2010 Nissan 370Z Car Insurance Quotes – 9 Tips for Best Rates

Finding more affordable rates on insurance is quite difficult for drivers who have little experience buying insurance online. With such a large choice of online companies, it can easily be a difficult mission to compare prices.

Finding affordable coverage is not that difficult. If you currently have car insurance, you will be able to save some money using these methods. But consumers benefit from understanding how companies price online insurance and use this information to your advantage.

The method we recommend to compare insurance rates from multiple companies is to know the fact car insurance companies pay for the opportunity to give you rate quotes. To begin a comparison, all you need to do is give them some information including whether you are married, level of coverage desired, if the car is leased, and the year, make and model of vehicles. Those rating factors is instantly submitted to many of the top insurers and they return cost estimate instantly to find the best rate.

Slick advertising tricks that work

Respected companies like Allstate, Geico and Progressive constantly bombard you with ads in print and on television. They all say the same thing that you can save just by switching your insurance coverage to their company. It sounds good, but how can they all lower your rates? Here is the trick they use.

Insurance companies have a certain “appetite” for the type of driver that will be a good risk. For example, this type of driver may be a mature driver, has a low-risk occupation, and drives a lower-performance vehicle. Someone who matches those parameters will get the preferred prices and is almost guaranteed to save when they switch companies.

Potential customers who fall short of this stringent profile will be quoted higher prices and this results in the driver buying from a lower-cost company. If you pay close attention to the ads, they say “customers who switch” not “everybody who quotes” can get the lowest rates when switching. That’s the way companies can truthfully claim big savings. Because of the profiling, you really need to get insurance coverage quotes from several different companies. It’s just not possible to know which company will have better premium rates than you’re paying now.

Verify you’re applying every discount

Insurance coverage can be pricey, but discounts can save money and there are some available that may help make it more affordable. Many of these discounts will be applied automatically when you purchase, but once in a while a discount must be manually applied prior to receiving the credit.

  • Air Bags and Passive Restraints – Factory options such as air bags or automatic seat belts can qualify for discounts of 20 to 30 percent.
  • Military Deployment Discount – Having an actively deployed family member may qualify for rate reductions.
  • Driver’s Education for Students – It’s a good idea to have your young drivers sucessfully take a drivers education course as it will make them better drivers and lower rates.
  • Professional Memberships – Belonging to certain professional organizations may earn a discount on your policy.
  • Government Employee Discount – Active or former government employment may qualify for a discount when you quote insurance coverage on 370Z coverage depending on your company.
  • Anti-lock Brakes – Cars and trucks that have anti-lock braking systems have fewer accidents and the ABS can save up to 10%.
  • Early Switch Discount – A few insurance companies offer discounts for switching policies prior to your current policy expiring. You could save around 10% when you buy insurance coverage online.
  • Good Student – Excelling in school may save you up to 25%. You can use this discount normally well after school through age 25.
  • Save over 55 – If you’re over the age of 55, you could receive lower premium rates on 370Z coverage.

It’s important to understand that some of the credits will not apply to your bottom line cost. Most only apply to the price of certain insurance coverages like comp or med pay. Even though it appears all those discounts means the company will pay you, you won’t be that lucky.

Some companies that may include most of these discounts include:

If you are trying to find low cost insurance coverage quotes, ask each company which discounts can lower your rates. Some of the discounts discussed earlier might not be offered on policies in your area. For a list of insurers that have a full spectrum of discounts, click here to view.

When should I discuss my situation with an agent?

When choosing the best car insurance coverage, there is no “best” method to buy coverage. Every insured’s situation is different.

Here are some questions about coverages that can aid in determining whether or not you could use an agent’s help.

  • Am I covered when driving someone else’s vehicle?
  • Exactly who is provided coverage by my policy?
  • Are split liability limits better than a combined single limit?
  • Does my car insurance cover rental cars?
  • When would I need additional glass coverage?
  • Is other people’s property covered if stolen from my vehicle?
  • Why do I only qualify for high-risk insurance?
  • Does my policy cover my teen driver if they drive my company car?
  • Are my friends covered when driving my car?
  • Does my 2010 Nissan 370Z need full coverage?

If you’re not sure about those questions then you might want to talk to an insurance agent. If you want to speak to an agent in your area, complete this form.

Insurance policy specifics

Knowing the specifics of your policy can be of help when determining which coverages you need at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

Coverage for medical expenses

Med pay and PIP coverage pay for short-term medical expenses for things like hospital visits, pain medications, surgery and nursing services. They can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Collision coverage protection

This will pay to fix damage to your 370Z resulting from a collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like driving through your garage door, colliding with a tree, backing into a parked car, hitting a parking meter and hitting a mailbox. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. You can also raise the deductible in order to get cheaper collision rates.

Coverage for uninsured or underinsured drivers

This provides protection from other motorists when they do not carry enough liability coverage. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Liability coverages

Liability insurance provides protection from injuries or damage you cause to a person or their property by causing an accident. This coverage protects you from legal claims by others. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 which means $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability coverage protects against claims like medical expenses, loss of income, legal defense fees, medical services and court costs. How much coverage you buy is your choice, but you should buy as large an amount as possible.

Comprehensive insurance

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like hitting a bird, damage from flooding and theft. The most 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 not worth carrying full coverage.

Power to the consumer

People who switch companies do it for a number of reasons such as delays in paying claims, unfair underwriting practices, extreme rates for teen drivers or an unsatisfactory settlement offer. It doesn’t matter what your reason, finding a new company is pretty easy and you might even save some money in the process.

We’ve covered many ways to save on 2010 Nissan 370Z insurance. The key concept to understand is the more rate comparisons you have, the better likelihood of getting affordable insurance coverage. You may even discover the lowest priced insurance comes from a smaller regional carrier.

Some insurance companies do not provide rate quotes online smaller providers only sell coverage through independent agents. Cheap 2010 Nissan 370Z insurance is definitely available online and from local insurance agents, so you need to compare both in order to have the best chance of saving money.

Additional insurance information can be read at the links below

Comments About 2010 Nissan 370Z Insurance

  1. Easter Figueroa

    Will Progressive raise rates for a small claim?

  2. Lorilee Harrison

    From east side of Rochester, Minnesota. Got free quotes online for a 2010 Nissan 370Z. Ended up at about $140 savings annually. Went with Allstate. Left American Family to switch. Moved home policy as well. I got prices on the web.

  3. April Bonner

    Good site, thanks. I’m just west of Saint Louis, MO. Got car insurance quotes from AIG Insurance, Safeco, and USAA for my 370Z and I’m now saving $19 a month.

  4. Gracie Ray

    Well-written and thought out article. From northwest of Milwaukee, WI. Can’t remember who all I quoted but I ended up saving about $40 each month. Was with Encompass. I get multi-vehicle and multi-policy discounts. I quoted rates online then called them.

  5. Larae Dudley

    Great site. I’m just east of Raleigh, NC. Got car insurance prices from Allstate, Hartford, and Eastwood for my Nissan and saved $136 a year. I just quoted rates online.

  6. Tami Montoya

    My Nissan is faster than yours.

  7. Chiquita Bell

    I drive uninsured.

  8. Anastacia Hodge

    I compared a lot of rate quotes for a 2010 Nissan 370Z in Norfolk, VA. Ended up at roughly $580 every six months with American Family. Was with Erie. They have a lot of discounts available.

  9. Willard Church

    I switched to State Farm. Quoted good rates in Greensboro, North Carolina. Even increased coverage a bit.

  10. Dawn Haney

    Lots of useful info here. I’m in the suburbs of Oklahoma City, OK. I got free rates from Hanover, AIG Insurance, Nationwide, and a couple others for my Nissan and am saving around $540 a year. Good multi-policy discounts. Bought it from an online quote.

  11. Abe Sawyer

    Lifelong resident of Fort Wayne, IN. Checked online prices for a 2010 Nissan 370Z. Ended up at about $150 savings annually. Went with Progressive.

  12. Bruce Joyner

    Does Montana require liability coverage?

  13. Joyce Farley

    I got a good deal I think. I live in Hartford, Connecticut. Quoted a bunch of companies. Saved right around $40 a month. State Farm was the cheapest option for me. Highly recommended.

  14. Glenn Whitley

    Not sure if this is cheap. Checking in from Norman, OK. Got car insurance quotes with Amica, Sentry, and some smaller one I can’t remember the name of for my Nissan and saved about $370 a year. Was with AAA. It was easy to get rates.

  15. Zoila Donaldson

    Where is cheaper car insurance? Live in the southern part of Seattle, WA. I quoted with Amica, Nationwide, and a few others for my Nissan and saved just over $190 a year. Was with Farmers. BTW speeding tickets are not good.

  16. Page Witt

    Cheap is relative. From north side of Billings, MT. Got car insurance rates from Progressive, Eastwood, and GMAC for my Nissan and saved about $550 a year. Even increased coverage a bit. Bought it from an online quote.

  17. Jinny Palmer

    Not sure if this is cheap. Live in the eastern part of Charleston, SC. Got quotes from Western Auto Insurance, American Family, Hanover, and Nationwide for my 370Z and saved $528 a year. Left State Farm to switch. Highly recommended.

  18. Dayle Burks

    Got a quote with The General for my 2010 Nissan 370Z and saved about $330 a year. I used their website to get prices.