2015 Nissan GT-R Car Insurance Rates – 9 Discounts for Cheapest Quotes

Have you finally had enough of scraping nickels together to insure your Nissan every month? Your situation is no different than most other drivers.

Drivers have multiple insurance companies to pick from, and even though it’s nice to have a selection, more options can take longer to find the best rates for your vehicles.

Smart consumers take time to get comparison quotes periodically because insurance prices are usually higher with each renewal. Even if you got the lowest price for GT-R coverage last year the chances are good that you can find a lower rate quote today. Forget all the misinformation about auto insurance because you’re about to find out one of the easiest ways to reduce your cost while improving coverage.

Don’t miss these nine discounts

Some providers do not advertise all available discounts in a way that’s easy to find, so the next list breaks down some of the more common as well as the least known credits that may apply to you.

• ABS Brakes – Cars and trucks equipped with ABS or steering control are safer to drive so companies give up to a 10% discount.
• Sign Early and Save – Some larger companies provide a discount for switching to them early. You may see this discount when you get insurance quotes online.
• College Student – Children who are enrolled in a college that is more than 100 miles from home without a vehicle on campus could qualify for this discount.
• New Vehicle Savings – Putting coverage on a new car can get you a discount since new vehicles have better safety ratings.
• Auto/Life Discount – Companies who offer life insurance give a small discount if you purchase life insurance from them.
• Safety Course Discount – Passing a safe driver course could save 5% or more and also improve your driving technique.
• Telematics Data Discounts – Drivers who elect to allow driving data submission to analyze driving patterns by using a telematics device in their vehicle such as State Farm’s In-Drive may see discounts as long as they are good drivers.
• Online Discount – Many insurance companies will provide an incentive for buying a policy and signing up online.
• Own a Home and Save – Just owning your own home can save you money since home ownership means you have a higher level of financial diligence.

You should keep in mind that some of the credits will not apply to the overall cost of the policy. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. So even though it sounds like you would end up receiving a 100% discount, it just doesn’t work that way. But any discount should definitely cut the amount you have to pay.

The best car insurance companies and some of the discounts include:

• State Farm policyholders can earn discounts including multiple autos, multiple policy, defensive driving training, Steer Clear safe driver discount, and safe vehicle.
• Nationwide offers discounts for accident-free, family plan, multi-policy, easy pay, defensive driving, and good student.
• Geico offers premium reductions for daytime running lights, air bags, defensive driver, five-year accident-free, and emergency military deployment.
• AAA has discounts for good student, multi-policy, good driver, pay-in-full, and education and occupation.
• 21st Century may include discounts for driver training, student driver, defensive driver, automatic seat belts, air bags, and early bird.
• The Hartford may have discounts that include defensive driver, driver training, vehicle fuel type, air bag, and anti-theft.

If you need cheaper insurance quotes, ask all the companies which discounts you qualify for. Discounts might not apply in your area. To locate insurers with the best discounts, click here.

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Cheapest auto insurance price quotes

Effectively comparing auto insurance prices can be challenging if you don’t utilize the fastest way to get free quotes. You could waste time talking about coverages with insurance agencies in your area, or you can utilize the internet for quick rates.

Most of the larger companies are enrolled in a marketplace where insurance shoppers enter their coverage request one time, and each company returns a rated price based on that information. This eliminates the need for form submissions to each individual auto insurance company. To find out how much you can save on auto insurance click here to start a free quote.

The single downside to comparing rates this way is you don’t know exactly the providers you will receive quotes from. If you prefer to choose specific providers to receive pricing from, we have a page of companies who write auto insurance in your area. Click to view list.

Which method you use is up to you, but do your best to enter identical information on every quote. If each company quotes different limits and deductibles on each one it’s not possible to make a fair comparison for your Nissan GT-R. Just slight variations in insurance coverages may cause a big price difference. It’s important to know that comparing all the rates in your area helps improve the odds of finding a better price.

Special considerations

When it comes to choosing the right insurance coverage for your vehicles, there really is no best way to insure your cars. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. These are some specific questions can aid in determining if your insurance needs would benefit from an agent’s advice.

• Should I put collision coverage on all my vehicles?
• What discounts do I qualify for?
• Which is better, split liability limits or combined limits?
• Am I insured when driving a different vehicle?
• How do I buy GAP insurance?
• How high should my uninsured/underinsured coverage be in my state?
• Will I be non-renewed for getting a DUI or other conviction?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of auto insurance companies in your area.

Insurance coverages explained

Learning about specific coverages of a insurance policy helps when choosing appropriate coverage for your vehicles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Below you’ll find typical coverage types found on the average insurance policy.

Medical costs insurance – Coverage for medical payments and/or PIP pay for immediate expenses like nursing services, prosthetic devices and rehabilitation expenses. The coverages can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. It covers all vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Liability – Liability coverage protects you from injuries or damage you cause to people or other property by causing an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Occasionally you may see a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability coverage protects against claims such as structural damage, repair bills for other people’s vehicles, pain and suffering, emergency aid and court costs. How much liability coverage do you need? That is up to you, but you should buy as much as you can afford.

Collision coverages – Collision insurance will pay to fix damage to your GT-R resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims such as damaging your car on a curb, colliding with another moving vehicle, rolling your car and crashing into a building. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

UM/UIM Coverage – This coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your Nissan GT-R.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive or Other Than Collision – Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as vandalism, rock chips in glass, hail damage, fire damage and falling objects. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

More comparisons equals lower rates

We covered many tips how you can lower your 2015 Nissan GT-R insurance prices. The key thing to remember is the more companies you get rates for, the better likelihood of getting cheaper insurance. You may even discover the best prices are with some of the lesser-known companies. Some small companies often have lower rates on specific markets than the large multi-state companies such as Progressive and Geico.

Cheaper 2015 Nissan GT-R insurance is available both online and from local agencies, and you should be comparing both to have the best chance of lowering rates. A few companies do not offer rate quotes online and these smaller companies sell through independent agencies.

More tips and info about car insurance can be read in these articles:

• Tread Depth and Tire Safety (State Farm)
• Protecting Teens from Drunk Driving (Insurance Information Insitute)
• Booster Seat Ratings (iihs.org)
• What is a Telematics Device? (Allstate)
• Medical Payments Coverage (Liberty Mutual)
• Think You’re a Safe Driver? (State Farm)

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption