View 2009 Nissan 370Z Car Insurance Quotes

Trying to find the cheapest auto insurance rates for your Nissan 370Z? Are you sick and tired of robbing Peter to pay Paul each month for car insurance? You are no different than the majority of other car owners.

Online insurance companies like State Farm, Allstate, GEICO and Progressive all promote huge savings with advertising and consumers find it hard to sift through the bull and do the work needed to find the best deal.

If you currently have car insurance, you will be able to cut costs considerably using these techniques. Buying car insurance is easy if you know what you’re doing. But consumers do need to understand how insurance companies market insurance on the web and apply this information to your search.

Where Can I Get Cheap Insurance?

Effectively comparing insurance prices is a ton of work if you don’t utilize the easiest way. You could waste a few hours driving to insurance agencies in your area, or you can utilize the web to accomplish the same thing much quicker.

Many of the larger companies enroll in a system that allows shoppers to enter their coverage request one time, and at least one company then returns a price quote determined by their information. This eliminates the need for repetitive form submissions to each company.

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

The one disadvantage to using this type of form is that consumers can’t choose which companies to get pricing from. If you would rather choose from a list of companies to receive pricing from, we have a listing of insurance companies in your area. Click to view list.

Whichever way you use, compare the exact same coverage limits and deductibles for each comparison quote. If the quotes have differing limits it’s not possible to truly determine the lowest rate. Slightly different limits may result in a large different in cost. And when price shopping your coverage, comparing a large number of companies will enable you to find better pricing.

Nissan 370Z rates influenced by many factors

An important part of buying insurance is that you know the factors that go into determining the rates you pay for car insurance. Understanding what influences your rates empowers consumers to make smart changes that will entitle you to lower car insurance prices.

  • Drive less and save money – The more you drive each year the higher your rate. Most companies price each vehicle’s coverage determined by how the vehicle is used. Vehicles used primarily for pleasure use can get a lower rate as compared to vehicles used primarily for driving to work. Double check that your car insurance policy properly reflects the correct driver usage, because it can save money. If your policy improperly rates your 370Z can result in significantly higher rates.
  • Increase deductibles and save – Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, protects your Nissan from damage. Some examples of claims that would be covered would be a windshield shattered by a rock, damage caused by hail, and rolling your vehicle. Deductibles for physical damage are the amount of money you are willing to pay before a claim is paid by your company. The more expense the insured has to pay upfront, the bigger discount you will receive for 370Z coverage.
  • You might want pay the small claims yourself – Car insurance companies give cheaper rates to insureds who file claims infrequently. If you file claims often, you can pretty much guarantee either a policy non-renewal or much higher rates. Auto insurance is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
  • High crash test scores lower rates – Vehicles with high crash test scores are cheaper to insure. Safer cars have better occupant injury protection and fewer injuries translates into savings for insurance companies passed on to you as lower rates. If your Nissan has ratings of a minimum four stars on or an “acceptable” rating on it is probably cheaper to insure.
  • Rates may be higher depending on your occupation – Did you know your job can affect your rates? Jobs such as lawyers, executives and dentists have the highest average rates because of stressful work requirements and lengthy work days. Other professions such as pilots, historians and homemakers get better rates for 370Z coverage.

Verify you’re getting all your discounts

Auto insurance companies don’t necessarily list every discount very clearly, so we researched some of the more common and also the lesser-known discounts you could be receiving.

  • Drive Safe and Save – Drivers who avoid accidents may save up to 50% more for 370Z coverage than less cautious drivers.
  • Passive Restraint Discount – Vehicles equipped with air bags or motorized seat belts can qualify for discounts of up to 25% or more.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Nissan could be rewarded with better rates on cars that stay parked.
  • Seat Belts Save – Requiring all passengers to use their safety belts can save 10% or more off the personal injury premium cost.
  • Life Insurance – Select insurance companies reward you with a discount if you purchase life insurance.
  • Homeowners Savings – Being a homeowner may earn you a small savings because of the fact that having a home demonstrates responsibility.
  • Drivers Ed for Students – Have your child take driver’s ed class in school.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes are safer to drive and therefore earn up to a 10% discount.
  • Early Switch Discount – Some insurance companies reward drivers for switching policies prior to your current policy expiration. It’s a savings of about 10%.

Consumers should know that many deductions do not apply to the entire policy premium. Most only reduce individual premiums such as comprehensive or collision. So when the math indicates you can get free auto insurance, it doesn’t quite work that way.

Car insurance companies that possibly offer some of the above discounts are:

It’s a good idea to ask every prospective company what discounts are available to you. Discounts might not apply in your state.

When should I talk to an agent?

When it comes to buying adequate coverage for your vehicles, there isn’t really a one size fits all plan. Everyone’s situation is unique so your insurance should reflect that These are some specific questions may help highlight whether or not you might need professional guidance.

  • When does my teenage driver need to be added to my policy?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Does my personal policy cover me when driving out-of-state?
  • Does my medical payments coverage pay my health insurance deductible?
  • Will I lose any money if I cancel my policy before it expires?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Is a new car covered when I drive it off the dealer lot?
  • How does medical payments coverage work?

If you can’t answer these questions but you know they apply to you then you might want to talk to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies.

Parts of your insurance policy

Understanding the coverages of a insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. These are the normal coverages offered by insurance companies.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your 2009 Nissan 370Z.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Comprehensive coverage (or Other than Collision) – This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like a broken windshield, damage from flooding, vandalism and hitting a deer. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Liability coverage – Liability coverage can cover injuries or damage you cause to other’s property or people in an accident. It protects YOU from claims by other people. It does not cover your injuries or vehicle damage.

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

Liability coverage protects against claims such as bail bonds, repair bills for other people’s vehicles, court costs and legal defense fees. How much liability coverage do you need? That is your choice, but buy as much as you can afford.

Collision coverages – Collision coverage covers damage to your 370Z resulting from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims such as colliding with a tree, scraping a guard rail, sustaining damage from a pot hole, hitting a parking meter and driving through your garage door. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. You can also bump up the deductible in order to get cheaper collision rates.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance provide coverage for expenses such as nursing services, EMT expenses, doctor visits and dental work. They are used in conjunction with a health insurance plan or if you are not covered by health insurance. It covers both the driver and occupants and also covers any family member struck as a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

More comparisons equals lower rates

When buying insurance coverage, you should never skimp on coverage in order to save money. Too many times, someone sacrificed physical damage coverage only to discover later that their decision to reduce coverage ended up costing them more. The aim is to purchase a proper amount of coverage at an affordable rate while not skimping on critical coverages.

Cost effective 2009 Nissan 370Z insurance is available on the web and also from your neighborhood agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some car insurance companies may not provide the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.

Even more information can be found by following these links: