Lower Your 1991 Nissan Truck Insurance Rates

Have you finally had enough of sacrificing to pay your insurance bill each month? You are in the same boat as most other consumers.

Consumers have so many car insurance companies to pick from, and though it is a good thing to have a choice, so many choices can make it hard to compare rates.

The quickest method we recommend to compare rates is to know the fact most of the bigger providers participate in online systems to give you rate quotes. To start a quote, the only thing you need to do is give the companies some data like how your vehicles are used, if a SR-22 is needed, the year, make and model of vehicles, and how old drivers are. The data is instantly provided to many highly-rated insurers and they return cost estimate instantly to find the best rate.

How to know if you need help

When choosing the best insurance coverage, there really is no best way to insure your cars. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For instance, these questions might point out if you will benefit from professional help.

Am I covered by my spouse’s policy after a separation?
Do I pay less if my vehicle is kept in my garage?
Does my 1991 Nissan Truck need full coverage?
Do I need medical payments coverage since I have good health insurance?
Are all vehicle passengers covered by medical payments coverage?
Is my cargo covered for damage or theft?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area.

Car insurance coverages and their meanings

Having a good grasp of car insurance can be of help when determining the best coverages and the correct deductibles and limits. Car insurance terms can be confusing and even agents have difficulty translating policy wording. Shown next are typical coverages offered by car insurance companies.

Coverage for liability

This provides protection from injuries or damage you cause to a person or their property. It protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 100/300/100 which stand for a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability insurance covers claims such as attorney fees, loss of income and emergency aid. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive coverage

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like fire damage, a broken windshield and a tree branch falling on your vehicle. The maximum amount you can receive from a comprehensive 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.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as colliding with another moving vehicle, scraping a guard rail, rolling your car, crashing into a building and crashing into a ditch. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. It’s also possible to increase the deductible to save money on collision insurance.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for things like chiropractic care, nursing services, surgery and pain medications. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants as well as getting struck while a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage gives you protection when other motorists do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Nissan Truck.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.