Lower Your 1997 Nissan 200SX Insurance Rates

If you are a novice to online car insurance shopping, it’s easy to get confused by the large number of companies offering insurance.

You should make it a habit to take a look at other company’s rates every six months since insurance rates change frequently. Just because you found the best deal on 200SX insurance two years ago a different company probably has better rates today. You’ll find quite a bit of inaccurate information about car insurance online, so we’re going to give you some good information on how to find affordable car insurance.

Finding the best rates is not that difficult. If you are paying for car insurance now, you will be able to lower your premiums substantially using these tips. But consumers must learn how insurance companies market insurance on the web and apply this information to your search.

Comprehensive Insurance Coverage Comparison Quotes

To find the best insurance coverage prices, there are several ways of comparing price quotes from local insurance coverage companies. One of the best ways to find competitive 1997 Nissan 200SX insurance rates is to use the internet to compare rates. This is very easy and can be done using a couple different methods.

  1. The best way to find low rates is a comparison rater form (click to open form in new window). This type of form saves time by eliminating separate quotation requests for every insurance coverage company. A single, simple form will return price quotes instantly. Recommended for those who want to invest the least amount of time.
  2. A different way to compare prices is going to each company website and complete a new quote form. For sake of this example, we’ll pretend you want to compare rates from Liberty Mutual, 21st Century and Geico. To find out each rate you need to visit each site and enter your information, and that’s why the first method is more popular.

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

Whichever way you use, compare exactly the same information for each comparison quote. If you enter different liability limits you can’t possibly determine the best price for your Nissan 200SX. Just a small difference in limits can make a big difference in price. And when comparing insurance coverage rates, know that comparing a large number of companies will enable you to find the best offered rates.

Take advantage of discounts

Car insurance companies don’t always publicize all available discounts in a way that’s easy to find, so the following is a list of some of the more common and also the lesser-known savings tricks you should be using.

  • Anti-lock Brakes – Vehicles with anti-lock braking systems can avoid accidents and will save you 10% or more.
  • Anti-theft System – Vehicles with anti-theft systems prevent vehicle theft and will save you 10% or more.
  • Service Members Pay Less – Being on active duty in the military could be rewarded with lower premiums.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to use a seat belt could save 15% off your medical payments premium.
  • Multiple Policy Discount – When you combine your home and auto insurance with one company you will save up to 20% off your total premium.
  • Good Student Discount – A discount for being a good student can get you a discount of up to 25%. The good student discount can last until age 25.
  • Homeowners Pay Less – Owning a home can save you money because maintaining a house shows financial diligence.

Consumers should know that most credits do not apply to the entire policy premium. Some only apply to individual premiums such as physical damage coverage or medical payments. Even though it may seem like you could get a free insurance coverage policy, it doesn’t quite work that way.

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

Double check with each insurance company which discounts they offer. Savings may not be available in your area.

How to know if you need help

When it comes to choosing the right insurance coverage for your vehicles, there isn’t really a “best” method to buy coverage. Everyone’s situation is a little different.

These are some specific questions could help you determine if your situation will benefit from professional help.

  • Am I covered when driving in Canada or Mexico?
  • Is extra glass coverage worth it?
  • Am I covered when driving on a suspended license?
  • I have a DUI can I still get coverage?
  • Does my policy cover my teen driver if they drive my company car?
  • Can I rate high risk drivers on liability-only vehicles?
  • Does my medical payments coverage pay my health insurance deductible?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, simply complete this short form.

Insurance coverage specifics

Having a good grasp of a insurance policy aids in choosing the right coverages at the best deductibles and correct limits. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Medical costs insurance

Coverage for medical payments and/or PIP kick in for bills for things like nursing services, hospital visits, surgery, prosthetic devices and dental work. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

UM/UIM Coverage

This coverage provides protection when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Nissan 200SX.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Comprehensive or Other Than Collision

This coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as hail damage, rock chips in glass, vandalism and a broken windshield. The most you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Auto liability insurance

This coverage will cover injuries or damage you cause to other’s property or people in an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 50/100/50 that means you have a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against claims such as repair costs for stationary objects, repair bills for other people’s vehicles and pain and suffering. How much coverage you buy is a decision to put some thought into, but you should buy as large an amount as possible.

Collision insurance

This coverage pays for damage to your 200SX resulting from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as sideswiping another vehicle, damaging your car on a curb, backing into a parked car and scraping a guard rail. This coverage can be expensive, so you might think about dropping it from vehicles that are older. You can also raise the deductible to get cheaper collision coverage.

Money doesn’t grow on trees

Lower-priced 1997 Nissan 200SX insurance is available on the web and also from your neighborhood agents, and you should compare price quotes from both to have the best selection. Some companies may not provide online quoting and most of the time these regional insurance providers sell through independent agents.

We just presented a lot of techniques to reduce insurance prices online. The most important thing to understand is the more providers you compare, the higher your chance of finding lower rates. Consumers may even find the best price on auto insurance is with an unexpected company.

While you’re price shopping online, never buy poor coverage just to save money. In too many instances, an accident victim reduced full coverage and found out when filing a claim that they should have had better coverage. Your aim should be to buy a smart amount of coverage for the lowest price while still protecting your assets.

Additional auto insurance information is available on the following sites: