Compare Nissan 370Z Insurance Quotes in Jacksonville

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Insurance rates Nissan 370Z in JacksonvillePricey Nissan 370Z insurance in Jacksonville can dwindle your family's budget and put the squeeze on your family's finances. Comparing price quotes is a smart way to reduce premiums and put more money in your pocket.

It's a fact that car insurance companies don't want their policyholders to compare prices. People who shop around will presumably move their business because of the good chance of getting low-cost coverage. A recent study showed that people who regularly compared price quotes saved $3,400 over four years as compared to drivers who didn't regularly shop around.

If finding budget-friendly insurance is the reason you're here, learning the best way to shop and compare insurance can make it simple to find affordable coverage.

Steps to finding cheaper Nissan 370Z insurance in Jacksonville

The best way to find cheaper prices for Nissan 370Z insurance in Jacksonville is to start comparing prices regularly from insurers in Florida. You can compare prices by following these guidelines.

First, spend a few minutes and learn about how insurance companies determine prices and the modifications you can make to prevent high rates. Many risk factors that cause high rates such as high-risk driving behaviors and your credit history can be rectified by paying attention to minor details.

Second, quote rates from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can give quotes from a single company like GEICO or State Farm, while agents who are independent can provide prices for many different companies. View a list of agents

Third, compare the price quotes to the price on your current policy and determine if there is any savings. If you find a better price, make sure there is no lapse between the expiration of your current policy and the new one.

Fourth, provide adequate notice to your current company of your intention to cancel your current car insurance policy. Submit the application along with any required down payment to your new carrier. Make sure you keep your new certificate of insurance somewhere easily accessible.

One important bit of advice is to make sure you enter the same coverage limits and deductibles on each quote and and to get quotes from as many different insurance providers as possible. This guarantees a fair rate comparison and the best price selection.

Insurance companies such as State Farm, Progressive and GEICO promote their brand names with ad campaigns and it is challenging if not impossible to avoid their marketing magic and find the best price available.

If you have coverage now or want to find a cheaper company, you can use this information to reduce the price you pay without having to cut coverage. Choosing the best insurance company for you in Jacksonville is not that difficult as long as you know where to start. Drivers just have to know the best way to compare different rates online.

These discounts can lower your car insurance rates

Car insurance is not an enjoyable expense, but you may qualify for discounts that many consumers don't even know exist. Most are applied when you purchase, but a few must be asked for prior to receiving the credit.

  • Theft Prevention Discount - Vehicles equipped with anti-theft or alarm systems help deter theft so companies will give you a small discount.
  • Government Employees - Active or former government employment could cut as much as 10% off depending on your car insurance provider.
  • Pay Now and Pay Less - If you can afford to pay the entire bill rather than spreading payments over time you can actually save on your bill.
  • Anti-lock Brake System - Vehicles with ABS and/or traction control can reduce accidents and will save you 10% or more on 370Z insurance in Jacksonville.
  • Passive Restraints and Air Bags - Cars that have air bags may earn rate discounts of more than 20%.

Please keep in mind that many deductions do not apply to the whole policy. The majority will only reduce individual premiums such as physical damage coverage or medical payments. So when the math indicates adding up those discounts means a free policy, it doesn't quite work that way.

The example below compares Nissan 370Z annual premium costs with and without discounts applied to the rates. The premium estimates are based on a male driver, no claims, a clean driving record, Florida state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, safe-driver, claim-free, homeowner, and multi-car discounts applied.

A few popular companies and a selection of discounts can be found below.

  • State Farm offers discounts for good student, driver's education, safe vehicle, student away at school, passive restraint, and defensive driving training.
  • Nationwide has savings for anti-theft, family plan, multi-policy, business or organization, accident-free, Farm Bureau membership, and easy pay.
  • GEICO offers premium reductions for defensive driver, multi-vehicle, anti-lock brakes, seat belt use, anti-theft, driver training, and multi-policy.
  • AAA has discounts for multi-car, good driver, education and occupation, anti-theft, and good student.
  • 21st Century may have discounts that include early bird, defensive driver, homeowners, good student, automatic seat belts, student driver, and 55 and older.
  • The Hartford policyholders can earn discounts including bundle, air bag, driver training, anti-theft, defensive driver, vehicle fuel type, and good student.

