Compare Nissan 370Z Insurance Rates in El Paso

Insurance quote for Nissan 370Z in El PasoIt takes a little time, but the best way to get more affordable auto insurance rates is to regularly compare quotes from insurers that sell auto insurance in El Paso.

One piece of advice is that you use the same amount of coverage on every price quote and and to analyze as many car insurance companies as possible. Doing this enables an accurate price comparison and a complete rate analysis.

Unbelievably, almost 70% of insureds have bought insurance from the same company for well over three years, and approximately 40% of consumers have never shopped around. With the average insurance premium being $2,680, Texas drivers could cut their rates by nearly 70% a year, but they don’t want to spend time to compare rates and save money.

Finding a lower price on Nissan 370Z insurance can be relatively painless. The only thing you need to do is spend a few minutes on the computer comparing free El Paso auto insurance quotes online from several insurance companies.

Comparing free quotes online is easy and it, makes it a waste of time to make phone calls or go to all the different El Paso insurance agencies. Comparing Nissan 370Z insurance rates online makes this unnecessary unless you prefer the professional advice of a local El Paso agent. Drivers can price shop online but buy the policy through an agent.

The following companies provide quotes in El Paso, TX. If multiple companies are shown, we recommend you compare several of them in order to get a fair rate comparison.

Rates and statistics

The coverage table shown next outlines different insurance rates for Nissan 370Z models. Having a good understanding how car insurance prices are established is important for drivers to make smart policy decisions.

Nissan 370Z Insurance Rates in El Paso, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
370Z 2-Dr Coupe $176 $436 $486 $28 $146 $1,272 $106
370Z 2-Dr Roadster $196 $436 $430 $26 $128 $1,216 $101
370Z Touring 2-Dr Coupe $196 $494 $486 $28 $146 $1,350 $113
370Z Touring 2-Dr Roadster $196 $436 $430 $26 $128 $1,216 $101
370Z Nismo 2-Dr Coupe $196 $550 $486 $28 $146 $1,406 $117
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Premium data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Price estimates do not factor in zip code location which can decrease or increase premium rates significantly.

An analysis of deductible level

One frequently asked question is how high should the physical damage deductibles be. The rates shown below lay out the cost difference of buying low and high coverage deductibles. The first set of rates uses a $250 deductible for physical damage and the second price table uses a $1,000 deductible.

Nissan 370Z insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
370Z 2-Dr Coupe $332 $672 $430 $26 $128 $1,613 $134
370Z 2-Dr Roadster $370 $672 $382 $22 $114 $1,585 $132
370Z Touring 2-Dr Coupe $370 $762 $430 $26 $128 $1,741 $145
370Z Touring 2-Dr Roadster $370 $672 $382 $22 $114 $1,585 $132
370Z Nismo 2-Dr Coupe $370 $850 $430 $26 $128 $1,829 $152
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Nissan 370Z insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
370Z 2-Dr Coupe $206 $424 $430 $26 $128 $1,214 $101
370Z 2-Dr Roadster $228 $424 $382 $22 $114 $1,170 $98
370Z Touring 2-Dr Coupe $228 $478 $430 $26 $128 $1,290 $108
370Z Touring 2-Dr Roadster $228 $424 $382 $22 $114 $1,170 $98
370Z Nismo 2-Dr Coupe $228 $534 $430 $26 $128 $1,346 $112
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Premium amounts do not factor in your specific El Paso location which can impact price quotes significantly.

Using the data above, we can ascertain that using a $250 deductible costs about $36 more each month or $432 for a full year than quoting the higher $1,000 deductible. Since the policyholder would be required to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you normally go at a minimum 21 months between claims, you would probably come out ahead by going with a higher deductible. Below is an example of how this determination is made.

Average monthly premium for $250 deductibles: $139
Average monthly premium for $1,000 deductibles (subtract): – $103
Monthly savings from raising deductible: $36
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $36
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 21 months

Safe drivers pay less for auto insurance

The information below shows how speeding tickets and at-fault collisions increase Nissan 370Z insurance rates for different age groups. The price estimates are based on a single female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied to the premium.

Nissan 370Z liability-only versus full coverage

The example below illustrates the difference between Nissan 370Z insurance rates when comparing full coverage to state minimum liability only. The premium estimates are based on no accidents, no driving violations, $250 deductibles, marital status is single, and no discounts are factored in.

When to drop comprehensive and collision coverage

There is no clear-cut rule to delete full coverage, but there is a guideline you can use. If the annual cost of comprehensive and collision coverage is more than around 10% of the settlement you would receive from your company, then you might want to consider buying only liability coverage.

For example, let’s say your Nissan 370Z replacement cost is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, you would only receive $5,000 after the policy deductible has been paid. If it’s costing in excess of $500 a year to have full coverage, then it might be time to consider dropping full coverage.

There are some circumstances where dropping full coverage is not financially feasible. If you haven’t paid off your loan, you must maintain physical damage coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle if your current one is damaged, you should not consider dropping full coverage.

Insurance is an important decision

Despite the high insurance cost for a Nissan 370Z in El Paso, maintaining insurance is required by state law in Texas and it also provides benefits you may not be aware of.

First, just about all states have minimum mandated liability insurance limits which means you are required to buy specific minimum amounts of liability protection if you don’t want to risk a ticket. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if you have a lien on your car, almost all lenders will make it mandatory that you have insurance to ensure they get paid if you total the vehicle. If you cancel or allow the policy to lapse, the bank may buy a policy for your Nissan at an extremely high rate and make you pay much more than you were paying before.

Third, insurance safeguards your car and your assets. It also can pay for all forms of medical expenses incurred in an accident. Liability insurance will also pay to defend you if you cause an accident and are sued. If your vehicle suffers damage from an accident or hail, comprehensive and collision coverage will pay to repair the damage.

The benefits of insuring your car definitely exceed the price paid, particularly for liability claims. As of last year, the average driver in Texas overpays more than $810 a year so compare rates at least once a year to ensure rates are competitive.

Cut Insurance Costs with These Tips

Multiple criteria are used when you get a price on insurance. Most are fairly basic like your driving record, but others are more obscure like where you live or your vehicle rating.

Discounts mean cheaper rates for Nissan 370Z insurance in El Paso

Some insurance providers do not advertise every discount they offer very well, so we break down both the well known and the more hidden discounts you could be receiving when you buy El Paso auto insurance online.Car insurance discounts

Discounts lower rates, but many deductions do not apply to the overall cost of the policy. Most only reduce the cost of specific coverages such as liability and collision coverage. So even though it sounds like adding up those discounts means a free policy, you’re out of luck.

The example below shows the comparison of Nissan 370Z premium costs with and without policy discounts. The data is based on a male driver, no claims or driving citations, Texas state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, safe-driver, claim-free, multi-policy, and homeowner discounts applied.

A few of the larger companies and their offered discounts include:

Before you buy a policy, ask all companies you are considering the best way to save money. Savings may not apply to policyholders in your state. To find car insurance companies with discount car insurance rates in El Paso, click this link.

Special considerations

When it comes to choosing the right insurance coverage for your personal vehicles, there really isn’t a single plan that fits everyone. Coverage needs to be tailored to your specific needs.Auto insurance savings

For example, these questions can aid in determining whether or not you may require specific advice.

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an agent. To find lower rates from a local agent, simply complete this short form. It’s fast, free and you can get the answers you need.

When should I have guidance from an agent?

Certain consumers just want to buy from a licensed agent. Insurance agents can help you build your policy and help you file claims. The biggest benefit of comparing rate quotes online is the fact that you can find the lowest rates and still buy from a local agent.

Find insurance agent in El PasoAfter completing this short form, your coverage information is immediately sent to insurance agents in El Paso that can give you free El Paso auto insurance quotes to get your business. You won’t need to find an agent on your own since price quotes are sent to you directly. If for some reason you want to get a rate quote from a specific insurance company, feel free to navigate to their website and complete a quote there.

Finding a good insurer requires more thought than just a low price. These are some questions you should get answers to.

The difference between El Paso auto insurance agents

If you prefer to buy auto insurance from local El Paso agents, there are a couple of types of insurance agents from which to choose. Auto insurance agents in El Paso can be categorized as either independent agents or exclusive agents depending on their employer. Both can insure your vehicles properly, but it’s a good idea to understand the differences because it can influence your selection of an agent.

Exclusive Agents

Agents that elect to be exclusive can usually just insure with one company and examples are Allstate, State Farm and Farm Bureau. Exclusive agencies are unable to shop your coverage around so keep that in mind. They are well trained on their products and sales techniques which can be an advantage.

Listed below are exclusive agencies in El Paso willing to provide price quote information.

2200 N Yarbrough Dr cEl Paso, TX 79925(915) 595-3622View Map

2731 Montana Ave cEl Paso, TX 79903(915) 566-3933View Map

7211 N Mesa St #2wEl Paso, TX 79912(915) 581-3276View Map

More El Paso agents

Independent Agents (or Brokers)

Independent insurance agents are not restricted to one company and that allows them to write policies with an assortment of companies and get you the best rates possible. To move your coverage to a new company, they can switch companies in-house and you can keep the same agent. When searching for an agent, we highly recommend that you get insurance quotes from at a minimum one independent agency so that you can do a thorough price comparison.

Listed below is a short list of independent agencies in El Paso who can help you get price quote information.

1029 N Zaragoza Rd AEl Paso, TX 79907(915) 858-1400View Map

1760 Airway BlvdEl Paso, TX 79925(915) 771-8552View Map

Texas State Insurance Agency
1501 N Mesa StEl Paso, TX 79902(915) 838-1501View Map

More El Paso agents

Keep this in mind when shopping around

In this article, we presented some good ideas how you can compare Nissan 370Z insurance prices in El Paso. The key thing to remember is the more rate comparisons you have, the better likelihood of getting low cost El Paso auto insurance quotes. You may even discover the lowest prices are with the smaller companies.

When getting El Paso auto insurance quotes online, it’s a bad idea to skimp on coverage in order to save money. There have been many situations where an accident victim reduced physical damage coverage only to regret that the small savings ended up costing them much more. The goal is to buy the best coverage you can find at the best cost, but do not skimp to save money.

A few companies may not have online quoting and these smaller companies only sell coverage through independent agents. Cost effective Nissan 370Z insurance can be purchased both online and also from your neighborhood El Paso agents, and you should be comparing both to have the best selection.

Additional auto insurance information can be found on the following sites: