1994 Nissan 240SX Insurance Quotes – 9 Ways to Save

Looking for lower auto insurance rates for your Nissan 240SX? Did you fall for a flashy sales pitch and buy overpriced auto insurance? Trust us, you are not the only one feeling buyer’s remorse. You have multiple auto insurance companies to purchase coverage from, and although it’s nice to have a selection, it can be more difficult to find a good deal.

Smart consumers take time to compare rates quite often since insurance rates change frequently. Just because you found the lowest price for 240SX insurance a few years ago you can probably find a better price now. So just forget anything you know (or think you know) about auto insurance because it’s time to teach you the tricks you need to know to save money, get proper coverage and the best rates.

Finding affordable auto insurance coverage is quite easy. If you are insured now or are just looking to switch companies, you can use these tips to find better prices and still get good coverage. Vehicle owners only need to know how to compare rates online.

Compare Car Insurance Today

Effectively comparing car insurance prices can be challenging if you don’t utilize the fastest way to get free quotes. You could spend your day talking to insurance agencies in your area, or you can stay home and use online quotes to get rate comparisons in just a few minutes.

Many of the larger companies participate in a marketplace where insurance shoppers submit their information once, and each company provides a quote based on the submitted data. This eliminates the need for quote requests to every company. To fill out one form to compare multiple rates now click here to start a free quote.

The only downside to using this type of form is that you can’t choose the companies you will receive quotes from. If you wish to select specific insurance companies to receive pricing from, we put together a list of car insurance companies in your area. Click here for list of insurance companies.

It doesn’t matter which method you choose, just make sure you use apples-to-apples coverages and limits for every quote you compare. If you use different deductibles it will be very difficult to find the best deal for your Nissan 240SX.

Car insurance ads bend the truth

Consumers get pounded daily by advertisements that promise big savings by companies like Geico, State Farm and Progressive. They all seem to make the same claim that you can save if you change to them.

How does each company make the same claim? This is how they do it.

All the different companies have a preferred profile for the right customer that makes them money. For instance, a driver they prefer might be profiled as between the ages of 40 and 55, has no driving citations, and has great credit. A customer who meets those qualifications will get very good rates and most likely will save when they switch companies.

Potential customers who fall outside the “perfect” profile will have to pay higher premiums and this can result in the driver buying from a lower-cost company. The ad wording is “drivers who switch” but not “drivers who get quotes” save that much money. This is how companies can truthfully advertise the savings.

Because of the profiling, it is so important to get as many comparisons as possible. It’s just too difficult to predict which car insurance company will provide you with the cheapest Nissan 240SX insurance rates.

Cut prices on 1994 Nissan 240SX insurance

Car insurance is not cheap, but you can get discounts that can drop the cost substantially. Some trigger automatically when you quote, but some may not be applied and must be requested specifically in order for you to get them. If you aren’t receiving every discount you qualify for, you’re just leaving money on the table.

  • Drive Safe and Save – Insureds without accidents may save up to 50% more for 240SX insurance than less cautious drivers.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles prevent accidents and therefore earn up to a 10% discount.
  • Multiple Vehicles – Buying insurance for multiple vehicles on one policy could earn a price break for each car.
  • Air Bag Discount – Vehicles equipped with air bags may earn rate discounts of up to 25% or more.
  • Accident Waiver – A few companies allow you one accident before hitting you with a surcharge if you are claim-free for a particular time prior to the accident.
  • Auto/Life Discount – Larger companies have a break if you buy life insurance from them.
  • Good Student – Getting good grades can save 20 to 25%. The good student discount can last well after school through age 25.
  • Pay Now and Pay Less – If you pay your bill all at once instead of making monthly payments you can actually save on your bill.
  • Club Memberships – Participating in a qualifying organization may earn a discount when shopping for car insurance for 240SX insurance.

A little note about advertised discounts, many deductions do not apply to the entire cost. Most only apply to individual premiums such as comprehensive or collision. So even though it sounds like it’s possible to get free car insurance, companies don’t profit that way. But any discount will help reduce the cost of coverage.

For a list of insurers who offer car insurance discounts, click here to view.

Tailor your coverage to you

When buying proper insurance coverage for your personal vehicles, there is no “best” method to buy coverage. Your needs are not the same as everyone else’s and your policy should reflect that. For example, these questions can help discover if your situation might need professional guidance.

  • What are the best liability limits?
  • Is my babysitter covered when using my vehicle?
  • Is my camper covered by my car insurance policy?
  • What is the difference between comprehensive and collision coverage?
  • What is PIP insurance?
  • Is a blown tire covered by insurance?
  • Am I covered if I break a side mirror?
  • What is UM/UIM insurance?

If you’re not sure about those questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Detailed coverages of your insurance policy

Understanding the coverages of insurance aids in choosing the best coverages for your vehicles. The terms used in a policy can be confusing and coverage can change by endorsement. Shown next are the normal coverages found on the average insurance policy.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Nissan 240SX.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Usually these limits do not exceed the liability coverage limits.

Comprehensive insurance – This coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like damage from flooding, hitting a bird, theft and falling objects. The maximum payout you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Auto liability – Liability insurance provides protection from damage or injury you incur to people or other property. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 100/300/100 which means $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. 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 claims like structural damage, pain and suffering and attorney fees. How much coverage you buy is a personal decision, but consider buying as much as you can afford.

Coverage for medical expenses – Med pay and PIP coverage provide coverage for bills for hospital visits, ambulance fees, surgery and dental work. They are often used in conjunction with a health insurance plan or if there is no health insurance coverage. Coverage applies to both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Collision coverage – Collision coverage covers damage to your 240SX caused by collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like crashing into a ditch, sustaining damage from a pot hole, crashing into a building, sideswiping another vehicle and driving through your garage door. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Another option is to choose a higher deductible to save money on collision insurance.

Don’t break the bank

We’ve covered many tips how you can shop for 1994 Nissan 240SX insurance online. The key concept to understand is the more price quotes you have, the better your comparison will be. Consumers could even find that the lowest priced car insurance comes from a company that doesn’t do a lot of advertising. They may only write in your state and offer lower rates as compared to the big name companies such as Progressive or Geico.

Affordable insurance can be bought from both online companies and with local insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. There are still a few companies who do not offer the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.

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