Discount Nissan 370Z insuranceAre you doing reasearch to find low-cost Nissan 370Z insurance in Columbia? Are you sick and tired of scraping the payment together each month for car insurance? You are no different than millions of other drivers.

A study showed that a large majority of drivers have purchased from the same company for more than four years, and roughly 40% of drivers have never quoted rates to find cheaper coverage. The average driver in South Carolina could save roughly 55% a year just by shopping around, but they think it's difficult to compare rates.

Multiple car insurance companies compete for your hard-earned dollar, and it can be difficult to compare rates to find the absolute best price available on Nissan 370Z insurance in Columbia.

It is always a good idea to check car insurance prices before your next renewal because prices tend to go up over time. Just because you found the best deal on Nissan 370Z insurance in Columbia a couple years back the chances are good that you can find a lower rate quote today. Forget anything you know (or think you know) about car insurance because you're about to find out one of the easiest ways to eliminate unnecessary coverages and save money on Nissan 370Z insurance in Columbia.

The best way to compare rate quotes for Nissan 370Z insurance in Columbia is to know the trick most larger insurance companies pay for the opportunity to give rate comparisons. To start a quote, the only thing you need to do is spend a couple of minutes providing details like any included safety features, the type of vehicles you drive, if a SR-22 is required, and how you use your vehicles. Your insurance information is sent automatically to insurance companies and they return quotes immediately.

To find lower affordable Nissan 370Z insurance rates now, click here then complete the form.

The companies shown below are ready to provide free quotes in South Carolina. If the list has multiple companies, we suggest you compare several of them in order to find the most affordable rates.

Nissan 370Z Insurance Rate Estimates in Columbia, SC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
370Z 2-Dr Coupe $238 $558 $466 $28 $140 $1,430 $119
370Z 2-Dr Roadster $318 $706 $358 $22 $108 $1,512 $126
370Z Touring 2-Dr Coupe $232 $538 $436 $26 $130 $1,362 $114
370Z Touring 2-Dr Roadster $232 $500 $386 $22 $116 $1,256 $105
370Z Nismo 2-Dr Coupe $198 $470 $394 $24 $118 $1,204 $100
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Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and South Carolina minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Premium costs do not factor in vehicle location which can affect coverage prices substantially.

Auto insurance premiums based on gender

The diagram below compares Nissan 370Z insurance prices for male and female drivers. The price estimates are based on no violations or claims, full coverage, $100 deductibles, marital status is single, and no discounts are taken into consideration.

Careless driving habits raise Columbia auto insurance rates

The illustration below demonstrates how citations and accident claims raise Nissan 370Z car insurance costs for different age groups. The prices are based on a married male driver, comprehensive and collision coverage, $100 deductibles, and no additional discounts are factored in.

Comparison of policy deductibles

When shopping for auto insurance, a common question is at what level do you set your deductibles. The following insurance rates highlight the cost difference between low and high coverage deductibles. The first rate comparisons uses a $250 comprehensive and collision deductible and the second price grid uses a $500 deductible.

Nissan 370Z insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
370Z 2-Dr Coupe $298 $602 $386 $22 $116 $1,449 $121
370Z 2-Dr Roadster $332 $602 $342 $20 $102 $1,423 $119
370Z Touring 2-Dr Coupe $332 $682 $386 $22 $116 $1,563 $130
370Z Touring 2-Dr Roadster $332 $602 $342 $20 $102 $1,423 $119
370Z Nismo 2-Dr Coupe $332 $762 $386 $22 $116 $1,643 $137
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Nissan 370Z insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
370Z 2-Dr Coupe $242 $486 $386 $22 $116 $1,252 $104
370Z 2-Dr Roadster $270 $486 $342 $20 $102 $1,220 $102
370Z Touring 2-Dr Coupe $270 $550 $386 $22 $116 $1,344 $112
370Z Touring 2-Dr Roadster $270 $486 $342 $20 $102 $1,220 $102
370Z Nismo 2-Dr Coupe $270 $614 $386 $22 $116 $1,408 $117
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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and South Carolina minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Information does not factor in your specific Columbia location which can revise rates substantially.

Based on the figures above, using a $250 deductible could cost the average driver approximately $18 more each month or $216 every year than requesting the higher $500 deductible. Because you would pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you tend to have at a minimum 14 months between claim filings, you would save money if you opt for a higher deductible.

Don't neglect these discounts on Nissan 370Z insurance in Columbia

Not too many consumers would say car insurance is affordable, but you may be missing some discounts that could help you make your next renewal payment. A few discounts will be applied when you get a quote, but some discounts are required to be requested specifically prior to receiving the credit.Save money with discounts

Discounts save money, but please remember that most discount credits are not given to all coverage premiums. Most only reduce specific coverage prices like liability, collision or medical payments. So when it seems like you would end up receiving a 100% discount, that's just not realistic.

A list of car insurance companies and their possible discounts include:

When quoting, ask every prospective company the best way to save money. All car insurance discounts might not be offered on policies in Columbia.

Get More Affordable Insurance Premiums by Understanding These Factors

Many things are taken into consideration when you get a price on insurance. Some of the criteria are obvious such as your driving record, although some other factors are not as apparent such as your credit history or how financially stable you are.

Bad drivers pay high costs - Having a clean driving record influences premium rates substantially. Even a single driving citation can increase rates by as much as thirty percent. Careful drivers have lower premiums than their less careful counterparts. Drivers who have serious violations like DWI, reckless driving or hit and run convictions may need to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to drive a vehicle legally.

Never let your policy lapse - Driving your car without having proper coverage is against the law and any future policy may cost more because you let your insurance lapse for non-payment. Not only will you pay higher rates, failure to provide proof of insurance can result in a revoked license or a big fine. You may need to prove you have insurance by filing a SR-22 with the South Carolina department of motor vehicles.

Policy add-ons may not be needed - Policies have extra coverages that may not really be needed but may not be useful. Insurance for rental car coverage, towing coverage, and motor club memberships could be just wasting money. They may sound like good ideas when buying your policy, but if you don't need them remove them and pocket the money.

Too many insurance claims will drive prices up - Auto insurance companies in South Carolina provide discounts to policyholders who are not frequent claim filers. If you tend to file frequent claims, you can expect either policy cancellation or increased premiums. Insurance coverage is intended for major claims that would cause financial hardship.

Gender and insurance premiums - The statistics show that females take fewer risks when driving. Now that doesn't mean women are better drivers. Men and women get in auto accidents in similar percentages, but males have costlier accidents. Men also receive more costly citations like DWI (DUI) or reckless driving. Male drivers age 16 to 19 are the most expensive to insure and are penalized with high car insurance rates.

Good credit scores equal low prices - Credit rating is a big factor in calculating your premium rate. Insureds that have high credit ratings tend to be better risks to insure than those with worse credit. Therefore, if your credit history is low, you could potentially save money when insuring your Nissan 370Z by spending a little time repairing your credit.

Nissan 370Z claim statistics - Companies use data from past claims to help calculate a profitable premium rate. Models that have higher claim amounts or frequency will cost more for coverage. The table below outlines the actual insurance loss data for Nissan 370Z vehicles.

For each coverage category, the loss probability for all vehicles, regardless of make or model, is represented as 100. Values that are 100 or less mean the vehicle has better than average losses, while numbers above 100 point to more claims or larger claims.

Insurance Loss Ratings for Nissan 370Z Vehicles

Vehicle Make and 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: Insurance Institute for Highway Safety for 2013-2015 Model Years

Buying car insurance from Columbia car insurance agents

Many drivers still prefer to get professional advice from a licensed agent and that is recommended in a lot of cases One of the great benefits of comparing car insurance online is you can get cheaper premium rates and still choose a local agent.

Insurance agency in ColumbiaBy using this simple form, your insurance data is transmitted to participating agents in Columbia who will give you quotes and help you find cheaper coverage. You won't even need to even leave your home since rate quotes are delivered to you. You can find lower rates and a licensed agent to work with. If you want to get a rate quote for a specific company, just search and find their rate quote page and fill out the quote form the provide.

Finding the right provider should depend on more than just the premium amount. Here are some questions to ask:

When narrowing the list to find a reputable agency, it helps to know the two different agency structures that you can select. Car insurance agencies are classified as either independent or exclusive depending on the company they work for.

Exclusive Car Insurance Agencies

Exclusive agencies have only one company to place business with and examples are AAA, Allstate, and State Farm. Exclusive agents are unable to compare other company's rates so keep that in mind. Exclusive agents are usually well trained on sales techniques which helps offset the inability to provide other markets.

Shown below are Columbia exclusive insurance agencies that are able to give rate quotes.

10014 Two Notch Rd d - Columbia, SC 29223 - (803) 865-0047 - View Map

1821 Clemson Rd #1 - Columbia, SC 29229 - (803) 865-7800 - View Map

1945 Decker Blvd Ste 13 - Columbia, SC 29206 - (803) 661-6690 - View Map

View more Columbia agents

Independent Insurance Agents

Agents that choose to be independent often have affiliation with several companies so they can write business through many companies and find you cheaper rates. If they quote lower rates, they can switch companies in-house and you stay with the same agent. When comparing car insurance rates, you need to include rate quotes from at least one independent agent to ensure the widest selection of prices.

Shown below are Columbia independent agents willing to provide comparison quotes.

455 St Andrews Rd # A2 - Columbia, SC 29210 - (803) 772-3122 - View Map

1 Fernandina Ct - Columbia, SC 29212 - (803) 732-0060 - View Map

2718 Middleburg Dr - Columbia, SC 29204 - (803) 779-7666 - View Map

View more Columbia agents

You can find cheap coverage

Discount Nissan 370Z insurance in Columbia can be found both online and with local Columbia insurance agents, and you should compare rates from both to have the best chance of lowering rates. There are still a few companies who may not offer online price quotes and these smaller providers work with independent agencies.

When getting Columbia auto insurance quotes online, it's a bad idea to sacrifice coverage to reduce premiums. There are too many instances where someone sacrificed collision coverage and learned later that it was a big mistake. Your strategy should be to find the BEST coverage at the best cost, but do not sacrifice coverage to save money.

Throughout this article, we presented some good ideas how you can lower your Nissan 370Z insurance auto insurance rates in Columbia. The key thing to remember is the more quotes you get, the better your chances of lowering your premium rates. You may even find the biggest savings come from the smaller companies. These smaller insurers often have lower premium rates on specific markets compared to the large companies like State Farm and Allstate.

More tips and info about car insurance is available by following these links: