1995 Nissan 300ZX Insurance Rates – 10 Tips to Save

Looking for the cheapest insurance rates for your Nissan 300ZX? Finding the cheapest insurance for a new or used Nissan 300ZX can turn out to be a lot of work, but you can learn these tips and make it easy. There are both good and bad ways to buy insurance and we’ll show you the proper way to price shop coverage for a Nissan and locate the lowest possible price either online or from local insurance agents.

Compare free car insurance price quotes

Reducing your 1995 Nissan 300ZX insurance rates is actually quite simple. The only thing you need to do is spend a few minutes on the computer to compare rate quotes to discover which company has cheap insurance coverage quotes. It is quite easy and can be accomplished using a couple different methods.

1. Experts agree that the best way to get the best comparison quotes would be an industry-wide quote request form like this one (opens in new window). This style of form prevents you from having to do a different quote for each price estimate. Just one form gets prices estimates direct from many companies. Recommended for those who want to invest the least amount of time.
2. A different way to find more affordable insurance consists of visiting the website for every company you want to comare and repeat the quote process again and again. For sake of this example, let’s say you want to view quotes from Auto-Owners, Progressive and Farmers. In order to compare rates, you need to visit each site to enter your coverage information, which is not fast way to get rate quotes.

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

3. If you have time to kill, the last way to find lower rates is driving to insurance agents’ offices. Shopping for car insurance online eliminates the middleman unless you have a complicated situation and need the trained guidance that can only be provided by a licensed insurance agent. It is possible to find lower rates online and still use a local agent.

Which method you use is up to you, but be sure you’re using the exact same coverages and limits on every quote you get. If you compare different data it will be very difficult to make a fair comparison for your Nissan 300ZX.

Insurance coverage quotes and discounts

Insurance coverage is not inexpensive, but there may be some discounts that can help lower your rates. Certain credits will be shown at the time of purchase, but some must be specially asked for before being credited.

• Membership in Organizations – Having an affiliation with qualifying employment or professional organizations may earn a discount on your policy.
• Multi-line Discount – Not all insurance companies offer life insurance, but some may give you a lower insurance coverage rate if you buy a life insurance policy as well.
• Discount for Passive Restraints – Options like air bags and/or automatic seat belt systems may qualify for discounts of 20 to 30 percent.
• Discounts for Safe Drivers – Drivers without accidents may receive a discount up to 45% on 300ZX insurance as compared to drivers with claims.
• ABS and Traction Control Discounts – Cars with ABS braking systems or traction control are safer to drive so you can save 10 percent or more.
• Resident Student – Children living away from home attending college and do not take a car to college can receive lower rates.
• Waiver for an Accident – but companies like Allstate and Progressive may permit one accident without the usual rate increase as long as you don’t have any claims prior to the accident.
• Full Payment Discount – By paying your entire bill at once rather than spreading payments over time you may have a lower total premium amount.
• Home Ownership Discount – Owning your own home or condo can save you money because of the fact that having a home demonstrates responsibility.
• Defensive Driver – Participating in a defensive driver course could save 5% or more and also improve your driving technique.

While discounts sound great, it’s important to understand that some credits don’t apply to your bottom line cost. Most only cut individual premiums such as comp or med pay. So even though it sounds like you would end up receiving a 100% discount, company stockholders wouldn’t be very happy. But all discounts will definitely reduce the amount you have to pay.

Insurance companies that may have these discounts include:

• State Farm
• Geico
• Progressive
• 21st Century
• American Family
• The Hartford
• AAA

If you need cheaper insurance coverage quotes, ask every company how you can save money. Depending on the company, some discounts may not be offered in your area. If you would like to see a list of insurance coverage companies with the best insurance coverage discounts, click here to view.

Situations that may require an agent’s advice

When it comes to buying coverage for your personal vehicles, there is no perfect coverage plan. Everyone’s needs are different.

For example, these questions may help highlight whether or not you might need professional guidance.

• What is medical payments coverage?
• Am I covered if I hit my neighbor’s mailbox?
• Should I buy more coverage than the required minimum liability coverage?
• Should I have a commercial auto policy?
• When should I remove comp and collision on my 1995 Nissan 300ZX?
• Who is covered by my policy?

If you’re not sure about those questions but you know they apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, free and can provide invaluable advice.

Car insurance coverage information

Having a good grasp of insurance helps when choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

Comprehensive coverage

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like hail damage, damage from flooding, falling objects, a tree branch falling on your vehicle and hitting a bird. The maximum payout you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability insurance

This will cover damage that occurs to other’s property or people in an accident. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability coverage protects against things like court costs, emergency aid and repair bills for other people’s vehicles. How much liability coverage do you need? That is your choice, but buy as large an amount as possible.

Coverage for collisions

This pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things such as driving through your garage door, hitting a parking meter, crashing into a ditch and hitting a mailbox. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. You can also bump up the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist coverage

This coverage gives you protection when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your 1995 Nissan 300ZX.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for things like prosthetic devices, nursing services and funeral costs. They are often used in conjunction with a health insurance program or if there is no health insurance coverage. Coverage applies to all vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage