2013 Nissan 370Z Insurance Rates – 8 Policy Discounts

Looking for better car insurance rates for your Nissan 370Z? Scraping up a payment for overpriced Nissan 370Z insurance can consume your funds, especially in this economy. Doing a rate analysis is a smart way to make ends meet.

Because there are so many companies and agents to choose from, it’s difficult to locate the right car insurance company.

It’s a good habit to compare premium rates on a regular basis since insurance prices are constantly changing. Just because you had the best rates for 370Z coverage a few years ago the chances are good that you can find a lower rate quote today. Ignore everything you know about car insurance because you’re going to learn how to use online quotes to lower your annual insurance bill.

Buy car insurance online

Getting a cheaper price on 2013 Nissan 370Z insurance is not rocket science. The only requirement is to spend a few minutes comparing rates online from several insurance companies. Price comparisons can be done using a couple different methods.

  1. The first (and easiest) way to get the best comparison quotes is an all-inclusive rate comparison click here to open form in new window. This style of form eliminates the need for multiple quote forms for each price estimate. Just one form gets rate comparisons instantly.
  2. A less efficient way to get quotes online is spending the time to visit each company’s website to complete a price quote. For example, we’ll assume you want to get rates from Farmers, Allstate and Liberty Mutual. You would be required to take the time to go to each site and type in your information over and over, which can take a lot of time. For a list of links to insurance companies in your area, click here.

Whichever way you choose to compare rates, ensure you are comparing identical coverages for each quote you get. If your comparisons have different values for each quote it will be nearly impossible to make an equal comparison.

Tailor your auto insurance coverage to you

When choosing adequate coverage for your personal vehicles, there is no single plan that fits everyone. Each situation is unique and your policy should reflect that. For example, these questions may help highlight whether you might need an agent’s assistance.

  • Should I get collision insurance on every vehicle?
  • What is an SR-22 filing?
  • Do I need replacement cost coverage?
  • Do I pay less if my vehicle is kept in my garage?
  • Is a fancy paint job covered?
  • Does my 2013 Nissan 370Z need full coverage?
  • Do I have any recourse if my insurance company denies a claim?
  • How can I find cheaper teen driver insurance?
  • Am I covered if I hit a deer?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking 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 only takes a few minutes and can help protect your family.

Car insurance coverages and their meanings

Learning about specific coverages of a car insurance policy can be of help when determining which coverages you need for your vehicles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. These are typical coverages available from car insurance companies.

Collision – This pays for damage to your 370Z resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things like backing into a parked car, scraping a guard rail and hitting a mailbox. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. You can also increase the deductible to bring the cost down.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP kick in for expenses for things like funeral costs, EMT expenses, hospital visits, X-ray expenses and pain medications. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist coverage – This coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Liability car insurance – This coverage provides protection from damage that occurs to people or other property in an accident. It protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 25/50/25 which stand for a $25,000 limit per person for injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability coverage pays for claims such as repair bills for other people’s vehicles, pain and suffering and medical expenses. How much liability coverage do you need? That is your choice, but you should buy higher limits if possible.

Comprehensive coverage – This coverage covers damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like theft, fire damage, damage from a tornado or hurricane and damage from getting keyed. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Comments About 2013 Nissan 370Z Insurance

  1. Jacqulyn Fletcher

    I’ve insured with GEICO for a long time. Pretty cheap in Bellevue, Nebraska.

  2. Willy Chavez

    Lifelong resident of Des Moines, Iowa. Got prices from American Family, Sentry, and Western Auto Insurance for my 2013 Nissan 370Z and saved $525 a year.

  3. Lamar Gilmore

    Will Allstate be cheaper if I raise deductibles?

  4. Hilton Browning

    If you have a good history and live around Hartford, CT, check out GEICO. You might get cheaper rates. They offer free online rate quotes.

  5. Florencio Kemp

    From northwest of Nashville, Tennessee. Don’t remember every company but I ended up saving about $50 each month.

  6. Ciara Lester

    Thought I’d throw in my experience. Quoted with USAA for my 2013 Nissan 370Z and cut my rates about $480 a year. Moved home policy as well.

  7. Kari Buchanan

    Went with State Farm for my Nissan and saved around $380 a year. Was with Hartford. I have a teen driver too. Online quotes are the way to go.

  8. Nieves Gonzales

    Great info, thanks for posting. I’m from Davenport, Iowa. I quoted with American Family, Encompass, and Sentry for my 2013 Nissan 370Z and saved $391 a year. Even increased my liability limits. Not sure about claim service.

  9. Lupita Erickson

    Are custom wheels covered by insurance?