2003 Nissan 350Z Insurance Quotes

Looking for better car insurance rates for your Nissan 350Z? Paying for high-priced Nissan 350Z insurance can drain your bank account and force you to make sacrifices. Comparing cost estimates can be a smart way to reduce premiums and put more money in your pocket.

Because there are so many companies and agents to choose from, it can be diffult for drivers to choose the most cost effective insurance company.

You can change your insurance costs

Many things are considered when you quote your car insurance policy. Some of the criteria are obvious such as your driving history, although some other factors are less apparent like your continuous coverage or your financial responsibility.

The factors shown below are a partial list of the pieces used by your company to calculate prices.

  • Avoid tickets and save – Whether or not you get tickets has a lot to do with how much you pay for insurance. Careful drivers have lower premiums than people who have multiple driving citations. Having a single driving citation can increase the cost of insurance to the point where it’s not affordable. Drivers who have received severe violations such as reckless driving or DUI may find they need to file a SR-22 with the DMV in their state in order to keep their license.
  • Deter car thieves – Purchasing a vehicle with advanced anti-theft systems can earn a premium discount. Anti-theft devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart vehicle theft.
  • Gender as a rate factor – Statistics show females are less aggressive when driving. Now that doesn’t mean females are better drivers. Males and females are responsible for auto accidents in similar numbers, but guys have accidents that have higher claims. Men also tend to receive more costly citations like reckless driving and DUI. Young men ages 16 to 20 are most likely to cause an accident and therefore have the most expensive auto insurance rates.
  • Improve your credit score and save – Your credit rating is a big factor in your rate calculation. Insureds that have high credit ratings tend to be better drivers and file fewer claims than those with lower ratings. So if your credit history is not that good, you could be paying less to insure your 2003 Nissan 350Z if you improve your credit rating.
  • Incidental coverages may not be needed – Insurance policies have a lot of additional coverages you can purchase on your 350Z policy. Things like rental car coverage, death and dismemberment, and membership fees may be wasting your money. They may seem good initially, but if you’ve never needed them in the past remove them and pocket the money.
  • Never go without auto insurance – Not maintaining insurance is against the law and any future policy may cost more because you let your coverage lapse. And not only will insurance be more expensive, being ticketed for driving with no insurance will get you a steep fine or even jail time. You may then have to prove you have insurance by filing a SR-22 with your state motor vehicle department to get your license reinstated.

How much does car insurance cost?

Performing a rate comparison can take hours if you don’t utilize the most efficient way to do it. You could waste time talking about coverages with insurance companies in your area, or you could save time and use the web to get prices fast.

Many popular insurance companies enroll in a system that allows shoppers to enter their policy data once, and every company can provide price quotes based on that data. This system prevents you from having to do quote requests to each company.

To fill out one form to compare multiple rates now click to open in new window.

The only downside to using this type of form is you are unable to specify the providers you want to price. So if you prefer to choose from a list of companies to receive pricing from, we put together a list of car insurance companies in your area. Click here for list of insurance companies.

It doesn’t matter which method you choose, just be sure you’re using apples-to-apples quote information with each company. If you have mixed coverages it’s not possible to determine the best price for your Nissan 350Z. Having just a slight variation in insurance coverages or limits could throw off the whole comparison. And when comparison shopping, more quotes will increase your chances of finding more affordable rates.

Insurance policy discounts

Some providers don’t necessarily list every disount available very well, so the below list has both well-publicized and the harder-to-find credits available to you. If they aren’t giving you every credit you qualify for, you are throwing money away.

  • Federal Employees – Employees or retirees of the government may reduce rates when you quote insurance on 350Z coverage with certain companies.
  • Active Service Discounts – Being deployed in the military may lower your rates slightly.
  • Buy New and Save – Insuring a vehicle that is new can be considerably cheaper because newer models are generally safer.
  • Smart Student Discounts – Being a good student can save 20 to 25%. You can use this discount normally until age 25.
  • Theft Deterent System – Cars, trucks, and SUVs with anti-theft systems are less likely to be stolen so companies will give you a small discount.
  • Drivers Ed for Students – Reduce the cost of insurance for teen drivers by having them take driver’s ed class in high school.
  • Drive Less and Save – Low mileage vehicles could earn substantially lower insurancerates.

As a disclaimer on discounts, most of the big mark downs will not be given to the entire policy premium. Most only cut the cost of specific coverages such as collision or personal injury protection. So when it seems like all those discounts means the company will pay you, you’re out of luck.

Large insurance companies and a partial list of their discounts are:

  • State Farm offers premium reductions for Drive Safe & Save, defensive driving training, good driver, Steer Clear safe driver discount, and safe vehicle.
  • GEICO has discounts for multi-vehicle, air bags, anti-theft, multi-policy, and federal employee.
  • Progressive includes discounts for good student, homeowner, online signing, online quote discount, and multi-policy.
  • 21st Century discounts include homeowners, early bird, defensive driver, good student, anti-lock brakes, and student driver.
  • American Family may have discounts that include accident-free, Steer into Savings, multi-vehicle, early bird, and air bags.
  • The Hartford may offer discounts for driver training, vehicle fuel type, air bag, good student, and bundle.
  • AAA may include discounts for anti-theft, multi-car, multi-policy, good student, pay-in-full, AAA membership discount, and good driver.

If you need lower rates, check with each company which credits you are entitled to. Some credits may not apply to policyholders in every state.

How do I know if I need professional advice?

When choosing adequate coverage for your personal vehicles, there really is not a cookie cutter policy. Everyone’s situation is unique and your policy should reflect that. For example, these questions might help in determining if your insurance needs would benefit from professional advice.

  • Can I make deliveries for my home business?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Does insurance cover tools stolen from my truck?
  • Are my friends covered when driving my car?
  • Why is insurance for a teen driver so high?
  • Should I buy only the required minimum liability coverage?
  • When should I not file a claim?

If you’re not sure about those questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area.

Insurance coverage breakdown

Having a good grasp of a insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverage types found on most insurance policies.

Collision protection

Collision insurance covers damage to your 350Z caused by collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like colliding with a tree, sustaining damage from a pot hole, hitting a parking meter and damaging your car on a curb. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible in order to get cheaper collision rates.

Liability insurance

Liability coverage provides protection from damages or injuries you inflict on other people or property by causing an accident. This coverage protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 50/100/50 which stand for a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability coverage protects against claims such as legal defense fees, loss of income, court costs and funeral expenses. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance pay for bills for things like hospital visits, nursing services, dental work and surgery. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as rock chips in glass, hitting a bird, theft and fire damage. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Coverage for uninsured or underinsured drivers

This coverage gives you protection when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Nissan 350Z.

Because many people have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

More effort can pay off

We just showed you some good ideas how you can reduce 2003 Nissan 350Z insurance rates online. It’s most important to understand that the more companies you get car insurance rates for, the higher the chance of saving money. Drivers may discover the lowest rates are with some of the lesser-known companies. They may often insure only within specific states and give getter rates than their larger competitors like Allstate, GEICO and Progressive.

Cheaper 2003 Nissan 350Z insurance is possible on the web as well as from insurance agents, and you should be comparing both to have the best rate selection. Some insurance coverage companies may not offer online rate quotes and usually these small, regional companies work with independent insurance agents.

When you buy insurance online, do not skimp on critical coverages to save a buck or two. There are too many instances where an accident victim reduced collision coverage only to regret that it was a big error on their part. The ultimate goal is to purchase a proper amount of coverage at an affordable rate, not the least amount of coverage.

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