Compare 2016 Nissan 370Z Insurance Rates

Searching for the cheapest insurance coverage rates for your Nissan 370Z? Saving money on insurance coverage is difficult for consumers new to comparison shopping online. Drivers have so many options available that it can easily become a real challenge to locate the lowest price.

The most recommended method to get rate comparisons is to take advantage of the fact car insurance companies participate in a system to give you rate quotes. To begin a comparison, all you need to do is provide a little information including the type of vehicles you drive, whether you are single or married, whether you drive to work or school, and level of coverage desired. Your insurance information is then sent to many different companies and you receive quotes instantly.

Discounts are available to cut your rates

Companies that sell car insurance don’t always list all available discounts in a way that’s easy to find, so we break down some of the best known and also the lesser-known discounts you could be receiving.

  • Air Bag Discount – Vehicles equipped with air bags may earn rate discounts up to 30%.
  • Seat Belts Save more than Lives – Requiring all passengers to buckle their seat belts can save 10% or more off your medical payments premium.
  • Auto/Home Discount – If you insure your home and vehicles with the same insurance company you may earn approximately 10% to 15%.
  • Government Employees – Simply working for the federal government can save as much as 8% for 370Z coverage with a few car insurance companies.
  • Drivers Ed for Students – Have your child complete a driver education course if it’s offered in school.
  • Early Signing – Select companies give a discount for signing up prior to your current policy expiring. This can save 10% or more.
  • Low Mileage Discounts – Driving fewer miles can qualify you for a substantially lower rate.

As a disclaimer on discounts, many deductions do not apply to the entire cost. Most only apply to the price of certain insurance coverages like liability and collision coverage. Just because it seems like all the discounts add up to a free policy, you’re out of luck.

For a list of companies with the best car insurance discounts, click here.

Some factors that can determine what Nissan 370Z insurance costs

Smart consumers have a good feel for some of the elements that come into play when calculating car insurance rates. When you know what positively or negatively influences your rates empowers consumers to make smart changes that could result in better car insurance rates.

  • Discounts for multiple policies – Some insurance companies provide better rates to people who have multiple policies with them in the form of a multi-policy discount. Even if you’re getting this discount you still need to shop around to confirm you are receiving the best rates possible. Drivers may still find better rates by insuring with multiple companies.
  • Younger drivers pay higher rates – Older drivers are more cautious drivers, statistically cause fewer accidents and receive fewer citations. Teenage drivers tend to get distracted easily behind the wheel therefore car insurance rates are much higher.
  • Never go without insurance – Driving your car without having proper coverage is against the law and you will pay a penalty because you let your insurance expire. Not only will rates go up, getting caught without coverage can result in a license revocation or jail time.
  • Men fork out a little more – Statistics show that women are safer drivers than men. Now that doesn’t mean men are WORSE drivers than women. They both are in accidents at a similar rate, but men tend to have more serious accidents. Men also get cited for more serious violations such as reckless driving.
  • Your stress level may be raising your rates – Did you know your occupation can influence how much you pay for car insurance? Careers like judges, executives and dentists tend to have the highest average rates due to high stress and long work hours. Other jobs such as pilots, historians and performers receive lower rates for 370Z coverage.
  • Claim-free discounts can add up – If you frequently file small claims, you can definitely plan on higher rates. Car insurance companies award better rates to policyholders who are claim-free. Insurance coverage is intended for major claims that would cause financial hardship.
  • Save money with special equipment – Choosing a vehicle that has an advanced theft prevention system can save you a little every year. Theft prevention devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart auto theft.
  • More miles equals more premium – The more miles you rack up on your Nissan in a year’s time the more you’ll pay to insure your vehicle. Almost all companies charge to insure your cars determined by how the vehicle is used. Autos that are left in the garage get more affordable rates than those used for commuting. Verify your car insurance policy is showing how each vehicle is driven. Incorrect usage on your 370Z may be wasting your money.

Everyone needs different coverages

When choosing adequate coverage for your vehicles, there is no “best” method to buy coverage. Everyone’s situation is a little different.

These are some specific questions can aid in determining whether you would benefit from an agent’s advice.

  • Do I need replacement cost coverage?
  • Is my 2016 Nissan 370Z covered for flood damage?
  • Am I covered when driving someone else’s vehicle?
  • Does liability extend to a camper or trailer?
  • Does my personal policy cover me when driving out-of-state?
  • Does coverage extend to Mexico or Canada?
  • Are my tools covered if they get stolen from my vehicle?
  • Am I missing any policy discounts?
  • Why am I required to buy liability insurance?

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, fill out this quick form.

Can you really save $443 a year?

Car insurance providers like Geico, State Farm and Progressive continually stream ads in print and on television. They all make the same claim about savings after switching to their company. But how can every company say the same thing? This is how they do it.

All the different companies have a preferred profile for the type of customer they prefer to insure. A good example of a desirable insured could possibly be between 25 and 40, insures multiple vehicles, and has a short commute. A driver who matches those parameters will qualify for the lowest rates and therefore will save when they switch companies.

Potential customers who don’t qualify for this ideal profile must pay higher rates which usually ends up with business not being written. The ad wording is “drivers who switch” not “people who quote” save that much money. This is how insurance companies can advertise the way they do. This illustrates why drivers should get quotes from several different companies. It’s impossible to know which car insurance company will provide you with the cheapest Nissan 370Z insurance rates.

Auto insurance 101

Having a good grasp of your car insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

Liability car insurance

Liability insurance can cover injuries or damage you cause to other’s property or people by causing an accident. It protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability insurance covers claims such as attorney fees, emergency aid and structural damage. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy higher limits if possible.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance kick in for bills like prosthetic devices, funeral costs, hospital visits, chiropractic care and surgery. They can be utilized in addition to your health insurance plan or if you do not have health coverage. They cover all vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Comprehensive coverages

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as rock chips in glass, hitting a bird, a broken windshield and a tree branch falling on your vehicle. The most a car insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for collisions

This will pay to fix damage to your 370Z resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims like sustaining damage from a pot hole, rolling your car and sideswiping another vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to get cheaper collision coverage.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Nissan 370Z.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Final thoughts

Consumers change insurance companies for a variety of reasons including denial of a claim, high rates after DUI convictions, an unsatisfactory settlement offer and policy cancellation. Whatever your reason, finding the right insurance coverage provider is easier than you think.

You just read many ideas to compare 2016 Nissan 370Z insurance prices online. It’s most important to understand that the more rate quotes you have, the better chance you’ll have of finding lower rates. You may even find the biggest savings come from some of the lesser-known companies.

The cheapest insurance can be found on the web and with local insurance agents, so you should compare both in order to have the best chance of saving money. There are still a few companies who do not offer online quoting and most of the time these small insurance companies sell through independent agents.

Additional insurance coverage information can be read on the following sites: