1995 Nissan 240SX Insurance Cost – 8 Tips for Best Prices

If you are a novice to online insurance coverage shopping, you can be overwhelmed by the vast number of online insurance coverage companies and websites all claiming to save you money.

It’s a great practice to price shop coverage before your next renewal because insurance coverage prices are rarely the same from one policy term to another. Just because you had the lowest quotes on 240SX coverage last year you can probably find a better rate now. Forget anything you know (or think you know) about insurance coverage because you’re about to learn the proper way to find better coverage at a better price.

If you are paying for car insurance now, you stand a good chance to be able to save some money using this strategy. Pricing the best protection is quite easy. Nevertheless, drivers do need to understand how big insurance companies market insurance on the web.

Where can I get affordable insurance?

Performing a rate comparison is a ton of work if you don’t know the easiest way. You can waste a lot of time driving to insurance companies in your area, or you can utilize online quotes to accomplish the same thing much quicker.

Many popular insurance companies participate in a marketplace that allows shoppers to enter their coverage request one time, and each participating company then gives them pricing determined by their information. This prevents consumers from doing quote forms to every company.

To compare rates using this form now click to open in new window.

The single downside to comparing rates this way is you don’t know exactly the insurers to get pricing from. If you would rather choose from a list of companies to compare rates, we have assembled a list of insurance companies in your area. Click here for list of insurance companies.

Which method you use is up to you, but make absolute certain that you use apples-to-apples deductibles and coverage limits for every quote you compare. If you enter higher or lower deductibles it will be next to impossible to truly determine the lowest rate. Even a minor difference in coverage limits could mean much higher rates. Just keep in mind that getting more free quotes helps increase your odds of locating the best rates. Some smaller insurers to not give quotes online, so it’s recommended that you also compare prices from them as well.

When do I need an agent’s advice?

When it comes to choosing proper insurance coverage for your personal vehicles, there really is no best way to insure your cars. Everyone’s situation is unique.

For example, these questions can aid in determining whether or not you could use an agent’s help.

• Does my medical payments coverage pay my health insurance deductible?
• When can I cancel my policy?
• When would I need additional glass coverage?
• Can my babysitter drive my car?
• Do I need medical payments coverage since I have good health insurance?
• I don’t drive much so do I pay less?
• Do I need replacement cost coverage?
• Can I get a multi-policy discount?
• Is my cargo covered for damage or theft?
• Does coverage extend to my business vehicle?

If you don’t know the answers to these questions, you may need to chat with an insurance agent. To find an agent in your area, fill out this quick form.

Car insurance coverage basics

Having a good grasp of your car insurance policy helps when choosing the right coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and coverage can change by endorsement.

Medical expense coverage

Med pay and PIP coverage reimburse you for bills such as rehabilitation expenses, funeral costs, chiropractic care and pain medications. They are used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Collision coverage

Collision coverage pays for damage to your 240SX resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like crashing into a ditch, hitting a parking meter, rolling your car and backing into a parked car. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Drivers also have the option to raise the deductible to save money on collision insurance.

Auto liability insurance

Liability insurance provides protection from damage or injury you incur to a person or their property that is your fault. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see values of 50/100/50 that means you have a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Another option is a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for things such as repair costs for stationary objects, emergency aid, legal defense fees, repair bills for other people’s vehicles and bail bonds. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive protection

Comprehensive insurance covers damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like vandalism, hitting a deer, damage from getting keyed and rock chips in glass. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.