View 2007 Nissan 350Z Insurance Quotes

Looking for cheaper insurance coverage rates for your Nissan 350Z? No one likes paying for insurance coverage, especially knowing they are paying too much.

Lots of car insurance companies contend to insure your vehicles, so it can be very hard to choose a insurance company to find the lowest price

Nissan 350Z rate determination is complex

It’s important that you understand the factors that help determine the rates you pay for insurance. Knowing what influences your rates enables informed choices that will entitle you to better insurance rates.

  • Your location is important – Being located in small towns and rural areas can save you money when insuring your vehicles. City drivers have to deal with traffic congestion and much longer commute distances. Lower population means a lower chance of having an accident and a lower car theft rate.
  • Rate your vehicle for proper use – The more miles you rack up on your Nissan every year the higher your rate. The majority of insurers price each vehicle’s coverage determined by how the vehicle is used. Cars and trucks that are left in the garage receive lower rates compared to those used for work or business. Verify your insurance policy properly reflects how each vehicle is driven, because improper ratings can cost you money. If your policy improperly rates your 350Z may be costing you.
  • Frequent insurance claims increase rates – If you file claims often, you can expect either a policy non-renewal or much higher rates. Car insurance companies generally give discounts to policyholders who are claim-free. Auto insurance is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
  • Theft deterrents lower rates – Driving a car with a theft deterrent system can help lower your rates. Theft prevention devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder auto theft.
  • Your occupation can affect rates – Jobs such as judges, architects and stock brokers tend to pay the highest rates because of stressful work requirements and long work days. On the other hand, occupations like pilots, students and the unemployed have the lowest average rates on 350Z coverage.

The most recommended method to compare policy rates is to know most insurance companies will pay a fee to give you rate quotes. All consumers are required to do is provide the companies a bit of rating information including if you went to college, your occupation, if a SR-22 is needed, and which vehicles you own. That rating information is submitted instantly to many different companies and they respond with quotes with very little delay.

Are insurance coverage companies telling the truth?

21st Century, Allstate and State Farm continually stream television and radio advertisements. All the companies make the same claim that you’ll save big after switching your policy. But how can every company say the same thing? It’s all in the numbers.

All companies have a certain “appetite” for the right customer they prefer to insure. For instance, a profitable customer could be between the ages of 30 and 50, owns a home, and has a short commute. A customer getting a price quote who fits that profile will get very good rates and as a result will probably save when they switch companies.

Potential customers who fall outside these standards will be quoted higher prices and this can result in the customer not buying. Company advertisements say “drivers who switch” but not “drivers who get quotes” save that much. This is how insurance companies can claim big savings. This emphasizes why you should quote coverage with many companies. Because you never know which insurance companies will provide you with the cheapest Nissan 350Z insurance rates.

These discounts can slash auto insurance rates

Auto insurance companies do not advertise all their discounts very well, so we researched both the well known and the more hidden auto insurance savings.

  • Auto/Home Discount – If you have multiple policies with the same insurance company you could get a discount of at least 10% off all policies.
  • Senior Citizens – Mature drivers can possibly qualify for better auto insurance rates on 350Z coverage.
  • Drive Less and Save – Low mileage vehicles can earn better rates on cars that stay parked.
  • Early Signing – Select companies give a discount for switching policies prior to your current policy expiration. This can save 10% or more.
  • Driver Safety – Taking part in a driver safety course could save 5% or more depending on where you live.
  • Federal Employees – Active or retired federal employment can earn a discount up to 10% on 350Z coverage with certain companies.
  • Homeowners Pay Less – Owning a house may trigger a auto insurance policy discount due to the fact that maintaining a home shows financial diligence.

As a disclaimer on discounts, most credits do not apply to the overall cost of the policy. Most only apply to the price of certain insurance coverages like comprehensive or collision. So even though it sounds like all the discounts add up to a free policy, companies don’t profit that way.

Companies that possibly offer these discounts include:

Double check with each company what discounts are available to you. Discounts might not be offered in your area.

When might I need the advice of an agent?

When choosing adequate coverage for your personal vehicles, there is no “best” method to buy coverage. Everyone’s needs are different and a cookie cutter policy won’t apply. For example, these questions might help in determining if your situation might need an agent’s assistance.

  • What is PIP insurance?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Does my policy pay for OEM or aftermarket parts?
  • What is an SR-22 filing?
  • Should I waive the damage coverage when renting a car?
  • Is rental equipment covered for theft or damage?
  • I don’t drive much so do I pay less?
  • Is my 2007 Nissan 350Z covered for smoke damage?
  • Should I sign the liability waiver when renting a car?

If you can’t answer these questions but one or more may apply to you, you may need to chat with an agent. To find an agent in your area, complete this form or click here for a list of auto insurance companies in your area.

Specifics of your car insurance policy

Understanding the coverages of car insurance can be of help when determining the right coverages for your vehicles. Car insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Listed below are the normal coverages found on the average car insurance policy.

Auto collision coverage

This coverage covers damage to your 350Z caused by collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as colliding with another moving vehicle, hitting a mailbox, crashing into a building, backing into a parked car and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Another option is to bump up the deductible to get cheaper collision coverage.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Coverage for medical expenses

Coverage for medical payments and/or PIP pay for immediate expenses for things like nursing services, pain medications, surgery, EMT expenses and rehabilitation expenses. They are often used to fill the gap from your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants as well as getting struck while a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Comprehensive car insurance

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like hitting a deer, rock chips in glass, a tree branch falling on your vehicle, hail damage and a broken windshield. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for liability

Liability coverage can cover damage or injury you incur to people or other property. It protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability coverage pays for claims like structural damage, medical expenses, repair costs for stationary objects, court costs and funeral expenses. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Stretch your dollar

Lower-priced 2007 Nissan 350Z insurance can be bought online in addition to many insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. Some insurance companies do not provide the ability to get a quote online and usually these small insurance companies provide coverage only through local independent agents.

While you’re price shopping online, make sure you don’t reduce coverage to reduce premium. In many instances, someone sacrificed full coverage and learned later that saving that couple of dollars actually costed them tens of thousands. The aim is to find the BEST coverage for the lowest price, not the least amount of coverage.

Additional car insurance information can be found at the links below