Finding cheaper insurance for a Nissan 370Z in Arizona can be difficult, but you can learn the following methods to make it easier. There are more efficient ways to find insurance online and we’ll show you the absolute fastest way to quote coverages on a Nissan and get the best price possible from both online companies and Tucson agents.
It’s shocking but the majority of drivers have stayed with the same insurance company for four years or more, and 38% of customers have never shopped around. With the average premium in Arizona being $1,578, drivers could cut their rates by $733 a year just by comparing rates, but they don’t want to take the time to compare rate quotes online.
If you’re already insured or just want cheaper coverage, you will benefit by learning to shop for the lowest rates and still get good coverage. Buying cheaper coverage in Tucson is quite easy. Smart shoppers just have to know the proper way to shop for auto insurance online.
Most larger insurance companies provide prices for coverage from their websites. Getting online rates for Nissan 370Z insurance in Tucson is possible for anyone as all you need to do is type in your required coverages into the quote form. After you complete the form, the quote system orders credit information and your driving record and returns a price based on the information you submitted.
Using the web to get rate quotes for Nissan 370Z insurance in Tucson makes comparing rates easy, and it’s necessary to get many rate quotes if you want to find cheap prices.
To save time and use this form to compare rates, check out the car insurance providers below. To compare your current rates, we recommend you enter the coverage information identical to your current policy. Doing this guarantees you will get an apples-to-apples comparison based on the exact same insurance coverage.
The companies in the list below offer price comparisons in Arizona. If multiple companies are listed, we recommend you visit several of them to get a more complete price comparison.
Nissan 370Z insurance rates and statistics
The premium information displayed below highlights estimates of insurance prices for Nissan 370Z models. Being more informed about how policy premiums are calculated can aid in making informed decisions when comparing rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|370Z 2-Dr Coupe||$148||$306||$348||$20||$104||$926||$77|
|370Z 2-Dr Roadster||$164||$306||$308||$18||$92||$888||$74|
|370Z Touring 2-Dr Coupe||$164||$346||$348||$20||$104||$982||$82|
|370Z Touring 2-Dr Roadster||$164||$306||$308||$18||$92||$888||$74|
|370Z Nismo 2-Dr Coupe||$164||$386||$348||$20||$104||$1,022||$85|
|Get Your Own Custom Quote Go|
Prices above based on married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Rate information does not factor in Tucson location which can affect premium rates substantially.
Difference between full coverage and liability only rates
The chart below illustrates the comparison of Nissan 370Z auto insurance rates with full coverage compared to only the Arizona minimum liability coverage. The price estimates are based on no claims or violations, $500 deductibles, single status, and no other discounts are factored in.
Are you wasting money paying for full coverage?
There is no set guideline to eliminate comp and collision coverage, but there is a broad guideline. If the annual cost of your full coverage insurance is 10% or more of the vehicle’s replacement cost less your deductible, then you might consider buying liability only.
For example, let’s pretend your Nissan 370Z settlement value is $4,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most your company will settle for is $3,000 after paying your deductible. If you are paying over $300 a year for your policy with full coverage, then you might want to consider buying only liability coverage.
There are some cases where only buying liability is not in your best interest. If you haven’t satisfied your loan, you must maintain physical damage coverage as part of the loan requirements. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should not drop full coverage.
Lower rates by qualifying for discounts
Companies offering auto insurance don’t always list every discount in a way that’s easy to find, so the below list has both the well known and also the more inconspicuous discounts that may be available.
- Include Life Insurance and Save – Companies who offer life insurance give a lower rate if you buy some life insurance in addition to your auto policy.
- Use Seat Belts – Drivers who require all occupants to buckle their seat belts can save a little off the medical payments premium.
- Federal Government Employee – Active or retired federal employment could provide a small rate reduction but check with your company.
- Military Deployment Discount – Having a deployed family member could be rewarded with lower prices.
- Early Payment Discounts – If paying your policy premium upfront rather than paying monthly you can avoid the installment charge.
- Own a Home – Being a homeowner can save a few bucks due to the fact that maintaining a home is proof that your finances are in order.
- Paperwork-free – A few larger online companies give back up to $50 for buying a policy and signing up over the internet.
We need to note that most discount credits are not given to the whole policy. Most only cut the cost of specific coverages such as liability and collision coverage. Just because it seems like you could get a free insurance policy, companies don’t profit that way.
The chart below shows the difference between Nissan 370Z car insurance rates with and without discounts applied to the rates. The rates are based on a male driver, no claims, a clean driving record, Arizona state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, homeowner, multi-car, claim-free, multi-policy, and safe-driver discounts applied.
If you would like to see a list of insurance companies with significant discounts in Arizona, click here.
Why you need to buy insurance
Despite the fact that insurance is not cheap in Tucson, maintaining insurance may not be optional for several reasons.
- The majority of states have compulsory liability insurance requirements which means the state requires specific limits of liability insurance if you don’t want to risk a ticket. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If your 370Z has a lienholder, more than likely the lender will make it mandatory that you carry insurance to guarantee loan repayment. If you default on your policy, the lender may insure your Nissan at a much higher premium rate and require you to pay the higher price.
- Insurance protects not only your Nissan 370Z but also your financial assets. It will also provide coverage for many types of medical costs that are the result of an accident. One of the most valuable coverages, liability insurance, also pays expenses related to your legal defense if you cause an accident and are sued. If you receive damage to your vehicle caused by a storm or accident, your insurance policy will cover the damage repairs after a deductible is paid.
The benefits of buying insurance outweigh the cost, particularly if you ever have a claim. Despite what companies tell you, the average driver is overpaying over $830 a year so you should quote and compare rates at every policy renewal to be sure current rates are still competitive.
Local neighborhood Tucson car insurance agents
A lot of people still prefer to buy from a licensed agent and that is OK! Good agents can answer important questions and help submit paperwork. A nice benefit of price shopping on the web is you can get cheap insurance quotes and still have a local agent.
After filling out this simple form, the coverage information is sent to companies in Tucson who can give free rate quotes and help you find cheaper coverage. It makes it easy because there is no need to find an agent on your own since rate quotes are delivered to you. If you have a need to quote rates from a particular provider, you just need to find their quoting web page and submit a quote form there.
Choosing an company should depend on more than just the quoted price. These questions are important to ask:
- Where would glass claims be handled in Tucson?
- How often do they review coverages?
- Will you work with the agent or an assistant?
- Can they give you a list of client referrals?
- Are they full-time agents?
- What discounts might you be missing?
- Does the agent have professional designations like CIC, CPCU or AIC?
- Do they have cheaper tiers of coverage?
If you would like to find a reputable agency, it helps to know the two different agency structures that you can select. Insurance policy providers may be either independent agents or exclusive agents. Both do a good job, but it’s a good idea to understand the difference between them since it could factor into your selection of an agent.
Exclusive Insurance Agencies
Agents in the exclusive channel generally can only insure with one company and examples are AAA, Allstate, and State Farm. They usually cannot provide other company’s prices so you need to shop around if the rates are high. Exclusive agents are very knowledgeable on their company’s products which helps overcome the inability to quote other rates. Consumers often choose to use a exclusive agent partially due to the brand and the convenience of having all coverages with one company.
Below are Tucson exclusive agencies who can help you get comparison quotes.
- Joe Abong – State Farm Insurance Agent
2323 N Swan Rd – Tucson, AZ 85712 – (520) 750-8016 – View Map
- Allstate Insurance: Mike Brown
3400 E Speedway Blvd Ste 202 – Tucson, AZ 85716 – (520) 318-1775 – View Map
- Merrie Connon – State Farm Insurance Agent
10222 E Rita Rd #110 – Tucson, AZ 85747 – (520) 574-3223 – View Map
Independent agents are not restricted to one company and that gives them the ability to insure with a variety of different insurance companies and find the cheapest rate. If your agent finds better pricing, your agent can just switch to a different company and you don’t have to switch agencies.
When shopping rates, we recommend you get insurance quotes from several independent agencies to maximize your price options. Most have the option of insuring with smaller regional carriers that may have much lower rates than larger companies.
Listed below is a list of independent agents in Tucson that are able to give comparison quotes.
- Allied Insurance Group
2424 E Broadway Blvd # 114 – Tucson, AZ 85719 – (520) 918-2886 – View Map
- McElwain Insurance
1717 N Tucson Blvd – Tucson, AZ 85716 – (520) 327-3369 – View Map
- HalSi Insurance Services
7670 E Broadway Blvd #250 – Tucson, AZ 85710 – (520) 296-7881 – View Map