1993 Nissan 240SX Insurance Quotes – 6 Ideas for Cheapest Rates

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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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Trying to find better car insurance rates for your Nissan 240SX? Having to pay for overpriced Nissan 240SX insurance can drain your bank account and make it hard to pay other bills. Comparison shopping is a great way to reduce premiums and put more money in your pocket.

Because you have many options when it comes to car insurance, it can be diffult for consumers to pick the best insurer.

You should take the time to do rate comparisons yearly because rates are variable and change quite frequently. Even if you got the best price for 240SX insurance a few years ago the chances are good that you can find a lower rate today. There is a lot of bad advice regarding car insurance on the web, but by reading this article, you’re going to learn the best ways to reduce your car insurance bill.

Choosing the best insurance company for you is quite easy. If you currently have car insurance, you stand a good chance to be able to reduce your rates substantially using these techniques. But consumers do need to learn the methods companies use to market on the web because it can help you find the best coverage.

Low Cost Car Insurance

When shopping for car insurance there are multiple ways of comparing rates from car insurance companies in your area. The fastest way to compare 1993 Nissan 240SX insurance prices is to get quotes online. This can be accomplished in just a few minutes using one of these methods.

The single most time-saving way to get quotes is a comparison rater form like this one (opens in new window). This form saves time by eliminating separate quotation requests to each individual car insurance company. Just one form gets rate comparisons from several companies.

A more difficult way to get quotes online is to manually visit each individual company website to complete a price quote. For instance, let’s say you want rates from Progressive, State Farm and Travelers. To get each rate you have to take the time to go to each site to enter your coverage information, which is why the first method is more popular.

For a list of links to insurance companies in your area, click here.

The hardest way to compare rates is to spend your day driving to insurance agents’ offices. The ability to buy insurance online eliminates the need for an insurance agent unless you have a need for the personal advice that only a license agent can provide. Drivers can get prices online and get advice from an agent in your area and we’ll talk about that later.

Whichever method you choose, make absolute certain that you use identical deductibles and coverage limits for every quote you compare. If your comparisons have different values for each quote it will be next to impossible to determine which rate is truly the best. Having just a slight variation in insurance coverages can mean a large discrepancy in price. And when comparison shopping, obtaining a wide range of quotes gives you a better chance of getting a lower rate.

How to reduce Nissan 240SX insurance rates

Companies offering auto insurance do not list all available discounts very clearly, so we break down both the well known and the harder-to-find savings tricks you should be using.

  • Bundle and Save – If you have multiple policies with one company you will save at least 10% off all policies.
  • Sign Online – A handful of insurance companies may give you up to $50 just for signing your application on their website.
  • Government Employees – Being employed by or retired from a federal job can save as much as 8% for 240SX insurance with select insurance companies.
  • New Vehicle Savings – Insuring a new car can cost up to 25% less due to better safety requirements for new cars.
  • Use Seat Belts – Requiring all passengers to use a seat belt can save up to 15% on the medical payments or PIP coverage costs.
  • Defensive Driver – Completing a driver safety course could possibly earn you a 5% discount if you qualify.

It’s important to note that most credits do not apply to your bottom line cost. Most only cut individual premiums such as collision or personal injury protection. Just because it seems like it’s possible to get free car insurance, you won’t be that lucky.

To see a list of insurance companies with the best auto insurance discounts, click here.

Tailor your coverage to you

When it comes to choosing coverage, there really is no perfect coverage plan. Everyone’s situation is a little different and your policy should reflect that. For instance, these questions might point out whether or not you will benefit from professional help.

  • What is medical payments coverage?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Does my liability insurance cover pulling a trailer or camper?
  • Do I need special endorsements for business use of my vehicle?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • When should I drop full coverage on my 1993 Nissan 240SX?
  • What are the financial responsibility laws in my state?
  • When should I buy a commercial auto policy?
  • Does coverage extend to Mexico or Canada?
  • When can I cancel my policy?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Insurance coverage breakdown

Learning about specific coverages of your policy can be of help when determining which coverages you need for your vehicles. Insurance terms can be confusing and even agents have difficulty translating policy wording. Below you’ll find the usual coverages offered by insurance companies.

Comprehensive (Other than Collision)

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like damage from getting keyed, fire damage, a tree branch falling on your vehicle, theft and damage from a tornado or hurricane. The maximum payout your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision insurance

This coverage pays for damage to your 240SX resulting from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as rolling your car, driving through your garage door, backing into a parked car, sideswiping another vehicle and hitting a mailbox. This coverage can be expensive, so consider dropping it from older vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your 1993 Nissan 240SX.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Medical expense insurance

Medical payments and Personal Injury Protection insurance kick in for expenses like prosthetic devices, pain medications, nursing services, ambulance fees and dental work. They can be utilized in addition to your health insurance program or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not an option in every state and may carry a deductible

Auto liability

This will cover injuries or damage you cause to people or other property. It protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 100/300/100 which stand for a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers claims such as repair bills for other people’s vehicles, emergency aid and funeral expenses. How much liability coverage do you need? That is up to you, but you should buy as large an amount as possible.

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