1990 Nissan Van Insurance Cost – 9 Ways to Save

Trying to find cheaper car insurance rates for your Nissan Van? If you are new to online price comparisons, by this point your are probably confused thanks to the huge assortment of companies offering coverage.

Take advantage of every insurance discount

Some insurers don’t necessarily list all available discounts very clearly, so the following is a list of some of the best known and also the lesser-known savings tricks you should be using when you buy auto insurance online.

• Distant Student Discount – Kids who live away from home to go to college and do not have access to a covered vehicle could get you a discount.
• Fewer Miles Equal More Savings – Maintaining low annual mileage could qualify for slightly better insurancerates than normal.
• Save over 55 – Drivers over the age of 55 can possibly qualify for lower premium rates on van insurance.
• More Vehicles More Savings – Buying coverage for all your vehicles on one policy can reduce the rates for all insured vehicles.
• Defensive Driver – Passing a class that teaches safe driver techniques could earn you a small percentage discount if you qualify.
• Buy New and Save – Insuring a new car can save up to 30% due to better safety requirements for newer vehicles.
• Government Employees – Federal government employees may reduce rates when you quote auto insurance on van insurance depending on your company.
• Paperless Signup – A few larger online companies will give a small break for buying your policy online.
• Driving Data Discount – Drivers who agree to allow their insurance company to study where and when they drive by using a telematic data system such as Snapshot from Progressive or Drivewise from Allstate could see a rate decrease as long as they are good drivers.

While discounts sound great, it’s important to understand that most of the big mark downs will not be given to all coverage premiums. Most only reduce the cost of specific coverages such as medical payments or collision. So despite the fact that it appears having all the discounts means you get insurance for free, nobody gets a free ride.

To locate insurance companies that offer discounts, click this link.

How to know if you need help

When buying coverage, there isn’t really a best way to insure your cars. Coverage needs to be tailored to your specific needs.

For instance, these questions might help in determining if your insurance needs might need an agent’s assistance.

• Can my teen drive my company car?
• Can I still get insurance after a DUI?
• Does my 1990 Nissan Van qualify for pleasure use?
• Is a new car covered when I drive it off the dealer lot?
• Will my vehicle be repaired with OEM or aftermarket parts?
• I have good health insurance, so how much medical payments coverage do I need?
• How many claims can I have before being cancelled?
• Can I afford to pay high deductible claims out of pocket?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with an insurance agent. To find an agent in your area, simply complete this short form.

Auto insurance coverage basics

Having a good grasp of auto insurance aids in choosing the best coverages and proper limits and deductibles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Collision coverage – This covers damage to your Van resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as sideswiping another vehicle, backing into a parked car, hitting a mailbox and driving through your garage door. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. You can also bump up the deductible to bring the cost down.

Liability auto insurance – This coverage provides protection from damages or injuries you inflict on a person or their property that is your fault. This coverage protects you against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 25/50/25 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Some companies may use a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for things such as medical expenses, court costs and legal defense fees. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Uninsured or underinsured coverage – This gives you protection from other motorists 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 Nissan Van.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive protection – This pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like damage from flooding, fire damage, damage from a tornado or hurricane, hitting a deer and theft. The highest amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical expense coverage – Med pay and PIP coverage pay for short-term medical expenses such as X-ray expenses, nursing services and funeral costs. The coverages can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. Coverage applies to all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

A fool and his money are soon parted

Lower-priced 1990 Nissan Van insurance is definitely available both online as well as from independent agents, so you should compare both in order to have the best chance of saving money. Some insurance providers may not have online rate quotes and many times these small insurance companies prefer to sell through independent agencies.

As you quote auto insurance, it’s not a good idea to buy lower coverage limits just to save a few bucks. There are many occasions where consumers will sacrifice liability limits or collision coverage only to find out they didn’t have enough coverage. The ultimate goal is to buy a smart amount of coverage at an affordable rate while still protecting your assets.

Drivers who switch companies do it for a number of reasons such as policy non-renewal, high rates after DUI convictions, unfair underwriting practices or poor customer service. Regardless of your reason for switching companies, switching companies can be pretty painless.

More tips and info about car insurance can be read in these articles:

• Child Safety FAQ (iihs.org)
• Steps to Take After an Auto Accident (Insurance Information Insitute)
• Protect Yourself Against Auto Theft (Insurance Information Insitute)
• Rental Car Insurance Tips (Insurance Information Insitute)