2007 Nissan 350Z Car Insurance Rates – 10 Tips for Cheaper 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: Mar 4, 2020

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I can’t think of anyone who likes having to buy insurance, in particular when they are paying too much. Having so many insurance companies to choose from, it is hard for the average consumer to locate the lowest cost insurer.

Shopping for the lowest cost protection is simple if you know the tricks. If you are insured now or are looking for a new policy, you can use these tips to shop for the lowest rates while maintaining coverages. Drivers just need to learn the proper methods to compare price quotes online.

How to Buy Insurance Coverage Online

Comparing insurance coverage rates can be a lot of work if you don’t understand the easiest way. You can waste hours talking to local insurance agents in your area, or you could save time and use the internet to get rates in a matter of minutes.

Most of the best insurance companies belong to a marketplace where insurance shoppers only type in their quote data once, and every company returns a competitive quote based on that data. This prevents consumers from doing repetitive form submissions for every insurance coverage company.

To find out how much you can save on insurance coverage click here to start a free quote.

The one disadvantage to using this type of form is you cannot specify the providers to get pricing from. So if you prefer to pick specific providers to compare prices, we have a listing of companies who write insurance coverage in your area. View list of insurance companies.

It’s your choice how you get your quotes, but compare apples-to-apples deductibles and coverage limits for each price quote. If you are comparing higher or lower deductibles it will be next to impossible to determine which rate is truly the best.

Discounts to lower 2007 Nissan 350Z insurance rates

Car insurance is not cheap, but there could be available discounts that many people don’t even know exist. Certain discounts will be triggered automatically when you purchase, but some must be specially asked for before you will receive the discount. If you aren’t receiving every discount available, you are paying more than you should be.

  • Pay Upfront and Save – If you pay your entire premium ahead of time rather than paying monthly you may reduce your total bill.
  • Paperless Signup – Certain companies may give you up to $50 for buying your policy over the internet.
  • Save over 55 – Older drivers can possibly qualify for a small decrease in premiums on 350Z insurance.
  • Drivers Ed for Students – Require your teen driver to successfully complete driver’s ed class if it’s offered in school.
  • Braking Control Discount – Anti-lock brake equipped vehicles can reduce accidents and will save you 10% or more.
  • Club Memberships – Participating in certain professional organizations may earn a discount when shopping for car insurance on 350Z insurance.
  • Driver Safety – Taking a course teaching defensive driving skills could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Multi-policy Discount – When you combine your home and auto insurance with the same insurance company you will save approximately 10% to 15%.
  • Theft Prevention System – Vehicles with anti-theft systems can help prevent theft and will save you 10% or more.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents may save up to 50% more on 350Z insurance than their less cautious counterparts.

A little note about advertised discounts, some of the credits will not apply the whole policy. Most cut specific coverage prices like comprehensive or collision. So even though they make it sound like you could get a free car insurance policy, companies don’t profit that way. Any amount of discount will bring down your premiums.

To see a list of providers offering car insurance discounts, click this link.

Tailor your coverage to you

When buying coverage for your personal vehicles, there really is no “best” method to buy coverage. Everyone’s needs are different so your insurance needs to address that. For example, these questions may help you determine if you could use an agent’s help.

  • What is UM/UIM insurance?
  • Are my tools covered if they get stolen from my vehicle?
  • When would I need rental car insurance?
  • Are my friends covered when driving my car?
  • Does coverage extend to my business vehicle?
  • What is the ISO rating for a 2007 Nissan 350Z?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Free Auto Insurance Comparison

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Auto insurance coverages

Having a good grasp of your policy can be of help when determining which coverages you need and the correct deductibles and limits. Car insurance terms can be confusing and coverage can change by endorsement. Listed below are typical coverage types found on the average car insurance policy.

Medical costs insurance

Medical payments and Personal Injury Protection insurance pay for bills for things like X-ray expenses, funeral costs and surgery. They are often utilized in addition to your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

UM/UIM Coverage

This protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Collision coverage

This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as backing into a parked car, damaging your car on a curb and colliding with a tree. 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. It’s also possible to increase the deductible to get cheaper collision coverage.

Liability coverages

Liability coverage will cover damage or injury you incur to other people or property by causing an accident. 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 commonly see policy limits of 100/300/100 which stand for $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Occasionally you may see one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability coverage pays for claims like repair bills for other people’s vehicles, medical services and emergency aid. How much liability should you purchase? That is a personal decision, but consider buying as much as you can afford.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as a tree branch falling on your vehicle, a broken windshield, falling objects, theft and hitting a deer. The maximum payout your car insurance company will pay is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Be Smart and Buy Smart

As you go through the steps to switch your coverage, make sure you don’t buy poor coverage just to save money. In many instances, drivers have reduced collision coverage and learned later that their decision to reduce coverage ended up costing them more. The aim is to purchase a proper amount of coverage at an affordable rate while not skimping on critical coverages.

Lower-priced 2007 Nissan 350Z insurance can be purchased both online and also from your neighborhood agents, and you should be comparing both to have the best chance of lowering rates. A few companies may not provide the ability to get a quote online and usually these small insurance companies provide coverage only through local independent agents.

More detailed car insurance information is available in these articles:

Use our FREE quote tool to compare rates now!

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