1998 Nissan 240SX Insurance Rates – 8 Tips for Best Quotes

Want cheaper insurance rates for your Nissan 240SX? I really doubt anyone rejoices having to buy insurance, especially knowing the cost is too high.

Numerous insurers battle to insure your vehicles, so it can be very hard to choose a provider to discover the definitive lowest price

You should make it a habit to do price comparisons as often as possible since insurance prices are usually higher with each renewal. Even if you got the lowest price on 240SX coverage a year ago the chances are good that you can find a lower rate today. Forget all the misinformation about insurance because you’re going to learn the proper way to lower your annual insurance bill.

If you are paying for car insurance now, you will be able to lower your premiums substantially using these methods. Choosing the best insurance company for you is easy if you know what you’re doing. But consumers need to have an understanding of how insurance companies market insurance on the web and apply this information to your search.

Verify you’re getting every discount

Some insurance providers don’t list all their discounts in an easy-to-find place, so here is a list both well-publicized and also the more inconspicuous credits that you can use to lower your rates.

  • Accident Waiver – Not really a discount, but a handful of insurance companies will let one accident slide without the usual rate increase so long as you haven’t had any claims for a set time period.
  • Telematics Devices – Drivers that enable driving data submission to analyze where and when they drive remotely like Drivewise from Allstate or In-Drive from State Farm could save a few bucks if they exhibit good driving behavior.
  • Smart Student Discounts – Maintaining excellent grades may save as much as 25% on a car insurance quote. Earning this discount can benefit you up until you turn 25.
  • Discount for Multiple Policies – When you combine your auto and home insurance and place coverage with the same company you may save as much as 10 to 15 percent.
  • Military Deployment Discount – Being on active deployment in the military could qualify you for better premium rates.
  • Discount for Life Insurance – Not all companies offer life insurance, but some may give you a discount if you purchase life insurance from them.
  • Defensive Driver Discount – Participating in a class that teaches defensive driving techniques can save you 5% or more and make you a better driver.
  • Safety Restraint Discount – Drivers who require all vehicle occupants to buckle up before driving may be able to save a few bucks off PIP or medical payments premium.

One last thing about discounts, many deductions do not apply to the entire policy premium. Some only reduce the cost of specific coverages such as collision or personal injury protection. Even though it may seem like adding up those discounts means a free policy, it’s just not the way it works.

A list of companies and their possible discounts can be read below.

  • State Farm may offer discounts for multiple autos, Steer Clear safe driver discount, student away at school, safe vehicle, and multiple policy.
  • Geico policyholders can earn discounts including multi-policy, military active duty, membership and employees, driver training, good student, defensive driver, and federal employee.
  • SAFECO discounts include accident prevention training, teen safety rewards, multi-car, drive less, and anti-theft.
  • Farmers Insurance may include discounts for alternative fuel, pay in full, business and professional, teen driver, good student, and early shopping.
  • AAA has discounts for good student, anti-theft, good driver, education and occupation, pay-in-full, AAA membership discount, and multi-policy.
  • USAA has savings for vehicle storage, multi-vehicle, annual mileage, new vehicle, loyalty savings, multi-policy, and safe driver.

When getting free car insurance quotes, it’s a good idea to each company which discounts you may be entitled to. Some credits may not apply to policies in every state. To see a list of companies that offer multiple discounts, follow this link.

How to get cheap car insurance

Most companies such as State Farm and Allstate allow you to get coverage prices from their websites. The process is fairly straightforward because it’s just a matter of typing in the amount of coverage you want as detailed in the form. Once entered, the system makes automated requests for your driving and credit reports and gives you a price quote based on many factors. This makes it a lot easier to compare rates but the process of having to visit each company’s website and repetitively type in your information is a waste of time. But it’s necessary to compare as many rates as possible if you want to find the best price on car insurance.

The easy way to compare rates

The easiest way to lower your car insurance bill uses just one form to get prices from several different companies. It’s a real time-saver, reduces the work, and makes online price comparison much more enjoyable and efficient. As soon as the form is sent, your coverage is rated and you can select any one of the quote results. If one or more price quotes are lower than your current rates, you simply finish the application and purchase coverage. It can be completed in less than 10 minutes and could lower your rates considerably.

In order to compare rates now, click here to open in new window and fill out the form. If you currently have coverage, we recommend you type in coverages and limits just like they are on your policy. Using the same limits helps guarantee you will have rate quotes based on similar coverages.

When should I discuss my situation with an agent?

When it comes to choosing the right insurance coverage, there isn’t really a “perfect” insurance plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that Here are some questions about coverages that might point out whether or not you will benefit from professional help.

  • Is my babysitter covered when using my vehicle?
  • Do I pay less for low miles?
  • Is my camper covered by my car insurance policy?
  • Is extra glass coverage worth it?
  • Do I have newly-aquired coverage?
  • Is my custom paint covered by insurance?
  • How much liability insurance is required?
  • Can I still get insurance after a DUI?
  • Is my teenager covered with friends in the car?
  • Do I get a pro-rated refund if I cancel my policy early?

If it’s difficult to answer those 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.

Insurance coverage options for a 1998 Nissan 240SX

Having a good grasp of a insurance policy helps when choosing the best coverages and proper limits and deductibles. Insurance terms can be impossible to understand and reading a policy is terribly boring. Below you’ll find typical coverage types found on the average insurance policy.

Comprehensive coverages

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like rock chips in glass, hitting a deer, damage from getting keyed and hitting a bird. The maximum amount your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family and damage to your Nissan 240SX.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Coverage for medical payments

Med pay and PIP coverage provide coverage for immediate expenses like ambulance fees, dental work, X-ray expenses, rehabilitation expenses and nursing services. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants in addition to 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

Collision coverage

This coverage will pay to fix damage to your 240SX from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things like sustaining damage from a pot hole, rolling your car, scraping a guard rail and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Liability auto insurance

This protects you from damage or injury you incur to people or other property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 100/300/100 that means you have $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability coverage protects against things like repair bills for other people’s vehicles, medical expenses and pain and suffering. How much coverage you buy is a personal decision, but consider buying as high a limit as you can afford.

In any little way, save everyday

Throughout this article, we presented a lot of tips how to compare 1998 Nissan 240SX insurance prices online. The key concept to understand is the more providers you compare, the higher the chance of saving money. Drivers may discover the lowest prices are with a small mutual company. Some small companies may cover specific market segments cheaper as compared to the big name companies such as Allstate and Progressive.

As you restructure your insurance plan, do not reduce needed coverages to save money. There have been many situations where an accident victim reduced liability limits or collision coverage and learned later that their decision to reduce coverage ended up costing them more. Your aim should be to get the best coverage possible at a price you can afford.

Some companies do not offer the ability to get quotes online and usually these smaller providers only sell coverage through independent insurance agencies. Lower-priced 1998 Nissan 240SX insurance can be bought from both online companies and with local insurance agents, so compare prices from both in order to have the best price selection to choose from.

Additional car insurance information can be read on the following sites: