1996 Nissan 240SX Insurance Rates – 6 Tips for Best Quotes

Getting the lowest cost insurance can seem to be overwhelming for vehicle owners who are beginners to quoting and comparing rates over the internet. With such a big selection of agents and online companies, how are vehicle owners able to effectively compare every insurance company to find the cheapest available price?

If you currently have car insurance, you will be able to save some money using these tips. This article will help you learn how to get online quotes. But car owners need to have an understanding of how the larger insurance companies sell online and take advantage of how the system works.

First Step: Get free auto insurance quotes

When comparison shopping, there are several ways to get quotes from companies that offer auto insurance in your state. One of the best ways to do a complete rate comparison consists of shopping online. It’s really quite simple and can be done in several different ways.

The simplest way consumers can make multiple comparisons is to use a rate comparison form click here to open form in new window. This easy form saves time by eliminating multiple quote forms for each company. In just a few minutes this one form gets coverage cost estimates from multiple companies. It’s the fastest way to compare.

A harder way to find more affordable insurance is to manually visit the website of each company to complete a price quote. For instance, we’ll pretend you want to get rates from Allstate, Esurance and Liberty Mutual. In order to compare rates, you need to navigate to each company’s site and punch in your information repeatedly, which can get rather old.

For a handy list of car insurance company links in your area, click here.

Compare rates however you want, just make sure you compare apples-to-apples coverage data for each quote you get. If the quotes have different coverage information it will be impossible to find the best deal for your Nissan 240SX. Even a minor difference in coverages can mean a large discrepancy in price. Just keep in mind that comparing more rates from different companies increases the change that you will find better pricing. Some regional insurers cannot provide online quotes, so it’s recommended that you also compare quotes on coverage from those companies, too.

Are you qualifying for every discount?

Companies offering auto insurance don’t always advertise the entire discount list very clearly, so the following is a list of a few of the more common and also the more inconspicuous credits available to you.

• Sign Early and Save – Select companies give a discount for buying a policy before your current policy expires. It’s a savings of about 10%.
• Homeowners Discount – Being a homeowner can get you a discount because it is proof that your finances are in order.
• Responsible Drivers – Safe drivers can save as much as half off their rates on 240SX insurance than drivers with accident claims.
• Driver Education Discount – Reduce the cost of insurance for teen drivers by having them enroll in driver’s education if offered at their school.
• Driving Data Discount – Drivers who agree to allow their insurance company to track when and where they use their vehicle by using a telematics device like Drivewise from Allstate or In-Drive from State Farm might get better premium rates if they exhibit good driving behavior.
• Buy New and Save – Adding a new car to your policy can get you a discount because newer models have to meet stringent safety requirements.

One last thing about discounts, most discounts do not apply to the overall cost of the policy. Most only apply to the cost of specific coverages such as collision or personal injury protection. So even though it sounds like all the discounts add up to a free policy, you aren’t that lucky.

To see insurance companies that can offer you the previously mentioned discounts, click here.

When in doubt talk to an agent

When choosing adequate coverage, there really is no one size fits all plan. Your needs are not the same as everyone else’s.

For instance, these questions may help you determine if your insurance needs would benefit from an agent’s advice.

• If I drive on a suspended license am I covered?
• Does coverage extend to my business vehicle?
• Am I covered when delivering products for my home-based business?
• Will my vehicle be repaired with OEM or aftermarket parts?
• I have good health insurance, so how much medical payments coverage do I need?
• Can I afford to buy a different vehicle if my 1996 Nissan 240SX is totaled?
• When would I need additional glass coverage?
• Am I covered if I break a side mirror?
• Is my cargo covered for damage or theft?
• What should my uninsured motorist coverage limits be in my state?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form.

Auto insurance 101

Knowing the specifics of your policy can be of help when determining the right coverages for your vehicles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Comprehensive or Other Than Collision

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as damage from a tornado or hurricane, theft, vandalism and hitting a deer. The highest amount a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Collision coverage

This coverage covers damage to your 240SX resulting from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things such as crashing into a building, scraping a guard rail and damaging your car on a curb. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. You can also increase the deductible to save money on collision insurance.

Liability car insurance

This can cover injuries or damage you cause to a person or their property in an accident. It protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability can pay for claims such as structural damage, repair bills for other people’s vehicles, bail bonds and attorney fees. How much liability coverage do you need? That is a personal decision, but buy higher limits if possible.

UM/UIM Coverage

This protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for ambulance fees, doctor visits, rehabilitation expenses, dental work and funeral costs. They are often utilized in addition to your health insurance plan or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay