Compare 1991 Nissan 300ZX Insurance Quotes

Searching for cheaper insurance coverage rates for your Nissan 300ZX? Nobody that owns a car loves paying for insurance coverage, in particular when they could lower their rates if they shopped around. Companies like Progressive, Geico and Farmers Insurance all promote huge savings with advertising and it can be hard to see past the geckos and flying pigs and effectively compare rates to find the best deal.

It’s important to price shop coverage occasionally because prices tend to go up over time. Just because you had the best deal for 300ZX coverage six months ago the chances are good that you can find a lower rate quote today. Forget anything you know (or think you know) about insurance coverage because I’m going to teach you the best methods to find better rates and still maintain coverage.

How much is insurance?

Performing a rate comparison can take time and effort if you aren’t aware of the best way to get rate quotes. You can spend your afternoon discussing policy coverages with insurance companies in your area, or you could save time and use online quotes to maximize your effort.

Many insurance companies belong to an insurance system that allows shoppers to submit one quote, and each company returns a rated price determined by their information. This system prevents you from having to do quotation requests to each company.

To enter your information into the quoting system, click to open in new window.

The one downside to using this type of form is buyers cannot specifically choose the companies you will receive quotes from. So if you want to choose specific insurance companies to compare prices, we have a page of companies who write insurance in your area. Click to view list.

It’s your choice how you get your quotes, but do your best to use nearly identical information on every price quote you get. If you have different data you will not be able to make a fair rate comparison.

Are you receiving every discount?

Not too many consumers would say auto insurance is affordable, but there may be some discounts that may help make it more affordable. Most are applied at the time you complete a quote, but some may not be applied and must be inquired about prior to getting the savings.

  • Safety Restraint Discount – Using a seat belt and requiring all passengers to use a seat belt could cut 10% or more off the PIP or medical payment premium.
  • Military Discounts – Being on active duty in the military may lower your rates slightly.
  • Discount for Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems may get savings of 20 to 30 percent.
  • Multi-line Discount – Select insurance companies reward you with a small discount if you purchase a life policy as well.
  • New Vehicle Savings – Adding a new car to your policy may earn a small discount because new vehicles keep occupants safer.
  • No Accidents – Drivers who stay claim-free can earn big discounts as opposed to drivers with a long claim history.

Just know that most discounts do not apply to the overall cost of the policy. The majority will only reduce specific coverage prices like liability and collision coverage. Just because you may think all the discounts add up to a free policy, insurance companies wouldn’t stay in business.

Popular auto insurance companies and a partial list of their discounts include:

  • State Farm offers discounts for good student, driver’s education, multiple autos, student away at school, defensive driving training, and multiple policy.
  • Progressive may have discounts that include homeowner, good student, multi-policy, online signing, and continuous coverage.
  • Progressive discounts include online signing, continuous coverage, multi-vehicle, good student, online quote discount, homeowner, and multi-policy.
  • MetLife may include discounts for multi-policy, defensive driver, accident-free, good driver, and claim-free.
  • Farm Bureau offers discounts including renewal discount, safe driver, youthful driver, multi-policy, driver training, and good student.
  • Geico policyholders can earn discounts including daytime running lights, anti-lock brakes, anti-theft, defensive driver, and military active duty.
  • SAFECO has savings for multi-car, homeowner, teen safe driver, anti-lock brakes, anti-theft, accident prevention training, and drive less.

Before you buy a policy, ask each company to give you their best rates. Discounts might not be available to policyholders in your state. To see a list of companies who offer online auto insurance quotes, click here to view.

When in doubt talk to an agent

When it comes to choosing the best car insurance coverage for your personal vehicles, there really is no “best” method to buy coverage. Each situation is unique and a cookie cutter policy won’t apply. For example, these questions may help you determine if your insurance needs might need professional guidance.

  • Is my nanny covered when driving my vehicle?
  • What is an SR-22 filing?
  • Can I afford to buy a different vehicle if my 1991 Nissan 300ZX is totaled?
  • What are the financial responsibility laws in my state?
  • What is PIP insurance?
  • Can I drive in Mexico and have coverage?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Can I afford low physical damage deductibles?
  • Can my teen driver be rated on a liability-only vehicle?

If you’re not sure about those questions but a few of them apply then you might want to talk to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and you can get the answers you need.

Coverage specifics

Having a good grasp of your insurance policy helps when choosing the right coverages and proper limits and deductibles. The terms used in a policy can be confusing and reading a policy is terribly boring. Listed below are typical coverages found on most insurance policies.

Auto collision coverage

This coverage pays for damage to your 300ZX caused by collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things such as hitting a mailbox, sideswiping another vehicle, driving through your garage door and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. You can also bump up the deductible to save money on collision insurance.

Protection from uninsured/underinsured drivers

This provides protection when other motorists do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Nissan 300ZX.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Coverage for liability

Liability coverage will cover injuries or damage you cause to a person or their property by causing an accident. This coverage protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 100/300/100 that means you have a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability coverage pays for claims such as legal defense fees, pain and suffering, emergency aid, court costs and repair costs for stationary objects. How much liability should you purchase? That is up to you, but buy as large an amount as possible.

Comprehensive (Other than Collision)

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers claims like falling objects, a broken windshield and vandalism. The most your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical expense insurance

Med pay and PIP coverage kick in for expenses such as chiropractic care, rehabilitation expenses, doctor visits, ambulance fees and funeral costs. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not universally available and may carry a deductible

Comments About 1991 Nissan 300ZX Insurance

  1. Rosina Graham

    Does State Farm settle claims fairly?

  2. Cherie Pierce

    Anyone know if Allstate does SR-22s?

  3. Carley Lambert

    From south side of Nashville, Tennessee. Got quotes with Western Auto Insurance, American Family, Hartford, and Mercury for my Nissan and cut my rates about $90 a year. Was with AIG Insurance. I have a couple other vehicles on the policy. Just waiting to see how claims go.

  4. Naida Herman

    What is Underinsured Motorist coverage?

  5. Arden Wolf

    I live in Lexington, KY. Can’t remember who all I quoted but I ended up saving about $20 each month. Was with Auto-Owners. Ask about discounts. Full coverage costs too much.

  6. Gus Vazquez

    State Farm has the cheapest rates in Illinois. No comparison.

  7. Dara Baker

    I live south of Omaha, NE, and GEICO rates were best. Book value doesn’t justify full coverage anymore.

  8. Robbyn Pollard

    Enjoyed the article. I’m from Kailua, HI. Compared rates from a lot of places. Saved darn near $30 a month. 21st Century was the cheapest for me. I got prices on the web. I think I’ll get rid of full coverage next time.

  9. Dawne Jones

    Will State Farm insure with a DUI in Billings, Montana?

  10. Damion Duke

    I’ve bought from State Farm forever. Cheapest rates in Detroit, Michigan.

  11. Cruz Bowen

    I chose to switch to GEICO from Auto-Owners. I live in Philadelphia, PA. My new agent seems to be really good. I used their online quote form to compare rates. When should I drop full coverage?