1997 Nissan 200SX Insurance Quotes – 6 Tips to Save

Searching for the cheapest auto insurance rates for your Nissan 200SX? Locating the cheapest insurance for a Nissan 200SX can turn out to be difficult, but you can use the following methods to find lower rates. There is a better way to shop for auto insurance so you’re going to learn the best way to price shop coverage on a Nissan and obtain the best price possible from local insurance agents and online providers.

If you have insurance now or are just looking to switch companies, you can use these tips to find the best rates while maintaining coverages. Pricing the lowest cost auto insurance coverage is not that difficult. Drivers only need an understanding of the tricks to shop for auto insurance over the internet.

The best way we recommend to compare insurance rates from multiple companies is to know the trick most larger insurance companies have advanced systems to compare rate quotes. All you need to do is provide a small amount of information like if you’re married, which vehicles you own, your job, and how much coverage you want. That rating information is submitted instantly to all major companies and they provide comparison quotes instantly to find the best rate.

If you would like to start a quote now, click here and find out if lower rates are available.

Truth in car insurance advertising

Consumers can’t escape the ads for car insurance savings from the likes of State Farm, Allstate and Geico. They all try to convey promises of big savings just by moving your coverage to them.

Is it even possible that every company can give you a lower rate? This is how they do it.

Most companies have underwriting criteria for the type of customer that makes them money. An example of a desirable risk could be a female over age 40, has no claims, and has a short commute. Any person that hits that “sweet spot” will qualify for the lowest premium rates and is almost guaranteed to save when they switch companies.

Potential insureds who do not fit these stringent criteria may be forced to pay a higher rate and this results in business not being written. The wording the ads use say “customers that switch” not “everyone that quotes” save the amount stated. That is how companies can truthfully advertise the way they do. This really emphasizes why you need to do a rate comparison at every renewal. It’s just not possible to know the company that will have the best prices at this point in time.

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Are you earning every discount?

Companies do not list every possible discount very well, so the following list contains both well-publicized and also the lesser-known credits available to bring down your rates. If you are not receiving all the discounts possible, it’s possible you qualify for a lower rate.

• Defensive Driver – Completing a course in safe driver could possibly earn you a 5% discount if you qualify.
• Save with a New Car – Adding a new car to your policy can save you some money because new model year vehicles have to meet stringent safety requirements.
• Early Switch Discount – A few car insurance companies give discounts for signing up prior to your current policy expiring. This can save 10% or more.
• One Accident Forgiven – This one is not really a discount per se, but certain companies will allow you to have one accident before raising your premiums if you are claim-free before the accident.
• Accident-Free Discounts – Claim-free drivers are rewarded with significantly better rates on insurance coverage quote as opposed to policyholders that have many claims.
• Discount for Good Grades – Being a good student may save as much as 25% on a insurance coverage quote. Most companies allow this discount up until you turn 25.

Discounts reduce rates, but you should keep in mind that most discount credits are not given to all coverage premiums. Most only reduce the price of certain insurance coverages like comprehensive or collision. Even though it appears you can get free auto insurance, insurance companies wouldn’t stay in business.

To see insurers with the best car insurance discounts, click here to view.

When in doubt talk to an agent

When it comes to choosing the best auto insurance coverage for your personal vehicles, there really is not a perfect coverage plan. Coverage needs to be tailored to your specific needs.

For example, these questions may help highlight if your situation would benefit from an agent’s advice.

• Is borrowed equipment or tools covered if stolen or damaged?
• What is the difference between comprehensive and collision coverage?
• What if I owe more than I can insure my car for?
• Is motorclub coverage worth it?
• Do I benefit by insuring my home with the same company?
• Am I better off with higher deductibles on my 1997 Nissan 200SX?
• If I drive on a suspended license am I covered?
• Does my personal policy cover me when driving out-of-state?
• Are my friends covered when driving my 1997 Nissan 200SX?
• When should I remove comp and collision on my 1997 Nissan 200SX?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an agent. If you don’t have a local agent, complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Insurance coverages explained

Understanding the coverages of your insurance policy can be of help when determining the best coverages and proper limits and deductibles. Insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive insurance

This pays for damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as rock chips in glass, theft and damage from flooding. The highest amount your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries as well as damage to your 1997 Nissan 200SX.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Coverage for medical expenses

Coverage for medical payments and/or PIP kick in for expenses for things like chiropractic care, doctor visits and EMT expenses. The coverages can be used to fill the gap from your health insurance plan or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Auto liability

This provides protection from injuries or damage you cause to people or other property in an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 100/300/100 that translate to a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability can pay for claims like funeral expenses, repair costs for stationary objects, emergency aid and court costs. How much liability coverage do you need? That is your choice, but buy as large an amount as possible.

Coverage for collisions

This coverage will pay to fix damage to your 200SX resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things like damaging your car on a curb, backing into a parked car and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It’s also possible to raise the deductible to bring the cost down.

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Buy online or local, you save

As you quote insurance coverage, it’s very important that you do not buy lower coverage limits just to save a few bucks. In too many instances, someone sacrificed comprehensive coverage or liability limits only to regret at claim time that it was a big error on their part. The ultimate goal is to get the best coverage possible at the best cost, but do not skimp to save money.

Low-cost 1997 Nissan 200SX insurance is attainable online and also from your neighborhood agents, and you need to price shop both to have the best chance of lowering rates. Some insurance providers don’t offer rates over the internet and most of the time these regional insurance providers provide coverage only through independent agencies.

Consumers switch companies for any number of reasons including not issuing a premium refund, delays in paying claims, an unsatisfactory settlement offer and lack of trust in their agent. No matter why you want to switch, finding a new insurance coverage company is easier than you think.

Other information

• Eight Auto Insurance Myths (Insurance Information Insitute)
• Smart Auto Insurance Tips (Insurance Information Insitute)
• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• Get the Right Protection (InsureUonline.org)

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