2009 Nissan 350Z Car Insurance Quotes – 8 Tricks for Cheaper Rates

Looking for cheaper insurance coverage rates for your Nissan 350Z? Nobody likes buying insurance coverage, especially when they know they could lower their rates if they shopped around.

Companies like State Farm, Farmers Insurance, GEICO and Allstate continually hit you with fancy advertisements and it is difficult to ignore the propoganda and take the time to shop coverage around.

You should take the time to check insurance coverage prices as often as possible because insurance rates change regularly. Just because you found the best rate on 350Z insurance on your last policy you may be paying too much now. Ignore everything you know about insurance coverage because we’re going to show you one of the quickest ways to save on insurance coverage.

Compare insurance coverage rates

To get cheaper car insurance quotes, there a variety of ways to compare rate quotes from many different insurance companies. The quickest method to lower the rate you pay for 2009 Nissan 350Z insurance is to use the internet to compare rates. It’s really quite simple and can be done in a couple of different ways.

The fastest and easiest way to find low rates is an all-inclusive rate comparison like this one (opens in new window). This form eliminates the need for boring form submissions for every insurance coverage company. One form will return price quotes from multiple companies.

A more difficult way to compare rate quotes is going to each individual company website and fill out their own quote form. For example, let’s assume you want to compare prices for GEICO, Liberty Mutual and State Farm. You would be required to spend time going to each site individually to input your insurance information, which is why most consumers use the first method.

For a list of companies in your area, click here.

The least efficient and most time consuming method to do your price quoting is actually driving to each insurance agency near you. The ability to quote online eliminates this option unless you want the professional abilities that only an agent can give. Although you can get the lowest quotes online and still use a local agent.

The method you choose is up to you, but double check that you are using apples-to-apples coverage limits and deductibles with every price quote. If you use different deductibles then you won’t be able to get a fair rate comparison. Slightly different coverage limits could skew the results. And when price shopping your coverage, comparing a wide range of rates helps you find a lower rate than you’re paying now. Some regional insurers cannot provide quotes online, so you should also compare rates from those companies as well.

Insurance coverage policy discounts you can’t miss

The cost of insuring your cars can be expensive, but you may be missing some discounts to reduce the price significantly. Larger premium reductions will be automatically applied at the time of purchase, but lesser-known reductions have to be manually applied prior to getting the savings. If you don’t get every credit available, you are throwing money away.

  • Discounts for Government Workers – Being employed by or retired from a federal job can save as much as 8% on 350Z insurance but check with your company.
  • Active Military Service – Being on active deployment in the military may lower your prices slightly.
  • Low Mileage Discounts – Driving fewer miles could earn slightly better premium rates than normal.
  • Multiple Vehicles – Having primary and secondary vehicles with one company may reduce the rate for each vehicle.
  • Telematics Data – Insureds that choose to allow driving data submission to study vehicle usage by using a telematics device such as Drivewise from Allstate or Snapshot from Progressive could save a few bucks if they show good driving skills.
  • Homeowners Discount – Just owning your own home can save you money because maintaining a house requires personal responsibility.
  • Anti-lock Brakes – Vehicles with ABS and/or traction control are safer to drive and qualify for as much as a 10% discount.
  • Save over 55 – Drivers that qualify as senior citizens could receive a discount up to 10% on 350Z insurance.

Don’t be surprised that many deductions do not apply to all coverage premiums. Most only reduce specific coverage prices like liability, collision or medical payments. Even though the math looks like having all the discounts means you get insurance for free, companies wouldn’t make money that way. Any qualifying discounts should definitely cut your insurance coverage premiums.

Car insurance companies that have these benefits include:

If you are trying to find cheap car insurance quotes, ask each company or agent the best way to save money. Some credits might not be available to policyholders in your area. To locate insurance coverage companies that can offer you the previously mentioned discounts, click here to view.

Insurance agents can help

When choosing coverage for your personal vehicles, there isn’t really a best way to insure your cars. Everyone’s needs are different so this has to be addressed. For example, these questions may help highlight whether you would benefit from an agent’s advice.

  • What if I total my 2009 Nissan 350Z and owe more than it’s worth?
  • Why does it cost so much to insure a teen driver?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • What is the difference between comprehensive and collision coverage?
  • How high should deductibles be on a 2009 Nissan 350Z?
  • When should my teen driver be added to my policy?
  • Am I covered when driving someone else’s vehicle?
  • Will filing a claim cost me more?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • What is medical payments coverage?

If you can’t answer these questions, you might consider talking to a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Parts of your insurance policy

Having a good grasp of your policy helps when choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement. Listed below are typical coverage types available from insurance companies.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Nissan 350Z.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Auto collision coverage

This coverage pays to fix your vehicle from damage from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims such as sideswiping another vehicle, damaging your car on a curb, colliding with another moving vehicle and hitting a parking meter. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to bring the cost down.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like damage from a tornado or hurricane, fire damage, vandalism and falling objects. The maximum payout your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Insurance for medical payments

Med pay and PIP coverage kick in for short-term medical expenses for things like X-ray expenses, nursing services and hospital visits. They are used in conjunction with a health insurance plan or if you lack health insurance entirely. Coverage applies to all vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and may carry a deductible

Liability coverages

This coverage provides protection from damages or injuries you inflict on people or other property. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 25/50/25 that translate to a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for claims such as medical expenses, structural damage, court costs, emergency aid and repair costs for stationary objects. The amount of liability coverage you purchase is a decision to put some thought into, but buy as much as you can afford.

Be a penny pincher

Budget-friendly insurance coverage can be bought on the web and also from your neighborhood agents, so get free car insurance quotes from both of them so you have a total pricing picture. Some insurance companies do not offer online rate quotes and these smaller providers provide coverage only through independent insurance agencies.

In this article, we covered a lot of ways to lower your 2009 Nissan 350Z insurance prices. It’s most important to understand that the more rate quotes you have, the higher your chance of finding cheap car insurance. You may be surprised to find that the best prices are with some of the smallest insurance companies. Smaller companies can often provide lower rates in certain areas compared to the large companies like Progressive and GEICO.

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