Save on 2012 Nissan 370Z Insurance Rates

Trying to find cheaper insurance for your Nissan 370Z can turn out to be a painful process, but you can learn a few tricks and make it easy. There are more efficient ways to compare car insurance rates and you need to know the absolute fastest way to quote coverages for a new or used Nissan and find the lowest possible price from both online companies and local agents.

You should make it a habit to shop coverage around quite often due to the fact that insurance prices are variable and change quite frequently. Even if you got the best quotes for 370Z insurance last year you can probably find a lower rate today. Ignore everything you know about car insurance because it’s time to teach you the things you must know in order to find better rates and still maintain coverage.

Low cost insurance coverage prices

Shopping for lower insurance coverage rates can be a lot of work if you don’t utilize the most efficient way to do it. You can waste hours talking to agents in your area, or you could save time and use the internet to get pricing more quickly.

The majority of car insurance companies participate in an industry program that enables customers to complete one form, and each participating company returns a rated price determined by their information. This eliminates the need for quote forms for each company you want a rate for.

To participate in this free quote system, click here to open in new window.

The one disadvantage to comparing rates this way is buyers cannot specifically choose the insurers to get quotes from. If you would rather choose specific insurance companies to receive pricing from, we have a listing of the cheapest insurance coverage companies in your area. Click to view list.

It’s your choice how you get your quotes, but make sure you compare nearly identical information with each company. If you are comparing different data it will be impossible to truly determine the lowest rate.

More discounts mean cheap premiums

Car insurance can cost a lot, but you might be missing out on some discounts to help offset the cost. Many of these discounts will be applied automatically when you quote, but some must be inquired about before they will apply.

  • Driver Education Discount – Teen drivers should complete a driver education course if it’s offered in school.
  • Save with More Vehicles Insured – Insuring more than one vehicle with the same company can reduce rates for all insured vehicles.
  • Military Discounts – Being on active deployment in the military may lower your prices slightly.
  • Anti-theft System – Cars and trucks with anti-theft systems are less likely to be stolen and therefore earn up to a 10% discount.
  • Braking Control Discount – Vehicles that have anti-lock braking systems have fewer accidents so you can save 10 percent or more.
  • No Charge for an Accident – Not necessarily a discount, but companies like Libery Mutual, Geico and Allstate permit an accident before your rates go up if your claims history is clear prior to being involved in the accident.
  • Discount for Multiple Policies – When you have multiple policies with one company you will save nearly 15% which can help you find inexpensive insurance coverage.
  • New Vehicle Savings – Buying a new car instead of a used car can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Passive Restraint Discount – Vehicles equipped with air bags and/or automatic seat belt systems could see savings of 25 to 30%.

A quick disclaimer, many deductions do not apply to all coverage premiums. Most cut specific coverage prices like comp or med pay. Just because you may think adding up those discounts means a free policy, it doesn’t quite work that way.

A few popular companies and their possible discounts include:

  • Geico policyholders can earn discounts including multi-vehicle, anti-lock brakes, federal employee, anti-theft, and driver training.
  • Travelers offers discounts including student away at school, save driver, home ownership, early quote, multi-car, and new car.
  • Farm Bureau may offer discounts for 55 and retired, good student, driver training, youthful driver, renewal discount, and multi-policy.
  • Liberty Mutual includes discounts for multi-policy, newly married, preferred payment discount, new move discount, multi-car, and new vehicle discount.
  • American Family may have discounts that include good student, multi-vehicle, defensive driver, TimeAway discount, bundled insurance, air bags, and Steer into Savings.
  • Progressive has savings for online quote discount, multi-vehicle, multi-policy, online signing, continuous coverage, and homeowner.

When quoting, ask each company which discounts can lower your rates. A few discounts may not apply to policyholders in your area. If you would like to choose from a list of auto insurance companies that offer some of these discounts, click here.

It’s not one size fits all

When choosing the best car insurance coverage, there really is no cookie cutter policy. Everyone’s situation is a little different.

Here are some questions about coverages that might point out whether you might need professional guidance.

  • What is high-risk coverage and where do I buy it?
  • How much liability coverage do I need in my state?
  • Is my babysitter covered when using my vehicle?
  • How can I get my company to pay me more for my totalled car?
  • Do I need replacement cost coverage on my 2012 Nissan 370Z?
  • Does insurance cover damages from a DUI accident?
  • Is my Nissan 370Z covered if I use it for business?
  • Is my business laptop covered if it gets stolen from my vehicle?

If you can’t answer these questions but you know they apply to you, you may need to chat with an agent. If you want to speak to an agent in your area, complete this form. It is quick, free and you can get the answers you need.

Find Nissan 370Z insurance cheaper

Part of the auto insurance buying process is learning the factors that help calculate the rates you pay for auto insurance. If you understand what influences your rates, this enables you to make decisions that can earn you cheaper rates.

  • More than one policy can earn a discount – The majority of insurers allow a discount to customers that buy multiple policies in the form of a multi-policy discount. The discount can add up to as much as ten percent or more Even if you’re getting this discount it’s always a smart idea to get quotes from other companies to ensure the best deal.
  • Your credit rating is important – Your credit score can be an important factor in determining what you pay. Drivers who have very high credit ratings tend to be better risks to insure than drivers who have lower ratings. So if your credit history is low, you could save money insuring your 2012 Nissan 370Z by taking the time to improve your credit score.
  • Do you have enough liability protection? – Your policy’s liability coverage will afford coverage in the event that you are ruled to be at fault for physical damage or personal injury to other. Liability provides you with a defense in court to defend your case. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so drivers should buy more than the minimum limits required by law.
  • Prevent theft and save – Purchasing a vehicle with an alarm system can get you a discount on your auto insurance. Theft prevention features such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack help track and prevent car theft.
  • Keep the miles off and save – The higher the miles on your Nissan in a year the more you’ll pay to insure your vehicle. Almost all companies apply a rate based on their usage. Vehicles that are left in the garage cost less to insure than those used for commuting. Having an incorrect usage rating on your 370Z may be costing you. It’s a good idea to make sure your policy is showing the correct usage for each vehicle.

Misconceptions in insurance advertisements

Consumers constantly see and hear ads that claim the best rates by 21st Century, Allstate and State Farm. All the companies advertise claims that drivers can save some big amount just by moving your insurance coverage to their company.

Is it even possible that every company can offer drivers better rates? This is how they do it.

All the different companies can use profiling for the type of driver they prefer to insure. An example of a desirable risk could be between 25 and 40, has had continuous coverage, and drives less than 7,500 miles a year. Any person that fits those parameters may get the lowest car insurance rates and have a good chance to save when switching.

People who do not meet this stringent profile may be forced to pay more expensive rates and this can result in the driver buying from a lower-cost company. The trick companies use is to say “drivers that switch” not “all people who quote” can save as much as they claim. That’s why insurance companies can make those claims. This really drives home the point why drivers must get insurance coverage quotes from several different companies. You cannot predict which insurance companies will fit your personal profile best.

Educate yourself about auto insurance coverages

Having a good grasp of your auto insurance policy aids in choosing which coverages you need for your vehicles. Auto insurance terms can be impossible to understand and nobody wants to actually read their policy.

Auto collision coverage

This coverage will pay to fix damage to your 370Z from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims such as hitting a mailbox, crashing into a ditch and backing into a parked car. This coverage can be expensive, so consider removing coverage from older vehicles. You can also increase the deductible to save money on collision insurance.

Uninsured and underinsured coverage

This coverage provides protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Nissan 370Z.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Liability auto insurance

Liability insurance provides protection from damages or injuries you inflict on other’s property or people. This coverage protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 25/50/25 which means a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for things like court costs, legal defense fees, attorney fees, repair costs for stationary objects and pain and suffering. How much coverage you buy is up to you, but buy higher limits if possible.

Comprehensive coverages

This will pay to fix 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 coverage protects against claims such as vandalism, rock chips in glass, damage from a tornado or hurricane and hitting a bird. The maximum amount your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for ambulance fees, pain medications, EMT expenses, prosthetic devices and dental work. They are utilized in addition to your health insurance plan or if you are not covered by health insurance. Coverage applies to both the driver and occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Shop around and save

Consumers switch companies for any number of reasons including policy cancellation, an unsatisfactory settlement offer, being labeled a high risk driver and unfair underwriting practices. No matter why you want to switch, choosing a new company is pretty easy and you might even save some money in the process.

You just learned many tips how you can get a better price on 2012 Nissan 370Z insurance. The key thing to remember is the more quotes you get, the better likelihood of getting inexpensive insurance coverage. You may even find the best price on car insurance is with a small mutual company.

When buying insurance coverage, don’t be tempted to skimp on critical coverages to save a buck or two. There are many occasions where consumers will sacrifice full coverage only to find out that the few dollars in savings costed them thousands. The proper strategy is to purchase a proper amount of coverage for the lowest cost, not the least amount of coverage.

Additional articles