Before you buy a policy, ask each insurance company how many discounts you can get. Discounts may not apply in Jacksonville.

The majority of larger companies such as State Farm, GEICO and Progressive allow you to get pricing online. The process doesn't take a lot of time because you just enter your personal and coverage information into the quote form. After the form is submitted, the quote system pulls credit information and your driving record and provides a quote based on the information you submitted. Getting online rate quotes for Nissan 370Z insurance in Jacksonville makes it simple to compare prices and it's necessary to perform this step in order to get the lowest payment possible.

To find out if lower rates are available, visit the companies below or click here to submit a quote request to multiple companies at once. If you have coverage now, it's recommended you type in deductibles and limits identical to your current policy. This ensures you will get a rate comparison based on similar coverages.

The auto insurance companies shown below can provide price comparisons in Florida. If the list has multiple companies, we suggest you visit two to three different companies to get the best price comparison.

Rates and data analysis

The information below showcases detailed analysis of insurance coverage prices for Nissan 370Z models. Knowing how insurance policy rates are determined can assist in making smart choices when choosing a car insurance company.

Nissan 370Z Insurance Rates in Jacksonville, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
370Z 2-Dr Coupe $328 $730 $636 $38 $190 $1,922 $160
370Z 2-Dr Roadster $366 $730 $564 $34 $168 $1,862 $155
370Z Touring 2-Dr Coupe $366 $826 $636 $38 $190 $2,056 $171
370Z Touring 2-Dr Roadster $366 $730 $564 $34 $168 $1,862 $155
370Z Nismo 2-Dr Coupe $366 $922 $636 $38 $190 $2,152 $179
Get Your Own Custom Quote Go

Above prices assume single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Premium costs do not factor in your specific Jacksonville location which can increase or decrease price quotes considerably.

How high should deductibles be?

One of the hardest decisions when shopping for car insurance is how low should you set your deductibles. The following insurance rates illustrate the costs and benefits when you buy lower versus higher physical damage deductibles. The first set of rates uses a $100 physical damage coverage deductible and the second data table uses a $500 deductible.

Nissan 370Z insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
370Z 2-Dr Coupe $406 $880 $472 $28 $142 $1,953 $163
370Z 2-Dr Roadster $452 $880 $418 $24 $124 $1,923 $160
370Z Touring 2-Dr Coupe $452 $994 $472 $28 $142 $2,113 $176
370Z Touring 2-Dr Roadster $452 $880 $418 $24 $124 $1,923 $160
370Z Nismo 2-Dr Coupe $452 $1110 $472 $28 $142 $2,229 $186
Get Your Own Custom Quote Go
Nissan 370Z insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
370Z 2-Dr Coupe $296 $594 $472 $28 $142 $1,532 $128
370Z 2-Dr Roadster $330 $594 $418 $24 $124 $1,490 $124
370Z Touring 2-Dr Coupe $330 $672 $472 $28 $142 $1,644 $137
370Z Touring 2-Dr Roadster $330 $594 $418 $24 $124 $1,490 $124
370Z Nismo 2-Dr Coupe $330 $750 $472 $28 $142 $1,722 $144
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Prices do not factor in your specific Jacksonville location which can revise prices considerably.

Using the premium rates above, we can conclude that using a $100 deductible costs about $38 more each month or $456 a year than quoting the higher $500 deductible. Because you would be required to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you usually have more than 11 months between claim filings, you would probably save some money if you decide on a higher deductible.

How to calculate deductible break even period

Average monthly premium for $100 deductibles: $169
Average monthly premium for $500 deductibles (subtract): - $131
Monthly savings from raising deductible: $38
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $38
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 11 months

An important sidenote is that a higher deductible means you will have to pay more when you have to file a claim. You need to have some non-essential savings in the event you need to pay the deductible to have repairs made.

Does full coverage make sense?

The chart below shows the comparison of Nissan 370Z insurance rates with full physical damage coverage compared to only buying liability only. The premium estimates are based on a clean driving record, no claims, $250 deductibles, single marital status, and no discounts are applied.

Should you be buying full coverage?

There is no set rule to exclude comp and collision coverage, but there is a general guideline. If the yearly cost of full coverage is 10% or more of the settlement you would receive from your company, then you might want to think about dropping full coverage.

For example, let's say your Nissan 370Z book value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $8,000 after the deductible is paid. If you are currently paying more than $800 a year for full coverage, then you might consider buying liability only.

There are a few cases where buying only liability insurance is not financially feasible. If you still owe a portion of the original loan, you are required to maintain full coverage to protect the lienholder's interest in the vehicle. Also, if you don't have enough money to buy a different vehicle if your current one is damaged, you should not remove full coverage.

Learn How to Lower Your Insurance Costs

Part of the car insurance buying process is learning the rating factors that are used to determine car insurance rates. If you have some idea of what determines premiums, this allows you to make educated decisions that could result in better car insurance rates. Multiple criteria are used when pricing auto insurance. Some are obvious like your driving record, but other criteria are not quite as obvious like your continuous coverage or how safe your car is.

Vehicle options that cut premiums - Purchasing a vehicle with a theft deterrent system can help lower your premiums. Anti-theft features like LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system can thwart car theft.

Liability protection preserves assets - Liability insurance is the coverage that protects you if you are ruled to be at fault for damages caused by your negligence. Your liability coverage provides for a legal defense starting from day one. It is affordable coverage compared to insuring for physical damage coverage, so do not skimp.

Add-on coverages that aren't used - There are a lot of additional extra coverages that may not really be needed but may not be useful. Coverages for rental car reimbursement, accidental death, and Farm Bureau memberships may be costing you every month. These may sound like a good investment when you first buy your policy, but if they're wasting money eliminate the coverages to reduce your premium.

Premiums impacted by your city - Residing in a rural area is a good thing when buying car insurance. Urban drivers have congested traffic and a longer drive to work. Fewer people means fewer accidents.

Nissan 370Z insurance loss statistics - Companies include the past claim history for a vehicle to determine a price that will be profitable for them. Models that have higher frequency or amount of claims will have higher rates.

The table below shows the actual insurance loss data for Nissan 370Z vehicles. For each coverage type, the loss probability for all vehicles compiled together is set at 100. Percentages below 100 indicate better than average losses, while numbers above 100 show a trend for more claims or an increased chance of a larger loss.

Nissan 370Z Insurance Claim Statistics
Specific Nissan Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Nissan 370Z 2dr 164 88 132 91 88
Nissan 370Z Convertible 129 73
BETTER
AVERAGE
WORSE

Empty fields indicate not enough data collected
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Local Jacksonville auto insurance agents and car insurance

Some people still prefer to talk to a local agent and that is OK! Professional agents will help you protect your assets and help submit paperwork. One of the benefits of comparing rates online is the fact that you can find lower rates and still have a local agent.

Insurance agency in JacksonvilleTo find an agent, once you fill out this simple form, your insurance coverage information is submitted to companies in Jacksonville who will return price quotes for your car insurance coverage. You won't even need to contact any insurance agencies due to the fact that quote results will go to you directly. If you want to quote rates for a specific company, you can always search and find their rate quote page to submit a rate quote request.

Finding the right provider needs to be determined by more than just the bottom line cost. These are valid questions to ask:

  • Does the company allow you to choose your own collision repair facility?
  • If they are an independent agency in Jacksonville, which companies do they recommend?
  • Do you have coverage for a rental car if your vehicle is in the repair shop?
  • What will you get paid if your car is a total loss? How is that amount determined?
  • Will you work with the agent or an assistant?
  • Are they involved in claim handling?

Compare rates from both independent and exclusive car insurance agents

If you want to use a reputable agency, it helps to know the two different types of agencies and how they work. Car insurance policy providers can be described as either exclusive agents or independent agents. Either type can provide car insurance policies, but it's worth learning the difference in how they write coverage because it can influence which agent you choose.

Exclusive Car Insurance Agencies

Agents that choose to be exclusive can only provide one company's prices and some examples include State Farm, AAA, Farmers Insurance or Allstate. These agents are unable to give you multiple price quotes so always compare other rates. Exclusive agents are well schooled on what they offer which can be an advantage.

The following is a short list of exclusive agents in Jacksonville that are able to give price quotes.

Chris Nickas - State Farm Insurance Agent
9542 Argyle Forest Blvd #12 - Jacksonville, FL 32222 - (904) 854-4700 - View Map


3450 Dunn Ave Ste 104 - Jacksonville, FL 32218 - (904) 765-2919 - View Map


10920 Baymeadows Rd #7 - Jacksonville, FL 32256 - (904) 777-6888 - View Map

More insurance agents

Independent Insurance Agents

Agents that choose to be independent are not restricted to one company and that enables them to quote your coverage through many different car insurance companies and potentially find a lower price. If you are not satisfied with one company, an independent agent can move your coverage and you don't have to switch agencies. When comparing car insurance prices, it's recommended you include price quotes from several independent insurance agents in order to have the best price comparison.

Listed below is a list of independent insurance agencies in Jacksonville who can help you get price quotes.

Contemporary Affordable Insurance Agency
212 E Forsyth St - Jacksonville, FL 32202 - (904) 350-0014 - View Map


6715 Wilson Blvd - Jacksonville, FL 32210 - (904) 677-0441 - View Map


10695 Beach Blvd #1 - Jacksonville, FL 32246 - (904) 329-7950 - View Map

More insurance agents

Three good reasons to insure your 370Z

Despite the fact that car insurance is not cheap in Jacksonville, insuring your vehicle may not be optional for several reasons.

  • Most states have mandatory liability insurance requirements which means you are required to buy specific minimum amounts of liability in order to license the vehicle. In Florida these limits are 10/20/10 which means you must have $10,000 of bodily injury coverage per person, $20,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
  • If you have a lien on your Nissan 370Z, most banks will make it mandatory that you have insurance to guarantee their interest in the vehicle. If coverage lapses or is canceled, the bank may buy a policy for your Nissan at a much higher premium rate and require you to pay for the much more expensive policy.
  • Car insurance preserves not only your vehicle but also your assets. It will also cover medical bills for both you and anyone you injure as the result of an accident. One policy coverage, liability insurance, will also pay to defend you if you are named as a defendant in an auto accident. If your Nissan gets damaged, your car insurance policy will pay to have it repaired.

The benefits of having car insurance definitely exceed the cost, especially with large liability claims. According to a 2015 survey, the average American driver is overpaying over $820 a year so smart consumers compare quotes at every policy renewal to save money.

Compare. Compare. Compare.

When shopping online for car insurance, you should never skimp on critical coverages to save a buck or two. There are many occasions where drivers have reduced collision coverage only to regret that the few dollars in savings costed them thousands. The goal is to purchase a proper amount of coverage for the lowest cost while not skimping on critical coverages.

Lower-priced car insurance in Jacksonville can be found on the web in addition to local insurance agencies, so you should compare both to have the best chance of lowering rates. Some car insurance companies do not offer internet price quotes and usually these small, regional companies provide coverage only through independent agents.

We just showed you many tips how you can get a better price on Nissan 370Z insurance in Jacksonville. It's most important to understand that the more quotes you get, the better chance you'll have of finding inexpensive Jacksonville auto insurance quotes. Drivers may even discover the lowest priced car insurance comes from a smaller regional carrier. Regional companies may have significantly lower premium rates on certain market segments as compared to the big name companies such as Allstate, GEICO and Progressive.

How to find cheaper Nissan 370Z insurance in Jacksonville

If saving the most money is your goal, then the best way to find low-cost prices for Nissan 370Z insurance is to make a habit of regularly comparing prices from insurance carriers in Jacksonville.

  1. Get an understanding of what coverages are included in your policy and the steps you can take to prevent rate increases. Many rating criteria that drive up the price like traffic citations, accidents, and a negative credit rating can be amended by making minor changes to your lifestyle.
  2. Request rate estimates from direct, independent, and exclusive agents. Exclusive agents and direct companies can only provide price estimates from a single company like GEICO or State Farm, while independent agents can provide prices from multiple insurance companies.
  3. Compare the new rate quotes to your existing coverage and see if you can save money. If you can save some money and make a switch, make sure coverage is continuous and does not lapse.

One thing to remember is that you use similar deductibles and liability limits on each quote and and to get price quotes from as many companies as you can. This ensures a fair rate comparison and and a good selection of different prices.

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