1991 Nissan 300ZX Car Insurance Rates – 6 Tips for Best Quotes

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: May 12, 2022

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Buyers have lots of choices when searching for the best price on Nissan 300ZX insurance. You can either waste hours driving around to get rate comparisons or save time using the internet to make rate comparisons. There is a right way and a wrong way to compare insurance rates so we’re going to tell you the absolute fastest way to get price quotes for a new or used Nissan and locate the cheapest rates.

It is always a good idea to do rate comparisons every six months since rates are constantly changing. Just because you found the best deal on 300ZX coverage a few years ago other companies may now be cheaper. Ignore everything you know about insurance because you’re about to find out how to use the internet to buy cheaper insurance.

Lots of discounts mean lots of savings

Companies don’t list all their discounts in a way that’s easy to find, so we researched both well-publicized and the more hidden ways to save on car insurance. If you aren’t receiving every discount possible, you are throwing money away.

  • Life Insurance – Select insurance companies reward you with lower rates if you buy life insurance.
  • Claim Free – Claim-free drivers can earn big discounts when compared with frequent claim filers.
  • Drive Less and Save – Driving fewer miles could qualify for lower rates on the low mileage vehicles.
  • Discount for New Cars – Putting insurance coverage on a new car can save up to 30% due to better safety requirements for new cars.
  • Good Student Discount – A discount for being a good student can earn a discount of 20% or more. The discount lasts up until you turn 25.
  • Driver’s Ed – Require your teen driver to enroll in driver’s education in school.

It’s important to note that most of the big mark downs will not be given to the overall cost of the policy. Most only apply to the price of certain insurance coverages like comp or med pay. So despite the fact that it appears you would end up receiving a 100% discount, car insurance companies aren’t that generous.

Insurance companies who might offer these benefits include:

Double check with every prospective company what discounts are available to you. All car insurance discounts might not apply in your area.

Insurance Coverage Prices

There are multiple methods to compare 1991 Nissan 300ZX insurance coverage prices but some are more efficient than others. You can waste hours talking about coverages with local insurance agents in your area, or you could use the internet to quickly compare rates.

Most of the larger companies participate in a marketplace where insurance shoppers enter their policy data once, and each participating company provides a quote determined by their information. This prevents consumers from doing quotation requests to each company.

To fill out one form to compare multiple rates now click here to start a free quote.

The one downside to using this type of system is buyers cannot specifically choose the insurers to receive prices from. If you prefer to choose specific providers to compare, we have a page of insurance coverage companies in your area. View list of insurance companies.

It’s up to you how you get prices quotes, just compare exactly the same coverages and limits with each company. If your comparisons have higher or lower deductibles it’s not possible to make an equal comparison.

Situations that might require an agent

When it comes to buying adequate coverage for your personal vehicles, there really is not a “perfect” insurance plan. Each situation is unique.

For example, these questions could help you determine if your insurance needs will benefit from professional help.

  • How can I find cheaper teen driver insurance?
  • Am I covered when driving on a suspended license?
  • Is my 1991 Nissan 300ZX covered for flood damage?
  • Can I make deliveries for my home business?
  • Am I covered if hit by an uninsured driver?
  • Is my teen driver covered when they drive my company car?

If you’re not sure about those questions then you might want to talk to a licensed 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.

Insurance coverages and their meanings

Knowing the specifics of your insurance policy helps when choosing the right coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP provide coverage for expenses for pain medications, hospital visits and rehabilitation expenses. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

Comprehensive coverage

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like hitting a deer, falling objects, hail damage and hitting a bird. The most a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability coverage

Liability coverage can cover injuries or damage you cause to other people or property in an accident. It protects YOU from claims by other people. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 25/50/25 which means $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability insurance covers claims such as court costs, loss of income and legal defense fees. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as much as you can afford.

Collision coverage

This will pay to fix damage to your 300ZX from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like hitting a mailbox, colliding with another moving vehicle and sideswiping another vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist coverage

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

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Shop around and save

Drivers who switch companies do it for a number of reasons such as denial of a claim, an unsatisfactory settlement offer, unfair underwriting practices and high rates after DUI convictions. It doesn’t matter why you want to switch choosing a new company is not as difficult as it may seem.

Cost effective 1991 Nissan 300ZX insurance is definitely available both online and with local insurance agents, and you need to price shop both in order to have the best price selection to choose from. A few companies do not offer the ability to get a quote online and many times these smaller companies only sell through independent insurance agents.

We just showed you a lot of information how to lower your insurance rates. The key thing to remember is the more rate quotes you have, the better likelihood of reducing your rate. You may be surprised to find that the biggest savings come from the smaller companies.

Even more information is available by following these links:

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