We don’t have to point out that fact that insurance companies don’t want policyholders to shop around. Consumers who shop around for the cheapest rate are highly likely to buy a different policy because of the high probability of finding coverage at a more affordable price. A study discovered that people who routinely shopped around saved $72 a month compared to people who never shopped around.
If finding the best price on Nissan 370Z insurance is your ultimate target, learning how to get price quotes and compare car insurance can save time, money, and frustration.
The preferred way to find more affordable car insurance rates in Chandler is to start comparing prices yearly from different companies who provide car insurance in Arizona.
Step 1: Try to learn a little about auto insurance and the things you can control to drop your rates. Many policy risk factors that drive up the price like traffic violations, accidents, and a not-so-good credit rating can be rectified by paying attention to minor details.
Step 2: Request price quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can provide rates from one company like GEICO and Allstate, while independent agencies can provide rate quotes for a wide range of companies. Get quotes now
Step 3: Compare the new rate quotes to your existing rates and see if there is a cheaper rate. If you can save money and buy the policy, make sure the effective date of the new policy is the same as the expiration date of the old one.
Step 4: Provide proper notification to your current company to cancel your existing policy. Submit payment and a signed application to the newly selected company. Make sure you store the certificate of insurance with your registration paperwork.
The key thing to know about shopping around is that you use similar coverage information on every quote request and and to get quotes from as many car insurance companies as possible. This enables a level playing field and the best price selection.
Choosing the best insurance company for you in Chandler is actually not that difficult if you follow our advice. Basically, each driver who has to purchase car insurance should find a cheaper policy. Although Arizona vehicle owners do need to know the way companies set your policy premium and apply this information to your search.
The easiest way to compare car insurance company rates for Nissan 370Z insurance in Chandler is to take advantage of the fact most larger insurance companies provide online access to provide you with a free rate quote. All consumers are required to do is provide details including how you use your vehicles, whether you are married, if the vehicle is leased, and how much coverage you want. Your rating data is sent automatically to multiple insurance providers and you get price estimates instantly to find the best rate.
To get price quotes for your Nissan 370Z now, click here and find out if you can get cheaper insurance in Chandler.
The auto insurance companies shown below offer free rate quotes in Chandler, AZ. To find the best cheap auto insurance in Chandler, we recommend you visit several of them to get the best price comparison.
Nissan 370Z insurance analysis
The coverage table shown below covers a range of coverage prices for Nissan 370Z models. Being more informed about how insurance policy rates are established can help customers make informed decisions when comparing rate quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 370Z 2-Dr Coupe | $250 | $598 | $440 | $26 | $132 | $1,446 | $121 |
| 370Z 2-Dr Roadster | $280 | $598 | $390 | $24 | $116 | $1,408 | $117 |
| 370Z Touring 2-Dr Coupe | $280 | $676 | $440 | $26 | $132 | $1,554 | $130 |
| 370Z Touring 2-Dr Roadster | $280 | $598 | $390 | $24 | $116 | $1,408 | $117 |
| 370Z Nismo 2-Dr Coupe | $280 | $756 | $440 | $26 | $132 | $1,634 | $136 |
| Get Your Own Custom Quote Go | |||||||
Table data represents single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Table data does not factor in specific garaging location which can revise coverage rates noticeably.
Policy deductible comparison
One frequently asked question is how low should you set your deductibles. The data tables below may help to conceptualize the differences in premium rates of buying low and high physical damage coverage deductibles. The first set of rates uses a $250 deductible for physical damage and the second set of prices uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 370Z 2-Dr Coupe | $262 | $530 | $338 | $20 | $102 | $1,277 | $106 |
| 370Z 2-Dr Roadster | $292 | $530 | $300 | $18 | $90 | $1,255 | $105 |
| 370Z Touring 2-Dr Coupe | $292 | $600 | $338 | $20 | $102 | $1,377 | $115 |
| 370Z Touring 2-Dr Roadster | $292 | $530 | $300 | $18 | $90 | $1,255 | $105 |
| 370Z Nismo 2-Dr Coupe | $292 | $668 | $338 | $20 | $102 | $1,445 | $120 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 370Z 2-Dr Coupe | $162 | $334 | $338 | $20 | $102 | $956 | $80 |
| 370Z 2-Dr Roadster | $180 | $334 | $300 | $18 | $90 | $922 | $77 |
| 370Z Touring 2-Dr Coupe | $180 | $376 | $338 | $20 | $102 | $1,016 | $85 |
| 370Z Touring 2-Dr Roadster | $180 | $334 | $300 | $18 | $90 | $922 | $77 |
| 370Z Nismo 2-Dr Coupe | $180 | $420 | $338 | $20 | $102 | $1,060 | $88 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Price estimates do not factor in zip code location which can influence price quotes significantly.
We can derive from the above data that using a $250 deductible will cost you about $29 more each month or $348 every year than choosing the higher $1,000 deductible. Since the policyholder would be required to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you average more than 26 months between claims, you would more than likely save some money by selecting a higher deductible. The illustration below shows the way you can do this calculation yourself.
| Average monthly premium for $250 deductibles: | $110 |
| Average monthly premium for $1,000 deductibles (subtract): | – $81 |
| Monthly savings from raising deductible: | $29 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $29 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 26 months |
Cost difference between full coverage and liability
The diagram below shows the difference between Nissan 370Z auto insurance rates with full coverage compared to only the Arizona minimum liability coverage. The prices are based on no accidents, no driving violations, $100 deductibles, drivers are not married, and no other discounts are factored in.
When to buy liability coverage only
There is no set guideline to eliminate full coverage, but there is a general school of thought. If the annual cost of having full coverage is more than around 10% of replacement cost minus your deductible, then you might want to think about dropping full coverage.
For example, let’s say your Nissan 370Z claim settlement value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $2,000 after paying your policy deductible. If premium cost is more than $200 annually for full coverage, then it’s probably a good time to buy liability coverage only.
There are some situations where dropping full coverage is not financially feasible. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage to protect the lienholder’s interest. Also, if your emergency fund is not enough to purchase a different vehicle in the event your current vehicle is totaled, you should not drop full coverage.
Car insurance is not optional
Despite the fact that car insurance is not cheap in Chandler, insuring your vehicle may be required and benefits you in several ways.
- Almost all states have mandatory liability insurance requirements which means it is punishable by state law to not carry specific minimum amounts of liability if you drive a vehicle. 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 loan, it’s most likely the lender will require that you have full coverage to guarantee their interest in the vehicle. If you do not pay your insurance premiums, the bank may buy a policy for your Nissan at a more expensive rate and force you to reimburse them the higher premium.
- Car insurance preserves both your assets and your car. It will also provide coverage for medical expenses for yourself as well as anyone injured by you. Liability coverage will also pay attorney fees if anyone sues you for causing an accident. If you receive damage to your vehicle caused by a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will pay all costs to repair after the deductible has been paid.
The benefits of insuring your car outweigh the cost, especially if you ever need it. An average driver in America is overpaying over $700 annually so shop around once a year at a minimum to make sure the price is not too high.
What Determines Nissan 370Z Insurance Premiums?
Many different elements are used in the calculation when you quote your car insurance policy. A few of the factors are predictable such as your driving history, but some are not quite as obvious like your vehicle usage or your financial responsibility. When buying insurance it’s important to understand some of the elements that help calculate your premiums. If you have a feel for what influences your rates, this allows you to make educated decisions that can help you get lower insurance prices.
Listed below are a partial list of the pieces companies use to determine premiums.
Your occupation can affect rates – Did you know your occupation can influence how much you pay for insurance? Occupations such as real estate brokers, airline pilots, and medical professionals generally pay higher premium rates in part from intense work requirements and lots of time spent away from family. On the flip side, professions such as farmers, engineers and homemakers generally pay rates lower than average.
Deter vehicle theft – Choosing to buy a car with a theft deterrent system can help lower your rates. Anti-theft features like GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping car theft and help bring rates down.
Gender is a factor – The statistics show that men are more aggressive behind the wheel. The data does not necessarily mean that women are better drivers. They both have at-fault accidents in similar numbers, but the male of the species cause more damage. Men also statistically get more serious tickets like DUI and reckless driving.
The illustration below illustrates the difference between Nissan 370Z insurance costs for male and female drivers. The premiums are based on a clean driving record, no claims, comprehensive and collision coverage, $250 deductibles, drivers are not married, and no discounts are taken into consideration.
Extra policy coverages that may not be needed – Insurance policies have a lot of extra add-on coverages you can purchase when buying insurance. Things like vanishing deductibles, death and dismemberment, and membership fees may be costing you every month. They may seem good when you first buy your policy, but now you might not need them so get rid of them and save.
A policy lapse is a bad thing – Driving with no insurance is not a good idea and your next policy will cost more because you let your insurance coverage expire. And not only will your rates increase, not being able to provide proof of insurance could earn you a fine, jail time, or a revoked license.
Lower annual miles equals lower premium – The more you drive annually the higher the price you pay to insure it. Most insurance companies price each vehicle’s coverage based upon how much you drive. Cars and trucks not used for work or commuting receive lower rates than vehicles that have high annual mileage. Having an incorrect usage rating on your 370Z can cost quite a bit. It’s always a good idea to double check that your insurance declarations sheet is showing annual mileage, because it can save money.
You might want pay the minor claims yourself – If you are a frequent claim filer, you can pretty much guarantee higher rates. Car insurance companies in Arizona give most affordable rates to insureds who file claims infrequently. Auto insurance is designed for major claims that would cause financial hardship.
Bad drivers pay high costs – Even one speeding ticket or other violation can increase rates forty percent or more. Drivers with clean records receive lower rates as compared to careless drivers. Drivers who get careless tickets such as DUI or willful reckless driving may need to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to legally drive.
The information below demonstrates how citations and accidents can impact Nissan 370Z annual premium costs for different age groups. The prices are based on a single female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied to the premium.
Loss statistics for a Nissan 370Z – Companies factor in insurance loss information to help determine the rate you pay. Models that have higher frequency or amount of claims will cost more to insure.
The table below shows the historical insurance loss data for Nissan 370Z vehicles. For each coverage type, the loss probability for all vehicles, without regard to make or model, is considered to be 100. Values that are 100 or less suggest a better than average loss history, while values over 100 point to more frequent losses or an increased likelihood of larger losses.
| Specific Nissan Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Nissan 370Z 2dr | 164 | 88 | 132 | 91 | 88 | |
| Nissan 370Z Convertible | 129 | 73 |
Empty fields indicate not enough data collected
Statistics from IIHS.org for 2013-2015 Model Years
Cheap Chandler insurance quotes with discounts
Some insurers don’t list every possible discount in a way that’s easy to find, so we took the time to find both the well known and also the more inconspicuous credits available to lower your premiums when you buy Chandler auto insurance online.
- Low Mileage Discounts – Fewer annual miles on your Nissan may enable drivers to earn cheaper insurance rates.
- Buy New and Save – Adding a new car to your policy can be considerably cheaper because newer models have to meet stringent safety requirements.
- Distant Student Discount – Children living away from Chandler attending college and do not have a car could get you a discount.
- Theft Deterrent – Vehicles with anti-theft systems are less likely to be stolen and will qualify for a discount on a Chandler auto insurance quote.
- Drive Safe and Save – Insureds without accidents can get discounts for up to 45% lower rates than their less cautious counterparts.
- Defensive Driving Course – Passing a course in defensive driving can save you 5% or more if you qualify.
- Accident-Free Discounts – Claim-free drivers are rewarded with significantly better rates on Chandler auto insurance quote as opposed to insureds who have frequent claims or accidents.
We need to note that most discounts do not apply to the entire cost. Most cut specific coverage prices like collision or personal injury protection. So despite the fact that it appears all those discounts means the company will pay you, insurance companies aren’t that generous. Any qualifying discounts will definitely lower the cost of your policy.
The illustration below illustrates the comparison of Nissan 370Z annual premium costs with and without discounts. The prices are based on a female driver, a clean driving record, no claims, Arizona state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-policy, multi-car, homeowner, safe-driver, and marriage discounts applied.
To see a list of providers that offer multiple discounts in Arizona, click this link.
Tailor your auto insurance coverage to you
When it comes to choosing insurance from an agent or online for your personal vehicles, there isn’t really a perfect coverage plan. Coverage needs to be tailored to your specific needs.
For example, these questions could help you determine if you would benefit from an agent’s advice.
- Why am I be forced to buy a membership to get insurance from some companies?
- What happens if I owe more than my Nissan 370Z is worth?
- Are my friends covered when driving my Nissan 370Z?
- What is the minimum liability in Arizona?
- How can I get the company to pay a claim?
- What policy terms are available?
If you don’t know the answers to these questions but a few of them apply then you might want to talk to an insurance agent. To find an agent in your area, complete this form.
