1998 Nissan 200SX Insurance Rates

Trying to find the cheapest insurance rates for your Nissan 200SX? Have you had enough of trying to scrape together enough money to insure your Nissan every month? You are in the same boat as many other drivers. Because you have many choices, it can be diffult for consumers to find the cheapest company.

Finding affordable coverage is not that difficult. If you have insurance now or are shopping for new coverage, you can learn to reduce the price you pay while maintaining coverages. Vehicle owners only need an understanding of the most effective way to shop their coverage around on the web.

The quickest method we recommend to compare policy rates takes advantage of the fact most insurance companies actually pay money for the chance to give free rates quotes. The only thing you need to do is take a few minutes to give details like if you went to college, driver ages, your occupation, and whether you are single or married. Your information is instantly sent to many of the top insurers and you get price estimates almost instantly.

To find lower rates now, click here and enter your coverage details.

Tailor your coverage to you

When it comes to buying adequate coverage for your vehicles, there isn’t really a “best” method to buy coverage. Everyone’s situation is a little different and your policy should reflect that. These are some specific questions might point out if your insurance needs would benefit from professional advice.

  • When does my teenage driver need to be added to my policy?
  • Is a new car covered when I drive it off the dealer lot?
  • Should I have a commercial auto policy?
  • Is my cargo covered for damage or theft?
  • Is my nanny covered when driving my vehicle?
  • How much liability insurance is required?
  • Are all vehicle passengers covered by medical payments coverage?
  • What vehicles should carry emergency assistance coverage?
  • When would I need additional glass coverage?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Insurance coverage options for a Nissan 200SX

Knowing the specifics of your insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Below you’ll find typical coverages available from insurance companies.

Coverage for liability – Liability coverage provides protection from damages or injuries you inflict on other’s property or people. This coverage protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against things such as attorney fees, court costs and funeral expenses. How much liability should you purchase? That is your choice, but consider buying as high a limit as you can afford.

UM/UIM Coverage – This coverage protects you and your vehicle from other drivers when they 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 1998 Nissan 200SX.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive or Other Than Collision – Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims such as hail damage, a tree branch falling on your vehicle and vandalism. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for things like hospital visits, funeral costs, prosthetic devices and ambulance fees. They are used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision coverage – This covers damage to your 200SX caused by collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims like colliding with a tree, driving through your garage door, backing into a parked car, hitting a parking meter and crashing into a ditch. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. It’s also possible to increase the deductible to save money on collision insurance.