Save on 1991 Nissan Stanza Car Insurance Quotes

Feel like you’re a prisoner to overpriced auto insurance? Trust us, there are many consumers feeling the pinch from expensive auto insurance.

Since vehicle owners have many companies and agents to choose from, it is hard for the average consumer to find the most cost effective insurance company.

Buying car insurance is not that difficult. If you currently have a car insurance policy, you should be able to cut costs considerably using this strategy. Nevertheless, vehicle owners do need to know the methods companies use to price insurance differently and apply this information to your search.

Compare car insurance rates

When looking for cheap insurance coverage quotes, there are a couple ways to get quotes from many available car insurance companies in your state. By far the easiest way to find affordable Nissan Stanza insurance rates consists of shopping online. This is quite simple and can be completed in just a few minutes using one of these methods.

  1. The single most time-saving way to get the best comparison quotes would be an industry-wide quote request form like this one (opens in new window). This form keeps you from doing separate quotes to each individual car insurance company. One simple form compares rates from several companies.
  2. A harder way to find more affordable insurance is to manually visit each company’s website and get a separate price quote. For examples sake, we’ll pretend you are doing a rate comparison from Nationwide, Farmers and Travelers. To get each rate you have to navigate to each company’s site to enter the same coverage data repeatedly, which is why the first method is quicker.

    For a list of companies in your area, click here.

  3. The most time-consuming method to find cheaper rates is to spend time driving to insurance agencies in your area. The ability to quote online makes this process obsolete unless you have a complicated situation and need the trained advice of a local agency. Although you can get prices online and still use a local agent.

However you get your quotes, be certain you are entering identical coverage limits and deductibles on every quote. If you compare different coverage information then you won’t be able to decipher which rate is best. Having just a slight variation in insurance coverages may result in large price differences. Just remember that getting more free quotes helps locate the best offered rates.

Tailor your car insurance coverage to you

When it comes to buying the best car insurance coverage, there really is not a perfect coverage plan. Everyone’s needs are different so your insurance should reflect that For instance, these questions may help highlight whether your personal situation would benefit from an agent’s advice.

  • Do I need PIP (personal injury protection) coverage in my state?
  • Will I lose any money if I cancel my policy before it expires?
  • Does my policy cover my teen driver if they drive my company car?
  • Does my insurance cover my expensive audio equipment?
  • Should I buy additional glass protection?
  • Should I buy full coverage?

If it’s difficult to answer those questions, you may need to chat with an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of car insurance companies in your area.

Auto insurance coverage information

Having a good grasp of auto insurance can help you determine the right coverages and proper limits and deductibles. The terms used in a policy can be confusing and reading a policy is terribly boring. Below you’ll find the usual coverages found on most auto insurance policies.

Comprehensive auto insurance

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims such as vandalism, hitting a deer and fire damage. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.


This can cover damage that occurs to people or other property. This coverage protects you from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 25/50/25 that translate to $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability coverage protects against claims such as funeral expenses, emergency aid, medical services and attorney fees. How much liability coverage do you need? That is your choice, but you should buy as large an amount as possible.

Coverage for medical expenses

Coverage for medical payments and/or PIP kick in for expenses for pain medications, EMT expenses, X-ray expenses and surgery. They are often used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision coverage

This coverage covers damage to your Stanza caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things such as sideswiping another vehicle, colliding with a tree, damaging your car on a curb, driving through your garage door and crashing into a ditch. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to bump up the deductible to get cheaper collision coverage.