How Much Does 1994 Nissan 300ZX Car Insurance Cost?

Want cheaper auto insurance rates for your Nissan 300ZX? I really doubt anyone enjoys paying for auto insurance, in particular when the price is too high. You have so many insurers to insure vehicles with, and although it’s nice to have a selection, it can be more difficult to compare rates and cut insurance costs.

You need to check auto insurance prices yearly because auto insurance prices tend to go up over time. Even if you got the lowest price for 300ZX insurance on your last policy there is a good chance you can find better rates now. Forget anything you know (or think you know) about auto insurance because I’m going to teach you the things you must know in order to remove unneeded coverages and save money.

The best way to compare insurance rates from multiple companies is to know most insurance companies participate in online systems to provide you with a free rate quote. To start a quote, the only thing you need to do is give them some information including if you are currently licensed, how you use your vehicles, if the vehicle is leased, and distance driven. Your insurance information is instantly sent to multiple different insurance companies and you should receive rate quotes almost instantly.

The ad said I’d save $490 a year!

Consumers get pounded daily by advertisements that promise big savings by Progressive, Allstate and Geico. They all try to convey promises of big savings if you just switch to their company.

How does each company make the same claim? This is the trick they use.

Different companies require specific criteria for the right customer that will be a good risk. For instance, a profitable insured could possibly be over the age of 40, has never had a policy lapse, and the vehicle is rated for pleasure use. A driver who matches that profile will get a cheap rate quote and have a good chance to save some money.

Consumers who are not a match for these standards may be required to pay higher prices which results in the customer not purchasing. If you listen to the ad wording, they say “people who switch” but not “all drivers who get quotes” can get the lowest rates when switching. This is how companies can truthfully make those claims.

Because of these techniques, you absolutely need to compare many company’s premium rates. It’s just too difficult to predict which insurance companies will be your best fit.

Discounts to earn lower-cost insurance rates

Auto insurance companies don’t necessarily list every possible discount very well, so the following is a list of a few of the more common and the more hidden savings tricks you should be using when you buy car insurance online.

• Good Driver Discounts – Insureds who avoid accidents can get discounts for up to 45% lower rates for 300ZX insurance than less cautious drivers.
• Payment Method – If you can afford to pay the entire bill instead of making monthly payments you may reduce your total bill.
• Bundle and Save – If you can bundle your auto and homeowners insurance and insure them with the same company you may save up to 20% and get you affordable car insurance.
• Resident Student – who are attending college and don’t have a car may qualify for this discount.
• Memberships – Being in qualifying clubs or civic groups is a simple method to lower premiums when shopping for insurance.
• Own a Home – Just owning your own home can save you money because it means you have a higher level of financial diligence.

You should keep in mind that most discounts do not apply the the whole policy. Most only reduce specific coverage prices like comprehensive or collision. Even though it appears all those discounts means the company will pay you, it just doesn’t work that way.

Companies that possibly offer these discounts include:

• Progressive
• The Hartford
• Mercury Insurance
• Geico
• AAA
• State Farm

Before you buy a policy, ask each company the best way to save money. Some of the earlier mentioned discounts may not be offered in your state.

Tailor your insurance coverage to you

When it comes to buying coverage, there really is no cookie cutter policy. Everyone’s situation is a little different so your insurance needs to address that. Here are some questions about coverages that can help discover if your situation will benefit from professional help.

• Am I covered when driving a rental car?
• When do I need to add a new car to my policy?
• Is my state a no-fault state?
• Is my cargo covered for damage or theft?
• Is other people’s property covered if stolen from my vehicle?
• Am I covered if hit by an uninsured driver?
• Should I put collision coverage on all my vehicles?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies. It is quick, free and may give you better protection.

Insurance coverages explained

Knowing the specifics of your policy can help you determine the best coverages and the correct deductibles and limits. Insurance terms can be impossible to understand and reading a policy is terribly boring. These are the usual coverages available from insurance companies.

Comprehensive coverage – Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like falling objects, a broken windshield, hail damage, damage from getting keyed and damage from flooding. The maximum payout your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently these limits are similar to your liability insurance amounts.

Liability – Liability insurance provides protection from damages or injuries you inflict on other’s property or people in an accident. It protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 50/100/50 that means you have a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against claims such as loss of income, medical services and court costs. How much liability should you purchase? That is up to you, but you should buy higher limits if possible.

Collision – Collision coverage will pay to fix damage to your 300ZX resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as colliding with another moving vehicle, rolling your car, damaging your car on a curb and hitting a parking meter. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. It’s also possible to increase the deductible to save money on collision insurance.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for nursing services, chiropractic care and rehabilitation expenses. They are often used in conjunction with a health insurance plan or if you do not have health coverage. They cover you and your occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Quote more. Save more.

As you prepare to switch companies, you should never reduce coverage to reduce premium. Too many times, drivers have reduced comprehensive coverage or liability limits and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your objective should be to purchase a proper amount of coverage at the best possible price, but do not sacrifice coverage to save money.

Some companies don’t offer online price quotes and these regional insurance providers work with independent insurance agencies. Cheaper insurance is definitely available on the web as well as from independent agents, so compare prices from both to get a complete price analysis.

Additional information can be read at the links below

• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• State Car Insurance Guides (Geico)
• Side Impact Crash Tests (iihs.org)
• How to Avoid Common Accidents (State Farm)
• Speed and Speed Limit FAQ (iihs.org)