectively comparing insurance coverage prices can be a lot of work if you don’t understand the most efficient way to do it. You can spend countless hours talking about coverages with insurance agencies in your area, or you could use the web to accomplish the same thing much quicker.

Many companies are enrolled in a marketplace where insurance shoppers submit their information once, and every company then returns a price quote based on that information. This eliminates the need for repetitive form submissions to each company.

To compare rates now click here to start a free quote.

One minor caviat to getting quotes like this is buyers cannot specifically choose the providers you want to price. If you prefer to choose individual companies for rate comparison, we have a listing of the cheapest insurance coverage companies in your area. Click here to view list.

The approach you take is up to you, just compare equivalent coverage data for every company. If each company quotes different deductibles you will not be able to get a fair rate comparison.

Insurance myths debunked

Consumers get pounded daily by advertisements for insurance savings by companies like State Farm and Allstate. All the companies tend to make the same promise that you’ll save big if you move your coverage.

Is it even possible that every company can charge less that you’re paying now? This is the way they can do it.

Companies have a preferred profile for a prospective insured that is profitable for them. One example of a preferred risk may need to be between the ages of 40 and 55, carries full coverage, and has a short commute. Anybody who fits that profile will probably get cheap prices and therefore will save quite a bit of money when switching.

People who do not meet the “perfect” profile will be quoted higher rates and this results in business going elsewhere. If you pay close attention to the ads, they say “drivers who switch” not “everyone who quotes” save the amount stated. That is how companies can make the claims of big savings. This illustrates why you need to get car insurance quotes as often as possible. Because you cannot predict which insurance company will provide the lowest car insurance rates.

Discount car insurance quotes

The cost of insuring your cars can be expensive, but there’s a good chance there are discounts that can help lower your rates. Larger premium reductions will be automatically applied at the time of quoting, but lesser-known reductions have to be asked about before they will apply.

  • Air Bag Discount – Factory air bags may earn rate discounts of more than 20%.
  • Distant College Student Discount – Any of your kids who are enrolled in higher education away from home without a vehicle on campus may qualify for this discount.
  • Multiple Cars – Buying insurance for all your vehicles with the same company qualifies for this discount.
  • Cautious Drivers – Drivers who don’t get into accidents may save up to 50% more for 200SX coverage than their less cautious counterparts.
  • Life Insurance Discount – Not all insurance carriers offer life insurance, but some may give you a lower car insurance rate if you buy some life insurance in addition to your auto policy.

A little note about advertised discounts, most credits do not apply to the entire policy premium. Some only apply to the price of certain insurance coverages like medical payments or collision. So when the math indicates you would end up receiving a 100% discount, companies don’t profit that way.

Some companies who may offer some of the above discounts include:

When getting a coverage quote, ask each insurance company which discounts can lower your rates. Depending on the company, some discounts may not apply in your area. For a list of car insurance companies with the best discounts, click here.

Tailor your insurance coverage to you

When buying coverage for your personal vehicles, there really is no one size fits all plan. Every situation is different so your insurance should reflect that For example, these questions can help discover if you could use an agent’s help.

  • Do I need added coverage for expensive stereo equipment?
  • What vehicles should carry emergency assistance coverage?
  • Is motorclub coverage worth it?
  • Can I make deliveries for my home business?
  • Do I need replacement cost coverage?
  • Can I rate high risk drivers on liability-only vehicles?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Do I need replacement cost coverage on my 1998 Nissan 200SX?
  • Is my vehicle covered by my employer’s policy when using it for work?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies. It’s fast, free and you can get the answers you need.

Specific coverages for a Nissan 200SX

Knowing the specifics of auto insurance aids in choosing the best coverages and the correct deductibles and limits. Policy terminology can be confusing and even agents have difficulty translating policy wording. Listed below are the usual coverages offered by auto insurance companies.

Comprehensive protection

This will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as theft, a broken windshield, vandalism, hitting a deer and damage from flooding. The maximum amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Auto collision coverage

Collision coverage pays for damage to your 200SX resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as driving through your garage door, scraping a guard rail and damaging your car on a curb. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to bring the cost down.

Medical expense coverage

Coverage for medical payments and/or PIP reimburse you for bills like surgery, pain medications, X-ray expenses and nursing services. They are often used in conjunction with a health insurance program or if you are not covered by health insurance. Coverage applies to you and your occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Uninsured or underinsured coverage

This gives you protection when the “other guys” either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Auto liability insurance

This coverage can cover damages or injuries you inflict on other’s property or people by causing an accident. This coverage protects you from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/25 that means you have a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability coverage protects against things such as funeral expenses, pain and suffering, repair costs for stationary objects and court costs. How much liability should you purchase? That is a personal decision, but you should buy as large an amount as possible.

One last thing

As you restructure your insurance plan, it’s very important that you do not reduce coverage to reduce premium. There have been many cases where drivers have reduced physical damage coverage and discovered at claim time that it was a big error on their part. Your goal should be to get the best coverage possible at a price you can afford, but don’t skip important coverages to save money.

We’ve covered a lot of information how to shop for 1998 Nissan 200SX insurance online. The key thing to remember is the more times you quote, the higher the chance of saving money. Consumers may even find the lowest premium rates come from a company that doesn’t do a lot of advertising. Some small companies can often insure niche markets at a lower cost compared to the large companies like State Farm or Progressive.

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