There are a lot of factors that contribute to the amount of money a driver pays for insurance. When you choose a Nissan 370Z, you may pay higher rates than the average Toyota Camry driver. This has to do with the car's value and safety ratings. To get the lowest rates, it's crucial to shop around and contact multiple insurers. This process can be time-consuming and tedious, though.
Consulting an independent insurance agent allows you to get multiple quotes from different insurance companies as well as recommendations specific to your situation. You'll get the help you need building a great insurance package for your 370Z with a single point of contact. An independent agent can help you get car insurance personalized for you and your Nissan 370Z. You can locate an independent insurance agent in your area today.
What Auto Insurance Policies Do You Need for Your Nissan 370Z?
Bodily injury liability
Bodily injury liability coverage pays for the cost of medical care and recovery for the other party if you cause an accident and there are injuries. In many states, you must carry a minimum amount of this type of coverage.
Property damage liability
Property damage liability is also required by law in many areas of the country. This policy pays for damages to someone else's property that happen as the result of an accident you caused.
Medical payments/personal injury protection
You may or may not be required to carry personal injury protection or Medical Payments insurance. Your agent can discuss the pros and cons of this coverage and help you stay in compliance with local laws. If you are in an accident, this coverage pays for costs of physical recovery for you and your passengers, no matter who is at fault.
Uninsured motorist coverage
Not every driver has insurance coverage. Even if it's legally mandated, many people choose to skip liability insurance. Uninsured and underinsured motorist coverage offers a layer of financial protection if you are in an accident that is the fault of an uninsured driver.
Collision insurance coverage pays to repair or replace your Nissan if you are in an accident with another car. Talk with your agent about whether it makes sense to buy this coverage. If you have a loan or lease, your lender may require you to carry collision insurance coverage on your 370Z.
If you are in an accident caused by a falling object, you hit an animal in the road, or are a victim of vandalism or auto theft, you'll need comprehensive insurance coverage to get your repair bill paid for or your car replaced. This coverage may also be required by your lender.
Glass coverage is an inexpensive add-on policy that can save you from having to pay out-of-pocket for windshield replacement.
Drivers who owe more on their car than it's worth need gap insurance to make sure they can pay off their loan or lease in full if they are in an accident that results in a total loss of their vehicle. If you have a loan or lease, you may already have gap coverage. Your agent can help you figure out what policy you have and whether you need to add gap insurance.
What Affects the Cost of Insurance for Your Nissan 370Z?
Annual mileage: If you drive more than the average of 10,000 to 15,000 miles yearly, expect to pay slightly higher premiums for auto insurance on your Nissan.
Your driving record: With a clean driving record, you'll pay a lower insurance rate than drivers with at-fault accidents or moving violations.
The value of your vehicle: Nissan 370Z prices in 2020 started at around $30,090. That's about average for this class of vehicle. Higher trim levels could bump the price up to more than $45,000, which could contribute to higher insurance premiums.
Average Nissan 370Z Insurance Costs
The average 40-year-old driver of a Nissan 370Z with full coverage and a $500 deductible pays $1,712 annually for full coverage auto insurance, including collision and comprehensive coverage. Liability-only insurance rates drop to just $494 per year on average. New drivers who are 16 years old pay average rates of $6,310 per year. Your rates may vary greatly from averages for drivers across the country. Your agent is an expert in auto insurance and can help you figure out how to lower your premiums without sacrificing essential coverage.
The Safety of Your Nissan 370Z
Driving a car with excellent safety ratings and a good set of standard safety features is a smart way to get lower insurance rates. The Nissan 370Z has many important safety features:
- Anti-lock brakes (ABS)
- Stability control
- Front-impact airbags
The National Highway Traffic Safety Administration has not rated the 2019 or 2020 Nissan 370Z.
How Location Affects Your Nissan 370Z Insurance
Because your location has a huge effect on your car insurance premiums, it's crucial to get a personalized quote from your agent. Here's how average Nissan 370Z full coverage insurance rates for a 40-year-old driver with a good driving record and a $500 deductible vary from one place to the next:
|Rural Areas:||Small Cities:||Large Cities:|
Additional Factors That Affect Your Nissan 370Z Insurance Premiums
- Safety features like anti-theft devices
Average Cost to Insure a Nissan 370Z
|Average annual cost to insure a Nissan 370Z with full coverage:||$1,332|
|Top 3 most expensive states for Nissan 370Z insurance:|
|Michigan, New York, and Louisiana||$2,440|
|Top 3 most affordable states for Nissan 370Z insurance:|
|Missouri, New Hampshire, and Vermont||$1,310|
Top Independent Insurance Carriers That Insure the Nissan 370Z
According to a recent US Independent Insurance Agent Satisfaction Study by JD Power, the following companies provide excellent service to their insurance customers:
- Auto-Owners Insurance
Get a Nissan 370Z Quote
Your independent insurance agent can help you get the lowest possible rates on insurance for your Nissan 370Z. Get in touch with an agent right away with the TrustedChoice.com find-an-agent tool. Find an independent insurance agent today to get started.
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IIHS, Consumer Reports, Quote Inspector, iii.org, JD Power, Car and Driver