1995 Nissan 240SX Car Insurance Rates – 5 Tips for Cheaper Quotes

Want the cheapest car insurance rates for your Nissan 240SX? Are you sick and tired of not being able to afford to buy car insurance? You are in the same boat as millions of other consumers.

Companies like Progressive, State Farm and Geico constantly blast consumers with fancy advertisements and it can be hard to ignore the flying pigs and cute green geckos and effectively compare rates to find the best deal.

You need to compare rates quite often because rates are usually higher with each renewal. Despite the fact that you may have had the lowest rates on 240SX coverage on your last policy there may be better deals available now. There is a lot of bad advice regarding car insurance online but with this article, you’re going to get some great ideas on how to find cheap car insurance.

If you currently have car insurance, you will most likely be able to reduce your rates substantially using these methods. Buying car insurance is not that difficult. But car owners should learn the methods companies use to compete online.

Compare Auto Insurance Today

The are a couple different ways of comparing price quotes from different insurance companies. The fastest way to find the cheapest 1995 Nissan 240SX insurance rates involves getting comparison quotes online. It is quite easy and can be accomplished in several different ways.

  1. The fastest way to get quotes is to use a rate comparison form click here to open form in new window. This easy form prevents you from having to do separate forms to each individual auto insurance company. One quote request gets you coverage quotes instantly.
  2. A harder way to get comparison quotes is to manually visit each individual company website and request a quote. For example, let’s say you want to compare Farmers, Progressive and State Farm. You would have to spend time on each company’s site to input your insurance information, which is why the first method is quicker.

    For a list of links to companies insuring cars in your area, click here.

  3. The hardest way of comparing rate quotes is to waste gas driving to local insurance agencies. Buying insurance online eliminates the need for an insurance agent unless you want the trained guidance only provided by licensed agents. Drivers can get the lowest quotes online and get advice from an agent in your area and we’ll talk about that later.

It’s up to you which method you use, but make darn sure you compare exactly the same deductibles and coverage limits with each company. If you use different limits and deductibles on each one it’s impossible to determine which rate is truly the best. Quoting even small variations in insurance coverages can make a big difference in price. It’s important to know that comparing a large number of companies helps locate better pricing.

Pay less by taking advantage of these five discounts

Companies offering auto insurance don’t list all available discounts very well, so we researched both the well known and the harder-to-find ways to save on auto insurance.

  • Good Students Pay Less – A discount for being a good student can get you a discount of up to 25%. The discount lasts well after school through age 25.
  • Driver’s Ed – Cut your cost by having your teen driver complete a driver education course in high school.
  • E-sign – A handful of insurance companies will discount your bill up to fifty bucks simply for signing online.
  • Use Seat Belts – Buckling up and requiring all passengers to buckle their seat belts could cut 10% or more off your medical payments premium.
  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control are safer to drive and will save you 10% or more.

A little note about advertised discounts, many deductions do not apply to your bottom line cost. A few only apply to specific coverage prices like comp or med pay. Just because it seems like you can get free auto insurance, it doesn’t quite work that way.

For a list of providers with discount auto insurance rates, click here.

Your coverage should be tailored to you

When buying adequate coverage, there isn’t really a single plan that fits everyone. Coverage needs to be tailored to your specific needs so your insurance should reflect that For instance, these questions could help you determine if your insurance needs would benefit from professional advice.

  • What companies insure drivers after a DUI or DWI?
  • Is extra glass coverage worth it?
  • Are there companies who specialize in insuring high-risk drivers?
  • Am I getting all the discounts available?
  • Am I covered if I crash into my own garage door?
  • Is my Nissan 240SX covered if I use it for business?
  • Are my friends covered when driving my car?

If it’s difficult to answer those questions then you might want to talk to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies.

Insurance coverage myths debunked

Insurance coverage companies such as Progressive, Allstate and Geico constantly bombard you with ads on television and other media. They all seem to have a common claim about savings if you switch to them. How can each company claim to save you money?

All companies can use profiling for the type of customer that makes them money. For instance, a profitable customer could possibly be a mature driver, owns a home, and has great credit. A customer getting a price quote who fits that profile will get the preferred rates and is almost guaranteed to save quite a bit of money when switching.

Potential insureds who don’t qualify for the requirements will be quoted higher prices and ends up with business not being written. The ads say “customers that switch” not “everyone that quotes” save money. That’s why companies can truthfully advertise the savings. This emphasizes why it is so important to compare as many rates as you can. It’s just too difficult to predict which company will give you the biggest savings on Nissan 240SX insurance.

Auto insurance policy coverages for a Nissan 240SX

Having a good grasp of your auto insurance policy helps when choosing the best coverages for your vehicles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. These are typical coverage types offered by auto insurance companies.

Collision coverage

Collision insurance covers damage to your 240SX resulting from a collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things such as colliding with a tree, crashing into a ditch, hitting a mailbox and driving through your garage door. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to save money on collision insurance.

Comprehensive coverages

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as a tree branch falling on your vehicle, fire damage, hitting a bird, rock chips in glass and hail damage. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.


This will cover damage that occurs to other people or property that is your fault. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against things like repair bills for other people’s vehicles, funeral expenses and structural damage. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as high a limit as you can afford.

Uninsured and underinsured coverage

This protects you and your vehicle from other motorists when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your 1995 Nissan 240SX.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Coverage for medical payments

Med pay and PIP coverage reimburse you for immediate expenses for things like hospital visits, pain medications, chiropractic care, prosthetic devices and doctor visits. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and may carry a deductible

Best coverage at the best price

Cheap 1995 Nissan 240SX insurance is definitely available online and with local insurance agents, and you should compare price quotes from both to have the best rate selection. There are still a few companies who do not offer online price quotes and most of the time these small insurance companies sell through independent agents.

When you buy insurance online, do not reduce needed coverages to save money. Too many times, consumers will sacrifice physical damage coverage only to find out they didn’t have enough coverage. Your strategy should be to buy a smart amount of coverage at the best price while still protecting your assets.

To learn more, feel free to visit the resources below: