Compare 2008 Nissan 350Z Insurance Quotes

Locating low-cost insurance for a Nissan 350Z can normally be a lot of work, but you can follow these tips to make it easier.

There is a right way and a wrong way to compare auto insurance rates so you’re going to learn the quickest way to compare rates for a Nissan and obtain the best price possible.

Smart buyers save money

Many things are part of the equation when premium rates are determined. Some of the criteria are obvious such as your driving record, but others are not as apparent like your vehicle usage or how financially stable you are.

The factors shown below are just a few of the factors used by insurance companies to determine your rate level.

  • Prevent insurance policy lapses – Going without insurance is a sure-fire way to pay more for insurance. Not only will rates go up, the inability to provide proof of insurance may earn you a hefty fine and possibly a revoked license.
  • Your stress level may be raising your prices – Occupational choices like judgesairline pilots and emergency personnel are shown to have the highest rates attributed to intense work-related stress and lengthy work days. On the other hand, jobs like farmers, historians and performers generally pay rates lower than average on 350Z insurance.
  • Improve your credit history – A driver’s credit score can be an important factor in determining what you pay. So if your credit rating could use some work, you could pay less to insure your 2008 Nissan 350Z if you clean up your credit. Drivers with high credit ratings tend to be more responsible than drivers with lower credit ratings.
  • Use one insurance company and save – Most insurers will give lower prices to policyholders who carry more than one policy such as combining an auto and homeowners policy. This can amount to anywhere from five to ten percent in most cases. Even if you qualify for this discount already, you still need to get quotes from other companies to help ensure you have the lowest rates.
  • Costs also based on gender – Over the last 50 years, statistics have shown that females tend to be a little less risky than males. This data doesn’t prove that women are BETTER drivers than men. Females and males tend to get into fender benders at about the same rate, but the males tend to have higher claims. Men also get higher numbers of serious violations like reckless driving and DUI. Youthful male drivers generally have the highest accident percentage and therefore have the most expensive insurance rates.
  • Save by driving less – The more you drive annually the more you’ll pay to insure your vehicle. The majority of insurers rate vehicles based on their usage. Autos that do not get driven very much receive lower rates than those used for commuting. It’s a good idea to make sure your insurance coverage is showing the correct usage. Improper usage on your 350Z is throwing money out the window.
  • Getting married equates to better premiums – Being married can actually save you money on your insurance bill. Having a spouse demonstrates that you tend to be less irresponsible and insurance companies reward insureds because married couples file fewer claims.
  • Alarm systems save money – Purchasing a vehicle with a theft deterrent system can help lower your premiums. Theft prevention devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help stop your car from being stolen.

Verify you’re receiving every discount

Companies don’t always publicize all their discounts very clearly, so we break down both well-publicized and also the lesser-known credits available to you.

  • Homeowners Pay Less – Being a homeowner can get you a discount due to the fact that maintaining a home is proof of financial responsibility.
  • Military Deployment Discount – Having a deployed family member may qualify for rate reductions.
  • Claim-Free Discount – Drivers with accident-free driving histories get the best insurance rates when compared to drivers who are more careless.
  • Anti-theft Discount – Anti-theft and alarm system equipped vehicles prevent vehicle theft and that can save you a little bit as well.
  • Paper-free Discount – Some insurance companies will give you a small discount shop auto insurance over the internet.
  • Discount for Passive Restraints – Vehicles with factory air bags or motorized seat belts may qualify for discounts as much as 30%.
  • Life Insurance – Some insurance companies give a discount if you purchase some life insurance too.
  • Driver Training Discounts – Taking a course in defensive driver could save 5% or more and easily pay for the cost of the class.
  • Discounts for Government Workers – Active or retired federal employment could cut as much as 10% off on 350Z insurance depending on your company.
  • Discounts for Multiple Vehicles – Buying insurance for multiple vehicles with the same company could earn a price break for each car.

Keep in mind that some credits don’t apply to your bottom line cost. Most only apply to the cost of specific coverages such as collision or personal injury protection. Even though it appears all those discounts means the company will pay you, you’re out of luck. Any qualifying discounts should definitely cut your insurance premiums.

Large insurance companies and some of their more popular discounts are shown below.

  • Progressive may have discounts that include homeowner, good student, online signing, multi-vehicle, continuous coverage, online quote discount, and multi-policy.
  • MetLife includes discounts for claim-free, good driver, accident-free, defensive driver, and multi-policy.
  • Mercury Insurance may include discounts for age of vehicle, low natural disaster claims, location of vehicle, accident-free, ease of repair, and professional/association.
  • Nationwide discounts include good student, family plan, business or organization, multi-policy, defensive driving, and accident-free.
  • Geico has savings for military active duty, seat belt use, multi-policy, driver training, and anti-theft.
  • AAA offers premium reductions for multi-car, pay-in-full, good student, education and occupation, anti-theft, and AAA membership discount.

Before you buy a policy, ask each company or agent which discounts they offer. All car insurance discounts may not apply to policyholders everywhere.

When should I discuss my situation with an agent?

When buying coverage, there really is not a one size fits all plan. Coverage needs to be tailored to your specific needs.

For instance, these questions can aid in determining whether or not you would benefit from an agent’s advice.

  • Am I covered if I hit my neighbor’s mailbox?
  • What is covered by UM/UIM coverage?
  • What is the difference between comprehensive and collision coverage?
  • Am I covered when delivering products for my home-based business?
  • Does my medical payments coverage pay my health insurance deductible?
  • What is the rate difference between pleasure use and commuting?
  • Is a blown tire covered by insurance?
  • What is an SR-22 filing?

If you can’t answer these questions but a few of them apply then you might want to talk to an agent. To find lower rates from a local agent, complete this form. It only takes a few minutes and can provide invaluable advice.

Specific coverage details

Learning about specific coverages of insurance helps when choosing the best coverages at the best deductibles and correct limits. Insurance terms can be ambiguous and nobody wants to actually read their policy.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses such as prosthetic devices, doctor visits and X-ray expenses. They are used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. They cover you and your occupants in addition to any family member struck as a pedestrian. PIP is not universally available and may carry a deductible

Liability auto insurance

This can cover damage that occurs to other people or property. It protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 50/100/50 which means a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Another option is a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers claims like repair bills for other people’s vehicles, medical services, structural damage and bail bonds. How much coverage you buy is your choice, but you should buy higher limits if possible.

Comprehensive coverage (or Other than Collision)

This pays for damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like theft, hitting a deer, rock chips in glass, falling objects and a tree branch falling on your vehicle. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family 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. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually the UM/UIM limits are similar to your liability insurance amounts.

Auto collision coverage

This coverage covers damage to your 350Z from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as scraping a guard rail, rolling your car, driving through your garage door, damaging your car on a curb and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to bring the cost down.

Find Good Coverage for Less

Consumers switch companies for a number of reasons such as questionable increases in premium, delays in responding to claim requests, extreme rates for teen drivers or high prices. Regardless of your reason for switching companies, switching auto insurance companies can be pretty painless.

When shopping online for auto insurance, do not skimp on coverage in order to save money. There are a lot of situations where an insured dropped uninsured motorist or liability limits and found out when filing a claim they didn’t have enough coverage. The proper strategy is to buy a smart amount of coverage at the best cost and still be able to protect your assets.

Cheaper auto insurance is available from both online companies and from local insurance agents, and you should compare rates from both to have the best rate selection. There are still a few companies who may not offer price quotes online and most of the time these small, regional companies only sell coverage through local independent agents.

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