1994 Nissan 240SX Insurance Quotes – 5 Tips for Cheaper Rates

Want cheaper insurance rates for your Nissan 240SX? No car owner looks forward to buying insurance, especially when they are aware that the price is too high.

Vehicle owners have many insurance companies to buy insurance from, and even though it’s nice to have a choice, lots of choices makes it harder to find a good deal.

Choosing the best insurance company for you is quite easy. If you currently have car insurance, you will be able to reduce your rates substantially using this information. Nevertheless, consumers must know how the larger insurance companies price insurance differently and use this information to your advantage.

Cheap insurance quotes with discounts

Insurance is not inexpensive, but companies offer discounts that you may not even be aware of. Certain discounts will be applied when you get a quote, but some must be asked about prior to getting the savings. If you don’t get every credit available, you could be paying more than you need to.

  • Save with More Vehicles Insured – Purchasing coverage when you have multiple cars or trucks on the same insurance policy could earn a price break for each car.
  • Theft Deterent System – Anti-theft and alarm system equipped vehicles have a lower chance of being stolen so companies will give you a small discount.
  • Pay Early and Save – If you pay your entire premium ahead of time rather than paying in monthly installments you can avoid the installment charge.
  • Include Life Insurance and Save – Some insurance companies give a discount if you purchase some life insurance in addition to your auto policy.
  • Policy Bundle Discount – When you have multiple policies and insure them both with the same insurance company you could earn a discount of 10% to 20% off each policy.

One last thing about discounts, some credits don’t apply to all coverage premiums. A few only apply to individual premiums such as liability, collision or medical payments. Despite the fact that it seems like all those discounts means the company will pay you, nobody gets a free ride.

Larger insurance companies and some of the premium reductions they offer are shown below.

  • Progressive has discounts for good student, multi-policy, continuous coverage, homeowner, multi-vehicle, online quote discount, and online signing.
  • SAFECO offers premium reductions for accident prevention training, bundle discounts, teen safety rewards, anti-lock brakes, anti-theft, and drive less.
  • American Family policyholders can earn discounts including multi-vehicle, mySafetyValet, good driver, Steer into Savings, good student, air bags, and early bird.
  • MetLife offers discounts including accident-free, good driver, good student, multi-policy, defensive driver, and claim-free.
  • GEICO offers discounts for defensive driver, military active duty, seat belt use, anti-lock brakes, multi-policy, membership and employees, and good student.
  • The Hartford has savings for air bag, driver training, good student, defensive driver, anti-theft, and bundle.

When getting a coverage quote, ask each company or agent which discounts you may be entitled to. Savings may not apply to policyholders in your state. If you would like to choose from a list of insurance companies that can offer you the previously mentioned discounts, click here to view.

Tailor your auto insurance coverage to you

When it comes to buying proper insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Everyone’s needs are different so your insurance needs to address that. For example, these questions may help highlight if your insurance needs would benefit from professional advice.

  • Am I covered when pulling a rental trailer?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Which companies will insure high-risk drivers?
  • What is UM/UIM insurance?
  • Is upholstery damage covered by car insurance?
  • What vehicles should carry emergency assistance coverage?
  • Do I get a pro-rated refund if I cancel my policy early?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies.

Car insurance policy specifics

Having a good grasp of a car insurance policy can help you determine the right coverages for your vehicles. The terms used in a policy can be difficult to understand and coverage can change by endorsement. Listed below are the usual coverages available from car insurance companies.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. It can pay for injuries to you and your family and damage to your Nissan 240SX.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance pay for immediate expenses like funeral costs, prosthetic devices and ambulance fees. They can be utilized in addition to your health insurance program or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive car insurance

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as rock chips in glass, theft, damage from getting keyed, a broken windshield and hitting a deer. The most you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability insurance

Liability insurance can cover injuries or damage you cause to people or other property. It protects YOU from claims by other people. Liability 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. As an example, you may have limits of 25/50/25 that translate to a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability can pay for things such as court costs, funeral expenses, attorney fees, pain and suffering and repair bills for other people’s vehicles. How much liability should you purchase? That is your choice, but consider buying as much as you can afford.

Collision coverage

This coverage will pay to fix damage to your 240SX from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as crashing into a ditch, hitting a parking meter and scraping a guard rail. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible to save money on collision insurance.

Online plus local equals savings

You just read a lot of ways to get a better price on 1994 Nissan 240SX insurance. The most important thing to understand is the more rate quotes you have, the better likelihood of getting cheap auto insurance. You may be surprised to find that the best premium rates are with an unexpected company. Regional companies may often insure only within specific states and give getter rates than their larger competitors like Allstate or State Farm.

When buying insurance coverage, make sure you don’t buy less coverage just to save a little money. There have been many situations where someone sacrificed physical damage coverage only to find out that saving that couple of dollars actually costed them tens of thousands. The goal is to purchase plenty of coverage at the best possible price but still have enough coverage for asset protection.

Much more information about car insurance can be read at these links: