Car Insurance Quotes for a Nissan GT-R in San Jose

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High-priced Nissan GT-R insurance in San Jose can dry up your savings account and force you to cut corners elsewhere. Doing a rate comparison can help to make sure you're not throwing money away.

Insurance quote for Nissan GT-R in San JoseIt's hard to believe, but almost 70% of insureds have bought car insurance from the same company for more than four years, and nearly the majority have never even shopped around for cheap coverage. Most drivers in California can save hundreds of dollars each year, but they just feel it's too hard to compare rate quotes.

Steps to buying discount Nissan GT-R insurance in San Jose

The recommended way to quote cheaper auto insurance rates in San Jose is to begin comparing prices regularly from companies who sell insurance in California. Rate comparisons can be done by completing these steps.

  • Step 1: Spend a few minutes and learn about how auto insurance works and the things you can change to prevent high rates. Many risk factors that are responsible for high rates such as traffic citations and poor credit can be eliminated by making minor driving habit or lifestyle changes.
  • Step 2: Get rate quotes from direct, independent, and exclusive agents. Direct and exclusive agents can only give rate quotes from one company like Progressive or State Farm, while independent agencies can provide price quotes for a wide range of companies. View a list of agents
  • Step 3: Compare the new quotes to the price on your current policy to see if cheaper GT-R coverage is available. If you find a better price and make a switch, make sure coverage is continuous and does not lapse.

One thing to point out is to make sure you're comparing the same level of coverage on each quote and and to analyze every company you can. Doing this provides a fair rate comparison and a good representation of prices.

Online insurance companies like State Farm, Farmers Insurance, GEICO and Allstate persitently shower you with fancy advertisements and consumers find it hard to see through the cute green geckos and mayhem and find the best price available.

You should make it a habit to price shop coverage at least once a year because prices are adjusted regularly by insurance companies. Just because you found the lowest quotes on Nissan GT-R insurance in San Jose a couple years back a different company probably has better rates today. There is a lot of bad information regarding GT-R insurance on the web, but in just a couple of minutes you can learn a bunch of ideas how to slash your car insurance rates in San Jose.

If you have a policy now or are just looking to switch companies, use these techniques to save money and still have adequate protection. Locating the best insurance company for you in San Jose is actually quite easy if you know where to start. Consumers just have to know the quickest way to get comparison rates on the web.

First Step: Get free Nissan GT-R insurance quotes

Many insurance companies make it easy to get prices directly from their websites. Comparing Nissan GT-R insurance rates online is quite simple as you just enter the coverages you want into a form. After the form is submitted, the quote system collects your driving and credit reports and returns a price based on these and other factors. Getting online rate quotes for Nissan GT-R insurance in San Jose streamlines rate comparisons, and it is imperative to perform this step if you want to find the cheapest price possible.

To quickly compare pricing, compare rates from the companies below. If you currently have coverage, we recommend you duplicate your coverages as shown on your current policy. This guarantees you will have an apples-to-apples comparison based on identical coverages.

The companies shown below provide quotes in California. If more than one company is shown, it's a good idea that you get rates from several of them to get a more complete price comparison.

Don't overlook these Nissan GT-R insurance discounts

Insuring your vehicles can cost a lot, but you may find discounts that you may not even know about. Some trigger automatically at the time you complete a quote, but some must be specially asked for prior to receiving the credit. If you check and find you aren't receiving every discount you qualify for, you are paying more than you should be.Cheaper insurance with discounts

  • Sign Online - A few larger online companies give back up to $50 for buying a policy and signing up on the internet.
  • Accident-Free Discounts - Insureds with no claims or accidents get the best insurance rates in comparison with drivers who are more careless.
  • Accident Forgiveness - This one isn't a discount, but companies like State Farm and GEICO will allow you to have one accident before your rates go up if your claims history is clear for a certain period of time.
  • Driver's Education for Students - Have your child take driver's ed class if it's offered in school.
  • Active Military Service - Having an actively deployed family member may qualify for rate reductions.
  • Payment Discounts - By making one initial payment rather than spreading payments over time you could save 5% or more.
  • Multi-car Discount - Buying a policy with all your vehicles on the same insurance policy can get a discount for every vehicle.

Don't be surprised that some of the credits will not apply to the whole policy. A few only apply to individual premiums such as collision or personal injury protection. Despite the fact that it seems like all the discounts add up to a free policy, insurance companies wouldn't stay in business.

The diagram below shows the difference between Nissan GT-R insurance costs with and without some available policy discounts. The costs are based on a female driver, no tickets, no at-fault accidents, California state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, claim-free, homeowner, safe-driver, marriage, and multi-car discounts applied.

If you would like to view providers with significant discounts in San Jose, click this link.

Data for Nissan GT-R insurance

The price information below outlines a range of rate quotes for Nissan GT-R models. Learning how insurance premiums are formulated can aid in making smart choices when selecting a policy.

Nissan GT-R Insurance Rates in San Jose, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
GT-R Premium AWD 2-Dr $482 $1166 $424 $26 $128 $2,226 $186
GT-R AWD 2-Dr $482 $1166 $424 $26 $128 $2,226 $186
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Cost estimates assume single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Rate quotes do not factor in specific zip code location which can decrease or increase price quotes considerably.

Physical damage deductibles

When shopping for auto insurance, a common question is how high or low should comp and collision deductibles be. The figures shown below help summarize the cost difference when you select higher and lower comp and collision deductibles. The first rate estimation uses a $100 physical damage deductible and the second rate table uses a $500 deductible.

Nissan GT-R insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
GT-R Premium AWD 2-Dr $624 $1422 $376 $22 $112 $2,581 $215
GT-R AWD 2-Dr $624 $1422 $376 $22 $112 $2,581 $215
Get Your Own Custom Quote Go
Nissan GT-R insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
GT-R Premium AWD 2-Dr $456 $960 $376 $22 $112 $1,926 $161
GT-R AWD 2-Dr $456 $960 $376 $22 $112 $1,926 $161
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Information does not factor in specific location which can affect premium rates noticeably.

Based on these figures, using a $100 deductible will cost you approximately $54 more each month or $648 annually than requesting the higher $500 deductible. Due to the fact that you would have to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you average at least 7 months between claims, you would most likely save money if you decide on a higher deductible. The illustration below shows an example of how this decision is made.

Average monthly premium for $100 deductibles: $215
Average monthly premium for $500 deductibles (subtract): - $161
Monthly savings from raising deductible: $54
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $54
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 7 months

The diagram below demonstrates how choosing different deductibles and can change Nissan GT-R insurance costs for different age groups of insureds. Data assumes a single female driver, full coverage, and no discounts are applied to the premium.

Impact of citations and accidents on insurance rates

The diagram below shows how violations and at-fault accidents can drive up Nissan GT-R yearly insurance costs for each age group. The rate quotes are based on a single male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied.

Nissan GT-R insurance premiums by gender in San Jose

The diagram below illustrates the comparison of Nissan GT-R insurance costs for male and female drivers. The rates are based on no claims or violations, comp and collision included, $500 deductibles, marital status is single, and no discounts are applied.

Components of Your Nissan GT-R Insurance Premiums

A large part of saving on auto insurance is knowing the different types of things that help calculate the price you pay for auto insurance. When consumers understand what positively or negatively impacts your premiums, this enables you to make decisions that may reward you with lower auto insurance prices.

  • Choose high NHTSA crash test ratings and save - Safe vehicles tend to have lower insurance rates. These vehicles result in less severe injuries and lower rates of occupant injuries means lower claim amounts and more competitive rates for policyholders. If your Nissan GT-R has at least four stars on Safercar.gov you may pay a lower rate.
  • Insurance rates in urban areas - Living in smaller towns and rural areas of the country can be a good thing when insuring your vehicles. People who live in big cities have more road rage incidents and more time behind the wheel. Lower population means reduced accidents in addition to fewer liability claims.
  • Pay lower rates if you're married - Walking down the aisle helps lower the price compared to being single. Having a spouse means you're more responsible and it's proven that married drivers tend to have fewer serious accidents.
  • Save money with higher comp and collision deductibles - Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your Nissan. Some examples of covered claims are a broken side mirror, vandalism, and damage caused by flying debris. Your deductibles state the amount of money you are required to spend out-of-pocket if you file a covered claim. The more money you're willing to pay, the less your auto insurance will be.
  • Nissan GT-R insurance claim data - Insurers include the past claim trends for vehicles when setting rates for each model. Vehicles that are shown to have increased claim numbers or amounts will cost more to insure. The table shown below demonstrates the historical loss data for Nissan GT-R vehicles.

    For each insurance policy coverage type, the statistical loss for all vehicles, as a total average, is set at 100. Values that are under 100 suggest losses that are better than average, while values that are 100 or greater indicate more frequent losses or statistically larger claims.

    Nissan GT-R Insurance Loss Statistics
    Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
    Nissan GT-R 2dr 4WD 373 82 317
    BETTER
    AVERAGE
    WORSE

    Empty fields indicate not enough data collected
    Statistics from IIHS.org for 2013-2015 Model Years