1998 Nissan 200SX Insurance Rates

Looking for the cheapest insurance coverage rates for your Nissan 200SX? Sick and tired of sacrificing other expenses to keep your car insured? You are no different than millions of other drivers. Companies like GEICO, Farmers Insurance and State Farm constantly blast consumers with advertising and it can be hard to see through the deception and effectively compare rates to find the best deal.

It is always a good idea to compare rates periodically since prices change regularly. Even if you think you had the lowest rates for 200SX insurance a few years ago you may be paying too much now. You can search a lot of insurance coverage out there, but I’m going to show you some proven techniques to slash your insurance coverage rates.

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Take these eight policy discounts and save

Companies offering auto insurance don’t always advertise every disount available in a way that’s easy to find, so the below list has both well-publicized as well as the least known credits that may apply to you.

Passive Restraints and Air Bags – Factory options such as air bags and/or automatic seat belt systems may qualify for discounts of more than 20%.
Claim-Free Discount – Drivers who stay claim-free are rewarded with significantly better rates on car insurance quote when compared with accident-prone drivers.
Theft Deterent System – Anti-theft and alarm system equipped vehicles help deter theft and earn discounts up to 10% off your car insurance quote.
Accident Forgiveness Coverage – but a few companies such as State Farm and GEICO will forgive one accident without getting socked with a rate hike so long as you haven’t had any claims for a certain period of time.
Discounts for Federal Employees – Active or former government employment may reduce rates when you quote car insurance for 200SX insurance with a few insurance companies.
Mature Driver Discount – Seniors may be able to get a slight reduction on a car insurance quote for 200SX insurance.
Drive Less and Save – Keeping the miles down on your Nissan may allow you to get discounted prices on garaged vehicles.
Active Military Service – Being on active duty in the military could mean lower prices.

Don’t be surprised that some credits don’t apply to the entire policy premium. Most only reduce the cost of specific coverages such as liability and collision coverage. Even though it appears all those discounts means the company will pay you, insurance companies aren’t that generous.

Companies and the discounts they provide can be found below.

Progressive offers discounts for multi-policy, online signing, multi-vehicle, continuous coverage, and online quote discount.
The Hartford offers premium reductions for bundle, driver training, anti-theft, air bag, vehicle fuel type, and defensive driver.
Mercury Insurance offers discounts including multi-car, professional/association, good driver, good student, low natural disaster claims, age of vehicle, and location of vehicle.
GEICO may include discounts for military active duty, defensive driver, multi-vehicle, good student, and anti-theft.
AAA may offer discounts for education and occupation, pay-in-full, good driver, anti-theft, multi-policy, AAA membership discount, and multi-car.
State Farm may have discounts that include Drive Safe & Save, multiple policy, Steer Clear safe driver discount, anti-theft, and student away at school.

Before purchasing a policy, check with each company or agent which discounts you may be entitled to. Some credits might not be offered everywhere. To view insurance companies who offer insurance discounts, click here.

The quickest method we recommend to compare insurance rates in your area is to know the fact most larger insurance companies participate in a system to quote your coverage. All you need to do is spend a couple of minutes providing details including how much education you have, if it has an anti-theft system, how much you drive, and whether you are married. That rating data is then sent to multiple insurance coverage providers and you will get price comparisons within a short period of time.

To compare rates now, click here and complete the form.

Which policy gives me the best coverage?

When it comes to choosing the right insurance coverage for your vehicles, there really is no best way to insure your cars. Every insured’s situation is different and a cookie cutter policy won’t apply. These are some specific questions can help discover if your insurance needs might need professional guidance.

When would I need additional glass coverage?
Will I be non-renewed for getting a DUI or other conviction?
Can I get a multi-policy discount?
If I drive on a suspended license am I covered?
Am I covered by my spouse’s policy after a separation?
I have a DUI can I still get coverage?
I have health insurance so do I need medical payments coverage?
Why am I required to buy high-risk coverage?
Is a blown tire covered by insurance?
What vehicles should carry emergency assistance coverage?

If you’re not sure about those questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area. It is quick, free and can help protect your family.

The coverage is in the details

Knowing the specifics of a car insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. These are the usual coverages found on most car insurance policies.

Liability insurance

Liability coverage protects you from damage that occurs to other people or property. It protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 that means you have a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers claims such as pain and suffering, funeral expenses and court costs. How much coverage you buy is a personal decision, but consider buying as high a limit as you can afford.

Uninsured and underinsured coverage

Your UM/UIM coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Coverage for medical payments

Coverage for medical payments and/or PIP kick in for bills like hospital visits, EMT expenses and ambulance fees. They can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and also covers if you are hit as a while walking down the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive coverages

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims like hitting a deer, a broken windshield and theft. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for collisions

This will pay to fix damage to your 200SX 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 such as crashing into a ditch, colliding with a tree, damaging your car on a curb, hitting a parking meter and hitting a mailbox. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Be a smart shopper

When shopping online for insurance, it’s not a good idea to reduce coverage to reduce premium. There are a lot of situations where someone sacrificed collision coverage only to find out that it was a big error on their part. Your aim should be to purchase plenty of coverage for the lowest cost and still be able to protect your assets.

Lower-priced 1998 Nissan 200SX insurance is available both online and from local agencies, and you need to price shop both so you have a total pricing picture. Some companies may not have internet price quotes and usually these small insurance companies provide coverage only through local independent agencies.