2018 Nissan GT-R Insurance Quotes – 10 Tricks for Cheaper Rates

Looking for cheaper car insurance rates for your Nissan GT-R? If you’ve never shopped for auto insurance quotes online, you can easily be overwhelmed thanks to the incredible selection of insurance providers that all promise the best rates.

Buying the cheapest coverage is easy if you know what you’re doing. Basically, every vehicle owner who has to buy auto insurance stands a good chance to be able to find better rates. Nevertheless, vehicle owners can benefit from knowing how companies market insurance on the web and take advantage of how the system works.

Insurance rates and discounts

Some providers don’t always publicize all disounts very well, so the following is a list of both the well known and also the lesser-known credits available to lower your premiums when you buy auto insurance online. If you are not receiving all the discounts you qualify for, you could be saving more on your insurance.

  • Passive Restraint Discount – Factory options such as air bags can qualify for discounts of 20% or more.
  • Discount for Swiching Early – A few insurance companies allow discounts for signing up prior to the expiration date on your current policy. You can save around 10% with this discount.
  • Full Payment Discount – By making one initial payment rather than paying in monthly installments you can actually save on your bill.
  • Bundle and Save – If you can bundle your home and auto insurance and place coverage with the same company you may earn up to 20% and get you cheap auto insurance.
  • Drive Safe and Save – Safe drivers could pay up to 40% less on GT-R coverage compared to rates paid by drivers with frequent claims.
  • Multiple Vehicles – Buying a policy with all your vehicles with the same insurance company can get a discount for every vehicle.
  • Onboard Data Collection – People who choose to allow driving data submission to scrutinize when and where they use their vehicle remotely like Drivewise from Allstate or In-Drive from State Farm could see a rate decrease if they exhibit good driving behavior.
  • Low Mileage Discounts – Fewer annual miles on your Nissan may allow you to get lower premium rates due to less chance of an accident.
  • Senior Citizens – Drivers over the age of 55 could receive lower premium rates on GT-R coverage.
  • Accident-Free Discounts – Drivers with accident-free driving histories can save substantially in comparison with policyholders that have many claims.

Please keep in mind that some of the credits will not apply to the entire cost. Some only apply to individual premiums such as physical damage coverage or medical payments. Despite the appearance that all the discounts add up to a free policy, it’s just not the way it works.

A list of insurance companies and their offered discounts are:

  • Farm Bureau has savings for good student, multi-policy, safe driver, youthful driver, multi-vehicle, 55 and retired, and renewal discount.
  • State Farm discounts include good driver, Steer Clear safe driver discount, accident-free, passive restraint, anti-theft, defensive driving training, and multiple autos.
  • Progressive offers premium reductions for multi-vehicle, multi-policy, online signing, online quote discount, homeowner, good student, and continuous coverage.
  • Allstate may have discounts that include teenSMART discount, FullPay discount, auto/life discount, eSmart discount, EZ pay plan discount, passive restraint, and early signing.
  • Nationwide offers discounts for business or organization, defensive driving, Farm Bureau membership, easy pay, and multi-policy.
  • MetLife has discounts for multi-policy, claim-free, good driver, accident-free, defensive driver, good student

If you are trying to find the cheapest auto insurance quotes, ask each company how you can save money. Discounts might not be offered in your area. To locate insurance companies that provide some of the discounts listed above, click this link.

Shop auto insurance online

When shopping for cheaper auto insurance quotes, there are a couple of ways of comparing rates from local auto insurance companies. The recommended way to compare 2018 Nissan GT-R insurance prices is to use the internet to compare rates. This is quite simple and can be completed in a couple minutes as outlined below.

  1. The easiest and least time consuming way to find the lowest comparison rates would be an industry-wide quote request form click here to open form in new window. This easy form keeps you from doing repetitive form entry for each price estimate. A single form will return quotes from multiple companies. Recommended for those who want to invest the least amount of time.
  2. Another way to shop for auto insurance online is to manually visit the website of each company and repeat the quote process again and again. For examples sake, let’s assume you are doing a rate comparison from Geico, Progressive and American Family. To get rate quotes you would need to spend time going to each site individually and enter your policy data, which is not fast way to get rate quotes. To view a list of companies in your area, click here.
  3. The hardest way to find lower rates is going to different agent offices. The fact that you can get quotes online eliminates this option unless you prefer the professional assistance that can only be provided by a licensed insurance agent. However, consumers can obtain prices from the web but buy the policy through an agent.

How you compare quotes is your choice, just be sure to compare identical coverage limits with each company. If you compare different limits and deductibles on each one it will be very difficult to decipher which rate is best. Having just a slight variation in coverages could skew the results. And when price shopping your coverage, making a lot of price comparisons helps locate more affordable insurance.

Situations that may require an agent’s advice

When choosing proper insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs.

These are some specific questions could help you determine whether your personal situation might need professional guidance.

  • Is there coverage for injuries to my pets?
  • Do I need added coverage for expensive stereo equipment?
  • Does my car insurance cover rental cars?
  • What if I don’t agree with a claim settlement offer?
  • Do I need replacement cost coverage?
  • Do I pay less for low miles?
  • Am I covered if I drive in a foreign country?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to an agent. If you want to speak to an agent in your area, complete this form.

Coverage specifics

Learning about specific coverages of car insurance can be of help when determining which coverages you need for your vehicles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Comprehensive auto coverage

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as damage from a tornado or hurricane, hitting a bird, damage from getting keyed, falling objects and theft. The highest amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses such as hospital visits, doctor visits and X-ray expenses. They are utilized in addition to your health insurance program or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Auto liability insurance

This provides protection from injuries or damage you cause to other’s property or people by causing an accident. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 25/50/25 that translate to a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Some companies may use a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers things such as emergency aid, repair bills for other people’s vehicles and legal defense fees. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Auto collision coverage

Collision insurance will pay to fix damage to your GT-R caused by collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision can pay for things such as rolling your car, colliding with a tree, scraping a guard rail and crashing into a building. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. It’s also possible to increase the deductible in order to get cheaper collision rates.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Normally the UM/UIM limits are set the same as your liablity limits.

Make an honest buck

Insureds change insurance companies for many reasons like extreme rates for teen drivers, unfair underwriting practices, policy non-renewal and being labeled a high risk driver. No matter why you want to switch, switching companies is less work than it seems.

While you’re price shopping online, it’s a bad idea to buy poor coverage just to save money. In too many instances, an accident victim reduced comprehensive coverage or liability limits only to regret at claim time that the few dollars in savings costed them thousands. Your goal is to purchase a proper amount of coverage for the lowest price.

Discount 2018 Nissan GT-R insurance is possible from both online companies as well as from insurance agents, so get free auto insurance quotes from both of them to have the best selection. There are still a few companies who may not provide internet price quotes and usually these small insurance companies only sell through independent agents.

More articles