2011 Nissan 370Z Car Insurance Rates – 9 Discounts for Cheaper Quotes

Trying to find the cheapest insurance coverage rates for your Nissan 370Z? Finding lower premiums on insurance coverage is a challenge for people who are new to shopping for insurance online. People have so many options that it can be a lot of work to find lower rates.

Comparison of Auto Insurance

Shopping for lower auto insurance rates can be a daunting task if you don’t utilize the best way to get rate quotes. You can waste a few hours (or days) talking to agents in your area, or you could save time and use online quotes to get rates in a matter of minutes.

Many companies participate in an industry program that allows shoppers to submit one quote, and each company then gives them pricing. This system prevents you from having to do repetitive form submissions to every company.

To compare 2011 Nissan 370Z rates now click to open in new window.

The one downside to getting quotes like this is that you can’t choose the providers to get pricing from. If you prefer to choose individual companies to request quotes from, we put together a list of companies who write auto insurance in your area. Click here to view list.

Whichever method you choose, compare exactly the same information for every company. If you enter different deductibles then you won’t be able to make a fair comparison for your Nissan 370Z. Slightly different coverage limits can mean a large discrepancy in price. It’s important to know that comparing more company’s prices gives you a better chance of getting the best price.

Save money by taking advantage of these nine discounts

Insurance can be prohibitively expensive, but there are discounts available that many people don’t even know exist. Larger premium reductions will be automatically applied at the time of purchase, but lesser-known reductions have to be requested specifically before you will receive the discount.

  • Low Mileage – Keeping the miles down on your Nissan can qualify you for lower rates on the low mileage vehicles.
  • Safe Driver Discount – Safe drivers may receive a discount up to 45% less for 370Z coverage than drivers with accidents.
  • Lower Rates for Military – Being on active duty in the military may qualify for rate reductions.
  • Drivers Education – Require your teen driver to take driver’s ed class in high school.
  • Braking Control Discount – Vehicles equipped with ABS or steering control prevent accidents and therefore earn up to a 10% discount.
  • Bundle and Save – If you insure your home and vehicles with one company you may save 10% to 20% off each policy.
  • Passive Restraints and Air Bags – Vehicles with factory air bags or automatic seat belts can get savings up to 30%.
  • Theft Prevention System – Vehicles with anti-theft systems help deter theft and earn discounts up to 10%.
  • 55 and Retired – Older drivers may receive better insurance coverage rates for 370Z coverage.

It’s important to note that some credits don’t apply the the whole policy. Most cut the cost of specific coverages such as comprehensive or collision. Just because you may think having all the discounts means you get insurance for free, it just doesn’t work that way. Any amount of discount will help reduce your premiums.

Companies that may have these money-saving discounts include:

Double check with each insurance company which discounts you may be entitled to. Savings might not apply in your area.

When should I use an insurance agent?

When it comes to buying the right insurance coverage for your vehicles, there really is not a single plan that fits everyone. Everyone’s situation is unique.

These are some specific questions might point out whether or not you may require specific advice.

  • Does coverage extend to my business vehicle?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Am I covered if I crash into my own garage door?
  • How much liability insurance is required?
  • Is my babysitter covered when using my vehicle?
  • When can I cancel my policy?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with an insurance agent. To find an agent in your area, take a second and complete this form.

Insurance policy specifics

Learning about specific coverages of your policy helps when choosing the right coverages and proper limits and deductibles. Policy terminology can be ambiguous and coverage can change by endorsement.

Liability coverage – Liability coverage will cover damage or injury you incur to other people or property. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 25/50/25 which stand for $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability coverage protects against claims like medical services, funeral expenses and attorney fees. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as much as you can afford.

Coverage for medical payments – Med pay and PIP coverage pay for short-term medical expenses like X-ray expenses, surgery, EMT expenses and dental work. They are often utilized in addition to your health insurance program or if you lack health insurance entirely. They cover you and your occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Nissan 370Z.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive coverages – Comprehensive insurance coverage covers damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims such as a broken windshield, damage from flooding and a tree branch falling on your vehicle. The highest amount your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision coverages – Collision coverage pays for damage to your 370Z from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as hitting a parking meter, backing into a parked car, crashing into a ditch and driving through your garage door. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.