Lower Your 1997 Nissan 200SX Insurance Rates

Shoppers have many options when shopping for low-cost Nissan 200SX insurance. They can either spend hours driving around getting price quotes or utilize the internet to compare rates. There are more efficient ways to shop for insurance and we’ll show you the absolute fastest way to get price quotes on a Nissan and obtain the lowest price from both online companies and local agents.

Quick Car Insurance Quotes

Most companies such as Progressive, Allstate and Geico provide coverage prices on their websites. Getting online quotes doesn’t take much effort as you simply enter your coverage preferences into the quote form. When the form is submitted, their system makes automated requests for reports for credit and driving violations and generates pricing information determined by many factors.

This simplifies rate comparisons, but having to visit several different sites and type in the same information can be a bit tiresome and repetitive. But it is imperative to compare as many rates as possible in order to get the best price possible.

A more efficient way to find lower prices requires only one form that obtains quotes from multiple companies. This type of form saves time, reduces the work, and makes online quotes a lot less work. As soon as the form is sent, it is quoted and you can choose any of the quote results. If one or more price quotes are lower than your current rates, you can simply submit the application and purchase the new policy. The whole process takes 15 minutes at the most and could lower your rates considerably.

To save time and find out if lower rates are available, click here to open in new window and enter your vehicle and coverage information. If you have coverage now, it’s recommended you input the coverages identical to your current policy. This ensures you’re receiving comparison quotes for similar coverage.

How to know if you need help

When choosing proper insurance coverage for your vehicles, there really is not a “best” method to buy coverage. Everyone’s situation is a little different.

These are some specific questions may help highlight whether your personal situation might need professional guidance.

  • Does my policy cover my teen driver if they drive my company car?
  • Do I benefit by insuring my home with the same company?
  • Should I buy more coverage than the required minimum liability coverage?
  • Do I need added coverage for expensive stereo equipment?
  • What can I do if my company denied a claim?
  • Does my policy pay for OEM or aftermarket parts?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an insurance agent. To find an agent in your area, take a second and complete this form. It’s fast, free and can help protect your family.

Insurance coverages and their meanings

Understanding the coverages of your insurance policy helps when choosing the best coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and coverage can change by endorsement.

UM/UIM Coverage

Your UM/UIM coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your Nissan 200SX.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Medical costs insurance

Coverage for medical payments and/or PIP kick in for expenses such as hospital visits, ambulance fees and nursing services. They are used in conjunction with a health insurance plan or if you do not have health coverage. It covers all vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Coverage for liability

This coverage can cover damage that occurs to other people or property by causing an accident. It protects YOU against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 50/100/50 which stand for $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability coverage protects against things like emergency aid, structural damage, loss of income, medical expenses and bail bonds. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive or Other Than Collision

This coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as a tree branch falling on your vehicle, fire damage, falling objects and damage from flooding. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverage

Collision insurance pays to fix your vehicle from damage 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 damaging your car on a curb, rolling your car, sustaining damage from a pot hole and driving through your garage door. Collision is rather expensive coverage, so consider removing coverage from older vehicles. You can also choose a higher deductible to save money on collision insurance.