Cheap 1997 Nissan 200SX Insurance Rates

Searching for the cheapest insurance coverage rates for your Nissan 200SX? Comparison shopping for more affordable Driversinsurance coverage is always slightly frustrating for drivers not familiar with shopping for insurance online. With so many agents and online companies, it can turn into a real challenge to locate the lowest price.

Finding affordable coverage is easy if you know what you’re doing. If you currently have a car insurance policy, you stand a good chance to be able to reduce your rates substantially using this information. But car owners can benefit by having an understanding of how the larger insurance companies sell online and use this information to your advantage.

Discounts can really help lower premiums

Companies do not list all available discounts very well, so the list below details both well-publicized as well as some of the hidden discounts that you can inquire about if you buy car insurance online.

  • Professional Memberships – Belonging to specific professional or occupational memberships or organizations is a simple method to lower premiums when getting a car insurance quote.
  • Good Drivers – Insureds who avoid accidents could pay up to 40% less for 200SX coverage than their less cautious counterparts.
  • Paperless Signup – Certain larger companies will give a small break simply for signing over the internet.
  • Discount for Home Ownership – Just being a homeowner may trigger a policy discount on car insurance because it requires personal responsibility.
  • Discount for Multiple Policies – If you can combine your auto and home policy with the same company you could get a discount of up to 20% and get you cheaper car insurance.
  • Discounts for Government Workers – Active or retired federal employment may qualify for a discount when you quote car insurance for 200SX coverage with some car insurance companies.

As a footnote on discounts, most discount credits are not given to the entire policy premium. Most only reduce individual premiums such as comprehensive or collision. So even though they make it sound like having all the discounts means you get insurance for free, you’re out of luck.

The best car insurance companies and a partial list of their discounts are detailed below.

  • State Farm may offer discounts for Steer Clear safe driver discount, good driver, passive restraint, driver’s education, anti-theft, multiple autos, and defensive driving training.
  • GEICO has discounts for military active duty, multi-vehicle, driver training, air bags, and anti-theft.
  • SAFECO may include discounts for drive less, multi-car, safe driver, accident prevention training, and homeowner.
  • Farmers Insurance offers premium reductions for homeowner, early shopping, mature driver, multi-car, switch companies, alternative fuel, and teen driver.
  • AAA offers discounts for pay-in-full, good student, multi-car, AAA membership discount, education and occupation, good driver, and multi-policy.
  • USAA includes discounts for defensive driver, new vehicle, family discount, military installation, and good student.

When quoting, ask every company which discounts you qualify for. Some credits may not be available in your area. To see car insurance companies that offer many of these discounts, click this link.

The best way to compare car insurance company rates is to understand almost all companies allow for online access to quote your coverage. To begin a comparison, all you need to do is provide information including the make and model of your vehicles, whether or not you need a SR-22, your general credit rating, and your education level. Your information is instantly sent to many different companies and you will receive price estimates within a short period of time.

Nissan 200SX insurance prices can be reduced

One of the most helpful ways to save on insurance is to to have a grasp of some of the factors that aid in calculating your premiums. When you know what positively or negatively influences your rates, this allows you to make good choices that can help you get much lower annual insurance costs. Many things are considered when you get a price on insurance. A few of the factors are predictable such as your driving record, but other criteria are less apparent like your continuous coverage or your commute time.

  • Save mileage and save money – The more miles you rack up on your Nissan in a year’s time the higher your rates will be. Almost all companies calculate prices partially by how you use the vehicle. Cars and trucks used primarily for pleasure use receive better premium rates than vehicles that are driven to work every day. Verify your vehicle rating is rated on the correct driver usage, because improper ratings can cost you money. Incorrect rating for your 200SX is just wasting money.
  • Accidents are costly – Good drivers tend to pay less for car insurance than bad drivers. Only having one speeding ticket may increase your cost twenty percent or more. Drivers who have careless tickets such as DUI, reckless driving or excessive speeding may face state-mandated requirements to submit a SR-22 or proof of financial responsibility with their state DMV in order to continue driving.
  • Policy claims cost money – If you are a frequent claim filer, you shouldn’t be surprised to get either higher rates or even cancellation. Companies provide discounts to drivers who do not file claims often. Auto insurance is designed for larger claims.
  • Don’t buy extra coverages that may not be needed – There are a lot of additional extra coverages that can waste your money if you aren’t diligent. Coverage for things like rental car coverage, towing, and term life insurance may be costing you every month. They may seem like a good idea at first, but your needs may have changed so eliminate them to save money.
  • Younger drivers pay higher rates – Teenage drivers have a tendency to be careless and easily distracted behind the wheel therefore insurance rates are much higher. Having to add a young driver onto your insurance can be quite pricey. Older drivers are proven to be safer behind the wheel, file fewer claims and receive fewer citations.
  • Your address can push rates up or down – Being located in less populated areas of the country has it’s advantages when it comes to insurance. Residents of big cities tend to have more auto accidents and more severe claims. Fewer people means less chance of accidents and also fewer theft and vandalism claims.

Will just any policy work for me?

When it comes to choosing coverage, there is no one size fits all plan. Everyone’s needs are different.

Here are some questions about coverages that might help in determining whether your personal situation may require specific advice.

  • Am I covered if I hit my neighbor’s mailbox?
  • Do I need higher collision deductibles?
  • Where can I find DUI or SR-22 insurance?
  • What companies insure drivers after a DUI or DWI?
  • Is a blown tire covered by insurance?
  • How does medical payments coverage work?
  • Should I have a commercial auto policy?
  • Do I need roadside assistance coverage?
  • Is a new car covered when I drive it off the dealer lot?
  • Is there coverage for injuries to my pets?

If you can’t answer these questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, complete this form.

Insurance policy coverages for a Nissan 200SX

Knowing the specifics of your policy can help you determine the right coverages at the best deductibles and correct limits. Insurance terms can be difficult to understand and coverage can change by endorsement.

Auto collision coverage

This pays for damage to your 200SX resulting from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like backing into a parked car, driving through your garage door, damaging your car on a curb and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Auto liability

This coverage protects you from injuries or damage you cause to other’s property or people that is your fault. This insurance protects YOU against other people’s claims. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability insurance covers claims like repair costs for stationary objects, court costs, medical expenses, repair bills for other people’s vehicles and pain and suffering. The amount of liability coverage you purchase is a personal decision, but consider buying higher limits if possible.

Coverage for medical payments

Coverage for medical payments and/or PIP reimburse you for expenses for things like funeral costs, X-ray expenses, rehabilitation expenses, doctor visits and chiropractic care. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover all vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive coverages

This pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like a tree branch falling on your vehicle, hitting a bird, a broken windshield and rock chips in glass. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Uninsured and underinsured coverage

This coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your Nissan 200SX.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Summing up your car insurance search

Consumers switch companies for many reasons like not issuing a premium refund, delays in paying claims, high rates after DUI convictions or policy non-renewal. No matter why you want to switch, finding a great new company can be pretty painless.

Some companies may not have rates over the internet and these regional insurance providers only sell through local independent agencies. Budget-friendly car insurance is attainable online and with local insurance agents, so you need to compare both in order to have the best price selection to choose from.

When buying insurance coverage, it’s not a good idea to sacrifice coverage to reduce premiums. There are many occasions where an insured cut liability coverage limits only to find out that it was a big error on their part. Your aim should be to buy enough coverage for the lowest cost while not skimping on critical coverages.

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