Price shopping your Nissan 370Z insurance in Henderson could be difficult for drivers who have little experience quoting and comparing prices online. With such a big selection of agents and online companies available, it can easily turn into more work than you anticipated to compare rates on Nissan 370Z insurance.
Astonishing but true, most car insurance customers kept their coverage with the same car insurance company for a minimum of four years, and 38% of customers have never even compared rates from other companies. Most drivers in Nevada can save almost 35% each year by just shopping around, but they mistakenly think it's difficult to shop their coverage around.
If you have a policy now, you should be able to buy cheaper auto insurance using the techniques covered below. Quoting and comparing rates for more affordable policy in Henderson is not that difficult. But Nevada drivers can benefit from knowing how insurance companies calculate your policy premium and use it to find better rates.
When price shopping your coverage, comparing a wide range of rates increases the chance that you will find the best offered rates.
The companies in the list below provide price comparisons in Henderson, NV. If more than one company is shown, we recommend you visit several of them in order to find the most competitive rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|370Z 2-Dr Coupe||$232||$534||$366||$22||$110||$1,264||$105|
|370Z 2-Dr Roadster||$230||$452||$290||$18||$86||$1,076||$90|
|370Z Touring 2-Dr Coupe||$286||$720||$394||$24||$118||$1,542||$129|
|370Z Touring 2-Dr Roadster||$238||$504||$372||$22||$112||$1,248||$104|
|370Z Nismo 2-Dr Coupe||$244||$554||$348||$20||$104||$1,270||$106|
|Get Your Own Custom Quote Go|
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Nevada minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, claim-free, and homeowner. Information does not factor in specific location information which can affect auto insurance rates substantially.
Age-based auto insurance rates by gender
The chart below shows the comparison of Nissan 370Z yearly insurance costs for male and female drivers. The data assumes a clean driving record, no claims, comp and collision included, $500 deductibles, marital status is single, and no policy discounts are applied.
Henderson insurance discounts for a Nissan 370Z
Car insurance companies don't always list all their discounts very clearly, so the list below details both the well known and the more hidden credits available to you. If you do not double check each discount available, it's possible you qualify for a lower rate.
- Bundled Policy Discount - If you can combine your auto and homeowners policy with one company you may earn up to 20% off your total 370Z insurance premium.
- Defensive Driving Course - Taking part in a driver safety course could possibly earn you a 5% discount and easily pay for the cost of the class.
- Theft Prevention System - Vehicles that have factory alarm systems and tracking devices are less likely to be stolen and qualify for as much as a 10% discount.
- Passive Restraints - Vehicles equipped with air bags and/or automatic seat belt systems may get savings of 25 to 30%.
- Distant Student Discount - Kids living away from Henderson attending college and leave their car at home can be insured at a reduced rate.
- Pay Upfront and Save - By paying your entire bill at once rather than paying in monthly installments you can actually save on your bill.
- Paperwork-free - A handful of larger companies may give you up to $50 for completing your application online.
- Good Grades Discount - Maintaining excellent grades could provide a savings of up to 20% or more. This discount can apply well after school through age 25.
- Discounts for Government Workers - Employees or retirees of the government may qualify for a discount when you quote Henderson car insurance depending on your insurance provider.
- Multi-car Discount - Drivers who insure multiple cars on the same insurance policy can reduce rates for all insured vehicles.
As a disclaimer on discounts, most discount credits are not given to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as comp or med pay. Despite the fact that it seems like having all the discounts means you get insurance for free, it's just not the way it works. But all discounts will definitely lower the amount you have to pay.
If you would like to view insurance companies who offer cheap Nissan 370Z insurance quotes in Henderson in Nevada, click here to view.
Local agents and car insurance
A small number of people would rather talk to a local agent and that is not a bad decision The biggest benefit of comparing rate quotes online is that you can obtain cheaper auto insurance rates and still choose a local agent.
To help locate an agent, after submitting this simple form, your insurance coverage information gets sent to participating agents in Henderson who will give you bids and help you find cheaper coverage. You don't have to search for any insurance agencies because prices are sent instantly to you. You'll get the best rates and an insurance agent to talk to. If you have a need to compare rates for a specific company, feel free to jump over to their website to submit a rate quote request.
Selecting an insurer is decision based upon more than just a low price. These are some valid questions you should ask.
- Will they give you a referral list?
- How long has their agency been open in Henderson?
- Which family members are covered?
- What insurance companies do they work with in Henderson?
- Do the companies they represent have a solid financial rating?
- Did they already check your driving record and credit reports?
- Are claim adjusters local or do you have to take your car somewhere else?
The following is a short list of insurers in Henderson that can give you price quotes for Nissan 370Z insurance in Henderson.
- Dino DeGregorio - State Farm Insurance Agent
3037 W Hrzn Rg Pkwy Ste 100 - Henderson, NV 89052 - (702) 982-0696 - View Map
- Centurion Insurance Services
1399 Galleria Dr #201 - Henderson, NV 89014 - (702) 871-0001 - View Map
- Allstate Insurance: The Bell Agency
1000 N Green Valley Pkwy #450 - Henderson, NV 89074 - (702) 897-1000 - View Map
- Amber Aiello - State Farm Insurance Agent
2200 W Horizon Ridge Pkwy a - Henderson, NV 89052 - (702) 616-4663 - View Map
Informed Consumers Can Lower Their Insurance Prices
A large part of saving on insurance is knowing the rating factors that play a part in calculating the price you pay for insurance. If you have some idea of what influences your rates, this enables you to make decisions that could help you find lower rates. Lots of factors are taken into consideration when you get a price on insurance. A few of the factors are predictable such as traffic violations, although some other factors are more transparent like your continuous coverage or your commute time.
Your liability limits - The liability coverage on your policy provides coverage if you are ruled to be at fault for an accident. Your liability coverage provides legal defense which can be incredibly expensive. Liability is cheap compared to physical damage coverage, so do not cut corners here.
Little extras can really add up - There are many add-on coverages that you can get tricked into buying if you aren't careful. Coverage for things like personal injury protection, high-cost glass coverage, and additional equipment coverage may be costing you every month. They may seem like a good idea when talking to your agent, but if they're wasting money remove them from your policy.
Discounts for married couples - Having a significant other may cut your premiums on your policy. Having a significant other usually means you are more stable financially and insurance companies reward insureds because married drivers tend to have fewer serious accidents.
Decrease prices by maintaining coverage - Driving any period of time without insurance can get you a ticket and your next policy will cost more because you let your insurance expire. And not only will insurance be more expensive, failure to provide proof of insurance could result in fines or a revoked license. You could then be forced to provide proof of insurance in the form of an SR-22 filing with the Nevada motor vehicle department.
Better credit means lower premiums - Having a bad credit score can be a huge factor in determining what you pay. Drivers with very good credit scores tend to file fewer claims than drivers who have bad credit. Therefore, if your credit history is low, you could be paying less to insure your Nissan 370Z by taking the time to improve your credit score.
Does your employer raise your rates? - Occupations like military personnel, social workers and accountants are shown to have higher premiums than the average policyholder attributed to stressful work requirements and incredibly demanding work hours. Other jobs such as farmers, students and the unemployed get better rates.
Reduce insurance rates by driving cars with good safety ratings - Safe vehicles cost less to insure. Safe vehicles have better occupant injury protection and fewer injuries translates directly to fewer claims and thus lower rates. If your Nissan 370Z has ratings of a minimum four stars on Safercar.gov or an "acceptable" rating on iihs.org you may pay a lower rate.
Nissan 370Z claim probability - Auto insurance companies use claims history to help determine the price you pay. Vehicles that the data determines to have high amounts or severity of claims will have higher premium rates. The table shown below demonstrates the historical insurance loss data for Nissan 370Z vehicles.
For each insurance policy coverage type, the statistical loss for all vehicles, as an average, is set at 100. Percentage values below 100 represent a good loss history, while numbers that are greater than 100 point to more losses or an increased likelihood of larger losses.
Auto Insurance Loss Data for Nissan 370Z Models
|Vehicle 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
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Three reasons to insure your Nissan 370Z
Despite the high cost of buying insurance for a Nissan 370Z in Henderson, insurance is most likely required but also gives you several important benefits.
First, almost all states have mandatory liability insurance requirements which means the state requires a minimum amount of liability in order to get the vehicle licensed. In Nevada 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.
Second, if you have a loan on your Nissan 370Z, it's most likely the lender will require that you have physical damage coverage to ensure the loan is repaid in case of a total loss. If you do not keep the policy in force, the lender may have to buy a policy to insure your Nissan at a significantly higher premium and force you to reimburse them for the expensive policy.
Third, car insurance protects both your vehicle and your assets. Insurance will also pay for medical bills for not only you but also any passengers injured in an accident. One of the most valuable coverages, liability insurance, will also pay for a defense attorney if someone files suit against you as the result of an accident. If your car is damaged in a storm or accident, collision and comprehensive coverages will pay to repair the damage minus the deductible amount.
The benefits of buying car insurance more than offset the price you pay, particularly when you have a large claim. On average, a vehicle owner in Henderson is overpaying more than $810 a year so it's very important to do a rate comparison at least once a year to ensure rates are competitive.
Don't give up on cheap rates
We just presented some good ideas how you can find lower-cost Nissan 370Z insurance in Henderson. The key concept to understand is the more times you quote, the higher your chance of finding inexpensive Henderson car insurance quotes. You may even discover the most savings is with a small local company.
More affordable car insurance in Henderson is available from both online companies as well as from insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. A few companies do not offer price quotes online and most of the time these small, regional companies provide coverage only through independent agents.
People change insurance companies for any number of reasons including delays in paying claims, delays in responding to claim requests, not issuing a premium refund and high prices. Regardless of your reason for switching companies, choosing a new company is not as difficult as it may seem.
- Vehicle Size and Weight FAQ (iihs.org)
- What Car Insurance is Cheapest in Sparks, Nevada? (FAQ)
- Who Has Cheap Auto Insurance Rates for Drivers Over Age 70 in Nevada? (FAQ)
- Who Has Cheap Car Insurance Quotes for a Nissan Altima in Nevada? (FAQ)
- What Insurance is Cheapest for Infrequent Drivers in Nevada? (FAQ)
- New head restraint design cuts injuries (Insurance Institute for Highway Safety)
- Pickups fall short in headlight tests (Insurance Institute for Highway Safety)
- Air Bags: Potential Dangers to Your Children (Insurance Information Institute)