2009 Nissan GT-R Insurance Rates – 8 Tricks for Cheaper Quotes

No one in their right mind looks forward to buying car insurance, in particular when their premiums are through the roof.

People have many insurance companies to choose from, and although it’s nice to be able to choose, more options can take longer to find the lowest cost provider.

You should take the time to compare rates before your next renewal because car insurance prices change quite often. Despite the fact that you may have had the lowest quotes for GT-R coverage on your last policy there may be better deals available now. Forget anything you know (or think you know) about car insurance because you’re about to learn the easiest way to reduce your cost while increasing coverage.

Low cost insurance coverage rate quotes

When shopping for insurance coverage there are multiple ways of comparing price quotes from different insurance companies. The easiest way to find cheaper Nissan GT-R rates consists of obtaining rate quotes online. This is quite simple and can be completed in just a few minutes using one of these methods.

  • The first (and easiest) way to get the best comparison quotes is a comparison rater form click to view form in new window. This style of form saves time by eliminating repetitive form submissions for each company you want a rate for. Just one form gets insurance cost estimates instantly.
  • A different way to get quotes online is to take the time to go to the website of each company and go through the quote process again. For instance, let’s assume you need rates from Farmers, Liberty Mutual and Geico. To find out each rate you need to go to each individual site and enter your policy data, which can be really labor intensive. For a list of links to companies insuring cars in your area, click here.

Whichever way you use, do your best to enter equivalent coverages and limits with every price quote. If the quotes have different data it’s not possible to determine the best price for your Nissan GT-R. Just a small difference in coverage limits may result in large price differences. It’s important to know that having more price comparisons increases your odds of finding a lower rate than you’re paying now.

Cheaper rates with these eight auto insurance discounts

The price of auto insurance can be rather high, but you might find some hidden discounts that you may not know about. A few discounts will automatically apply at the time you complete a quote, but a few must be asked for prior to receiving the credit.

  • Student Driver Training – It’s a good idea to have your young drivers complete a driver education course if it’s offered in school.
  • Discounts for New Vehicles – Adding a new car to your policy can cost up to 25% less because new vehicles are generally safer.
  • Discount for Good Grades – Being a good student can save 20 to 25%. The good student discount can last until age 25.
  • Onboard Data Collection – Drivers who agree to allow driving data submission to study when and where they use their vehicle through the use of a telematics system such as Progressive’s Snapshot may see discounts as long as the data is positive.
  • Homeowners Pay Less – Just owning your own home can get you a discount due to the fact that maintaining a home is proof that your finances are in order.
  • Discount for Passive Restraints – Options like air bags or automatic seat belts may earn rate discounts of up to 25% or more.
  • Low Mileage Discounts – Keeping the miles down on your Nissan can qualify you for better premium rates on cars that stay parked.
  • Theft Deterent Discount – Cars optioned with advanced anti-theft systems can help prevent theft and will qualify for a discount on a auto insurance quote.

As a disclaimer on discounts, some credits don’t apply to your bottom line cost. The majority will only reduce individual premiums such as liability and collision coverage. Even though it may seem like all those discounts means the company will pay you, companies don’t profit that way. Any qualifying discounts will bring down your policy premiums.

Large auto insurance companies and a selection of discounts are:

  • State Farm offers discounts including driver’s education, Drive Safe & Save, Steer Clear safe driver discount, anti-theft, safe vehicle, multiple autos, and accident-free.
  • Farmers Insurance has savings for good student, bundle discounts, multi-car, alternative fuel, business and professional, and mature driver.
  • Geico may offer discounts for defensive driver, five-year accident-free, military active duty, air bags, emergency military deployment, and seat belt use.
  • American Family may include discounts for multi-vehicle, early bird, mySafetyValet, Steer into Savings, air bags, bundled insurance, and TimeAway discount.
  • Nationwide discounts include easy pay, anti-theft, accident-free, business or organization, and family plan.
  • Progressive offers premium reductions for online signing, multi-vehicle, multi-policy, homeowner, good student, continuous coverage, and online quote discount.

When comparing rates, check with every insurance company to give you their best rates. Some of the earlier mentioned discounts may not apply to policies in your area.

Insurance can get complicated

When it comes to choosing the right insurance coverage, there really is no “perfect” insurance plan. Everyone’s situation is a little different and your policy should reflect that. For instance, these questions may help highlight whether your personal situation might need professional guidance.

  • Is my custom paint covered by insurance?
  • Should I waive the damage coverage when renting a car?
  • Does coverage extend to a rental car in a foreign country?
  • When should I remove comp and collision on my 2009 Nissan GT-R?
  • Am I covered if I break a side mirror?
  • Do I benefit by insuring my home with the same company?
  • Is my vehicle covered by my employer’s policy when using it for work?

If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Is there truth in advertising?

Respected companies like Progressive, Allstate and Geico endlessly run television and radio advertisements. All the companies advertise claims about savings if you move your policy. How do they all charge you less for car insurance? You have to listen carefully.

Insurance companies have specific criteria for the type of driver that will most likely be profitable. A good example of a preferred risk may be between 30 and 50, owns their home, and does not commute to work. A driver that matches those criteria receives the best prices and will probably save quite a bit of money when switching.

People who may not quite match the “perfect” profile will have to pay a higher premium and this results in business not being written. The wording the ads use say “people that switch” but not “everyone who gets a quote” will save that much if they switch. That’s the way companies can lure you into getting a quote.

Each company has different criteria, so you need to get a wide range of price quotes. It’s not possible to predict which insurance companies will fit you best based on your risk profile.

Learn about insurance coverages for a Nissan GT-R

Having a good grasp of a insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be ambiguous and reading a policy is terribly boring. These are typical coverage types found on the average insurance policy.

UM/UIM Coverage

This coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your 2009 Nissan GT-R.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Frequently the UM/UIM limits are set the same as your liablity limits.

Comprehensive or Other Than Collision

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as damage from flooding, a broken windshield, vandalism and damage from a tornado or hurricane. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical costs insurance

Medical payments and Personal Injury Protection insurance kick in for expenses like rehabilitation expenses, hospital visits and surgery. They are used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Coverage applies to you and your occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not universally available and may carry a deductible

Auto collision coverage

This pays for damage to your GT-R resulting from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision insurance covers things such as hitting a parking meter, crashing into a ditch and hitting a mailbox. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. You can also raise the deductible to save money on collision insurance.

Liability insurance

Liability insurance can cover damage or injury you incur to other’s property or people. This insurance protects YOU from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 50/100/50 that means you have 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. Occasionally you may see one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as repair costs for stationary objects, repair bills for other people’s vehicles, funeral expenses, court costs and loss of income. The amount of liability coverage you purchase is your choice, but consider buying as high a limit as you can afford.

At the end of the day…

When trying to cut insurance costs, do not sacrifice coverage to reduce premiums. In many cases, an insured dropped liability coverage limits only to regret that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to find the BEST coverage at the best price, not the least amount of coverage.

Discount 2009 Nissan GT-R insurance can be bought from both online companies and from local insurance agents, and you should be comparing both to have the best selection. Some car insurance companies do not offer online quoting and usually these regional insurance providers only sell through local independent agents.

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