1992 Nissan 240SX Car Insurance Cost

Trying to find better insurance rates for your Nissan 240SX? Buying the lowest cost insurance is overwhelming for vehicle owners that are relatively new to online price comparisons. With dozens of insurance companies available, how can drivers possibly compare every company in order to find lower insurance premiums?

The most recommended method to get policy rate comparisons is to know most of the bigger providers participate in online systems to give you rate quotes. To get started, all you need to do is give the companies some data like whether you are single or married, whether or not you need a SR-22, your job, and whether you drive to work or school. That rating data is then sent to multiple companies and you will get price comparisons quickly.

Tailor your auto insurance coverage to you

When buying adequate coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Every situation is different.

For example, these questions may help highlight if your insurance needs may require specific advice.

  • What are the best liability limits?
  • Am I missing any policy discounts?
  • Should I drop comprehensive coverage on older vehicles?
  • Can my babysitter drive my car?
  • Do I pay less if my vehicle is kept in my garage?
  • Should I buy full coverage?
  • What if I owe more than I can insure my car for?

If it’s difficult to answer those questions, you may need to chat with an insurance agent. If you don’t have a local agent, take a second and complete this form.

Car insurance coverages 101

Understanding the coverages of your car insurance policy helps when choosing the right coverages and proper limits and deductibles. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Comprehensive protection – This will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as damage from flooding, falling objects, vandalism, fire damage and rock chips in glass. The maximum amount your car insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision coverage – This coverage covers damage to your 240SX resulting from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims like crashing into a ditch, hitting a mailbox and driving through your garage door. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Medical expense coverage – Med pay and PIP coverage reimburse you for short-term medical expenses like X-ray expenses, pain medications, nursing services, doctor visits and rehabilitation expenses. The coverages can be used in conjunction with a health insurance plan or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Uninsured or underinsured coverage – Your UM/UIM coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Nissan 240SX.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Liability – This can cover damage or injury you incur to other people or property that is your fault. This coverage protects you from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 25/50/25 that means you have a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability can pay for claims like court costs, bail bonds and repair bills for other people’s vehicles. How much coverage you buy is a decision to put some thought into, but buy higher limits if possible.