2013 Nissan GT-R Car Insurance Quotes

Are you overwhelmed by the wide range of auto insurance companies? You’re not the only one! Consumers have so many companies to choose from that it can easily become a challenge to find lower rates.

The fastest way that we advise to compare insurance rates in your area is to understand most of the larger companies allow for online access to provide you with a free rate quote. The only thing you need to do is provide information like if it has an anti-theft system, if you lease or own, driver ages, and which vehicles you own. The rating information gets transmitted to many different companies and they return quotes almost instantly.

To find the cheapest 2013 Nissan GT-R insurance rates, click here and enter the information requested.

How to save on 2013 Nissan GT-R insurance

Car insurance companies don’t always list every discount very well, so here is a list both the well known and the harder-to-find insurance coverage savings.

  • Sign Online – Certain companies will give a small break for buying a policy and signing up online.
  • Braking Control Discount – Cars that have steering control and anti-lock brakes can avoid accidents and will save you 10% or more.
  • No Charge for an Accident – A few companies permit an accident before raising your premiums as long as you don’t have any claims for a set time period.
  • Resident Student – Children who attend school more than 100 miles from home and don’t have a car may qualify for this discount.
  • 55 and Retired – If you qualify as a senior citizen, you may be able to get a small decrease in premiums on GT-R insurance.
  • Safety Course Discount – Taking part in a course in driver safety can save you 5% or more if your company offers it.
  • Save with a New Car – Insuring a new car can cost up to 25% less due to better safety requirements for new cars.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents can pay as much as 50% less on GT-R insurance than their less cautious counterparts.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Nissan can earn discounted rates on garaged vehicles.

Consumers should know that most discounts do not apply the the whole policy. Most cut specific coverage prices like medical payments or collision. So when it seems like you would end up receiving a 100% discount, companies wouldn’t make money that way.

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

Tailor your coverage to you

When buying adequate coverage, there really is not a best way to insure your cars. Each situation is unique.

Here are some questions about coverages that can aid in determining if you could use an agent’s help.

  • Does medical payments coverage apply to all occupants?
  • Is business equipment covered while in my vehicle?
  • Who is covered by my policy?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Am I covered if I hit my neighbor’s mailbox?
  • Does my 2013 Nissan GT-R need full coverage?
  • Am I covered when driving someone else’s vehicle?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to a licensed insurance agent. To find an agent in your area, take a second and complete this form.

Parts of the Nissan GT-R rate equation

It’s important that you understand the factors that come into play when calculating the price you pay for insurance coverage. Having a good understanding of what controls the rates you pay helps enable you to make changes that will entitle you to much lower annual insurance costs.

  • Rates may be higher depending on your occupation – Occupations like lawyers, business owners and financial analysts are shown to have higher average rates attributed to high stress levels and long work days. Conversely, occupations like scientists, engineers and retirees pay the least on GT-R insurance.
  • High crash test scores lower rates – Vehicles with high crash test scores can get you lower premiums. The safest vehicles have better occupant injury protection and better occupant protection means lower claim amounts passed on to you as lower rates. If your Nissan scored better than four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.
  • Allowing your policy to lapse raises rates – Driving your car without having proper coverage can get your license suspended and as a result your rates will increase for letting your insurance expire. Not only will you pay more, failure to provide proof of insurance might get you a hefty fine and possibly a revoked license.
  • Women pay lower rates – Statistics have proven that men are more aggressive behind the wheel. However, this does not mean men are WORSE drivers than women. Women and men have accidents in similar percentages, but the males have costlier accidents. They also get more serious tickets like reckless driving and DUI. Young males are the most expensive to insure and are penalized with high insurance coverage rates.
  • More people means more accidents – Residing in less populated areas can save you money when it comes to insurance coverage. Drivers who live in large cities have traffic congestion and much longer commute distances. Less people living in that area means a lower chance of having an accident and a lower car theft rate.
  • Younger drivers pay higher rates – Mature drivers are viewed as being more responsible, statistically cause fewer accidents and tend to be better behind the wheel. Youthful drivers are known to be more careless in a vehicle and because of this, their insurance coverage rates are much higher.
  • Being married is a good thing – Being married actually saves money on your policy. Marriage is viewed as being more mature and responsible and it’s statistically proven that married couples file fewer claims.
  • Optional equipment can affect rates – Purchasing a vehicle with an alarm system can help lower your rates. Anti-theft features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping your car from being stolen.

Insurance coverage options for a 2013 Nissan GT-R

Understanding the coverages of your policy can help you determine which coverages you need and the correct deductibles and limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Collision insurance

Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as rolling your car, damaging your car on a curb, driving through your garage door and backing into a parked car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to get cheaper collision coverage.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Nissan GT-R.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive coverage (or Other than Collision)

This covers damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like damage from a tornado or hurricane, falling objects, hail damage and a broken windshield. The highest amount your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability coverages

This coverage will cover damages or injuries you inflict on a person or their property in an accident. This coverage protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability insurance covers things such as emergency aid, repair bills for other people’s vehicles, loss of income, structural damage and medical expenses. How much liability should you purchase? That is your choice, but buy as high a limit as you can afford.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for things like nursing services, chiropractic care, pain medications, X-ray expenses and surgery. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Be a smart shopper

People change insurance companies for a variety of reasons including unfair underwriting practices, high rates after DUI convictions, poor customer service and even lack of trust in their agent. It doesn’t matter what your reason, choosing a new insurance company can be pretty painless.

The cheapest 2013 Nissan GT-R insurance is definitely available on the web and also from your neighborhood agents, and you need to comparison shop both in order to have the best price selection to choose from. Some insurance coverage companies may not provide the ability to get a quote online and many times these small, regional companies only sell through independent insurance agents.

When you buy insurance online, do not buy lower coverage limits just to save a few bucks. There are a lot of situations where consumers will sacrifice liability limits or collision coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. The ultimate goal is to find the BEST coverage at a price you can afford, not the least amount of coverage.

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