1993 Nissan 300ZX Insurance Cost

Searching for the cheapest car insurance rates for your Nissan 300ZX? Sick and tired of being strong-armed to buy car insurance? You are no different than most other car owners.

You have so many insurers to buy insurance from, and although it’s a good thing to have a choice, too many choices makes it more difficult to find the lowest cost provider.

You should make it a habit to shop coverage around on a regular basis because prices are rarely the same from one policy term to another. Just because you had the best deal for 300ZX coverage a couple years back you can probably find a better price now. So block out anything you think you know about car insurance because it’s time to teach you the fastest way to properly buy coverages and cut your premium.

Finding Auto Insurance Deals

The are a couple different ways to compare rate quotes and find the best price. The easiest way by far to find the cheapest 1993 Nissan 300ZX insurance rates is simply to get online rate quotes. This can be accomplished in several different ways.

  • One of the best ways consumers can analyze rates would be an industry-wide quote request form like this one (opens in new window). This form eliminates the need for separate quotation requests for each company you want a rate for. One quote request will get you price quotes instantly.
  • Another way to compare rate quotes is to take the time to go to the website of each company to request a price quote. For sake of this example, we’ll assume you want comparison quotes from Allstate, Safeco and State Farm. To get each rate you have to go to every website to enter your coverage information, and that’s why the first method is more popular.

    For a list of links to companies insuring cars in your area, click here.

  • The least efficient way of getting rate comparisons is driving to local insurance agencies. Buying insurance online makes this process obsolete unless you prefer the personal advice only provided by licensed agents. However, consumers can find lower rates online but buy from a local insurance agent. We’ll cover that shortly.

It’s your choice how you get your quotes, but make absolute certain that you use the exact same coverage limits and deductibles on every quote. If you compare different liability limits it will be very difficult to find the best deal for your Nissan 300ZX. Just a small difference in coverages may result in a large different in cost. Just remember that getting more free quotes gives you a better chance of getting lower pricing.

Misconceptions in auto insurance advertisements

21st Century, Allstate and State Farm consistently run ads on TV and radio. All the companies make an identical promise that you’ll save big if you change to their company. How can each company claim to save you money?

Different companies are able to cherry pick for the right customer that is profitable for them. An example of a desirable insured might be between 25 and 40, is a homeowner, and drives newer vehicles. A customer getting a price quote who fits that profile will get very good rates and therefore will cut their rates substantially.

Consumers who fall outside these standards must pay a higher premium and ends up with the customer not buying. The ads say “people who switch” not “everyone that quotes” save that much. That is how insurance companies can confidently make those claims. This illustrates why drivers should get as many quotes as possible. It’s just too difficult to predict which insurance companies will fit your personal profile best.

Cut your auto insurance rates with discounts

Car insurance companies don’t always advertise all available discounts in a way that’s easy to find, so we break down some of the best known and the more hidden auto insurance savings.

  • Homeowners Discount – Being a homeowner can save you money because owning a home is proof that your finances are in order.
  • Accident Forgiveness – A few companies permit an accident before your rates go up so long as you haven’t had any claims for a certain period of time.
  • Safety Course Discount – Successfully completing a defensive driving course can save you 5% or more if your company offers it.
  • Club Memberships – Participating in a qualifying organization could trigger savings on your policy for 300ZX coverage.
  • Student Driver Training – Cut your cost by having your teen driver take driver’s ed class if it’s offered in school.
  • E-sign – Certain companies give back up to $50 simply for signing over the internet.
  • Good Student Discount – This discount can be rewarded with saving of up to 25%. The discount lasts well after school through age 25.
  • Multiple Policy Discount – When you have multiple policies with one insurance company you may save up to 20% off your total premium.

Drivers should understand that some credits don’t apply to your bottom line cost. A few only apply to specific coverage prices like liability and collision coverage. So when it seems like all those discounts means the company will pay you, companies don’t profit that way.

Car insurance companies that possibly offer some of the above discounts may include but are not limited to:

Double check with each insurance company which discounts they offer. Savings may not be available in every state.

You are unique and your auto insurance should be too

When it comes to buying the right insurance coverage, there is no one size fits all plan. Every insured’s situation is different so your insurance needs to address that. Here are some questions about coverages that could help you determine if your situation will benefit from professional help.

  • Am I covered if I crash into my own garage door?
  • How high should my medical payments coverage be?
  • When can I cancel my policy?
  • Is there coverage for injuries to my pets?
  • Is my teenager covered with friends in the car?
  • Can I afford low physical damage deductibles?
  • Is a fancy paint job covered?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area.

Coverages available on your car insurance policy

Learning about specific coverages of your policy can be of help when determining the right coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Listed below are the usual coverages offered by car insurance companies.

Comprehensive protection

This coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as vandalism, fire damage and hail damage. The maximum amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured or underinsured coverage

This protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Auto liability insurance

Liability coverage will cover damage or injury you incur to other’s property or people that is your fault. It protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 50/100/50 which stand for a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers claims like medical services, loss of income, emergency aid, funeral expenses and legal defense fees. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Collision insurance

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

Collision can pay for things like scraping a guard rail, colliding with another moving vehicle and hitting a mailbox. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Medical expense coverage

Med pay and PIP coverage provide coverage for bills for funeral costs, hospital visits, ambulance fees and nursing services. They are utilized in addition to your health insurance plan or if there is no health insurance coverage. Coverage applies to you and your occupants as well as if you are hit as a while walking down the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Smart shoppers get results

The cheapest 1993 Nissan 300ZX insurance is available from both online companies in addition to many insurance agents, so compare prices from both in order to have the best price selection to choose from. Some insurance providers do not provide online quoting and these smaller companies work with independent agents.

As you restructure your insurance plan, don’t be tempted to skimp on critical coverages to save a buck or two. There are a lot of situations where someone dropped liability limits or collision coverage and found out when filing a claim they didn’t purchase enough coverage. The aim is to buy enough coverage at the best price while still protecting your assets.

Even more information can be read at these sites: