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

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.

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

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
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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
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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.