2006 Nissan 350Z Insurance Rates – 9 Tricks for Cheaper Quotes

Perplexed by the dozens of insurance options? You’re not the only one! Consumers have so many options that it can quickly become a real challenge to find the lowest price.

How much can you save with these nine discounts?

Companies that sell car insurance don’t list every discount very clearly, so the following is a list of both the well known as well as the least known savings tricks you should be using.

  • Air Bag Discount – Vehicles equipped with air bags may earn rate discounts of more than 20%.
  • Paperless Signup – Some insurance companies give back up to $50 for buying your policy digitally online.
  • Save with a New Car – Buying coverage on a new vehicle can cost up to 25% less since new cars are generally safer.
  • Own a Home – Owning a house may earn you a small savings because owning a home requires personal responsibility.
  • Bundle and Save – When you combine your home and auto insurance with the same company you will save 10% to 20% off each policy.
  • Multiple Cars – Insuring all your vehicles on one policy could earn a price break for each car.
  • No Accidents – Drivers who don’t have accidents pay much less compared to accident-prone drivers.
  • Accident Waiver – Certain companies allow you one accident without raising rates if you are claim-free prior to the accident.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates on 350Z insurance than their less cautious counterparts.

A little note about advertised discounts, most credits do not apply to the entire cost. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. Just because you may think you could get a free insurance policy, companies don’t profit that way.

A partial list of companies that may have these money-saving discounts are:

Check with each insurance company which discounts you may be entitled to. Discounts might not apply everywhere.

How much car insurance do I need?

When it comes to buying the right insurance coverage, there really is no perfect coverage plan. Every situation is different.

For instance, these questions might help in determining whether you could use an agent’s help.

  • What is the ISO rating for a 2006 Nissan 350Z?
  • Do I really need UM/UIM coverage?
  • How high should my uninsured/underinsured coverage be in my state?
  • Does coverage extend to Mexico or Canada?
  • Do I need added coverage for expensive stereo equipment?
  • Can I pay claims out-of-pocket if I buy high deductibles?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to an agent. To find lower rates from a local agent, take a second and complete this form.

Auto insurance coverage information

Knowing the specifics of car insurance aids in choosing the right coverages for your vehicles. Policy terminology can be difficult to understand and coverage can change by endorsement.

Medical payments coverage and PIP

Med pay and PIP coverage pay for immediate expenses for hospital visits, prosthetic devices, funeral costs and nursing services. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist coverage

This coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Nissan 350Z.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Comprehensive coverage

This covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as a broken windshield, damage from a tornado or hurricane and hitting a bird. The most 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 consider dropping full coverage.

Auto collision coverage

This coverage pays for 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 such as hitting a mailbox, colliding with another moving vehicle, damaging your car on a curb, driving through your garage door and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. It’s also possible to raise the deductible to save money on collision insurance.

Auto liability insurance

Liability insurance can cover damage that occurs to a person or their property by causing an accident. It protects YOU against other people’s claims. It does not 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 25/50/25 which means $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability can pay for things like loss of income, medical expenses and repair bills for other people’s vehicles. How much liability coverage do you need? That is a personal decision, but buy as much as you can afford.

The best insurance company isn’t always the cheapest

When trying to cut insurance costs, it’s a bad idea to reduce coverage to reduce premium. There have been many cases where an accident victim reduced liability coverage limits and discovered at claim time that the small savings ended up costing them much more. Your strategy should be to get the best coverage possible at an affordable rate while not skimping on critical coverages.

People leave their current company for many reasons like not issuing a premium refund, poor customer service, extreme rates for teen drivers and high rates after DUI convictions. Regardless of your reason for switching companies, switching insurance coverage companies is less work than it seems.

Throughout this article, we presented some good ideas how to get a better price on 2006 Nissan 350Z insurance. It’s most important to understand that the more companies you get rates for, the higher your chance of finding lower rates. You may even discover the lowest rates come from the least-expected company.

Much more information about insurance coverage is available on the following sites: