2015 Nissan GT-R Car Insurance Cost in 2024 – 8 Savings Tips

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 8, 2024

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Trying to find the cheapest insurance rates? Buyers have options when searching for low-cost Nissan GT-R insurance. They can either waste time struggling with agents to compare prices or leverage the internet to make rate comparisons. There is a better way to buy insurance so we’re going to tell you the best way to price shop coverage for a new or used Nissan and get the best price possible from local insurance agents and online providers.

It’s a great practice to check insurance prices before your policy renews because rates are adjusted regularly by insurance companies. Just because you had the best deal on GT-R coverage at your last renewal you can probably find a better price now. You can find a lot of misleading information regarding insurance online but in just a couple of minutes you can learn a bunch of ideas how to find cheap insurance.

Compare free auto insurance quotes

There are a lot of ways to shop for auto insurance, and some are less time-consuming than others. You can spend countless hours discussing policy coverages with local insurance agents in your area, or you could use the web to get pricing more quickly.

All the larger companies take part in a program that allows shoppers to only type in their quote data once, and every company can provide price quotes based on that information. This eliminates the need for quote requests to each company.

To fill out one form to compare multiple rates now enter your zip code here.

The one disadvantage to using this type of form is you don’t know exactly the companies to receive prices from. So if you want to select specific insurance companies for rate comparison, we put together a list of the cheapest auto insurance companies in your area. Click to enter zip code.

Whichever way you use, try to keep the exact same coverages and limits on every price quote you get. If the quotes have different values for each quote it will be very difficult to decipher which rate is best.

Cheaper insurance rates with discounts

Not many people think insurance is cheap, but there could be available discounts to reduce the price significantly. Many discounts should be triggered at quote time, but a few must be requested specifically prior to getting the savings. If you are not receiving all the discounts you qualify for, you are paying more than you should be.

  • E-sign – Some larger companies will give a small break for buying your policy digitally online.
  • Anti-lock Brake System – Vehicles that have steering control and anti-lock brakes are safer to drive and the ABS can save up to 10%.
  • Buy New and Save – Insuring a vehicle that is new can save you some money since newer vehicles have better safety ratings.
  • Discounts for Safe Drivers – Accident-free drivers may save up to 50% more on GT-R coverage than their less cautious counterparts.
  • Air Bag Discount – Vehicles equipped with air bags or motorized seat belts can get savings of up to 25% or more.
  • Club Memberships – Having an affiliation with qualifying clubs or civic groups is a good way to get lower rates on your next renewal.
  • Auto/Home Discount – If you have multiple policies and insure them with the same company you could earn a discount of up to 20% off your total premium.
  • Own a Home and Save – Owning a house can help you save on insurance because it is proof that your finances are in order.

One thing to note about discounts is that most of the big mark downs will not be given to the whole policy. Some only apply to the price of certain insurance coverages like comp or med pay. If you do the math and it seems like you could get a free insurance policy, that’s just not realistic. But all discounts will definitely lower the amount you pay for coverage.

Companies and a summarized list of policyholder discounts are included below.

  • Farm Bureau has savings for multi-vehicle, youthful driver, renewal discount, safe driver, and 55 and retired.
  • Liberty Mutual policyholders can earn discounts including hybrid vehicle, new vehicle discount, multi-car, teen driver discount, good student, safety features, and multi-policy.
  • State Farm may have discounts that include anti-theft, good driver, passive restraint, multiple policy, Steer Clear safe driver discount, student away at school, and good student.
  • Auto-Owners Insurance may offer discounts for anti-lock brakes, group or association, good student, paid in full, air bags, multi-policy, and safe vehicle.
  • GEICO discounts include air bags, driver training, daytime running lights, good student, emergency military deployment, and anti-theft.
  • SAFECO may include discounts for bundle discounts, anti-lock brakes, teen safety rewards, anti-theft, drive less, homeowner, and accident prevention training.

If you are trying to find the cheapest insurance quotes, ask each company or agent how you can save money. Some credits might not be offered in every state. For a list of insurance companies that offer discounts, enter your zip code here.

Tailor your insurance coverage to you

When it comes to buying proper insurance coverage for your vehicles, there really is no one size fits all plan. Every insured’s situation is different.

These are some specific questions may help you determine whether or not you could use an agent’s help.

  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Exactly who is provided coverage by my policy?
  • Can I drive in Mexico and have coverage?
  • Am I covered if I drive in a foreign country?
  • When would I need additional glass coverage?
  • Am I covered when pulling a rental trailer?
  • Is my camper covered by my car insurance policy?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you don’t have a local agent, complete your zip code. It’s fast, free and can help protect your family.

Misconceptions in insurance coverage advertisements

Consumers constantly see and hear ads for insurance coverage savings by companies like GEICO, State Farm and Progressive. They all make the same claim that drivers will save a bundle if you switch to their company.

How does every insurance coverage company sell you cheaper insurance coverage? You have to listen carefully.

Insurance companies have a certain “appetite” for the type of driver that will generate a profit. A good example of a profitable risk profile should be between 30 and 50, has had continuous coverage, and has a short commute. Any new insured who fits those characteristics will get a cheap rate quote as well as cut their rates substantially.

Potential customers who don’t qualify for the “perfect” profile will have to pay higher premium rates and ends up with the customer not purchasing. If you pay attention, the ads say “customers who switch” not “everyone who quotes” save that much when switching. That is how insurance companies can confidently lure you into getting a quote. This really illustrates why you really should do a price quote comparison at every renewal. Because you cannot predict with any certainty which company will provide the lowest rates.

Parts of your insurance policy

Knowing the specifics of your insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Comprehensive insurance

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like hail damage, fire damage and falling objects. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family as well as damage to your 2015 Nissan GT-R.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage kick in for expenses for surgery, dental work, nursing services, prosthetic devices and rehabilitation expenses. They are often used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Coverage applies to all vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Collision protection

This pays for damage to your GT-R caused by collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as hitting a parking meter, colliding with another moving vehicle, damaging your car on a curb, colliding with a tree and crashing into a ditch. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Liability coverage

This coverage provides protection from damages or injuries you inflict on other people or property by causing an accident. It protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

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

Liability can pay for claims such as repair costs for stationary objects, loss of income, emergency aid, funeral expenses and medical expenses. How much coverage you buy is a decision to put some thought into, but you should buy as much as you can afford.

At the end of the day…

When getting insurance quotes online, make sure you don’t reduce needed coverages to save money. Too many times, someone dropped liability limits or collision coverage to discover at claim time that their decision to reduce coverage ended up costing them more. The aim is to buy a smart amount of coverage at a price you can afford while still protecting your assets.

We just showed you a lot of ways to save on 2015 Nissan GT-R insurance. The key concept to understand is the more quotes you get, the better your chances of lowering your rates. You may even discover the lowest prices come from the least-expected company.

Budget-friendly insurance is available on the web as well as from insurance agents, and you need to comparison shop both in order to have the best chance of saving money. Some companies don’t offer online price quotes and many times these regional carriers only sell coverage through independent agents.

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