2016 Nissan 370Z Insurance Rates

Trying to find low-cost insurance for your Nissan 370Z can normally be an all-consuming task, but you can learn our auto insurance buying tips to make it easier.

There are both good and bad ways to buy auto insurance and you need to know the quickest way to compare rates for your Nissan and find the lowest possible price either online or from local insurance agents.

You should make it a habit to check auto insurance prices yearly due to the fact that insurance prices are constantly changing. Even if you think you had the lowest quotes on 370Z insurance a few years ago you may be paying too much now. Ignore everything you know about auto insurance because we’re going to show you the tricks you need to know to find lower rates on auto insurance.

Earn discounts to get lower-cost insurance rates

Car insurance can cost a lot, but companies offer discounts that many consumers don’t even know exist. Some trigger automatically when you quote, but some discounts are required to be specifically requested in order for you to get them.

  • Senior Discount – Seniors can possibly qualify for better insurance rates on 370Z insurance.
  • Military Discounts – Being on active deployment in the military could trigger a small discount.
  • Defensive Driver Discounts – Taking a defensive driving class could cut 5% off your bill if you qualify.
  • Theft Deterent – Vehicles that have factory alarm systems and tracking devices prevent vehicle theft and can earn a small discount on your policy.
  • Drive Safe and Save – Drivers without accidents could pay up to 40% less on 370Z insurance than less cautious drivers.
  • Accident Free – Drivers who stay claim-free are rewarded with significantly better rates on car insurance quote when compared to bad drivers.
  • Pay Now and Pay Less – By paying your policy upfront rather than paying monthly you can avoid the installment charge.
  • Paper-free Discount – Some of the larger companies provide a small discount shop car insurance over the internet.

As a footnote on discounts, some of the credits will not apply the the whole policy. A few only apply to specific coverage prices like liability and collision coverage. So despite the fact that it appears you could get a free insurance policy, it’s just not the way it works.

Larger insurance companies and some of the discounts are shown below.

  • State Farm may include discounts for good student, Drive Safe & Save, anti-theft, multiple policy, and defensive driving training.
  • Farmers Insurance offers discounts for alternative fuel, distant student, multi-car, early shopping, and youthful driver.
  • GEICO has discounts for anti-lock brakes, anti-theft, military active duty, five-year accident-free, and daytime running lights.
  • American Family has savings for bundled insurance, TimeAway discount, air bags, Steer into Savings, accident-free, and early bird.
  • Nationwide offers premium reductions for anti-theft, accident-free, good student, multi-policy, defensive driving, family plan, and Farm Bureau membership.
  • Progressive discounts include good student, online signing, online quote discount, continuous coverage, multi-vehicle, and homeowner.

It’s a good idea to ask all the companies to apply every possible discount. Depending on the company, some discounts may not apply to policyholders in your area. If you would like to see a list of providers who offer free insurance quotes, click this link.

Smart buyers know how to buy insurance at a discount

Multiple criteria are used in the calculation when you get a price on insurance. Some are pretty understandable like your driving record, but others are more transparent such as your credit history and annual miles driven.

  • Low mileage costs less – The more miles you rack up on your Nissan every year the more you will pay for insurance. Almost all companies calculate rates based upon how you use the vehicle. Cars and trucks used primarily for pleasure use receive lower rates than vehicles that have high annual mileage. Double check that your insurance policy states the proper vehicle usage. An improperly rated 370Z is throwing money out the window.
  • Theft deterrents systems cut prices – Owning a car with advanced anti-theft systems can get you a discount on your insurance. Systems that thwart theives like OnStar, LoJack tracking, and tamper alarms all help prevent your vehicle from being stolen.
  • Teenage drivers cost more – Older drivers tend to be more responsible, cost insurance companies less in claims .Teenage drivers are known to be easily distracted when driving with friends so they pay higher insurance rates.
  • Don’t buy extra policy coverages you don’t need – There are quite a few extra add-on coverages that may not really be needed when buying insurance. Coverages for rental car coverage, death and dismemberment, and term life insurance are examples of these. The coverages may be enticing when you first buy your policy, but if you don’t need them eliminate them to save money.
  • Consolidate home and auto and save – Most larger insurers afford better rates to policyholders who carry more than one policy such as combining an auto and homeowners policy. Even if you’re getting this discount it’s still a good idea to compare other company rates to help guarantee you have the best rates. Drivers may still save money even if you insure with multiple companies
  • Lower rates for married couples – Your spouse can actually save you money on your insurance bill. Having a spouse may mean you are more financially stable and statistics show married couples file fewer claims.
  • Occupation reflects on prices – Did you know that where you work can have an impact on rates? Jobs like lawyers, architects and emergency personnel are shown to have the highest average rates due to high stress levels and lots of time spent at work. Conversely, jobs such as farmers, students and the unemployed generally pay rates lower than average on 370Z insurance.
  • Drive a safer car and pay less – Safer cars are cheaper to insure. These vehicles help reduce the chance of injuries in an accident and any reduction in injury severity means less claims paid and more competitive rates for policyholders.

Tailor your auto insurance coverage to you

When choosing proper insurance coverage, there isn’t really a best way to insure your cars. Everyone’s needs are different.

Here are some questions about coverages that can aid in determining if you might need an agent’s assistance.

  • Where can I find DUI or SR-22 insurance?
  • Do I pay less for low miles?
  • What is the ISO rating for a 2016 Nissan 370Z?
  • Am I covered when driving in Canada or Mexico?
  • Can my babysitter drive my car?
  • Does liability extend to a camper or trailer?
  • Can I make deliveries for my home business?
  • What exactly is covered by my policy?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Should I buy additional glass protection?

If you don’t know the answers to these questions then you might want to talk to an agent. If you don’t have a local agent, simply complete this short form. It’s fast, doesn’t cost anything and can help protect your family.

Car insurance coverage information

Having a good grasp of a insurance policy aids in choosing the best coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and coverage can change by endorsement.

Auto liability

Liability coverage will cover damages or injuries you inflict on people or other property. This coverage protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 25/50/25 which means a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Another option is a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for claims such as loss of income, legal defense fees and attorney fees. The amount of liability coverage you purchase is a personal decision, but buy higher limits if possible.

Coverage for collisions

This coverage covers damage to your 370Z from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as hitting a parking meter, rolling your car and sustaining damage from a pot hole. This coverage can be expensive, so you might think about dropping it from older vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Medical costs insurance

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for things like surgery, ambulance fees, funeral costs and chiropractic care. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover you and your occupants and will also cover any family member struck as a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your 2016 Nissan 370Z.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently these coverages are similar to your liability insurance amounts.

Comprehensive or Other Than Collision

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as fire damage, hitting a bird, a tree branch falling on your vehicle, damage from a tornado or hurricane and hail damage. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Spend less. Save more.

Throughout this article, we presented a lot of tips how to lower your 2016 Nissan 370Z insurance rates. The most important thing to understand is the more providers you compare, the higher the chance of saving money. Consumers may even find the most savings is with the smaller companies.

As you go through the steps to switch your coverage, do not skimp on coverage in order to save money. There have been many cases where consumers will sacrifice uninsured motorist or liability limits only to discover later that saving that couple of dollars actually costed them tens of thousands. Your focus should be to get the best coverage possible at the lowest possible cost, but don’t skip important coverages to save money.

Insureds leave their current company for many reasons like denial of a claim, delays in paying claims, poor customer service and an unsatisfactory settlement offer. It doesn’t matter why you want to switch switching companies is pretty simple and you could end up saving a buck or two.

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