Compare 1998 Nissan 200SX Insurance Quotes

Looking for lower insurance coverage rates for your Nissan 200SX? Have you fallen victim to overpriced insurance coverage? Believe me when I say many consumers feel financially strained by their insurance coverage policy.

Numerous insurance companies battle to insure your vehicles, so it can be very hard to choose a company to get the best rate

How to save on 1998 Nissan 200SX insurance

The price of auto insurance can be rather high, but there are discounts available that can drop the cost substantially. Certain discounts will be applied when you get a quote, but a few need to be requested specifically before being credited.

  • New Vehicle Savings – Insuring a new car can be considerably cheaper due to better safety requirements for new cars.
  • Clubs and Organizations – Affiliation with a professional or civic organization could qualify you for a break on your policy on 200SX coverage.
  • Drivers Ed for Students – Require your teen driver to successfully complete driver’s ed class if it’s offered in school.
  • Air Bag Discount – Factory air bags and/or automatic seat belt systems can get savings of up to 25% or more.
  • Save over 55 – Mature drivers may receive better car insurance rates on 200SX coverage.
  • Life Insurance Discount – Companies who offer life insurance give lower rates if you buy auto and life insurance together.
  • Lower Rates for Military – Having a deployed family member could mean lower rates.
  • Drive Less and Save – Driving fewer miles can earn a substantially lower rate.
  • Paperwork-free – Some insurance companies will discount your bill up to fifty bucks for buying a policy and signing up digitally online.
  • Drive Safe and Save – Insureds without accidents may receive a discount up to 45% less on 200SX coverage than drivers with accidents.

Drivers should understand that most discount credits are not given the the whole policy. Most only cut specific coverage prices like comp or med pay. So when the math indicates it’s possible to get free car insurance, companies don’t profit that way. But any discount will bring down your premiums.

A partial list of companies who might offer these benefits are:

Before buying, ask every prospective company which discounts you may be entitled to. Discounts might not be offered in your state.

Parts of the Nissan 200SX rate equation

Consumers need to have an understanding of the rating factors that play a part in calculating auto insurance rates. Understanding what influences your rates empowers consumers to make smart changes that could result in lower auto insurance prices.

  • How many coverages with the same company – Most auto insurance companies provide better rates to customers who buy several policies from them. It’s known as a multi-policy discount. Discounts can amount to ten or even up to twenty percent in some cases. Even though this discount sounds good, you may still want to compare other company rates to ensure the best deal. You may still be able to find better rates by buying insurance from more than one company.
  • High numbers of claims are not good – If you frequently file small claims, you can expect either higher rates or even cancellation. Auto insurance companies provide discounts to people who file claims infrequently. Car insurance is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
  • Older drivers pay less – Youthful drivers tend to get distracted easily when behind the wheel so auto insurance rates are higher. Older insureds are more responsible, tend to file fewer claims and are safer drivers.
  • Your occupation can affect rates – Did you know that where you work can have an impact on rates? Careers like doctors, business owners and accountants tend to pay higher rates than average in part from high stress levels and lots of time spent at work. On the flip side, jobs such as scientists, athletes and homemakers have the lowest average rates on 200SX coverage.

Tailor your coverage to you

When it comes to choosing proper insurance coverage, there isn’t really a best way to insure your cars. Every insured’s situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that might point out if your insurance needs will benefit from professional help.

  • Is business property covered if stolen from my car?
  • Exactly who is provided coverage by my policy?
  • Do I need higher collision deductibles?
  • Should I waive the damage coverage when renting a car?
  • Is my Nissan 200SX covered if I use it for business?
  • Will filing a claim cost me more?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area.

Are you falling for claims of savings?

Allstate, GEICO and Progressive constantly bombard you with television and radio advertisements. All the companies have a common claim of big savings if you switch to them. How do they all claim to save you money?

Insurance companies can use profiling for the driver that makes them money. For example, a preferred risk could possibly be between the ages of 40 and 55, has no tickets, and drives newer vehicles. A propective insured who fits that profile is entitled to the best price and therefore will save when they switch companies.

Drivers who don’t meet the “perfect” profile must pay higher prices which leads to business not being written. The ads state “customers that switch” not “everyone that quotes” save that much money. That’s the way insurance companies can advertise the savings.

This illustrates why drivers must get as many quotes as possible. It’s impossible to know which insurance company will give you the biggest savings on Nissan 200SX insurance.

Insurance coverages explained

Having a good grasp of a insurance policy aids in choosing appropriate coverage and proper limits and deductibles. Insurance terms can be impossible to understand and nobody wants to actually read their policy. Shown next are typical coverage types found on most insurance policies.

Collision coverages – This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as hitting a parking meter, sustaining damage from a pot hole, scraping a guard rail and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Auto liability insurance – Liability coverage will cover damages or injuries you inflict on people or other property that is your fault. This insurance protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Another option is one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things such as repair costs for stationary objects, legal defense fees, structural damage and loss of income. How much coverage you buy is a decision to put some thought into, but buy higher limits if possible.

Coverage for medical expenses – Coverage for medical payments and/or PIP pay for bills for things like nursing services, pain medications, dental work, chiropractic care and doctor visits. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance – Comprehensive insurance pays for damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like hitting a deer, hail damage and fire damage. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Nissan 200SX.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Be Smart and Buy Smart

You just learned many ways to reduce 1998 Nissan 200SX insurance prices online. It’s most important to understand that the more providers you compare, the better chance you’ll have of finding lower rates. You may be surprised to find that the best price on auto insurance is with the least-expected company. Smaller companies may only write in your state and offer lower rates compared to the large companies like Progressive or GEICO.

Cheap insurance is definitely available from both online companies in addition to many insurance agents, and you should compare price quotes from both to have the best rate selection. Some insurance companies do not provide the ability to get a quote online and these small insurance companies work with independent agents.

When buying insurance coverage, never buy less coverage just to save a little money. Too many times, an insured cut uninsured motorist or liability limits only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to buy a smart amount of coverage at a price you can afford while not skimping on critical coverages.

Even more information can be read in these articles: