Lower Your 1991 Nissan 240SX Insurance Cost

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: May 12, 2022

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Searching for cheaper insurance rates for your Nissan 240SX? Nobody I know likes having to buy insurance, particularly when their premiums are through the roof.

You have multiple auto insurance companies to buy insurance from, and even though it’s nice to be able to choose, it can be more difficult to find the lowest cost provider.

It’s smart to compare prices yearly because insurance rates tend to go up over time. Even if you got the lowest rates on 240SX insurance a couple years back other companies may now be cheaper. There is too much inaccurate information about insurance online but by reading this article, you’re going to learn some guaranteed methods to buy insurance cheaper.

Finding more affordable insurance coverage coverage is not that difficult. In a nutshell, anyone who shops for insurance coverage will most likely be able to lower their premiums. Nevertheless, car owners can benefit from knowing how the larger insurance companies sell insurance online and take advantage of how the system works.

The quickest method to compare rates utilizes the fact auto insurance companies allow for online access to compare rate quotes. All consumers are required to do is provide details such as deductibles desired, your education level, distance driven, and how you use your vehicles. Your information is instantly provided to insurance carriers in your area and you receive quotes instantly.

Do you qualify for a discount?

Insuring your vehicles can cost a lot, but companies offer discounts to reduce the price significantly. Certain discounts will be applied when you complete an application, but less common discounts must be asked for before being credited.

  • Discount for Life Insurance – Some companies give lower rates if you buy life insurance from them.
  • Drive Safe and Save – Safe drivers can get discounts for up to 45% lower rates on 240SX insurance than their less cautious counterparts.
  • Payment Method – If paying your policy premium upfront rather than paying monthly you could save 5% or more.
  • Claim Free – Good drivers with no accidents pay much less when compared with drivers who are more careless.
  • Senior Citizens – If you’re over the age of 55, you may qualify for a small decrease in premiums on 240SX insurance.

As a disclaimer on discounts, most credits do not apply to the entire policy premium. Most only cut the cost of specific coverages such as liability and collision coverage. So even though it sounds like all the discounts add up to a free policy, insurance coverage companies aren’t that generous. Any qualifying discounts will help reduce the amount you have to pay.

For a list of providers offering insurance coverage discounts, click here.

Nissan 240SX premiums are determined by many factors

Consumers need to have an understanding of some of the elements that go into determining your auto insurance rates. Knowing what determines base rates helps enable you to make changes that can help you get much lower annual insurance costs.

  • Don’t get talked into coverage you don’t need – There are many add-on coverages that you can get tricked into buying when buying auto insurance. Things like roadside assistance, accidental death and membership fees may be costing you every month. These may sound like a good investment when you first buy your policy, but your needs may have changed so remove them from your policy.
  • Pleasure use or commuting – The higher the mileage driven in a year’s time the more you’ll pay to insure your vehicle. Almost all companies price each vehicle’s coverage based on their usage. Cars not used for work or commuting qualify for better rates compared to those used for work or business. Ask your agent if your auto insurance declarations sheet shows the correct usage for each vehicle. Incorrect usage on your 240SX can cost quite a bit.
  • Your car’s features help determine rates – Choosing a vehicle with a theft deterrent system can help lower your rates. Anti-theft features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart your car from being stolen.
  • Your auto insurance rates can be influenced by your job – Careers like doctors, executives and accountants tend to pay higher rates than average in part from high stress and lots of time spent at work. On the flip side, occupations like farmers, athletes and retirees have the lowest average rates on 240SX insurance.
  • A clean driving record saves money – Your driving record impacts your car insurance rates tremendously. Even a single ticket can increase rates by as much as thirty percent. Good drivers have lower premiums compared to drivers with tickets. Drivers who get flagrant violations such as DWI, reckless driving or hit and run convictions may be required to file a SR-22 with their state DMV in order to keep their license.
  • Safer cars cost less to insure – Vehicles with high crash test scores get lower rates. Safe vehicles result in less severe injuries and any reduction in injury severity means less money paid by your insurance company and more competitive rates for policyholders. If your Nissan is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.

What coverages do I need?

When buying coverage, there isn’t really a cookie cutter policy. Each situation is unique and a cookie cutter policy won’t apply. For instance, these questions might point out if your situation would benefit from an agent’s advice.

  • Do all my vehicles need collision coverage?
  • Am I covered if my car is in a flood?
  • How can I get high-risk coverage after a DUI?
  • How much can I save by bundling my policies?
  • How does medical payments coverage work?
  • Is my Nissan 240SX covered if I use it for business?
  • What are the financial responsibility laws in my state?
  • Should I drop comprehensive coverage on older vehicles?
  • Should I have combined single limit or split liability limits?
  • What is the rate difference between pleasure use and commuting?

If you can’t answer these questions but a few of them apply, you may need to chat with an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies.

Specifics of your auto insurance policy

Having a good grasp of a auto insurance policy can help you determine the right coverages at the best deductibles and correct limits. Policy terminology can be confusing and reading a policy is terribly boring. Below you’ll find typical coverage types found on most auto insurance policies.

Medical expense coverage

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for things like ambulance fees, hospital visits, prosthetic devices and chiropractic care. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants in addition to any family member struck as a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive protection

Comprehensive insurance covers 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 coverage protects against things such as a broken windshield, damage from flooding and damage from a tornado or hurricane. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured or underinsured coverage

This protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Nissan 240SX.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently the UM/UIM limits are set the same as your liablity limits.

Liability auto insurance

Liability insurance can cover injuries or damage you cause to a person or their property in an accident. It protects you against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Alternatively, you may have a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for claims such as medical services, bail bonds, emergency aid and repair costs for stationary objects. The amount of liability coverage you purchase is up to you, but you should buy as high a limit as you can afford.

Collision insurance

Collision coverage will pay to fix damage to your 240SX resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as damaging your car on a curb, sustaining damage from a pot hole, crashing into a ditch and hitting a parking meter. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Coverage on a shoestring budget

Low-cost 1991 Nissan 240SX insurance is available both online as well as from independent agents, so you should be comparing quotes from both in order to have the best chance of saving money. There are still a few companies who don’t offer you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.

When trying to cut insurance costs, it’s a bad idea to skimp on critical coverages to save a buck or two. In many cases, drivers have reduced liability coverage limits only to regret they didn’t purchase enough coverage. The ultimate goal is to purchase a proper amount of coverage at the best price while still protecting your assets.

Much more information about car insurance can be found below:

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