Save on 2003 Nissan 350Z Car Insurance Quotes

Buyers have lots of choices when searching for the best price on Nissan 350Z insurance. You can either spend your time driving around to get rate comparisons or save time using the internet to get rate quotes. There is a better way to buy insurance so we’re going to tell you the absolute fastest way to get price quotes for a Nissan and locate the lowest possible price from local insurance agents and online providers.

If you have a policy now or are shopping for new coverage, you can use this information to get lower rates while maximizing coverage. The purpose of this post is to help you learn the best way to quote coverages and some tips to save money. Consumers just need to learn the best way to compare rates online.

How to find affordable insurance

There are a variety of methods to compare insurance quotes, and some are less labor-intensive and much quicker. You can waste a few hours (or days) discussing policy coverages with insurance agencies in your area, or you could save time and use the web to get rates in a matter of minutes.

Most car insurance companies take part in a program where prospective buyers send in one quote, and every company can provide price quotes determined by their information. This eliminates the need for repetitive form submissions to every company.

To participate in this free quote system, click here (opens in new window).

The one disadvantage to pricing coverage this way is that you can’t choose the insurers to get pricing from. If you would rather choose individual companies to compare prices, we have a page of insurance companies in your area. Click here for list of insurance companies.

You can use whichever method you prefer to find lower rates, just be sure to compare identical quote data with every price quote. If you enter different liability limits it will be very difficult to determine which rate is truly the best.

Can you really save $426 a year?

Consumers can’t get away from all the ads that claim the cheapest rates from companies such as Allstate and Progressive. All the ads convey the message of big savings after switching your policy.

How do they all claim to save you money? Here is the trick they use.

All companies quote the lowest rates for the type of driver that will generate a profit. For example, a profitable customer might be described as between the ages of 30 and 45, has other policies, and insures a new vehicle. A propective insured that matches those criteria receive the lowest rate quotes and as a result will probably save a lot if they switch.

Consumers who don’t qualify for the “perfect” profile will be charged higher rates which results in the customer not purchasing. The trick is to say “customers who switch” not “everyone who quotes” save that much money. That’s the way insurance companies can confidently make the claims of big savings. That is why it is so important to get a wide range of price quotes. Because you cannot predict with any certainty which company will have the lowest rate quotes.

Why you might pay higher rates

The best way to find cheaper auto insurance is to take a look at a few of the rating criteria that play a part in calculating the rates you pay for auto insurance. If you have a feel for what impacts premium levels, this allows you to make educated decisions that could result in lower rates. Many factors are used in the calculation when quoting car insurance. Some factors are common sense like an MVR report, but others are less obvious like your vehicle usage and annual miles driven.

The following are some of the items auto insurance companies consider when setting premiums.

• Save annual miles and save money – The more miles you rack up on your Nissan every year the more you will pay for auto insurance. The majority of insurers price each vehicle’s coverage based upon how much you drive. Vehicles that do not get driven very much receive lower rates than those used for commuting. An incorrectly rated 350Z may be costing you. Ask your agent if your policy states the correct usage for each vehicle, because it can save money.
• Bad driving leads to higher costs – A bad driving record has a huge affect on how much you pay. Getting just one chargable violation may cause rates to rise by twenty percent. Drivers with clean records pay less for auto insurance than bad drivers. People who have dangerous citations like DUI or reckless driving are required to prove financial responsibility with their state in order to legally drive a vehicle.
• Car plus home equals more savings – Some auto insurance companies afford discounts to insureds that purchase more than one policy such as combining an auto and homeowners policy. Even with this discount, you still need to get quotes from other companies to help ensure you have the lowest rates.
• Improve your credit rating – A driver’s credit score can be a huge factor in determining your rates. People that have high credit scores tend to file fewer claims and have better driving records as compared to drivers with poor credit. Therefore, if your credit history is low, you could potentially save money when insuring your 2003 Nissan 350Z if you clean up your credit.
• Single drivers take more risk – Having a wife or husband actually saves money on your auto insurance bill. It may mean you are more stable financially and it’s proven that drivers who are married are more cautious.
• Vehicle theft costs us all – Choosing to buy a car with advanced anti-theft systems can earn a premium discount. Anti-theft features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent vehicle theft.
• Driver age impacts premiums – Young drivers are statistically proven to be inattentive and easily distracted in a vehicle therefore auto insurance rates are much higher. Older, more experienced drivers are viewed as being more responsible, file fewer claims .
• Do you have enough liability insurance? – Liability insurance kicks in if you are determined to be liable for damages caused by your negligence. It will provide you with a defense in court which can cost a lot. Liability insurance is quite affordable compared to other policy coverages, so buy as much as you can afford.

Use discounts on car insurance

Not too many consumers would say car insurance is affordable, but there may be some discounts that can drop the cost substantially. Certain discounts will be triggered automatically when you purchase, but once in a while a discount must be specially asked for before they will apply.

• Defensive Driver Discounts – Taking a course in driver safety could possibly earn you a 5% discount and easily pay for the cost of the class.
• Low Miles Discount – Driving fewer miles can earn better premium rates on cars that stay parked.
• Student Discount for Driver Training – Cut your cost by having your teen driver enroll in driver’s education in school or through a local driver safety program.
• Data Collection Discounts – Insureds that choose to allow their company to monitor driving habits by using a telematics device in their vehicle such as Drivewise from Allstate or Snapshot from Progressive could see a rate decrease if they are good drivers.
• Employee of Federal Government – Being employed by or retired from a federal job could cut as much as 10% off on 350Z coverage with select insurance companies.

Discounts lower rates, but most discount credits are not given to the entire cost. Some only apply to specific coverage prices like medical payments or collision. Despite the appearance that you would end up receiving a 100% discount, it just doesn’t work that way.

To see a list of insurers with the best car insurance discounts, click this link.

Tailor your car insurance coverage to you

When it comes to buying adequate coverage for your personal vehicles, there is no best way to insure your cars. Every insured’s situation is different.

For example, these questions might point out if you might need an agent’s assistance.

• Am I covered when driving in Canada or Mexico?
• Can I get a multi-policy discount?
• Do I pay less if my vehicle is kept in my garage?
• Is my custom paint covered by insurance?
• Why am I be forced to buy a membership to get insurance from some companies?
• Is business property covered if stolen from my car?

If it’s difficult to answer those questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form. It’s fast, free and can help protect your family.

Coverage specifics

Knowing the specifics of your policy can help you determine the right coverages and the correct deductibles and limits. Auto insurance terms can be difficult to understand and nobody wants to actually read their policy.

Comprehensive coverage (or Other than Collision) – This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like vandalism, hail damage, damage from flooding, rock chips in glass and damage from a tornado or hurricane. The highest amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision – Collision insurance will pay to fix damage to your 350Z caused by collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as hitting a parking meter, sideswiping another vehicle and crashing into a building. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for things like funeral costs, surgery and X-ray expenses. They can be used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to both the driver and 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 it provides additional coverages not offered by medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance – This provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Liability – This coverage protects you from damage that occurs to a person or their property that is your fault. This insurance protects YOU from legal claims by others. Liability 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. You might see values of 50/100/50 that translate to a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against claims such as medical expenses, repair costs for stationary objects, structural damage and court costs. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as large an amount as possible.

A penny saved is a penny earned

When searching for the cheapest car insurance quotes, make sure you don’t reduce coverage to reduce premium. In many cases, consumers will sacrifice full coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. The ultimate goal is to buy a smart amount of coverage at the best price, but do not skimp to save money.

Cost effective 2003 Nissan 350Z insurance can be found both online in addition to many insurance agents, and you should compare rates from both to have the best selection. Some insurance providers do not provide rates over the internet and these small, regional companies prefer to sell through independent agents.

We just showed you many ways to lower your 2003 Nissan 350Z insurance prices. The most important thing to understand is the more providers you compare, the better your comparison will be. Consumers may even find the lowest prices come from a smaller regional carrier.

More tips and info about insurance can be found in these articles:

• Credit Impacts Car Insurance Rates (State Farm)
• What does Personal Injury Protection (PIP) Cover? (Allstate)
• Crash Avoidance Technologies FAQ (iihs.org)
• Distracted Driving Extends Beyond Texting (State Farm)
• What are my Rights when Filing a Claim? (Insurance Information Insitute)