1990 Nissan Pulsar Car Insurance Quotes – 9 Tips for Cheaper Rates

Trying to find the cheapest insurance coverage rates for your Nissan Pulsar? Finding better rates for insurance coverage is always a challenge for beginners to shopping for insurance online. Drivers have so many choices that it can easily become more work than you anticipated to find lower rates.

Finding the cheapest protection is easy if you know what you’re doing. Basically, every driver who shops for auto insurance should be able to lower their premiums. But drivers should learn the way companies determine prices and take advantage of how the system works.

Do you qualify for these nine discounts?

Insurance can be prohibitively expensive, but discounts can save money and there are some available to reduce the price significantly. Certain discounts will be applied at the time of purchase, but some must be specifically requested in order for you to get them.

  • Good Student Discount – Performing well in school can be rewarded with saving of up to 25%. The discount lasts up until you turn 25.
  • Drive Safe and Save – Insureds without accidents can get discounts for up to 45% lower rates for Pulsar insurance than drivers with accidents.
  • Payment Method – If you pay your bill all at once instead of paying each month you may reduce your total bill.
  • New Vehicle Savings – Putting insurance coverage on a new car is cheaper compared to insuring an older model.
  • Multi-car Discount – Insuring more than one vehicle with the same company qualifies for this discount.
  • Auto/Home Discount – When you have multiple policies with one insurance company you will save at least 10% off all policies.
  • 55 and Retired – Older drivers may qualify for reduced rates for Pulsar insurance.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in high school.
  • Homeowners Pay Less – Being a homeowner can help you save on auto insurance because maintaining a house shows financial diligence.

Drivers should understand that most of the big mark downs will not be given to your bottom line cost. Some only reduce specific coverage prices like collision or personal injury protection. So when it seems like all the discounts add up to a free policy, it doesn’t quite work that way. Any amount of discount will reduce your premiums.

Insurance companies that may offer these money-saving discounts include:

Check with each company which discounts you may be entitled to. Savings might not be offered in your state.

Don’t assume everyone needs the same coverage

When it comes to choosing coverage, there isn’t really a cookie cutter policy. Each situation is unique.

Here are some questions about coverages that could help you determine whether or not you would benefit from an agent’s advice.

  • What is PIP insurance?
  • I don’t drive much so do I pay less?
  • What is the difference between comprehensive and collision coverage?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Does my insurance cover a custom paint job?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Do I have coverage if my license is suspended?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Should I put collision coverage on all my vehicles?

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

Is there truth in advertising?

Companies like GEICO, State Farm and Progressive continually stream ads on television and other media. All the ads make the same claim about savings after switching to their company. How do they all make the same claim? This is how they do it.

All companies are able to cherry pick for the right customer that is profitable for them. A good example of a driver they prefer could be between the ages of 40 and 55, has no prior claims, and has excellent credit. A propective insured that hits that “sweet spot” will get very good rates and therefore will save when they switch companies.

Consumers who don’t qualify for these standards will be charged higher prices which leads to business going elsewhere. The ads state “customers that switch” not “everybody who quotes” save money. That is how companies can truthfully advertise the savings.

That is why you absolutely need to get quotes from several different companies. Because you never know which company will give you the biggest savings on Nissan Pulsar insurance.

Insurance coverages explained

Having a good grasp of your insurance policy can be of help when determining the right coverages for your vehicles. Insurance terms can be confusing and coverage can change by endorsement.


Liability insurance will cover damages or injuries you inflict on other people or property. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 100/300/100 which stand for a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Occasionally you may see one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for things such as medical expenses, legal defense fees, repair costs for stationary objects, bail bonds and attorney fees. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Collision coverage

This will pay to fix damage to your Pulsar from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like hitting a mailbox, crashing into a building, backing into a parked car and driving through your garage door. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Comprehensive insurance

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like rock chips in glass, hitting a deer and fire damage. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Nissan Pulsar.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Usually the UM/UIM limits are similar to your liability insurance amounts.

Coverage for medical expenses

Coverage for medical payments and/or PIP kick in for immediate expenses such as funeral costs, prosthetic devices and pain medications. The coverages can be used to fill the gap from your health insurance program or if you do not have health coverage. It covers you and your occupants in addition to getting struck while a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Get your money’s worth

As you go through the steps to switch your coverage, it’s a bad idea to sacrifice coverage to reduce premiums. In too many instances, drivers have reduced uninsured motorist or liability limits only to discover later that it was a big mistake. The proper strategy is to buy enough coverage for the lowest price.

We just covered many tips how you can reduce 1990 Nissan Pulsar insurance prices online. It’s most important to understand that the more companies you get rates for, the better chance you’ll have of finding lower rates. You may be surprised to find that the lowest priced auto insurance comes from some of the lesser-known companies.

Budget-conscious insurance is possible online and with local insurance agents, so you should compare both to have the best rate selection. Some companies do not offer online price quotes and most of the time these smaller companies sell through independent agents.

Additional auto insurance information is available at these links: