Compare 2014 Nissan 370Z Insurance Quotes

Searching for lower auto insurance rates for your Nissan 370Z? Wish you could get out of high-priced auto insurance? Say no more because there are a lot of people just like you who feel imprisoned by their auto insurance policy. Due to the increasing number of options when it comes to auto insurance, it is very difficult to locate the lowest cost insurer.

How to compare insurance coverage quotes

Most major insurance companies allow you to get insurance quotes from their websites. Obtaining pricing doesn’t take much effort as you simply enter your coverage preferences into the form. When the form is submitted, their quoting system collects reports for credit and driving violations and generates a price based on the information you submitted. Online price quotes makes comparing rates easy, but the time required to go to many different websites and type in the same information can get tiresome after awhile. But it’s very important to compare as many rates as possible in order to get the lowest possible prices on insurance coverage.

A more efficient way to find cheaper rates uses one simple form that analyzes rates from multiple companies. It’s a real time-saver, eliminates form submissions, and makes online shopping much more efficient. After sending the form, your coverage is rated and you are able to buy any one of the resulting price quotes. If you find a better price you simply finish the application and buy the policy. It can be completed in a matter of minutes and may result in a nice savings.

In order to use this form to compare rates, click here to open in new window and begin entering your coverage information. To compare your current rates, we recommend you duplicate deductibles and limits as close as possible to your current policy. Doing this guarantees you will have a fair comparison for similar coverage.

Do you qualify for discount car insurance?

Companies don’t always publicize the entire discount list in a way that’s easy to find, so we took the time to find some of the more common as well as some of the hidden discounts that you can inquire about if you buy insurance online.

  • Payment Discounts – By making one initial payment as opposed to paying monthly you could save 5% or more.
  • Defensive Driving Course – Taking a defensive driving course may get you a small discount if you qualify.
  • Service Members Pay Less – Being on active duty in the military can result in better rates.
  • Life Insurance Discount – Car insurance companies who offer life insurance give a lower premium rate if you buy a life insurance policy as well.
  • Federal Employees – Active or retired federal employment could qualify for a slight premium decrease on 370Z insurance but check with your company.
  • Senior Citizens – Older drivers may be able to get reduced rates on 370Z insurance.
  • Professional Organizations – Joining a civic or occupational organization could trigger savings on your next renewal.
  • College Student Discount – Children who are enrolled in a college that is more than 100 miles from home and do not have a car may be able to be covered for less.

A little note about advertised discounts, most of the big mark downs will not be given to the entire policy premium. Most cut the cost of specific coverages such as physical damage coverage or medical payments. So when the math indicates adding up those discounts means a free policy, companies wouldn’t make money that way.

A few of the larger companies and a partial list of their discounts can be read below.

  • State Farm may include discounts for Steer Clear safe driver discount, multiple policy, driver’s education, safe vehicle, defensive driving training, passive restraint, and student away at school.
  • Geico discounts include anti-lock brakes, military active duty, driver training, seat belt use, anti-theft, air bags, and membership and employees.
  • Liberty Mutual offers discounts for new move discount, new vehicle discount, preferred payment discount, multi-policy, and safety features.
  • The Hartford has savings for good student, air bag, bundle, vehicle fuel type, driver training, anti-theft, and defensive driver.
  • MetLife includes discounts for claim-free, multi-policy, good driver, good student, accident-free, and defensive driver.
  • Progressive may offer discounts for continuous coverage, multi-vehicle, multi-policy, online signing, homeowner, online quote discount, and good student.

If you are trying to find affordable insurance quotes, ask all the companies which discounts you may be entitled to. Some discounts listed above might not be offered on policies in your area. To locate insurers that offer some of these discounts, click here to view.

How insurers calculate Nissan 370Z insurance rates

Consumers need to have an understanding of a few of the rating criteria that aid in calculating your policy premiums. When consumers understand what determines premiums, this enables you to make decisions that may result in lower premium levels.

  • Your address can impact premiums – Choosing to live in areas with lower population can save you money if you are looking for the lowest rates. Fewer drivers and short commutes means less chance of accidents in addition to fewer liability claims. Drivers who live in large cities have traffic congestion and longer commutes to work. More time commuting translates into higher accident risk.
  • Never have car insurance policy lapses – Allowing your coverage to lapse can be a fast way to increase your renewal premiums. And not only will insurance be more expensive, failure to provide proof of insurance can result in fines and jail time. You may have to submit proof of financial responsibility or a SR-22 with your state DMV.
  • Your gender affects prices – Over the last 30 years, statistics show females are less aggressive when driving. However, this does not mean women are better drivers. Men and women cause fender benders at a similar rate, but males have accidents that have higher claims. Not only are claims higher, but men receive more major tickets such as driving while intoxicated (DWI) or driving recklessly.
  • Good drivers pay the best costs – Careful drivers get better prices than people who have multiple driving citations. Having just one citation can boost insurance rates twenty percent or more. Drivers who have received flagrant violations like reckless driving, hit and run or driving under the influence may find they need to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to legally drive a vehicle.
  • Drive less and pay lower prices – Driving a lot of miles annually the more you will pay for car insurance. The majority of insurers calculate prices determined by how the vehicle is used. Cars and trucks left parked in the garage receive better premium rates than cars that get driven a lot. Double check that your car insurance policy is showing the proper vehicle usage, because it can save money. An improperly rated 370Z may be costing you higher rates.
  • Keep rates low by being claim-free – If you’re an insured who likes to file claims you should expect higher rates. Insurance companies generally give discounts to people who are claim-free. Your insurance policy is intended to be relied upon for the large, substantial claims.
  • Higher prices for demanding employers – Jobs such as lawyers, social workers and dentists generally have higher average rates attributed to job stress and lots of time spent at work. On the other hand, jobs like farmers, athletes and homemakers generally pay rates lower than average on 370Z insurance.

What insurance coverages do I need?

When choosing the right insurance coverage, there isn’t really a best way to insure your cars. Everyone’s situation is unique so your insurance needs to address that. Here are some questions about coverages that can help discover if your situation would benefit from an agent’s advice.

  • Am I covered when delivering products for my home-based business?
  • Does my car insurance cover rental cars?
  • How much liability do I need to cover my assets?
  • What is no-fault insurance?
  • Am I covered if my car is in a flood?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Do I have coverage if my license is suspended?
  • Is a new car covered when I drive it off the dealer lot?
  • Are rental cars covered under my policy?
  • Do I have any recourse if my insurance company denies a claim?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.

Coverages available on your policy

Understanding the coverages of a car insurance policy can be of help when determining the best coverages for your vehicles. The terms used in a policy can be confusing and nobody wants to actually read their policy. Below you’ll find the usual coverages found on the average car insurance policy.

Collision – This coverage covers damage to your 370Z from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as driving through your garage door, sustaining damage from a pot hole, colliding with a tree, crashing into a ditch and crashing into a building. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. You can also bump up the deductible to bring the cost down.

Insurance for medical payments – Med pay and PIP coverage pay for immediate expenses for funeral costs, ambulance fees, prosthetic devices and chiropractic care. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants and also covers being hit by a car walking across the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision) – Comprehensive insurance covers damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for things such as hail damage, vandalism, a tree branch falling on your vehicle, damage from flooding and fire damage. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Auto liability – Liability coverage provides protection from damage or injury you incur to a person or their property by causing an accident. This insurance protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against things such as emergency aid, legal defense fees and attorney fees. The amount of liability coverage you purchase is your choice, but consider buying higher limits if possible.

Uninsured Motorist or Underinsured Motorist insurance – This coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Don’t be a big spender

We’ve covered quite a bit of information on how to lower your 2014 Nissan 370Z insurance car insurance rates. The key concept to understand is the more you quote insurance, the more likely it is that you will get a better rate. You may be surprised to find that the lowest car insurance rates are with a company that doesn’t do a lot of advertising. Some small companies may cover specific market segments cheaper than their larger competitors like Geico and State Farm.

Lower-priced 2014 Nissan 370Z insurance is definitely available from both online companies as well as from insurance agents, so you need to quote insurance with both in order to have the best chance of saving money. Some insurance companies do not provide rates over the internet and these smaller companies only sell through independent agents.

To learn more, link through to the articles below: