How Much Does 1997 Nissan Truck Insurance Cost?

No one likes paying for insurance, in particular when the price is too high.

Multiple insurers compete to insure your vehicles, and because of this it can be hard to compare insurers to discover the definitive lowest rate possible.

It’s a great practice to compare rates at least once a year since rates tend to go up over time. Just because you had the best deal on Truck coverage a few years ago the chances are good that you can find a lower rate today. There is too much inaccurate information about insurance on the internet, so we’re going to give you some guaranteed methods to stop overpaying for insurance.

If you are paying for car insurance now, you will most likely be able to save some money using these techniques. Choosing the best insurance company for you is not that difficult. Although drivers do need to know the methods companies use to market on the web because it can help you find the best coverage.

Factors determining your Nissan Truck insurance premium

An important part of buying insurance is that you know the rating factors that help determine the price you pay for insurance. Knowing what determines base rates helps enable you to make changes that could result in much lower annual insurance costs.

The following are a few of the “ingredients” that factor into premiums.

  • How many coverages with the same company – Some insurance companies provide better rates to insureds who consolidate policies with them, otherwise known as a multi-policy discount. Even if you’re getting this discount it’s in your best interest to comparison shop to make sure you are getting the best deal. Drivers may still find better rates by insuring with multiple companies.
  • Your spouse saves you money – Having a wife or husband actually saves money on your insurance policy. Marriage usually means you are more responsible and it’s statistically proven that drivers who are married are more cautious.
  • More miles equals more premium – The more miles you rack up on your Nissan in a year the more you will pay for insurance. Almost all companies price each vehicle’s coverage based on their usage. Vehicles left parked in the garage receive lower rates than those used for commuting. If your policy improperly rates your Truck may be wasting your money. Make sure your insurance policy shows how each vehicle is driven, because improper ratings can cost you money.
  • Your stress level may be raising your rates – Occupations like lawyers, architects and financial analysts tend to pay higher average rates because of high stress levels and lengthy work days. Conversely, occupations such as pilots, engineers and the unemployed have the lowest average rates on Truck coverage.
  • Do you know your deductibles? – Physical damage deductibles represent how much money you are required to spend before a claim is paid by your company. Coverage for physical damage, termed comprehensive and collision coverage on your policy, covers damage that occurs to your car. Some instances where coverage would apply are colliding with a building, damage caused by hail, and windstorm damage. The higher the amount you are required to pay out-of-pocket, the less your company will charge you for insurance on Truck coverage.
  • Liability coverage is peace of mind – Liability coverage will protect you when a jury decides you are liable for damages from an accident. It will provide legal defense coverage starting from day one. Liability insurance is quite affordable when compared with rates for comp and collision, so drivers should carry high limits.
  • Where you live can impact rates – Choosing to live in a rural area has it’s advantages when buying insurance. Fewer people means reduced accidents and also fewer theft and vandalism claims. Drivers in populated areas tend to have congested traffic and much longer commute distances. Longer commute distances means higher likelihood of an accident.
  • Better credit means lower rates – Your credit history is a important factor in your rate calculation. If your credit is not that good, you could potentially save money when insuring your 1997 Nissan Truck by repairing your credit. Consumers who have high credit scores tend to be less risk to insure as compared to drivers with lower credit scores.

Insurance Coverage Prices

There are a variety of methods you can shop for 1997 Nissan Truck insurance coverage but there is one way that is more efficient than others. You can waste hours discussing policy coverages with insurance companies in your area, or you could use online quotes to maximize your effort.

Many insurance companies enroll in a system where prospective buyers send in one quote, and every company then returns a price quote based on that information. This saves time by eliminating quote requests for each company. To participate in this free quote system, click here (opens in new window).

The one disadvantage to pricing coverage this way is that you can’t choose the insurers to get pricing from. So if you prefer to choose specific providers to compare prices, we put together a list of companies who write insurance coverage in your area. View list of insurance companies.

It’s up to you how you get prices quotes, just make sure you use identical coverage limits and deductibles for each comparison quote. If each company quotes unequal deductibles or liability limits it will be next to impossible to make an equal comparison. Having just a slight variation in coverage limits may result in a large different in cost. Just keep in mind that comparing a large number of companies gives you a better chance of getting lower pricing.

Discounts are great for lower rates

The cost of insuring your cars can be expensive, but you may find discounts to help offset the cost. Some trigger automatically when you complete an application, but lesser-known reductions have to be specially asked for in order for you to get them.

  • Pay Upfront and Save – If paying your policy premium upfront instead of making monthly payments you may reduce your total bill.
  • Seat Belts Save more than Lives – Drivers who require all occupants to buckle their seat belts could save 15% on the medical payments or PIP coverage costs.
  • Lower Rates for Military – Having a family member in the military may qualify for rate reductions.
  • Employee of Federal Government – Being employed by or retired from a federal job can save as much as 8% on Truck coverage depending on your company.
  • Defensive Driving Course – Successfully completing a defensive driving course could cut 5% off your bill if your company offers it.

A little note about advertised discounts, some credits don’t apply to all coverage premiums. Most only reduce the cost of specific coverages such as comp or med pay. So when it seems like having all the discounts means you get insurance for free, car insurance companies aren’t that generous. Any qualifying discounts will bring down the amount you have to pay.

A partial list of companies that possibly offer some of the above discounts include:

Check with every prospective company which discounts you may be entitled to. Discounts might not apply everywhere.

You may need specialized coverage

When choosing proper insurance coverage, there is no single plan that fits everyone. Everyone’s needs are different so your insurance should reflect that Here are some questions about coverages that may help highlight whether or not you could use an agent’s help.

  • Should I buy full coverage?
  • What is an SR-22 filing?
  • Do all my vehicles need collision coverage?
  • Should I bundle my homeowners policy with my auto?
  • How do I insure my teen driver?
  • Which is better, split liability limits or combined limits?
  • How high should my medical payments coverage be?
  • What should my uninsured motorist coverage limits be in my state?
  • Should I sign the liability waiver when renting a car?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Insurance specifics

Having a good grasp of a insurance policy can help you determine the right coverages for your vehicles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Shown next are typical coverage types found on most insurance policies.

UM/UIM Coverage

This coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your Nissan Truck.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Normally the UM/UIM limits do not exceed the liability coverage limits.

Auto liability

Liability insurance protects you from damages or injuries you inflict on a person or their property by causing an accident. This coverage protects you from claims by other people. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 50/100/50 that translate to $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers things such as court costs, bail bonds, funeral expenses and medical expenses. How much liability should you purchase? That is a decision to put some thought into, but consider buying as much as you can afford.

Comprehensive or Other Than Collision

This coverage pays for 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 things such as vandalism, hitting a bird, damage from a tornado or hurricane, falling objects and a tree branch falling on your vehicle. The maximum amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision coverage protection

This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as sustaining damage from a pot hole, backing into a parked car, sideswiping another vehicle, rolling your car and crashing into a building. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Medical costs insurance

Med pay and PIP coverage pay for bills like X-ray expenses, hospital visits, EMT expenses and prosthetic devices. They can be utilized in addition to your health insurance program or if there is no health insurance coverage. They cover you and your occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and may carry a deductible

Quote more, save more

Throughout this article, we presented some good ideas how you can shop for 1997 Nissan Truck insurance online. The key concept to understand is the more rate comparisons you have, the better chance you’ll have of finding lower rates. You may even find the lowest rates come from the smaller companies. Regional companies may cover specific market segments cheaper compared to the large companies like Allstate and Progressive.

Cheap insurance is definitely available on the web and also from your neighborhood agents, so you should be comparing quotes from both so you have a total pricing picture. Some insurance companies may not provide online price quotes and many times these small insurance companies only sell through independent insurance agents.

More detailed insurance information can be read by following these links: