Lower Your 1995 Nissan 200SX Car Insurance Cost

Searching for better auto insurance rates for your Nissan 200SX? Overpriced Nissan 200SX insurance can diminish your accounts and force you to cut corners elsewhere. Comparison shopping can save money and help to make sure you’re not throwing money away.

Drivers have multiple auto insurance companies to pick from, and although it’s a good thing to be able to choose, too many choices makes it more difficult to get the best deal.

Smart consumers take time to get comparison quotes quite often because insurance prices trend upward over time. Despite the fact that you may have had the lowest price for 200SX insurance six months ago there may be better deals available now. Block out anything you think you know about auto insurance because I’m going to let you in on the secrets to how to use online quotes to eliminate unnecessary coverages and save money.

Insurance coverage companies offer money-saving discounts

Insuring your fleet can be pricey, but there’s a good chance there are discounts that many consumers don’t even know exist. Certain discounts will be applied when you complete an application, but a few need to be asked about in order for you to get them. If you check and find you aren’t receiving every discount you qualify for, you may be paying too high a price.

  • Discounts for Seat Belt Usage – Drivers who require all vehicle occupants to buckle up could cut 10% or more off the PIP or medical payment premium.
  • Passive Restraints – Vehicles equipped with air bags may get savings of 25 to 30%.
  • Federal Employees – Active or former government employment could provide a small rate reduction for 200SX insurance with a few insurance coverage companies.
  • Homeowners Pay Less – Owning your own home or condo can earn you a little savings because of the fact that having a home requires a higher level of personal finance.
  • Active Military Service – Having an actively deployed family member could qualify you for better rates.
  • Defensive Driver Discounts – Taking a safe driver course could cut 5% off your bill and easily pay for the cost of the class.
  • Early Signing – A few companies offer discounts for buying a new policy before your current coverage expires. This can save 10% or more.
  • Claim-Free Discount – Good drivers with no accidents pay much less compared to accident-prone drivers.

A little note about advertised discounts, many deductions do not apply to all coverage premiums. Most only reduce specific coverage prices like physical damage coverage or medical payments. If you do the math and it seems like all the discounts add up to a free policy, you’re out of luck.

To see insurers that offer many of these discounts, follow this link.

Insurance prices are influenced by these factors

Multiple criteria are used in the calculation when premium rates are determined. Most are fairly basic like an MVR report, but other factors are not as apparent like where you live and annual miles driven.

The factors shown below are a partial list of the pieces used by companies to determine your premiums.

  • Insurance companies don’t like frequent insurance coverage claims – Companies provide discounts to insureds who file claims infrequently. If you frequently file small claims, you can pretty much guarantee either policy cancellation or increased premiums. Your car insurance is intended for larger claims.
  • Male premiums may be higher – The statistics show that women are safer drivers than men. Now that doesn’t mean females are better at driving than males. Both genders cause at-fault accidents in similar numbers, but guys get into accidents with more damage. Men also tend to get more serious tickets like reckless driving and DUI. Male teenagers are the most expensive to insure and are penalized with high insurance coverage rates.
  • Age of drivers impacts costs – Teen drivers are known to be inattentive and easily distracted when at the wheel of a vehicle therefore insurance coverage rates are much higher. Adding a first-time driver onto a policy will cause a huge premium hike. Mature drivers are viewed as being more responsible, cost insurance companies less in claims and are safer drivers.
  • Where do you drive? – The more you drive your Nissan each year the more you’ll pay to insure it. Almost all companies calculate rates based on their usage. Autos used primarily for pleasure use get more affordable rates than vehicles that have high annual mileage. It’s a good idea to make sure your insurance coverage coverage correctly shows the right rating data, because improper ratings can cost you money. An improperly rated 200SX can result in significantly higher rates.

Do I just need basic coverages?

When choosing adequate coverage for your vehicles, there is no “perfect” insurance plan. Every insured’s situation is different and your policy should reflect that. These are some specific questions may help you determine if your situation would benefit from professional advice.

  • Should I rate my 1995 Nissan 200SX as pleasure use or commute?
  • What is an SR-22 filing?
  • Is my cargo covered for damage or theft?
  • Can my teen drive my company car?
  • Am I covered when using my vehicle for business?
  • Should I bundle my homeowners policy with my auto?
  • How much liability insurance is required?
  • Do I have coverage if my license is suspended?
  • Do I need motorclub coverage?
  • Exactly who is provided coverage by my policy?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies. It’s fast, free and you can get the answers you need.

Insurance specifics

Understanding the coverages of a insurance policy helps when choosing the best coverages and the correct deductibles and limits. Insurance terms can be difficult to understand and coverage can change by endorsement. Shown next are typical coverages offered by insurance companies.

Medical expense coverage

Med pay and PIP coverage provide coverage for immediate expenses such as rehabilitation expenses, X-ray expenses, nursing services, pain medications and prosthetic devices. They are used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Coverage applies to both the driver and occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and also any damage incurred to your Nissan 200SX.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually the UM/UIM limits are set the same as your liablity limits.

Collision protection

Collision insurance covers damage to your 200SX caused by collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like crashing into a building, damaging your car on a curb, rolling your car, colliding with a tree and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

Liability coverage

Liability coverage provides protection from damage that occurs to other’s property or people in an accident. It protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 25/50/25 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Occasionally you may see a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers things such as medical services, legal defense fees and emergency aid. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive protection

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as vandalism, a broken windshield, damage from flooding, hitting a bird and falling objects. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

A little work can save a LOT of money

In this article, we covered a lot of ways to lower your 1995 Nissan 200SX insurance rates. It’s most important to understand that the more providers you compare, the better likelihood of getting affordable car insurance. You may even discover the lowest priced insurance comes from a smaller regional carrier. They can often insure niche markets at a lower cost than the large multi-state companies such as Progressive and GEICO.

Cheaper 1995 Nissan 200SX insurance is attainable from both online companies in addition to many insurance agents, so you should compare both to have the best chance of lowering rates. There are still a few companies who may not offer price quotes online and these small, regional companies only sell coverage through independent agents.

Even more information can be found at these sites: