Save on 1997 Nissan 200SX Car Insurance Quotes

Want the cheapest insurance rates for your Nissan 200SX? Are you tired of paying out the nose to pay your car insurance bill each month? You’re in the same situation as millions of other consumers.

Many insurance companies vie to insure your vehicles, and because of this it can be hard to compare auto insurance companies to find the lowest rate

You need to shop coverage around occasionally because insurance rates are usually higher with each renewal. Just because you found the lowest rates for 200SX coverage a couple years back you can probably find a lower rate today. Block out anything you think you know about insurance because I’m going to let you in on the secrets to one of the quickest ways to eliminate unnecessary coverages and save money.

If you currently have a car insurance policy, you will most likely be able to save some money using these tips. Finding affordable coverage is not that difficult. Although vehicle owners must learn how companies sell online and apply this information to your search.

Compare Quotes for Insurance Coverage

There are a lot of ways you can shop for insurance coverage but there is one way that is more efficient than others. You could waste a few hours talking about coverages with insurance companies in your area, or you can stay home and use online quotes to get the quickest rates.

Many popular insurance companies are enrolled in a marketplace where insurance shoppers complete one form, and every company then returns a price quote for coverage. This saves time by eliminating quote forms to each company.

To fill out one form to compare multiple rates now click here to start a free quote.

The single downside to using this type of system is that consumers can’t choose which carriers to get quotes from. If you wish to select from a list of companies to receive pricing from, we have a page of companies who write insurance coverage in your area. Click here for list of insurance companies.

It’s up to you which method you use, but make darn sure you compare identical coverages on every quote. If you enter unequal deductibles or liability limits you will not be able to find the best deal for your Nissan 200SX. Quoting even small variations in coverage limits can make a big difference in price. Just remember that quoting more will increase your chances of finding a better price.

Don’t assume everyone needs the same coverage

When it comes to choosing adequate coverage for your vehicles, there really is not a “best” method to buy coverage. Each situation is unique and your policy should reflect that. These are some specific questions may help highlight whether or not you might need professional guidance.

• How high should deductibles be on a 1997 Nissan 200SX?
• Should I buy additional glass protection?
• Why do I need rental car insurance?
• What are the financial responsibility laws in my state?
• Where can I find DUI or SR-22 insurance?
• When should I remove comp and collision on my 1997 Nissan 200SX?
• What is medical payments coverage?
• Am I covered if my car is in a flood?
• Am I covered when driving someone else’s vehicle?
• Why is insurance for a teen driver so high?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to an agent. To find lower rates from a local agent, complete this form or click here for a list of auto insurance companies in your area.

Car insurance policy specifics

Understanding the coverages of your policy aids in choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. These are the normal coverages offered by car insurance companies.

Collision insurance

This coverage covers damage to your 200SX resulting from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like driving through your garage door, damaging your car on a curb and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Liability coverages

This coverage can cover damage or injury you incur to other people or property that is your fault. It protects you from claims by other people. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 50/100/50 which stand for $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability insurance covers claims like pain and suffering, structural damage, emergency aid, legal defense fees and bail bonds. The amount of liability coverage you purchase is a personal decision, but consider buying as much as you can afford.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP pay for expenses for things like X-ray expenses, funeral costs, prosthetic devices and rehabilitation expenses. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your Nissan 200SX.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Comprehensive auto coverage

This pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like a broken windshield, rock chips in glass, falling objects and a tree branch falling on your vehicle. The highest amount your car insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.