Get rate quotes but buy from a local Chandler insurance agency
Many drivers just want to get advice from a local agent and that is OK! An additional benefit of comparing rate quotes online is that you can find lower rates but also keep your business local.
After completing this simple form, your insurance data is submitted to local insurance agents who will give you quotes for your business. You don’t have to contact any insurance agencies because prices are sent immediately to you. You can get cheaper car insurance rates and a licensed agent to talk to. If you wish to compare rates from a particular provider, don’t hesitate to navigate to their website and give them your coverage information.
Finding a good insurer needs to be determined by more than just a low price. These are some questions your agent should answer.
- By raising physical damage deductibles, how much would you save?
- What will you get paid if your car is a total loss? How is that amount determined?
- Do they have any clout with companies to ensure a fair claim settlement?
- Will one accident increase rates?
- Do they have designations such as AIC, CPCU, or CIC?
Different types of auto insurance agents in Chandler
When searching for an insurance agent, it’s helpful to know the types of insurance agents from which to choose. Insurance agencies in Chandler can either be exclusive or independent.
Exclusive Car Insurance Agents
These type of agents work for only one company like State Farm, Allstate and AAA. Exclusive agents cannot provide prices from multiple companies so you might not find the best rates. Exclusive agents are highly trained on what they offer which can be an advantage. Consumers frequently use the same agent primarily because of high brand loyalty instead of buying on price only.
Listed below is a list of exclusive agents in Chandler who can help you get price quote information.
- Farmers Insurance – Alan Beyerle
1820 E Ray Rd a213 – Chandler, AZ 85225 – (480) 820-2797 – View Map - Farmers Insurance: Mike Canez
381 N Arizona Ave – Chandler, AZ 85225 – (480) 786-5302 – View Map - Jason Earl – State Farm Insurance Agent
3120 S Gilbert Rd #4 – Chandler, AZ 85286 – (480) 895-2040 – View Map
Independent Agents (or Brokers)
Agents of this type can sell policies from many different companies and that allows them to write policies amongst many companies and possibly get better coverage at lower prices. If premiums increase, your agent can switch companies which requires no work on your part. If you need cheaper car insurance rates, you definitely need to get rate quotes from multiple independent agents to have the best price comparison. They often place coverage with lesser-known insurance companies who may have lower rates.
Listed below are independent insurance agencies in Chandler who can help you get comparison quotes.
- Allied Insurance Group
2231 E Pecos Rd #2 – Chandler, AZ 85225 – (480) 634-5222 – View Map - Sunvalley Insurance (Agency)
4960 S Gilbert Rd #1 – Chandler, AZ 85249 – (480) 626-7218 – View Map - Poothills Insurance
4221 E Chandler Blvd # 119 – Phoenix, AZ 85048 – (480) 759-1970 – View Map
Don’t give up on affordable premiums
Throughout this article, we presented a lot of techniques to find cheaper Nissan 370Z insurance in Chandler. The key concept to understand is the more quotes you get, the better chance you’ll have of finding low cost Chandler auto insurance quotes. You may even find the lowest auto insurance rates are with a smaller regional carrier.
Drivers who switch companies do it for any number of reasons including not issuing a premium refund, denial of a claim, unfair underwriting practices or even delays in paying claims. Regardless of your reason, finding a great new company is actually quite simple.
As you restructure your insurance plan, make sure you don’t sacrifice coverage to reduce premiums. Too many times, an insured cut liability limits or collision coverage and learned later that a couple dollars of savings turned into a financial nightmare. The proper strategy is to buy the best coverage you can find at the best possible price while still protecting your assets.
For more information, take a look at the articles below:
- If I File a Claim will My Insurance Go Up? (Insurance Information Institute)
- How Much is Car Insurance for Teenagers in Chandler? (FAQ)
- Who Has Affordable Auto Insurance Rates for Low Mileage Drivers in Chandler? (FAQ)
- What Auto Insurance is Cheapest for Teenage Males in Chandler? (FAQ)
- Who Has Cheap Car Insurance Rates for High Risk Drivers in Chandler? (FAQ)
- What Auto Insurance is Cheapest for a Jeep Grand Cherokee in Chandler? (FAQ)
- Auto Insurance FAQ (Farmers Insurance)
- Speed and Speed Limit FAQ (iihs.org)
- Teen Driver Licensing Information (iihs.org)
- Can I Drive Legally without Insurance? (Insurance Information Institute)