1996 Nissan 200SX Insurance Rates

Feel like you’re a prisoner to an underperforming, overpriced car insurance policy? Believe me when I say there are lots of people in the same boat.

Numerous auto insurance companies battle for your hard-earned dollar, and it can be difficult to compare rates and get the best coverage at the cheapest price

You should take the time to price shop coverage yearly since insurance rates change regularly. Even if you got the best price on 200SX coverage on your last policy you can probably find a better price now. Forget all the misinformation about car insurance because you’re about to learn the fastest way to get good coverage at a lower rate.

The best way to compare rate quotes utilizes the fact all the major auto insurance companies have advanced systems to provide you with a free rate quote. All consumers are required to do is give them rating details including if you lease or own, if it has an anti-theft system, how much school you completed, and coverage limits. That rating information is automatically sent to many different companies and they respond with quotes immediately.

To compare rates now, click here and enter your coverage details.

Do drivers who switch really save?

GEICO, State Farm and Progressive regularly use ads on television and other media. All the companies make the same claim of big savings if you move your policy. How does each company make almost identical claims? This is how they do it.

Different companies have a preferred profile for the driver that is profitable for them. For example, a profitable customer might be profiled as between the ages of 40 and 55, a clean driving record, and chooses high deductibles. Any new insured who matches those parameters will qualify for the lowest rates and therefore will pay quite a bit less when switching companies.

Potential insureds who fall outside the requirements will be quoted higher prices and ends up with the driver buying from a lower-cost company. The ad wording is “drivers who switch” but not “drivers who get quotes” save that kind of money. That’s why insurance companies can make the claims of big savings. This emphasizes why you need to get quotes from several different companies. Because you never know the company that will provide you with the cheapest Nissan 200SX insurance rates.

Why your Nissan 200SX insurance rates may be high

Consumers need to have an understanding of the different types of things that come into play when calculating the price you pay for insurance. Having a good understanding of what influences your rates helps enable you to make changes that will entitle you to better insurance rates.

The list below includes a few of the “ingredients” that factor into prices.

• Multiple policies with one company can save – Many insurance companies provide better rates to policyholders who consolidate policies with them. It’s known as a multi-policy discount. Discounts can be 10 percent or more. Even with this discount, it’s still a good idea to compare other company rates to verify if the discount is saving money.
• Don’t buy coverages you don’t need – There are a lot of extra coverages you can purchase when buying insurance. Insurance for rental car reimbursement, better glass coverage and motor club memberships are examples of these. They may seem like a good idea when talking to your agent, but if you don’t need them eliminate the coverages to reduce your premium.
• Better credit scores mean better rates – A driver’s credit rating is a large factor in your rate calculation. Drivers who have high credit ratings tend to be better drivers and file fewer claims than drivers who have poor credit. If your credit score can use some improvement, you could pay less to insure your 1996 Nissan 200SX by repairing your credit.
• Mature drivers pay less – More mature drivers are viewed as being more responsible, tend to cause fewer accidents and are safer drivers. Teen drivers are known to be careless and easily distracted when driving and because of this, their insurance rates are much higher.
• Pleasure use or commuting – The more miles you rack up on your Nissan every year the higher your rates will be. The majority of insurers apply a rate determined by how the vehicle is used. Autos left parked in the garage receive lower rates than vehicles that are driven to work every day. An improperly rated 200SX may be costing you. Make sure your insurance policy is rated on how each vehicle is driven, because improper ratings can cost you money.

How to reduce 1996 Nissan 200SX insurance rates

Car insurance companies don’t necessarily list all available discounts in an easy-to-find place, so the following is a list of some of the best known and the harder-to-find discounts you could be receiving.

• Fewer Miles Equal More Savings – Fewer annual miles on your Nissan can earn better rates on cars that stay parked.
• Auto/Life Discount – Larger companies have better rates if you take out life insurance from them.
• Drivers Education – Make teen driver coverage more affordable by requiring them to take driver’s ed class if it’s offered in school.
• Memberships – Affiliation with a qualifying organization is a good way to get lower rates on your policy on 200SX coverage.
• Payment Discounts – If paying your policy premium upfront rather than paying monthly you may reduce your total bill.
• Accident Free – Good drivers with no accidents pay much less compared to accident-prone drivers.
• Seat Belt Usage – Requiring all passengers to buckle their seat belts could save 15% off your medical payments premium.
• Military Rewards – Having a family member in the military could be rewarded with lower premiums.

It’s important to understand that most discounts do not apply to your bottom line cost. Most only cut specific coverage prices like comp or med pay. So even though it sounds like you could get a free auto insurance policy, it just doesn’t work that way.

Car insurance companies who might offer some of the above discounts include:

• State Farm
• GEICO
• Liberty Mutual
• The Hartford
• MetLife
• Progressive

Before buying, ask each insurance company how you can save money. All car insurance discounts may not be available everywhere.

Tailor your coverage to you

When choosing the best auto insurance coverage for your vehicles, there isn’t really a one size fits all plan. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. These are some specific questions may help highlight whether you may require specific advice.

• Can I afford low physical damage deductibles?
• Are my friends covered when driving my car?
• What happens if I owe more than my 1996 Nissan 200SX is worth?
• Do I need motorclub coverage?
• Do I need roadside assistance coverage?
• How does medical payments coverage work?
• Is borrowed equipment or tools covered if stolen or damaged?
• Can I rent a car in Mexico?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier

Educate yourself about insurance coverages

Knowing the specifics of your policy can help you determine the best coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. Shown next are typical coverages found on the average insurance policy.

Auto liability insurance

This coverage protects you from damages or injuries you inflict on other people or property by causing an accident. It protects you from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 which stand for a $50,000 limit per person for injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged property.

Liability coverage protects against things such as structural damage, repair bills for other people’s vehicles, repair costs for stationary objects and attorney fees. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying higher limits if possible.

Coverage for medical payments

Med pay and PIP coverage reimburse you for short-term medical expenses for things like nursing services, hospital visits, rehabilitation expenses, funeral costs and doctor visits. They can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and may carry a deductible

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your 1996 Nissan 200SX.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Collision insurance

This will pay to fix damage to your 200SX resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like sideswiping another vehicle, crashing into a ditch, scraping a guard rail and driving through your garage door. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. You can also increase the deductible to bring the cost down.

Comprehensive coverages

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like hitting a bird, damage from a tornado or hurricane, hitting a deer and rock chips in glass. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Don’t throw your cash in the trash

Cost effective 1996 Nissan 200SX insurance is available on the web in addition to many insurance agents, and you should be comparing both to have the best chance of lowering rates. Some insurance coverage companies do not provide online quoting and these smaller companies work with independent agents.

When shopping online for insurance coverage, make sure you don’t buy lower coverage limits just to save a few bucks. In too many instances, an accident victim reduced uninsured motorist or liability limits and learned later they didn’t have enough coverage. The aim is to purchase plenty of coverage at the best price.

Additional articles

• Teen Driver Statistics (Insurance Information Insitute)
• Learn About Car Insurance (GEICO)
• Car Insurance for Teen Drivers with Divorced Parents (Allstate)
• All About Airbag Safety (State Farm)
• Alcohol Impaired Driving FAQ (iihs.org)