How to Find Affordable Insurance for your Nissan GT-R
If searching for lower car insurance rates was a good time, we'd have no problem finding the best rate. But more than likely, it's challenging for most people and we always end up paying more than we want. You probably feel the same way when trying to find cheaper coverage for your Nissan GT-R.
Step One: Compare Rates from Multiple Companies
Up until about ten years ago, the only way to shop for car insurance was in the office of a local insurance agent where you'd get a hard sell into a policy. Not anymore!
The first step to finding lower Nissan GT-R rates is to get quotes from all the major car insurance companies. This is fast and easy and only requires you to complete one form.
Simply click the link below to start a quote that will compare rates from many companies and you may find a lower rate than you're currently paying.
Quote Tip! In order to accurately compare rates for your GT-R, it's critical that you use the same limits and deductibles for liability and physical damage coverages like comprehensive and collision. If you use different limits, you will not be able to accurately compare rates between carriers.
Step Two: How to Cut Costs on GT-R Insurance
What you actually pay to insure your Nissan is determined by many factors, some of which you have no control over.
- Since your vehicle is higher performance than average, you can expect to pay a little more for coverage. To keep your costs lower, you may consider trading for a lower performance vehicle that has more moderate rates.
- How is your credit rating? The better credit you have, the less insurance will cost for your GT-R. If you have bad credit, work on improving your credit score and repair past credit problems.
- Speeding and other minor violations can impact your car insurance rates for up to three years. The increased cost can easily exceed the fine and court costs for the original ticket.
- People like sports cars like the GT-R for many reasons, but one of them is not a low cost to insure. Sporty vehicles generally have higher performance and with that comes higher risk for an accident.
- Renting a house or apartment rather than owning a home may keep you from paying the lowest rates on car insurance. Home ownership is viewed as being more financially responsible than renting.
- If your insurance company allows driver-specific car rating, you can save money by rating any teenage drivers on low profile vehicles with either no physical damage coverage or very high deductibles.
- Gaps in insurance coverage will cause problems for your insurance rates. Don't let your policy expire without having new coverage in place.
- If you can afford to pay for small claims like a broken windshield out of pocket, it will keep small claims off your record and give you a claim-free discount.
- Consider taking a defensive driving course. You can often make up the cost of the course in as little as a single policy renewal.
- Safety features such as antilock brakes, traction control and air bag systems all help reduce the cost of car insurance by keeping the passengers safer.
- If you're over the age of 55, check to see if you qualify for a senior citizen discount. Qualification age may vary by company
- Vehicles that tend to get stolen or have high repair costs will cost you more to insure. If your GT-R falls into either category, it could cost you.
- Higher deductibles save money. If you can afford to pay a larger portion of a comprehensive or collision claim, you will pay substantially less for those coverages if you increase your deductibles to $500 or even $1,000.
Step Three: Purchase a New Policy
You've compared rates and hopefully looked over the coverages for each vehicle on your policy to make sure they're adequate. Now you can make the big decision on which company will best fulfill your needs.
You can cancel a policy at any time, but just remember to make the effective date of the replacement policy the exact same as the date you cancel your old policy. You do not want any gaps in coverage between policies.
If you are adding a vehicle to an existing policy and not buying a new one, just make sure to get the vehicle added as soon as possible. Every insurance company offers a grace period to add new vehicles, so make sure you get the Nissan added prior to the expiration of this grace period. When driving off the lot, you may have coverage that extends from your current policy. But it will only be equal to the most coverage you have on any vehicle. So if you only carry liability coverage, you won't be covered for full coverage until you specify it on your policy.
Upon completion of buying your policy, you need to print out the financial responsibility card that must be kept in your vehicle at all times. Replace any old cards and promptly replace expired cards. High risk drivers may be required to submit an SR-22 with their state DMV's. If you have been convicted of reckless driving, DUI or had an uninsured accident, you may qualify. Make sure your new policy reflects the need for the SR-22 filing.
More Resources for Insurance Buying
To do more research on car insurance, visit the Insurance Information Institute website.