Save on 2014 Nissan 370Z Insurance Rates

Searching for better insurance rates for your Nissan 370Z? Searching for affordable insurance online can be somewhat difficult for consumers not familiar with shopping for insurance online. When there are so many insurance companies available, how can anyone have a chance to compare every one to find the cheapest available price?

It’s a good habit to price shop coverage periodically since rates change regularly. If you had the best rates for 370Z insurance two years ago you can probably find a lower rate today. Ignore everything you know about insurance because I’m going to let you in on the secrets to how to quote online to get good coverage at a lower rate.

Verify you’re getting all your discounts

The price of auto insurance can be rather high, but there could be available discounts to help offset the cost. Some discounts apply automatically at quote time, but a few need to be inquired about before you will receive the discount.

  • Anti-lock Brakes – Vehicles equipped with ABS or steering control prevent accidents and earn discounts up to 10%.
  • Discounts for Safe Drivers – Safe drivers may save up to 50% more for 370Z insurance than less cautious drivers.
  • Life Insurance Discount – Some companies give a discount if you purchase auto and life insurance together.
  • Seat Belts Save – Requiring all passengers to wear their seat belts can save up to 15% off your medical payments premium.
  • Drivers Ed for Students – Have your child take driver’s ed class if it’s offered in school.
  • Accident Waiver – A handful of insurance companies allow you one accident without raising rates if you are claim-free for a set time period.
  • Theft Prevention Discount – Anti-theft and alarm systems help deter theft and will save you 10% or more.
  • Passive Restraints and Air Bags – Cars that have air bags or automatic seat belts can receive discounts of up to 25% or more.
  • Paperless Signup – A handful of insurance companies may give you up to $50 for buying a policy and signing up online.
  • Club Memberships – Affiliation with certain professional organizations may earn a discount when buying car insurance for 370Z insurance.

As a disclaimer on discounts, many deductions do not apply to your bottom line cost. Most cut the price of certain insurance coverages like liability, collision or medical payments. Just because it seems like you can get free auto insurance, companies wouldn’t make money that way. Any amount of discount will bring down the cost of coverage.

To see a list of providers with discount car insurance rates, follow this link.

How to Compare Auto Insurance

When shopping for auto insurance there are multiple ways of comparing rates and find the best price. The recommended way to find competitive 2014 Nissan 370Z insurance rates consists of shopping online. It is quite easy and can be accomplished using a couple different methods.

  1. The most efficient way to find low rates is an all-inclusive rate comparison click here to open form in new window. This type of form eliminates the need for separate quote forms for each company. One form submission will get you price quotes direct from many companies. It’s definitely the quickest method.
  2. A different way to obtain and compare quotes online requires visiting the website of each company to request a price quote. For examples sake, let’s assume you want rates from Progressive, Liberty Mutual and Farmers. To get rate quotes you would need to go to every website and enter your information, which is why most consumers use the first method. For a list of links to companies insuring cars in your area, click here.
  3. The least recommended way of comparing rate quotes is to spend time driving to different agent offices. The ability to buy insurance online makes this process obsolete unless you have a need for the trained guidance of a local agent. It is possible to get the lowest quotes online but still have the advice of a local agent. We’ll cover that shortly.

However you get your quotes, ensure you are comparing identical coverages and limits on every quote. If your comparisons have unequal deductibles or liability limits it’s impossible to make an equal comparison. Just a small difference in coverage limits may result in large price differences. Keep in mind that obtaining a wide range of quotes helps you find better pricing.

When should I talk to an agent?

When it comes to buying the best auto insurance coverage, there isn’t really a “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

For instance, these questions can help discover whether your personal situation would benefit from an agent’s advice.

  • When does my teenage driver need to be added to my policy?
  • Do all my vehicles need collision coverage?
  • Do I have any recourse if my insurance company denies a claim?
  • Does my 2014 Nissan 370Z need full coverage?
  • Can my teen driver be rated on a liability-only vehicle?
  • Is my trailer covered?
  • Does my personal policy cover me when driving out-of-state?
  • What are the best liability limits?

If you can’t answer these questions, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, fill out this quick form.

What car insurance coverages do you need?

Having a good grasp of your policy helps when choosing appropriate coverage for your vehicles. Car insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Collision insurance

Collision coverage will pay to fix damage to your 370Z resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like damaging your car on a curb, crashing into a building and hitting a parking meter. Collision is rather expensive coverage, so consider dropping it from older vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses like ambulance fees, dental work, hospital visits and EMT expenses. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover you and your occupants and also covers being hit by a car walking across the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Coverage for liability

Liability coverage will cover damage or injury you incur to a person or their property that is your fault. It protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Some companies may use one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims like structural damage, funeral expenses, legal defense fees, repair costs for stationary objects and court costs. How much liability coverage do you need? That is up to you, but buy as high a limit as you can afford.

Uninsured and underinsured coverage

Your UM/UIM coverage gives you protection when other motorists either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Nissan 370Z.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time these coverages do not exceed the liability coverage limits.

Comprehensive coverages

This coverage will pay to fix 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 coverage pays for claims like hail damage, a broken windshield, damage from getting keyed and a tree branch falling on your vehicle. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Shop Smart and Save

Budget-conscious 2014 Nissan 370Z insurance is attainable from both online companies in addition to many insurance agents, so you should compare both to have the best rate selection. Some insurance companies do not provide you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.

Drivers change insurance companies for a variety of reasons including not issuing a premium refund, policy non-renewal, policy cancellation and even unfair underwriting practices. It doesn’t matter what your reason, finding a great new company is pretty easy and you might even save some money in the process.

When you buy insurance online, do not skimp on critical coverages to save a buck or two. There are many occasions where drivers have reduced uninsured motorist or liability limits only to find out that the few dollars in savings costed them thousands. The proper strategy is to buy a smart amount of coverage for the lowest price while still protecting your assets.

More information can be found at the links below