1998 Nissan 200SX Insurance Rates

If you’re looking for lower-priced insurance, are you baffled by the wide range of car insurance providers that you can choose from? You’re not alone. Consumers have so many choices that it can quickly become a lot of work to find the perfect company for you.

Consumers should take time to do rate comparisons on a regular basis because insurance rates are usually higher with each renewal. Even if you got the lowest premium rates for 200SX insurance a couple years back other companies may now be cheaper. You can find a lot of information about car insurance on the internet, but in a few minutes you can learn some solid techniques on how to buy car insurance cheaper.

How do car insurance companies determine Nissan 200SX insurance prices?

Multiple criteria are considered when you get your auto insurance bill. Some are obvious such as traffic violations, but others are less apparent such as whether you are married or your commute time.It’s important that you understand a few of the rating criteria that aid in calculating the level of your policy premiums. If you understand what influences your rates, this allows you to make educated decisions that can help you get cheaper rates.

The list below includes some of the most common factors used by companies to determine rates.

• Prevent theft and save – Buying a car with an alarm system can earn a premium discount. Advanced theft deterrents such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all help prevent auto theft and help lower rates.
• Lower prices with no policy lapses – Driving your car without having proper coverage is against the law and your next policy will cost more because you let your coverage have a gap. And not only will insurance be more expensive, not being able to provide proof of insurance could result in a revoked license or a big fine.
• How much liability coverage do you need? – Liability insurance kicks in in the event that you are responsible for causing personal injury or damage in an accident. This coverage provides legal defense coverage which can be incredibly expensive. This coverage is relatively inexpensive as compared to coverage for physical damage, so drivers should buy more than the minimum limits required by law.
• Insurance rates in urban areas – Residing in smaller towns and rural areas of the country has definite advantages when buying car insurance. Fewer drivers on the road means a lower chance of having an accident in addition to lower liability claims Drivers who live in large cities regularly have more traffic problems and a longer drive to work. Spending more time driving means more chances of being involved in an auto accident.

The quickest way to compare insurance rates in your area is to understand most of the larger companies have advanced systems to provide you with a free rate quote. All consumers are required to do is give them rating details such as your job, how much you drive, how your vehicles are used, and how much coverage you want. The data is instantly submitted to insurance carriers in your area and you will receive price estimates instantly to find the best rate.

Car insurance policy discounts

Car insurance is expensive, but there may be some discounts to reduce the price significantly. Some discounts apply automatically when you purchase, but a few must be manually applied before being credited. If you check and find you aren’t receiving every discount possible, you’re just leaving money on the table.

• Paperwork-free – Some of the larger companies give back up to $50 for buying your policy over the internet.
• Organization Discounts – Having an affiliation with a civic or occupational organization could trigger savings on your next renewal.
• Student Discounts – Maintaining excellent grades may save you up to 25%. Earning this discount can benefit you up to age 25.
• Safety Course Discount – Participating in a class that teaches defensive driver techniques may get you a small discount and also improve your driving technique.
• Drive Less and Save – Fewer annual miles on your Nissan could be rewarded with substantially lower premium rates.
• Distant Student Discount – who live away from home to go to college and do not take a car to college may be able to be covered for less.

It’s important to understand that most credits do not apply to your bottom line cost. Most only reduce the cost of specific coverages such as collision or personal injury protection. Even though it may seem like you could get a free car insurance policy, it doesn’t quite work that way. But any discount should help reduce your policy premiums.

For a list of insurance companies that offer the discounts shown above, click here to view.

How do I know if I need professional advice?

When buying proper insurance coverage, there really is no best way to insure your cars. Every insured’s situation is different.

For instance, these questions can aid in determining whether or not you might need an agent’s assistance.

• Am I covered if I drive in a foreign country?
• Will my vehicle be repaired with OEM or aftermarket parts?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• What are the best liability limits?
• How do I buy GAP insurance?
• Do I need medical payments coverage since I have good health insurance?

If you don’t know the answers to these questions then you might want to talk to an agent. To find an agent in your area, simply complete this short form.

Car insurance 101

Knowing the specifics of a car insurance policy can be of help when determining the right coverages for your vehicles. The terms used in a policy can be confusing and reading a policy is terribly boring.

Medical costs insurance

Coverage for medical payments and/or PIP pay for immediate expenses for things like chiropractic care, X-ray expenses, prosthetic devices and funeral costs. They are often utilized in addition to your health insurance plan or if you are not covered by health insurance. It covers all vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is not universally available and may carry a deductible

Liability auto insurance

Liability insurance can cover damages or injuries you inflict on other’s property or people that is your fault. This coverage protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have a combined limit that pays claims from the same limit without having the split limit caps.

Liability can pay for claims like medical services, structural damage, repair costs for stationary objects and funeral expenses. How much liability should you purchase? That is a personal decision, but buy as high a limit as you can afford.

UM/UIM Coverage

This protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Collision coverage

This pays for damage to your 200SX resulting from a collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things like sideswiping another vehicle, colliding with a tree and hitting a mailbox. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. You can also increase the deductible in order to get cheaper collision rates.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things such as hail damage, hitting a bird and a broken windshield. The maximum amount a car insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Cheaper insurance is a realistic goal

Cheap 1998 Nissan 200SX insurance can be bought from both online companies and with local insurance agents, and you should be comparing both to have the best selection. Some insurance companies don’t offer online rate quotes and these small insurance companies prefer to sell through independent agents.

While you’re price shopping online, do not buy poor coverage just to save money. In many instances, someone sacrificed liability limits or collision coverage to discover at claim time that it was a big mistake. The aim is to buy a smart amount of coverage at the best price while not skimping on critical coverages.

People who switch companies do it for a number of reasons such as high rates after DUI convictions, high prices, unfair underwriting practices and delays in paying claims. Whatever your reason, finding a new insurance company is pretty easy and you might even save some money in the process.

Even more information can be read at these sites:

• Medical Payments Coverage (Liberty Mutual)
• Protect Yourself Against Auto Theft (Insurance Information Insitute)
• Teen Driving and Texting (State Farm)
• What is Full Coverage? (Allstate)
• Auto Insurance Learning Center (State Farm)
• Protecting Teens from Drunk Driving (Insurance Information Insitute)