2013 Nissan 370Z Insurance Quotes – 9 Ideas for Cheaper Rates

Searching for the cheapest car insurance rates for your Nissan 370Z? Are you tired of not being able to afford to buy car insurance? You’re in the same situation as most other car owners. There is such a variety of insurance companies to purchase coverage from, and although it’s nice to be able to choose, lots of choices makes it harder to compare rates.

Smart consumers take time to do rate comparisons quite often because prices change regularly. Just because you had the best price on 370Z coverage a year ago there may be better deals available now. Forget all the misinformation about car insurance because you’re about to learn one of the quickest ways to find better coverage at a better price.

The purpose of this post is to teach you how to effectively get price quotes and some tricks to saving. If you currently have car insurance, you will be able to lower your premiums substantially using these methods. Drivers only need to know the best way to get comparison rates online.

Save with discounts on Nissan 370Z insurance

Car insurance is not cheap, but there could be available discounts that you may not know about. Larger premium reductions will be automatically applied when you quote, but some must be specially asked for in order for you to get them. If you aren’t receiving every discount possible, you’re just leaving money on the table.

  • No Accidents – Claim-free drivers can save substantially compared to drivers who are more careless.
  • Senior Citizens – Older drivers may receive reduced rates on 370Z coverage.
  • Defensive Driver – Taking a driver safety course could possibly earn you a 5% discount depending on where you live.
  • Memberships – Being a member of a qualifying organization could qualify you for a break when shopping for insurance coverage on 370Z coverage.
  • Own a Home – Simply owning a home can save you money because owning a home requires personal responsibility.
  • Multiple Vehicles – Buying insurance for multiple vehicles on the same insurance coverage policy qualifies for this discount.
  • No Charge for an Accident – Some insurance companies permit an accident before your rates go up as long as you don’t have any claims for a particular time prior to the accident.
  • Student Driver Training – Require your teen driver to enroll in driver’s education in school.
  • Air Bag Discount – Cars that have air bags or automatic seat belts can get savings of more than 20%.

Drivers should understand that most of the big mark downs will not be given the the whole policy. Most only reduce the price of certain insurance coverages like comp or med pay. Just because it seems like adding up those discounts means a free policy, you won’t be that lucky. But all discounts will help reduce the amount you have to pay.

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

It’s a good idea to ask all companies you are considering which discounts you may be entitled to. Savings might not apply in every state.

Compare Quotes for Car Insurance

Reducing your 2013 Nissan 370Z insurance rates can be surprisingly simple. Just spend a few minutes on the computer comparing rate quotes provided by online insurance companies. It is quite easy and can be accomplished using a couple different methods.

  1. The easiest and least time consuming way to get quotes would be an industry-wide quote request form like this one (opens in new window). This form eliminates the need for separate quotation requests to each individual car insurance company. Completing one form will return quotes instantly.
  2. A less efficient way to shop for car insurance online requires visiting the website for every company you want to comare and request a quote. For instance, let’s assume you want to compare USAA, Geico and Progressive. You would have to take the time to go to each site to input your insurance information, which is why the first method is more popular. For a handy list of car insurance company links in your area, click here.

Whichever way you use, make sure you use exactly the same coverage limits and deductibles on every quote you get. If you enter unequal deductibles or liability limits it will be very difficult to make a fair comparison for your Nissan 370Z.

Tailor your coverage to you

When buying the best auto insurance coverage, there isn’t really a cookie cutter policy. Every insured’s situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that may help highlight whether you might need professional guidance.

  • Why do I only qualify for high-risk insurance?
  • How can I force my company to pay a claim?
  • Is my Nissan 370Z covered if I use it for business?
  • Do I need replacement cost coverage on my 2013 Nissan 370Z?
  • Who is covered when they drive my 2013 Nissan 370Z?
  • How much liability insurance is required?
  • When does my teenage driver need to be added to my policy?
  • Is business property covered if stolen from my car?
  • Should I file a claim if it’s only slightly more than my deductible?

If it’s difficult to answer those questions then you might want to talk to a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area. It is quick, free and can provide invaluable advice.

Save $430 a year. For real?

Consumers can’t ignore all the ads for car insurance savings by Progressive, Allstate and Geico. All the companies make an identical promise about savings if you move to their company.

How do they all claim to save you money? It’s all in the numbers.

Different companies have a certain “appetite” for the right customer they prefer to insure. A good example of a driver they prefer could be between the ages of 30 and 50, has no tickets, and drives newer vehicles. A customer who meets those qualifications will qualify for the lowest rates and most likely will save when they switch companies.

Potential customers who don’t meet the requirements must pay a higher premium which leads to the customer not buying. The ads state “customers who switch” not “everyone that quotes” save that much. This is how companies can truthfully claim big savings.

This illustrates why you need to quote coverage with many companies. It’s just too difficult to predict which insurance companies will have the lowest Nissan 370Z insurance rates.

Car insurance coverages explained

Having a good grasp of a car insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and coverage can change by endorsement. Below you’ll find typical coverage types found on most car insurance policies.

Liability auto insurance

Liability insurance protects you from damage that occurs to a person or their property that is your fault. This coverage protects you from claims by other people, and does not provide coverage for 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. As an example, you may have limits of 100/300/100 which stand for a $100,000 limit per person for injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against things like legal defense fees, medical expenses and medical services. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

Collision insurance

Collision coverage will pay to fix damage to your 370Z from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as sideswiping another vehicle, scraping a guard rail, driving through your garage door, sustaining damage from a pot hole and crashing into a building. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Another option is to bump up the deductible to bring the cost down.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance reimburse you for expenses for chiropractic care, doctor visits, pain medications and EMT expenses. The coverages can be used in conjunction with a health insurance program or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Comprehensive car insurance

This covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like damage from getting keyed, damage from a tornado or hurricane and a broken windshield. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your 2013 Nissan 370Z.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually these limits are similar to your liability insurance amounts.

Stretch your dollar

You just read some good ideas how to get a better price on 2013 Nissan 370Z insurance. The key thing to remember is the more you quote, the more likely it is that you will get a better rate. You may even find the most savings is with the smaller companies. Regional companies may often insure only within specific states and give getter rates compared to the large companies like Allstate, Geico and Progressive.

Budget-conscious insurance can be bought online and also from your neighborhood agents, and you need to price shop both to have the best rate selection. A few companies may not provide online price quotes and usually these smaller companies provide coverage only through local independent agents.

More detailed car insurance information is located in these articles: