1996 Nissan 200SX Car Insurance Quotes

No normal person gets a kick out of paying for auto insurance, especially when they are aware that the cost is way too high. Insurance companies such as Progressive, GEICO and Farmers Insurance constantly bombard you with ads and consumers find it hard to see through the cute green geckos and mayhem and find the best price available.

Car Insurance Discounts

Insuring your fleet can be pricey, but there could be available discounts to reduce the price significantly. A few discounts will automatically apply at the time you complete a quote, but some may not be applied and must be specifically requested before you will receive the discount.

  • More Vehicles More Savings – Drivers who insure multiple cars on a single policy could earn a price break for each car.
  • Homeowners Pay Less – Owning a house can help you save on car insurance since owning and maintaining a home is proof of financial responsibility.
  • Passive Restraint Discount – Options like air bags or automatic seat belts can get savings of 20% or more.
  • Discounts for Cautious Drivers – Insureds who avoid accidents can save as much as half off their rates on 200SX insurance compared to rates paid by drivers with frequent claims.
  • Theft Prevention System – Cars equipped with tracking devices and advanced anti-theft systems help deter theft and that can save you a little bit as well.
  • Sign Online – A few insurance companies give back up to $50 just for signing your application on the web.
  • Early Renewal Discounts – A few larger companies give discounts for switching to them prior to your current policy expiring. You can save around 10% with this discount.
  • Driving Data Discount – Drivers who elect to allow companies to monitor driving patterns remotely such as State Farm’s In-Drive could save a few bucks if their driving habits are good.
  • Active Service Discounts – Being on active duty in the military could trigger a small discount.
  • Senior Citizen Discount – If you qualify as a senior citizen, you can get a small decrease in premiums on 200SX insurance.

As a disclaimer on discounts, most credits do not apply to the entire cost. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. Even though it may seem like adding up those discounts means a free policy, companies wouldn’t make money that way. Any qualifying discounts will cut the cost of your policy.

To see a list of insurers that provide some of the discounts listed above, follow this link.

Find cheap car insurance with these tips

Lots of things are used when you get a price on insurance. A few of the factors are predictable like your driving record, but other criteria are less apparent such as your credit history or how financially stable you are.Part of the car insurance buying process is learning some of the factors that help determine the level of your policy premiums. If you have a feel for what controls the rates you pay, this allows you to make good choices that may result in lower rates.

  • Avoid policy lapses – Driving your car without having proper coverage is against the law and companies may charge more for letting your insurance coverage expire. Not only will you pay higher rates, not being able to provide proof of insurance will get you a revoked license or a big fine.
  • Insure car and home with the same company – Lots of car insurance companies provide discounts to people that purchase more than one policy, otherwise known as a multi-policy discount. Discounts can amount to ten or even fifteen percent. If you currently are using one company, you still need to check prices from other companies to make sure you are getting the best deal.There is a good possibility that you can save more without the discount by buying car insurance from a different company.
  • Careless drivers pay higher prices – Having a single chargable violation can increase rates forty percent or more. Drivers who don’t get tickets get better prices as compared to those with violations. People who have serious tickets such as DWI, reckless driving or hit and run convictions may need to file a SR-22 with their state DMV in order to prevent a license revocation.
  • Liability insurance is cheap – A critical coverage on your policy, liability insurance is the coverage that protects you in the event that you are responsible for an accident. It will provide legal defense starting from day one. It is affordable coverage when compared to the cost of physical damage coverage, so do not cut corners here.
  • Poor credit score equals high rates – Having a good credit rating can be a huge factor in determining your rates. If your credit score can use some improvement, you could pay less to insure your 1996 Nissan 200SX if you improve your credit rating. Consumers who have very good credit scores tend to be better risks to insure as compared to drivers with poor credit.
  • Older drivers save more – Mature drivers are proven to be safer behind the wheel, are lower risk to insure , and are generally more financially stable.Youthful drivers have a tendency to be inattentive and easily distracted when driving with friends and because of this, their car insurance rates are much higher.

Tailor your auto insurance coverage to you

When buying the best auto insurance coverage for your vehicles, there isn’t really a single plan that fits everyone. Every insured’s situation is different so your insurance needs to address that. These are some specific questions may help highlight whether you would benefit from professional advice.

  • What is roadside assistance coverage?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • When should I drop full coverage on my 1996 Nissan 200SX?
  • Are rental cars covered under my policy?
  • What happens if I owe more than my 1996 Nissan 200SX is worth?
  • Am I covered when driving on a suspended license?
  • Can I rent a car in Mexico?
  • Is my cargo covered for damage or theft?
  • Can my babysitter drive my car?
  • How many claims can I have before being cancelled?

If you’re not sure about those questions but a few of them apply, you may need to chat with an agent. If you want to speak to an agent in your area, complete this form or click here for a list of auto insurance companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Car insurance coverage information

Having a good grasp of a insurance policy helps when choosing which coverages you need for your vehicles. The terms used in a policy can be ambiguous and coverage can change by endorsement. Listed below are the normal coverages found on the average insurance policy.

Liability – This will cover damages or injuries you inflict on people or other property that is your fault. It protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for claims like medical expenses, pain and suffering, attorney fees, structural damage and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but you should buy as high a limit as you can afford.

Comprehensive insurance – Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like vandalism, damage from getting keyed and damage from flooding. The maximum payout you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

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. This is the reason having UM/UIM coverage is very important. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Coverage for medical expenses – Med pay and PIP coverage reimburse you for bills for surgery, pain medications, rehabilitation expenses and doctor visits. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants and also covers getting struck while a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

Collision coverages – Collision insurance covers damage to your 200SX resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as sustaining damage from a pot hole, damaging your car on a curb, crashing into a building, hitting a parking meter and rolling your car. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. It’s also possible to increase the deductible to get cheaper collision coverage.

One last thing

Affordable 1996 Nissan 200SX insurance is possible both online and also from your neighborhood agents, and you need to price shop both to have the best rate selection. Some insurance companies may not provide the ability to get a quote online and usually these smaller providers sell through independent insurance agents.

In this article, we covered a lot of ways to compare 1996 Nissan 200SX insurance prices online. The key thing to remember is the more price quotes you have, the better chance you’ll have of finding low cost auto insurance. Consumers could even find that the most savings is with some of the lesser-known companies. Some small companies may have significantly lower rates on certain market segments as compared to the big name companies such as Allstate or State Farm.

Additional detailed information is available at these sites: