2013 Nissan 370Z Insurance Quotes – 7 Tricks for Best Rates

Buying affordable insurance on the internet can seem to be impossible for beginners to comparison shopping online. When there are so many insurers available, how can you effectively compare them all to find the cheapest available price?

Consumers need to get comparison quotes at least once a year since insurance rates are rarely the same from one policy term to another. Just because you had the best price on 370Z coverage a year ago other companies may now be cheaper. Forget all the misinformation about insurance because you’re about to find out the proper way to lower your rates without sacrificing coverage.

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Most companies like Progressive, GEICO, Allstate and State Farm allow you to get coverage price quotes online. Getting quotes is fairly simple as you just enter the coverage amounts you desire into a form. Upon sending the form, the system automatically retrieves credit information and your driving record and returns a price based on these and other factors.

This makes it a lot easier to compare rates but having to visit each company’s website and repetitively type in the same information can get tiresome after awhile. But it is imperative to have as many quotes as possible in order to find a lower rate.

The smarter way to lower your rates uses one form that gets prices from several companies at one time. It saves time, reduces the work, and makes quoting online a lot less work. Immediately after submitting the form, it is rated and you can select any or none of the quote results. If the quotes result in lower rates, you can click and sign and purchase the new policy. This process only takes a few minutes and could lower your rates considerably.

To save time and find out how much you’re overpaying now, simply click here to open in new window and enter your information. If you have your current policy handy, we recommend you complete the form with coverages and limits exactly as they are listed on your policy. This guarantees you will be getting a price comparison based on identical coverages.

How to reduce 2013 Nissan 370Z insurance rates

Car insurance companies don’t necessarily list all their discounts in an easy-to-find place, so we took the time to find both well-publicized and the harder-to-find savings tricks you should be using.

  • Safe Drivers – Drivers who avoid accidents can pay as much as 50% less on 370Z coverage than drivers with accidents.
  • Low Mileage – Driving fewer miles could be rewarded with discounted rates on garaged vehicles.
  • New Vehicle Savings – Insuring a new car can save up to 30% since new cars are generally safer.
  • Driver Safety – Taking a defensive driving course can save you 5% or more and easily recoup the cost of the course.
  • Air Bag Discount – Vehicles equipped with air bags or automatic seat belts can qualify for discounts of 20% or more.
  • Seat Belts Save – Requiring all passengers to buckle their seat belts can save 10% or more on the medical payments or PIP coverage costs.
  • Distant Student – Any of your kids who are attending college and do not have a car can receive lower rates.

As a disclaimer on discounts, many deductions do not apply to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. So despite the fact that it appears it’s possible to get free car insurance, you won’t be that lucky.

For a list of companies offering car insurance discounts, click here.

Tailor your coverage to you

When it comes to buying coverage for your personal vehicles, there really is not a one size fits all plan. Everyone’s situation is a little different.

For example, these questions may help you determine if your insurance needs would benefit from an agent’s advice.

  • Do I need rental car coverage?
  • How do I buy GAP insurance?
  • Does my 2013 Nissan 370Z qualify for pleasure use?
  • Am I covered when driving a rental car?
  • Do I need roadside assistance coverage?
  • How can I get high-risk coverage after a DUI?
  • Do I need to file an SR-22 for a DUI in my state?
  • Do I have coverage when using my vehicle for my home business?
  • When can my company non-renew my policy?

If you don’t know the answers to these questions, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, complete this form.

Buyer beware of insurance advertising tricks

Insurance companies such as Progressive, GEICO, Allstate and State Farm consistently run television and radio advertisements. They all seem to make an identical promise that you can save if you change your coverage to them. But how can every company say the same thing? This is how they do it.

Different companies have a certain “appetite” for the type of customer that earns them a profit. An example of a desirable insured could be over the age of 50, owns a home, and drives less than 7,500 miles a year. Any driver who meets those qualifications will get the preferred rates and most likely will save quite a bit of money when switching.

Drivers who don’t qualify for these standards must pay more money which usually ends up with the customer not buying. The ads say “people who switch” not “everyone that quotes” save money. That’s the way companies can truthfully make those claims. This illustrates why it is so important to get a wide range of price quotes. It’s just too difficult to predict which company will fit your personal profile best.

What insurance coverages do you need?

Learning about specific coverages of your insurance policy helps when choosing the right coverages and proper limits and deductibles. Insurance terms can be impossible to understand and nobody wants to actually read their policy.

Auto liability insurance

Liability insurance protects you from damage or injury you incur to a person or their property. It protects you from legal claims by others. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 25/50/25 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability insurance covers claims like court costs, repair bills for other people’s vehicles, loss of income and medical services. The amount of liability coverage you purchase is your choice, but consider buying as much as you can afford.

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as hitting a deer, fire damage, damage from flooding and a broken windshield. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Auto collision coverage

Collision coverage will pay to fix damage to your 370Z caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like damaging your car on a curb, colliding with a tree, sustaining damage from a pot hole and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Drivers also have the option to raise the deductible to bring the cost down.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your Nissan 370Z.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Coverage for medical expenses

Med pay and PIP coverage pay for expenses such as ambulance fees, surgery, hospital visits and X-ray expenses. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Save your cold hard cash

Lower-priced 2013 Nissan 370Z insurance is attainable from both online companies as well as from independent agents, and you should be comparing both so you have a total pricing picture. There are still a few companies who don’t offer online quoting and these regional insurance providers work with independent agents.

As you prepare to switch companies, you should never sacrifice coverage to reduce premiums. There are too many instances where an accident victim reduced physical damage coverage only to find out that their decision to reduce coverage ended up costing them more. Your goal should be to find the BEST coverage for the lowest price.

We just showed you a lot of information how to save on insurance. It’s most important to understand that the more quotes you get, the more likely it is that you will get a better rate. Consumers could even find that the best prices are with a smaller regional carrier.

Even more information is located at these sites: