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Nissan 200SX Insurance Rates

You have many choices when shopping for insurance coverage for your Nissan vehicle. You can buy from your neighborhood insurance agent or get quotes online to compare insurance costs of insurance carriers. Shopping for auto insurance by getting online quotes saves time, is easy to do, in addition you will probably save money.

Comparing auto insurance rates direct online can be complicated if you are a beginner to online rate quotes. But relax because there is an easy way to compare rates. Getting better Nissan 200SX insurance cost can be relatively painless. Just take time comparing rates online from several insurance companies. This is very easy and can be done by getting a quick quote here.

Criteria which help determine car insurance premiums

Insurance rates paid to insure a Nissan 200SX will vary greatly and are calculated by many factors. A few of these criteria are:

  • High performance increases premiums
  • Your accident history
  • Whether you insure your home with the same company
  • How you use your vehicle
  • Optional coverages like vehicle replacement
  • No claims lowers premiums
  • Having current coverage saves
  • Owning a home can lower rates

One last important factor that will help determine the rate you pay on your Nissan is the year of manufacture. Models that are new have a higher replacement value so the costs to repair will push premiums up. On the flip side, more recent Nissan vehicles may have options like lane departure warning system, pedestrian detection, and tire pressure monitors so those may help offset higher rates.

For you to have a better understanding of how much rates will be for your vehicle, select the year of your 200SX from the following list.

Liability - This will cover injuries or damage you cause to a person or their property by causing an accident. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. It is cheap coverage so purchase as much as you can afford.

Collision coverage - Collision coverage will pay to fix damage to your Nissan from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to get cheaper Nissan 200SX insurance rates.

Comprehensive or Other Than Collision - This covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage. The maximum amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - This coverage provides protection when other motorists are uninsured or don't have enough coverage. Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Medical costs insurance - Personal Injury Protection (PIP) and medical payments coverage kick in for bills for things like ambulance fees, surgery, and doctor visits. They can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. PIP coverage is only offered in select states and may carry a deductible.

How Much are Nissan 200SX Insurance Rates?