How Much Does 1996 Nissan 300ZX Insurance Cost?

Buyers have many options when searching for the best price on Nissan 300ZX insurance. You can either spend your time contacting agents getting price quotes or utilize the internet to make rate comparisons.

There is a right way and a wrong way to shop for insurance so we’re going to tell you the quickest way to quote coverages for a new or used Nissan and obtain the lowest possible price.

It’s smart to compare prices every six months because prices are adjusted regularly by insurance companies. If you had the best deal on 300ZX insurance a year ago you will most likely find a better rate today. So block out anything you think you know about insurance because it’s time to teach you how to use online quotes to find lower rates on insurance.

This article will teach you how to get online quotes. If you are paying for car insurance now, you will most likely be able to cut costs considerably using this information. Vehicle owners just need to understand the proper way to get comparison rates over the internet.

Which Car Insurance is Cheapest?

Reducing your 1996 Nissan 300ZX insurance rates can be relatively painless. The only requirement is to invest a little time to compare rate quotes online from several insurance companies. It is quite easy and can be accomplished in just a few minutes using one of these methods.

The fastest way to get quotes for comparison is an all-inclusive rate comparison like this one (opens in new window). This type of form eliminates the need for separate forms for each company. One form will get you rate comparisons from several companies. This is by far the quickest method.

A slightly less efficient method to find lower rates requires a visit to each company’s website and request a quote. For sake of this example, let’s say you want to compare rates from Geico, Esurance and Travelers. To get rate quotes you would need to visit each site and enter your information, and that’s why the first method is more popular. For a handy list of car insurance company links in your area, click here.

Whichever way you use, ensure you’re using identical coverage limits on every quote you get. If the quotes have differing limits it will be impossible to determine the lowest rate for your Nissan 300ZX.

Advertising myths

Consumers can’t get away from ads that promise big savings from the likes of Allstate and Progressive. They all have a common claim about savings if you move your coverage to them.

But how can every company make the same claim?

Different companies have a certain “appetite” for the type of driver they prefer to insure. An example of a desirable insured could possibly be over the age of 40, has no tickets, and drives less than 10,000 miles a year. A customer who meets those qualifications gets the lowest rates and therefore will save a lot of money.

Potential customers who do not match these standards will be charged a higher premium and ends up with the customer not buying. Company advertisements say “customers who switch” not “everyone that quotes” save money. This is how companies can make those claims.

That is why you need to get quotes from several different companies. It’s impossible to know which company will have the lowest Nissan 300ZX insurance rates.

Factors influencing Nissan 300ZX insurance rates

Consumers need to have an understanding of the different types of things that help determine the rates you pay for insurance coverage. Knowing what controls the rates you pay allows you to make educated decisions that can help you get lower insurance coverage prices.

The following are some of the factors companies use to determine your rates.

  • A clean driving record saves money – Even one speeding ticket can boost insurance rates twenty percent or more. Careful drivers tend to pay less for car insurance than people who have multiple driving citations. If you have severe violations such as reckless driving, hit and run or driving under the influence may find they need to file a SR-22 with their state DMV in order to drive a vehicle legally.
  • No coverage gaps is important – Driving with no insurance is a misdemeanor and you will pay a penalty because you let your coverage have a gap. And not only will insurance be more expensive, but being ticketed for driving with no insurance may earn you a license revocation or jail time.
  • Being married is a good thing – Getting married can get you a discount on your insurance coverage policy. Marriage means you’re more mature than a single person and it’s statistically proven that drivers who are married are more cautious.
  • Protect yourself with liability coverage – The liability section of your policy is the protection in the event that a jury decides you are liable for causing damage or personal injury in an accident. It will provide legal defense which can be incredibly expensive. Liability is cheap compared to insuring for physical damage coverage, so do not cut corners here.
  • Bundling policies can get discounts – The majority of companies provide better rates to customers who carry more than one policy such as combining an auto and homeowners policy. Discounts can amount to anywhere from five to ten percent in most cases. Even though this discount sounds good, it’s still a good idea to shop around to confirm you are receiving the best rates possible. Consumers may find a better deal by buying insurance from more than one company.
  • Your insurance coverage rates can be influenced by your job – Did you know your job can affect your rates? Occupations like real estate brokers, social workers and stock brokers tend to have the highest rates because of stressful work requirements and long work days. On the other hand, occupations like actors, students and performers receive lower rates on 300ZX insurance.
  • Men are more aggressive – Statistics have proven women are more cautious behind the wheel. Now that doesn’t mean men are worse drivers. Both sexes have accidents in similar numbers, but the males tend to have more serious accidents. They also get more serious tickets such as DWI and reckless driving.
  • Special features that cut premiums – Choosing a vehicle with a theft deterrent system can save you a little every year. Theft prevention features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart auto theft.

Take discounts and save

Car insurance is not cheap, but there are discounts available that many people don’t even know exist. Some discounts apply automatically when you purchase, but a few need to be specifically requested before they will apply. If you don’t get every credit available, you’re paying more than you need to.

  • Multiple Policy Discount – When you have multiple policies with one insurance company you will save up to 20% off your total premium.
  • Paperless Signup – Certain companies will discount your bill up to fifty bucks just for signing your application on their website.
  • Service Members Pay Less – Having a deployed family member could be rewarded with lower premiums.
  • Government Employees – Active or retired federal employment may qualify you for a discount on 300ZX insurance with a few car insurance companies.
  • Passive Restraints and Air Bags – Cars that have air bags or motorized seat belts can get savings of more than 20%.
  • Auto/Life Discount – Select insurance companies reward you with a break if you buy a life insurance policy as well.

Drivers should understand that some of the credits will not apply to all coverage premiums. A few only apply to specific coverage prices like liability and collision coverage. So even though they make it sound like you can get free auto insurance, companies don’t profit that way. But all discounts will help reduce the cost of coverage.

To see a list of insurance companies offering car insurance discounts, click here.

Which policy gives me the best coverage?

When buying proper insurance coverage, there is no best way to insure your cars. Every insured’s situation is different.

Here are some questions about coverages that can aid in determining if you would benefit from an agent’s advice.

  • I have good health insurance, so how much medical payments coverage do I need?
  • Do I have any recourse if my insurance company denies a claim?
  • Am I covered if I hit a deer?
  • What is the difference between comprehensive and collision coverage?
  • When should I remove comp and collision on my 1996 Nissan 300ZX?
  • Can I get a multi-policy discount?

If you can’t answer these questions, you may need to chat with an agent. To find an agent in your area, complete this form. It only takes a few minutes and can provide invaluable advice.

Car insurance coverage specifics

Learning about specific coverages of a car insurance policy can help you determine which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP reimburse you for bills for funeral costs, chiropractic care, surgery, X-ray expenses and nursing services. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision coverage

This will pay to fix damage to your 300ZX caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like hitting a mailbox, sideswiping another vehicle, sustaining damage from a pot hole, rolling your car and damaging your car on a curb. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Coverage for liability

Liability insurance will cover damages or injuries you inflict on people or other property in an accident. It protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. 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 protects against things such as legal defense fees, court costs, loss of income and bail bonds. The amount of liability coverage you purchase is up to you, but consider buying as high a limit as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage provides protection when other motorists are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your 1996 Nissan 300ZX.

Because many people carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Normally these limits are similar to your liability insurance amounts.

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as a tree branch falling on your vehicle, hitting a deer and rock chips in glass. The highest amount you’ll receive from a claim 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.

Best coverage at the best price

Lower-priced 1996 Nissan 300ZX insurance is possible on the web and with local insurance agents, and you should be comparing both in order to have the best price selection to choose from. Some insurance providers do not offer you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.

Drivers who switch companies do it for many reasons like extreme rates for teen drivers, not issuing a premium refund, questionable increases in premium and even delays in paying claims. No matter why you want to switch, finding a new company is pretty easy and you might even save some money in the process.

When buying insurance coverage, never sacrifice coverage to reduce premiums. There are too many instances where someone dropped full coverage only to discover later that it was a big error on their part. Your focus should be to buy a smart amount of coverage at an affordable rate while still protecting your assets.

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