Cheap Quotes for Nissan 370Z Insurance in San Antonio

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Insurance for Nissan 370ZNobody I know looks forward to paying premiums for insurance, especially when they know the price is too high.

It's easy to assume that auto insurance companies don't want policyholders to shop around. Drivers who shop around for the cheapest price will presumably move their business because of the high probability of getting low-cost coverage. A study showed that people who routinely shopped for cheaper coverage saved an average of $860 a year as compared to drivers who never shopped around for better prices.

If finding the most affordable Nissan 370Z insurance in San Antonio is your ultimate target, then having some knowledge of the best way to compare insurance can help make the process easier. People have many insurance companies to choose from, and although it's nice to have multiple companies, more options can take longer to adequately compare rates for Nissan 370Z insurance in San Antonio.

Locating the best rates in San Antonio can be easy if you know a few tricks. If you already have coverage or just want cheaper rates, you can follow these tips to save money while maintaining coverages. Comparison shoppers just have to use the most time-saving way to compare company rates from many different companies.

Low Cost companies for Nissan 370Z insurance in Texas

The following companies offer price quotes in Texas. If more than one company is shown, it's a good idea that you click on several of them to find the most competitive car insurance rates.

Coverage analysis

The rate information below highlights estimates of insurance rates for Nissan 370Z models. Understanding how policy premiums are figured can help guide drivers when making smart choices when selecting a policy.

Nissan 370Z Insurance Rates in San Antonio, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
370Z 2-Dr Coupe $286 $694 $486 $28 $146 $1,640 $137
370Z 2-Dr Roadster $318 $694 $430 $26 $128 $1,596 $133
370Z Touring 2-Dr Coupe $318 $784 $486 $28 $146 $1,762 $147
370Z Touring 2-Dr Roadster $318 $694 $430 $26 $128 $1,596 $133
370Z Nismo 2-Dr Coupe $318 $876 $486 $28 $146 $1,854 $155
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Data variables include single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Estimates do not factor in specific garaging location which can impact insurance rates greatly.

An analysis of deductible level

One of the most common car insurance questions is how high or low should comp and collision deductibles be. The premium rates below sum up the cost difference between high and low physical damage deductibles. The first price estimate table uses a $100 deductible and the second set of rates uses a $1,000 deductible.

Nissan 370Z insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
370Z 2-Dr Coupe $370 $804 $430 $26 $128 $1,783 $149
370Z 2-Dr Roadster $412 $804 $382 $22 $114 $1,759 $147
370Z Touring 2-Dr Coupe $412 $908 $430 $26 $128 $1,929 $161
370Z Touring 2-Dr Roadster $412 $804 $382 $22 $114 $1,759 $147
370Z Nismo 2-Dr Coupe $412 $1014 $430 $26 $128 $2,035 $170
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Nissan 370Z insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
370Z 2-Dr Coupe $206 $424 $430 $26 $128 $1,214 $101
370Z 2-Dr Roadster $228 $424 $382 $22 $114 $1,170 $98
370Z Touring 2-Dr Coupe $228 $478 $430 $26 $128 $1,290 $108
370Z Touring 2-Dr Roadster $228 $424 $382 $22 $114 $1,170 $98
370Z Nismo 2-Dr Coupe $228 $534 $430 $26 $128 $1,346 $112
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Rates do not factor in zip code location which can affect coverage prices substantially.

Based on this data, we can arrive at the conclusion that using a $100 deductible will cost you about $52 more each month or $624 each year than selecting the higher $1,000 deductible. Since the policyholder would be required to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you normally average at a minimum 17 months between claim filings, you would save money by selecting a higher deductible. Here is an example of how you can make this decision for your own policy.

Average monthly premium for $100 deductibles: $155
Average monthly premium for $1,000 deductibles (subtract): - $103
Monthly savings from raising deductible: $52
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $52
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 17 months

Auto insurance policy discounts you can't miss

Some companies don't list the entire discount list in an easy-to-find place, so here is a list a few of the more common as well as the least known credits available to lower your premiums when you buy San Antonio car insurance online.

  • Military Deployment Discount - Being on active deployment in the military can result in better auto insurance rates.
  • Air Bag Discount - Cars that have air bags and/or automatic seat belt systems can qualify for discounts of more than 20%.
  • Defensive Driver - Participating in a defensive driver class could possibly earn you a 5% discount and easily pay for the cost of the class.
  • Student Discount for Driver Training - Make teen driver coverage more affordable by requiring them to enroll and complete driver's education in school.
  • Senior Citizen Discount - Seniors may be able to get a slight reduction on a San Antonio car insurance quote.
  • San Antonio Homeowners Discount - Being a homeowner can earn you a little savings since owning and maintaining a home is proof that your finances are in order.
  • Discounts for New Vehicles - Buying a new car instead of a used 370Z may earn a small discount since new vehicles are generally safer.

Remember that most credits do not apply to the entire policy premium. Most only reduce individual premiums such as medical payments or collision. Even though it appears having all the discounts means you get insurance for free, you won't be that lucky. But all discounts should help reduce the amount you have to pay.

The information below shows the difference between Nissan 370Z insurance costs with and without discounts applied. The costs are based on a male driver, no accidents or driving violations, Texas state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, homeowner, multi-policy, multi-car, marriage, and safe-driver discounts applied.

Companies and some of the discounts are:

  • State Farm may have discounts that include good driver, Steer Clear safe driver discount, student away at school, driver's education, defensive driving training, and good student.
  • Liberty Mutual includes discounts for good student, new vehicle discount, hybrid vehicle, teen driver discount, newly married, new graduate, and exclusive group savings.
  • American Family may offer discounts for Steer into Savings, good driver, TimeAway discount, air bags, good student, and multi-vehicle.
  • Progressive offers premium reductions for multi-vehicle, good student, continuous coverage, multi-policy, homeowner, online signing, and online quote discount.
  • Farmers Insurance has savings for distant student, alternative fuel, teen driver, electronic funds transfer, good student, mature driver, and bundle discounts.
  • Auto-Owners Insurance offers discounts for good student, multiple vehicles, multi-policy, safe driver, paperless, company car, and mature driver.
  • SAFECO offers discounts including teen safe driver, drive less, anti-theft, bundle discounts, homeowner, and multi-car.

Before buying, ask all the companies to give you their best rates. Some credits might not be offered on policies in your state. If you would like to choose from a list of insurance companies that offer multiple discounts in Texas, click here to view.

Should I contact an insurance agent?

Many drivers just prefer to get advice from a local agent and we recommend doing that Good agents can help determine the best coverages and give you someone to call. One of the great benefits of comparing car insurance online is the fact that drivers can get lower rates and also buy local.

San Antonio insurance agentsAfter completing this quick form, the quote information is sent to insurance agents in San Antonio who can give free rate quotes for your insurance coverage. You don't have to visit any agencies due to the fact that quote results will go straight to your inbox. If for some reason you want to get a rate quote from a specific company, feel free to visit that company's website and fill out their quote form.

Choosing a provider shouldn't rely on just the premium amount. Any agent in San Antonio should have no problem answering these questions:

  • How are they compensated?
  • Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
  • Are they actively involved in the community?
  • Do they reduce claim amounts on high mileage vehicles?
  • Are there any discounts for paying up front?

Shown below is a list of insurers in San Antonio that can give you rate quotes for Nissan 370Z insurance in San Antonio.

7863 Callaghan Rd #105 - San Antonio, TX 78229 - (210) 616-0662 - View Map

1954 SW Military Dr - San Antonio, TX 78221 - (210) 927-2277 - View Map

8607 Wurzbach Rd #101 - San Antonio, TX 78240 - (210) 696-1133 - View Map

Legion Insurance Agency
5309 Wurzbach Rd - San Antonio, TX 78230 - (210) 693-1501 - View Map

More San Antonio agents

Shop around and save

As you shop your coverage around, it's very important that you do not skimp on critical coverages to save a buck or two. In many cases, an insured dropped liability coverage limits only to regret at claim time that the savings was not a smart move. Your strategy should be to get the best coverage possible at the best possible price, but do not skimp to save money.

Lower-priced insurance in San Antonio is definitely available on the web as well as from independent agents in San Antonio, so you need to shop San Antonio car insurance with both in order to have the best chance of saving money. Some companies don't offer price quotes online and these regional carriers only sell through independent insurance agents.

For more information, feel free to visit the resources below: