Cheapest 1990 Nissan 240SX Insurance Rates in 2024
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UPDATED: May 28, 2023
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Scraping up a payment for overpriced Nissan 240SX insurance can take a big chunk out of your personal savings and put the squeeze on your family’s finances. Shopping your coverage around is free and is an excellent way to make sure you’re not throwing money away.
Online insurance companies like Allstate, Liberty Mutual and State Farm all claim big savings with TV and radio ads and it is challenging if not impossible to see past the corporate glitz and find the best price available.
It’s important to price shop coverage at least once a year because rates trend upward over time. Just because you had the lowest rates for 240SX insurance a couple years back you will most likely find a better rate today. Forget all the misinformation about car insurance because we’re going to demonstrate one of the best ways to find great coverage at a great price.
If you are paying for car insurance now, you stand a good chance to be able to lower your premiums substantially using these methods. Finding the best rates is not that difficult. But vehicle owners must understand the way insurance companies price insurance differently because it can help you find the best coverage.
Pay less by taking advantage of discounts
Insurance can cost an arm and a leg, but there are discounts available that many people don’t even know exist. Certain discounts will be triggered automatically when you complete an application, but less common discounts must be specially asked for prior to receiving the credit.
- Air Bag Discount – Cars that have air bags or automatic seat belts can receive discounts of 20% or more.
- Braking Control Discount – Cars that have steering control and anti-lock brakes are safer to drive and earn discounts up to 10%.
- College Student – Youth drivers living away from home attending college without a vehicle on campus may be able to be covered for less.
- Claim Free – Good drivers with no accidents pay less when compared to drivers who are more careless.
- Senior Citizens – If you’re over the age of 55, you can possibly qualify for a discount up to 10% for 240SX insurance.
- Drivers Education – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class if it’s offered in school.
- Multi-policy Discount – When you have multiple policies with the same insurance company you will save up to 20% off your total premium.
- New Car Discount – Insuring a new car can save up to 30% since new cars are generally safer.
As a disclaimer on discounts, many deductions do not apply to your bottom line cost. Most only apply to the price of certain insurance coverages like liability and collision coverage. Even though it may seem like you would end up receiving a 100% discount, insurance coverage companies aren’t that generous. But all discounts will help reduce the amount you have to pay.
To see a list of insurers with discount insurance coverage rates, click here.
Nissan 240SX rate determination is complex
Consumers need to have an understanding of some of the elements that play a part in calculating your insurance rates. Having a good understanding of what controls the rates you pay helps enable you to make changes that could result in big savings.
Shown below are a partial list of the pieces that factor into premiums.
- Do you need the policy add-ons? – There are quite a few add-on coverages that you can get tricked into buying when buying insurance. Coverages like personal injury protection, accidental death and motor club memberships may be wasting your money. They may seem good initially, but if you don’t need them get rid of them and save.
- Don’t sacrifice liability coverage – Your policy’s liability coverage provides coverage if ever a court rules you are at fault for damages from an accident. Liability provides you with a defense in court up to the limits shown on your policy. This coverage is very inexpensive as compared to coverage for physical damage, so buy as much as you can afford.
- Lower rates with optional equipment – Driving a car with a theft deterrent system can help bring down rates. Anti-theft features like GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder your vehicle from being stolen.
- An active claims history can cost you – Insurance companies provide better rates to insureds who do not file claims often. If you file claims often, you can expect either policy cancellation or increased premiums. Car insurance is intended to be relied upon for major claims that would cause financial hardship.
Your coverage should be tailored to you
When buying proper insurance coverage for your vehicles, there really is no single plan that fits everyone. Your needs are not the same as everyone else’s so this has to be addressed. These are some specific questions may help highlight whether or not you will benefit from professional help.
- Should I file a claim if it’s only slightly more than my deductible?
- Does my insurance cover my expensive audio equipment?
- When would I need rental car insurance?
- How can I get my company to pay me more for my totalled car?
- What is no-fault insurance?
- Do I have coverage for damage caused while driving under the influence?
If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier
Can you really save that much by switching?
Insurance providers like Allstate, GEICO and Progressive constantly bombard you with ads on television and other media. They all make the same claim that you can save if you switch to them. How do they all claim to save you money?
All the different companies can use profiling for the type of driver that makes them money. An example of a driver they prefer might be between 25 and 40, has no tickets, and drives less than 7,500 miles a year. A propective insured who fits that profile receives the best rates and most likely will pay quite a bit less when switching companies.
Potential insureds who don’t qualify for the requirements must pay higher premiums which usually ends up with business going elsewhere. The ads state “people who switch” not “everyone that quotes” save that kind of money. That’s why companies can state the savings.
This illustrates why drivers should compare as many rates as you can. It’s just too difficult to predict the company that will fit your personal profile best.
Parts of your car insurance policy
Understanding the coverages of your policy aids in choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Shown next are the normal coverages offered by car insurance companies.
UM/UIM (Uninsured/Underinsured Motorist) coverage
Your UM/UIM coverage gives you protection from other drivers when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Nissan 240SX.
Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Most of the time these coverages do not exceed the liability coverage limits.
Auto collision coverage
This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.
Collision coverage protects against things like hitting a mailbox, crashing into a building, backing into a parked car, damaging your car on a curb and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to bring the cost down.
Medical payments and PIP coverage
Coverage for medical payments and/or PIP pay for short-term medical expenses for nursing services, EMT expenses, pain medications and rehabilitation expenses. They are often used in conjunction with a health insurance program or if there is no health insurance coverage. Coverage applies to all vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay
Liability auto insurance
Liability coverage can cover damages or injuries you inflict on people or other property. It protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.
Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Alternatively, you may have a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.
Liability coverage protects against things such as attorney fees, court costs, medical expenses, bail bonds and structural damage. The amount of liability coverage you purchase is your choice, but consider buying higher limits if possible.
Comprehensive auto coverage
This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for claims like damage from getting keyed, fire damage, damage from flooding, falling objects and vandalism. The maximum amount a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.
Make an honest buck
While you’re price shopping online, it’s very important that you do not buy poor coverage just to save money. In many cases, drivers have reduced comprehensive coverage or liability limits and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your aim should be to buy enough coverage at an affordable rate.
Affordable 1990 Nissan 240SX insurance is available both online as well as from independent agents, so compare prices from both to have the best rate selection. A few companies don’t offer online price quotes and usually these small insurance companies provide coverage only through local independent agents.
You just read many ideas to get a better price on insurance. It’s most important to understand that the more providers you compare, the higher your chance of finding lower rates. Consumers could even find that the best prices are with a small local company. They can often insure niche markets at a lower cost as compared to the big name companies such as State Farm, GEICO and Nationwide.
Even more information is located at these sites:
- Drunk Driving Statistics (Insurance Information Insitute)
- Vehicle Safety Ratings (iihs.org)
- Safety Features for Your New Car (State Farm)
- Reducing Your Risks in a Car Crash Video (iihs.org)
- All About Airbag Safety (State Farm)
Frequently Asked Questions
How can I find the cheapest insurance for my 1990 Nissan 240SX?
To find the cheapest insurance for your 1990 Nissan 240SX, you can follow these steps:
- Shop around and compare quotes from multiple insurance companies. Different insurers may offer different rates based on their underwriting criteria.
- Consider increasing your deductible. A higher deductible can lower your insurance premium, but make sure you can afford to pay the deductible if you need to file a claim.
- Check for available discounts. Many insurance companies offer discounts for things like bundling policies, having a good driving record, or completing defensive driving courses.
- Maintain a clean driving record. A history of accidents or traffic violations can increase your insurance premium, so drive safely and responsibly.
Are there any specific insurance companies that offer affordable rates for a 1990 Nissan 240SX?
The cost of insurance can vary depending on various factors, including your location, driving history, and the insurance company’s underwriting policies. It’s advisable to obtain quotes from multiple insurance companies to find the most affordable rates for your 1990 Nissan 240SX. Some well-known insurance companies that you may consider reaching out to include GEICO, Progressive, State Farm, Allstate, and Farmers Insurance, among others.
What factors can affect the insurance rates for a 1990 Nissan 240SX?
Several factors can influence the insurance rates for a 1990 Nissan 240SX, including:
- Location: The area where you live and park your vehicle can impact your rates. Areas with higher rates of accidents, thefts, or vandalism may have higher insurance premiums.
- Age and driving experience: Younger drivers or those with less driving experience often face higher insurance rates.
- Vehicle usage: The intended use of the vehicle, such as commuting or pleasure, can affect your rates.
- Safety features: Having safety features, such as anti-lock brakes or airbags, can potentially lower your insurance premium.
- Insurance coverage and deductibles: The coverage limits you choose and the deductible amount can affect the cost of your insurance policy.
Are there any specific insurance considerations for a 1990 Nissan 240SX?
When insuring a 1990 Nissan 240SX, you should consider the following:
- The vehicle’s value: Since the car is older, it may have a lower market value, which can impact the type of coverage you choose. If the car’s value is low, you might consider liability coverage only.
- Replacement parts: The availability and cost of replacement parts for older vehicles like the 1990 Nissan 240SX can affect repair costs and insurance rates.
- Custom modifications: If the vehicle has any custom modifications, inform your insurance company as they may impact the coverage or rates.
- Classic car insurance: Depending on the condition and collectible value of your 1990 Nissan 240SX, you may want to explore classic car insurance options, which are designed for vintage or collectible vehicles.
Can I reduce my insurance costs by downgrading the coverage for my 1990 Nissan 240SX?
Downgrading the coverage for your 1990 Nissan 240SX is a personal decision, but it’s essential to carefully consider the potential risks. While reducing coverage limits or dropping comprehensive and collision coverage can lower your insurance premium, it also means you will have less financial protection in the event of an accident, theft, or damage to your vehicle. Before making any changes to your coverage, evaluate your needs and weigh the potential savings against the potential risks.
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