Compare 2004 Nissan 350Z Insurance Quotes

Shoppers have a choice when shopping for low-cost Nissan 350Z insurance. You can either waste hours contacting agents trying to get quotes or use the internet to make rate comparisons.

There is a right way and a wrong way to compare auto insurance rates and we’ll show you the quickest way to get price quotes for a new or used Nissan and find the cheapest rates.

It’s a good idea to price shop coverage periodically because prices trend upward over time. Even if you got the best price for 350Z insurance a couple years back other companies may now be cheaper. Forget anything you know (or think you know) about auto insurance because we’re going to demonstrate how to quote online to properly buy coverages while reducing your premium.

Low Cost Auto Insurance

There are several ways to shop for Nissan 350Z auto insurance, but one way is more efficient than others. You could waste time discussing policy coverages with agents in your area, or you can stay home and use online quoting for quick rates.

Many of the larger companies are enrolled in a marketplace where prospective buyers send in one quote, and at least one company returns a competitive quote. This eliminates the need for quote requests to each company.

To enter your information into the quoting system, click here (opens in new window).

One minor caviat to getting quotes like this is you don’t know exactly which companies to receive prices from. So if you prefer to pick individual companies to request quotes from, we put together a list of the cheapest auto insurance companies in your area. Click here to view list.

It’s your choice how you get your quotes, but double check that you are using apples-to-apples coverage information on every quote you get. If the quotes have different limits and deductibles on each one then you won’t be able to make an equal comparison.

Get lower rates on 2004 Nissan 350Z insurance

Car insurance is not cheap, but discounts can save money and there are some available to help offset the cost. Some discounts apply automatically at the time of quoting, but lesser-known reductions have to be asked about in order for you to get them. If you’re not getting every credit available, you’re paying more than you need to.

  • Sign Online – Certain companies will give a small break for buying a policy and signing up over the internet.
  • Multiple Vehicles – Insuring multiple vehicles on one policy qualifies for this discount.
  • Air Bag Discount – Vehicles equipped with air bags or motorized seat belts may earn rate discounts of up to 25% or more.
  • Good Student – A discount for being a good student can be rewarded with saving of up to 25%. The discount lasts up until you turn 25.
  • Auto/Life Discount – Some companies give a discount if you purchase a life insurance policy as well.
  • Sign Early and Save – Select companies give a discount for switching policies before your current policy expires. It can save you around 10%.
  • Theft Prevention Discount – Cars that have factory anti-theft systems are stolen less frequently and will save you 10% or more.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles can avoid accidents and therefore earn up to a 10% discount.
  • Seat Belt Usage – Buckling up and requiring all passengers to buckle their seat belts can save up to 15% off your medical payments premium.

Drivers should understand that most discount credits are not given the the whole policy. Some only apply to specific coverage prices like comprehensive or collision. Just because it seems like all those discounts means the company will pay you, it doesn’t quite work that way. But any discount will cut the cost of coverage.

For a list of providers with discount insurance rates, click here to view.

Nissan 350Z premiums are determined by many factors

Smart consumers have a good feel for the rating factors that come into play when calculating your auto insurance rates. Having a good understanding of what controls the rates you pay empowers consumers to make smart changes that could result in big savings.

The list below includes some of the factors used by your company to calculate premiums.

  • An active claims history can cost you – Car insurance companies generally give cheaper rates to people who are claim-free. If you tend to file frequent claims, you can pretty much guarantee higher rates. Car insurance is designed for the large, substantial claims.
  • Rates may be higher depending on your occupation – Occupations like real estate brokers, business owners and dentists tend to have the highest average rates attributed to high stress and lengthy work days. Other jobs such as actors, historians and the unemployed receive lower rates for 350Z insurance.
  • Women pay lower rates – The statistics show that men are more aggressive behind the wheel. However, this does not mean men are WORSE drivers than women. Men and women are in accidents at a similar rate, but the males have costlier accidents. They also receive more costly citations such as reckless driving. Young males are the most expensive to insure and are penalized with high auto insurance rates.
  • Do you know you’re credit rating? – A driver’s credit history is a important factor in determining your rates. Therefore, if your credit history is not that good, you could potentially save money when insuring your 2004 Nissan 350Z by improving your rating. People with high credit scores tend to be more responsible than those with lower credit scores.
  • Marriage pays dividends – Having a wife or husband helps lower the price on your policy. Having a significant other translates into being more mature and responsible it has been statistically shown that drivers who are married are more cautious.
  • Adjust deductibles and save – Physical damage insurance, termed comprehensive and collision coverage on your policy, protects your Nissan from damage. Examples of covered claims are a windshield shattered by a rock, damage from fire, and windstorm damage. The deductibles are the amount of money you are willing to pay before a claim is paid by your company. The more money you’re willing to pay, the less your company will charge you for insurance for 350Z insurance.
  • Special features that cut premiums – Choosing a vehicle with anti-theft technology or alarm system can get you a discount on your auto insurance. Theft prevention devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart auto theft.

Tailor your coverage to you

When it comes to buying the right insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Everyone’s situation is a little different.

These are some specific questions may help you determine if your insurance needs would benefit from an agent’s advice.

  • Do I need added coverage for expensive stereo equipment?
  • Does my policy cover me when driving someone else’s vehicle?
  • What is UM/UIM insurance?
  • Is my camper covered by my car insurance policy?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Am I covered if I hit my neighbor’s mailbox?
  • Is rental equipment covered for theft or damage?
  • What if I total my 2004 Nissan 350Z and owe more than it’s worth?
  • Are my tools covered if they get stolen from my vehicle?
  • How can I force my company to pay a claim?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to an agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, free and can help protect your family.

The fine print in insurance ads

Consumers can’t get away from ads for car insurance savings by Geico, State Farm and Progressive. They all have a common claim about savings after switching to their company.

But how can every company make the same claim?

All the different companies are able to cherry pick for the type of driver they prefer to insure. A good example of a profitable customer could be between 30 and 50, is a homeowner, and has excellent credit. A customer getting a price quote that hits that “sweet spot” will get very good rates and is almost guaranteed to cut their rates substantially.

Drivers who do not match the requirements must pay more money which leads to business going elsewhere. The ad wording is “customers who switch” not “people who quote” save that much money. That’s the way companies can state the savings.

This illustrates why drivers must compare many company’s rates. Because you never know which insurance company will have the lowest Nissan 350Z insurance rates.

Auto insurance coverages 101

Understanding the coverages of your policy can help you determine the right coverages and the correct deductibles and limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your 2004 Nissan 350Z.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time these coverages are set the same as your liablity limits.

Collision coverage protection

This coverage covers damage to your 350Z from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like backing into a parked car, driving through your garage door, crashing into a building and damaging your car on a curb. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses such as surgery, hospital visits and funeral costs. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers you and your occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Comprehensive (Other than Collision)

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as a tree branch falling on your vehicle, damage from a tornado or hurricane, fire damage and a broken windshield. The maximum payout your auto insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability auto insurance

Liability insurance will cover damages or injuries you inflict on other people or property. It protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 25/50/25 that translate to a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Some companies may use one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for things such as medical services, repair bills for other people’s vehicles and court costs. How much liability coverage do you need? That is a personal decision, but consider buying as large an amount as possible.

More effort can pay off

We just showed you many tips how you can compare 2004 Nissan 350Z insurance prices online. The key thing to remember is the more you quote, the higher the chance of saving money. Drivers may discover the lowest rates come from a company that doesn’t do a lot of advertising.

People switch companies for many reasons like lack of trust in their agent, not issuing a premium refund, delays in paying claims or policy cancellation. Regardless of your reason, finding a new company can be easier than you think.

As you restructure your insurance plan, don’t be tempted to reduce needed coverages to save money. In many cases, someone dropped uninsured motorist or liability limits only to find out they didn’t purchase enough coverage. The proper strategy is to buy a smart amount of coverage at a price you can afford while not skimping on critical coverages.

For more information, take a look at the articles below: