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2009 Nissan 350Z Insurance Rates

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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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UPDATED: Mar 4, 2020

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Searching for cheaper car insurance rates for your Nissan 350Z? No one likes having to buy car insurance, particularly when their premiums are through the roof.

Many auto insurance companies vie to insure your vehicles, so it’s not easy to compare every company to discover the definitive best rate

It’s a great practice to do rate comparisons before your policy renews because prices are usually higher with each renewal. Just because you had the lowest rates for 350Z coverage on your last policy there may be better deals available now. Forget anything you know (or think you know) about car insurance because we’re going to demonstrate how to use online quotes to save money, get proper deductibles and limits, all at the lowest rate.

How to reduce Nissan 350Z insurance rates

Insurance can be prohibitively expensive, but discounts can save money and there are some available that you may not know about. A few discounts will automatically apply at quote time, but some may not be applied and must be asked for before you get the savings.

  • Defensive Driving Course – Completing a defensive driving course could possibly earn you a 5% discount depending on where you live.
  • New Car Discount – Adding a new car to your policy can cost up to 25% less due to better safety requirements for new cars.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to use their safety belts could save 15% off the personal injury premium cost.
  • Accident Waiver – Some insurance companies will allow you to have one accident before your rates go up if your claims history is clear for a particular time prior to the accident.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes are safer to drive and will save you 10% or more.
  • Discount for Life Insurance – Companies who offer life insurance give better rates if you take out auto and life insurance together.
  • Safe Drivers – Drivers who don’t get into accidents may save up to 50% more for 350Z coverage than their less cautious counterparts.
  • Good Student – This discount can save 20 to 25%. This discount can apply well after school through age 25.
  • Driver’s Ed – Cut your cost by having your teen driver enroll in driver’s education in high school.
  • Passive Restraints – Vehicles with factory air bags or automatic seat belts can qualify for discounts of up to 25% or more.

As a disclaimer on discounts, some credits don’t apply the whole policy. A few only apply to the price of certain insurance coverages like collision or personal injury protection. So when it seems like you can get free auto insurance, companies wouldn’t make money that way. Any qualifying discounts will help reduce the cost of coverage.

To see a list of insurance companies with the best car insurance discounts, click here to view.

Tailor your coverage to you

When it comes to buying adequate coverage, there really is no perfect coverage plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. Here are some questions about coverages that may help highlight whether or not you could use an agent’s help.

  • Is my business laptop covered if it gets stolen from my vehicle?
  • Does my policy pay for OEM or aftermarket parts?
  • If I drive on a suspended license am I covered?
  • What is the minimum liability in my state?
  • What is the rate difference between pleasure use and commuting?
  • Why am I required to buy liability insurance?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of insurance companies in your area.

Misconceptions in insurance advertisements

Companies like State Farm and Allstate consistently run ads on television and other media. All the ads make the same claim of big savings if you change to their company. How does each company claim to save you money?

Different companies have a preferred profile for the type of driver that makes them money. For example, a preferred risk could be a mature driver, has no driving citations, and has excellent credit. A customer who meets those qualifications gets the lowest rates and most likely will save when they switch companies.

Drivers who are not a match for this ideal profile will be charged a higher premium which usually ends up with the customer not buying. The ads state “people who switch” not “people who quote” save that much. That’s the way companies can truthfully advertise the way they do.

That is why it is so important to get quotes from several different companies. It’s just too difficult to predict which insurance companies will fit your personal profile best.

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Educate yourself about insurance coverages

Learning about specific coverages of your policy aids in choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement. Listed below are the usual coverages found on the average insurance policy.

Comprehensive coverage

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like theft, hail damage, vandalism and hitting a bird. The most a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle when other motorists either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your 2009 Nissan 350Z.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Coverage for liability

This provides protection from 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, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Another option is a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against claims like medical expenses, repair bills for other people’s vehicles, structural damage and medical services. How much coverage you buy is your choice, but it’s cheap coverage so purchase higher limits if possible.

Collision coverage protection

This coverage covers damage to your 350Z resulting from a collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like crashing into a building, rolling your car and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Another option is to increase the deductible to bring the cost down.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses like ambulance fees, dental work, prosthetic devices and hospital visits. They can be used to fill the gap from your health insurance program or if you are not covered by health insurance. They cover all vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and may carry a deductible

A fool and his money are soon parted

We just presented a lot of tips how to save on 2009 Nissan 350Z insurance. It’s most important to understand that the more rate comparisons you have, the better your chances of lowering your rates. You may be surprised to find that the biggest savings come from a small mutual company. Smaller companies often have lower prices on specific markets compared to the large companies like Allstate or State Farm.

As you go through the steps to switch your coverage, never skimp on critical coverages to save a buck or two. Too many times, an accident victim reduced physical damage coverage only to regret at claim time that it was a big mistake. Your strategy should be to purchase a proper amount of coverage at an affordable rate.

More information

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