Top 8 Ways to Get Lower Rates on Nissan 200SX Insurance

Top 8 Ways to Get Lower Rates on Nissan 200SX Insurance

Consumers have lots of choices when looking for low-cost Nissan 200SX insurance. You can either spend your time driving around to get rate comparisons or save time using the internet to compare rates. There are both good and bad ways to buy car insurance so you’re going to learn the absolute fastest way to compare rates on a Nissan and locate the lowest possible price either online or from local insurance agents.

If you currently have a car insurance policy, you will be able to reduce your rates substantially using this information. The purpose of this post is to teach you the most effective way to quote insurance. But car owners benefit from understanding how big insurance companies determine prices.

Do you qualify for these eight discounts?

Companies that sell car insurance don’t always list all their discounts very clearly, so the following is a list of both well-publicized and also the lesser-known savings tricks you should be using.

  • Accident Forgiveness – Certain companies will forgive one accident before hitting you with a surcharge if your claims history is clear for a set time period.
  • Defensive Driver – Successfully completing a course in driver safety could save 5% or more and easily recoup the cost of the course.
  • Early Switch Discount – Some insurance companies reward drivers for buying a policy prior to your current policy expiring. It’s a savings of about 10%.
  • Clubs and Organizations – Belonging to a qualifying organization is a good way to get lower rates when buying car insurance for 200SX insurance.
  • Homeowners Pay Less – Owning a house may earn you a small savings because of the fact that having a home requires personal responsibility.
  • Good Student Discount – Getting good grades can earn a discount of 20% or more. Earning this discount can benefit you up to age 25.
  • Safe Driver Discount – Insureds without accidents may receive a discount up to 45% less for 200SX insurance than drivers with accident claims.
  • Discount for New Cars – Insuring a new car can save up to 30% because new vehicles have to meet stringent safety requirements.

Consumers should know that most credits do not apply to the entire policy premium. Some only reduce the price of certain insurance coverages like comprehensive or collision. Even though it may seem like all the discounts add up to a free policy, it doesn’t quite work that way.

To see a list of providers who offer car insurance discounts, follow this link.

Which insurance is the “right” coverage?

When buying coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Your needs are not the same as everyone else’s.

For example, these questions might point out if you would benefit from an agent’s advice.

  • Do I need PIP coverage since I have good health insurance?
  • Are my friends covered when driving my Nissan 200SX?
  • Is my custom paint covered by insurance?
  • What is the difference between comprehensive and collision coverage?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Do I need higher deductibles?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Should I rate my Nissan 200SX as pleasure use or commute?
  • Can I still get insurance after a DUI?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an agent. If you want to speak to an agent in your area, take a second and complete this form.

But I want to work with a local agent

Some people prefer to sit down with an agent and that is a personal choice. The biggest benefit of price shopping on the web is the fact that you can find the best rates and still choose a local agent.

To help locate an agent, after submitting this short form, your insurance coverage information is instantly submitted to local insurance agents who will give you bids for your insurance coverage. You won’t need to leave your computer since price quotes are sent immediately to your email address. Now that’s easy! Get lower rates AND an agent nearby.

Deciding on an insurer shouldn’t rely on just the bottom line cost. Some important questions to ask are:

  • If they are an independent agency, which companies do they recommend?
  • Is vehicle damage repaired with OEM or aftermarket parts?
  • Are they properly licensed to sell insurance in your state?
  • Can they provide you with a list of referrals?
  • Are claim adjusters local or do you have to take your car somewhere else?

Multiple types of auto insurance agents

If you’re trying to find a local agent, there are a couple of types of insurance agents that you can select. Agencies are classified as either captive or independent (non-captive).

Captive Insurance Agents

These agents are contracted to one company such as American Family, Liberty Mutual and AAA. Captives cannot compare other company’s rates so they have to upsell other benefits. Captive agencies are very knowledgeable in insurance sales and that can be a competitive advantage. Consumers often choose to use a captive agent mostly because of the brand legacy and solid financial strength. insurance cheap

Independent Agencies or Brokers

Independent agents do not work for one specific company so they can insure your vehicles with any number of different companies and possibly get better coverage at lower prices. To move your coverage to a new company, the agent simply finds a different carrier without you having to go to a different agency. When searching for an agent, you should always include several independent insurance agents to have the most options to choose from. Many write coverage with lesser-known insurance companies which can save you money.

To view a complete directory of agents, click here.

Once you have reasonable responses to all your questions and a good coverage price, most likely you have located an insurance agent that meets your needs to properly service your car insurance policy.

Buyer beware of car insurance advertising tricks

Car insurance providers like State Farm and Allstate constantly bombard you with television and radio advertisements. They all have a common claim that you can save if you switch to their company. How can each company claim to save you money?

All companies have a preferred profile for the type of driver that makes them money. For instance, a desirable insured might be between the ages of 30 and 50, has no tickets, and has a high credit rating. Any driver that hits that “sweet spot” receives the best rates and therefore will save when switching.

Consumers who don’t qualify for the “perfect” profile will be quoted higher prices and ends up with the driver buying from a lower-cost company. The ads say “customers that switch” but not “drivers who get quotes” save that much money. That is how insurance companies can confidently advertise the way they do. This emphasizes why it is so important to compare as many rates as you can. Because you never know which car insurance company will give you the biggest savings.

Car insurance coverage information

Knowing the specifics of car insurance aids in choosing appropriate coverage for your vehicles. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Liability auto insurance – Liability coverage protects you from damages or injuries you inflict on people or other property that is your fault. This insurance protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers things such as attorney fees, loss of income, medical expenses, repair bills for other people’s vehicles and repair costs for stationary objects. How much coverage you buy is up to you, but you should buy as high a limit as you can afford.

Comprehensive coverage – Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as damage from getting keyed, theft, rock chips in glass, a tree branch falling on your vehicle and hitting a deer. The most a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses such as doctor visits, EMT expenses, pain medications, dental work and X-ray expenses. They can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. It covers all vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not universally available and may carry a deductible

cheapest 200SX insurance

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage provides protection when other motorists do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your Nissan 200SX.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Collision – Collision coverage covers damage to your 200SX caused by collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like sustaining damage from a pot hole, colliding with another moving vehicle, driving through your garage door, colliding with a tree and sideswiping another vehicle. 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.

Final considerations

People change insurance companies for a number of reasons such as an unsatisfactory settlement offer, not issuing a premium refund, denial of a claim or even delays in paying claims. Regardless of your reason, finding a great new company is not as hard as you think.

We just showed you quite a bit of information on how to save on Nissan 200SX insurance. It’s most important to understand that the more price quotes you have, the more likely it is that you will get a better rate. Consumers may even find the lowest priced car insurance comes from a small mutual company.

As you restructure your insurance plan, it’s very important that you do not sacrifice coverage to reduce premiums. There are too many instances where an insured dropped collision coverage only to regret that they should have had better coverage. The ultimate goal is to find the BEST coverage for the lowest price, not the least amount of coverage.