1997 Nissan 240SX Insurance Quotes

Buying more affordable auto insurance may at first seem to be rather difficult for vehicle owners who are new to online price comparisons. With more and more companies, how are vehicle owners expected to be able to compare every company in order to find better prices?

How to buy car insurance

Most companies like Geico, State Farm and Progressive make it easy to get prices for coverage directly from their websites. This process can be done by anyone as you just enter the coverages you want as detailed in the form. After you complete the form, the system collects your driving record and credit report and returns pricing information based on many factors.

This makes it easy to compare insurance prices but the time required to go to different websites and type in the same information is a big time waster. But it’s absolutely necessary to compare as many rates as possible in order to find the lowest car insurance rates.

There is a better way!

The preferred way to lower your car insurance bill makes use of a single form that obtains quotes from several companies at one time. The form is fast, reduces the work, and makes rate comparisons a lot less work. After sending the form, it is quoted with multiple companies and you can pick any one of the pricing results. If the quotes result in lower rates, you can simply submit the application and buy the policy. This process takes just a few minutes to complete and could lower your rates considerably.

If you want to find out how much you can save on car insurance, simply click here to open in new window and enter your vehicle and coverage information. If you currently have coverage, we recommend you duplicate deductibles and limits exactly as shown on your declarations page. This way, you are getting a fair comparison based on the exact same insurance coverage.

Don’t assume everyone needs the same car insurance coverage

When buying proper insurance coverage, there isn’t really a “perfect” insurance plan. Everyone’s situation is unique.

For instance, these questions might help in determining if you could use an agent’s help.

• Am I covered if hit by an uninsured driver?
• Will my insurance pay for OEM parts?
• Why am I required to buy high-risk coverage?
• Is business property covered if stolen from my car?
• Why is insurance for a teen driver so high?
• Who is covered by my policy?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Coverages available on your insurance policy

Understanding the coverages of a insurance policy aids in choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Insurance for medical payments

Coverage for medical payments and/or PIP provide coverage for bills such as pain medications, doctor visits, prosthetic devices, nursing services and rehabilitation expenses. They can be utilized in addition to your health insurance plan or if you are not covered by health insurance. It covers you and your occupants as well as if you are hit as a while walking down the street. PIP is not an option in every state and gives slightly broader coverage than med pay

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage provides protection when other motorists do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Coverage for liability

Liability coverage protects you from damages or injuries you inflict on people or other property that is your fault. It protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for things such as attorney fees, medical expenses, funeral expenses and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive coverage (or Other than Collision)

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

Comprehensive coverage protects against things like damage from a tornado or hurricane, theft, fire damage and damage from getting keyed. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision protection

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

Collision coverage pays for things like rolling your car, driving through your garage door, scraping a guard rail and crashing into a building. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.