2013 Nissan GT-R Insurance Quotes in 2024

Having to pay for expensive auto insurance can stress out your savings and make it tough to pay other bills. Comparing cost estimates is a smart way to lower your bills every month.

Insurance companies such as State Farm, Progressive and GEICO all claim big savings with catchy ads and it is difficult to see past the corporate glitz and take the time to shop coverage around.

It is always a good idea to compare premium rates on a regular basis because auto insurance prices are variable and change quite frequently. Just because you had the best rate on GT-R insurance a year ago the chances are good that you can find a lower premium rate today. There is too much inaccurate information about auto insurance online but I’m going to show you a lot of great tips on how to reduce your auto insurance bill.

Drivers save money with these discounts

Auto insurance companies don’t always list all discounts very clearly, so the list below details a few of the more common and also the lesser-known credits available to bring down your rates.

• Life Insurance Discount – Some insurance companies give lower rates if you buy auto and life insurance together.
• Save over 55 – Mature drivers are able to get a discount up to 10% on GT-R insurance.
• Good Driver Discount – Accident-free drivers can save up to 40% or more on their car insurance quote on GT-R insurance than drivers with accident claims.
• Low Miles Discount – Driving less can earn better prices on cars that stay parked.
• Paperless Signup – Certain larger companies may give you up to $50 shop car insurance on their website.
• Multiple Vehicles – Buying insurance for primary and secondary vehicles with one company can reduce the rates for all insured vehicles.
• ABS Braking Discount – Cars and trucks with ABS braking systems or traction control can reduce accidents and qualify for as much as a 10% discount.
• Bundled Policy Discount – If you have multiple policies with the same insurance company you will save 10% to 20% off each policy.
• Homeowners Savings – Simply owning a home can earn you a little savings because maintaining a house is proof that your finances are in order.

Just know that most discounts do not apply to the entire cost. The majority will only reduce individual premiums such as liability, collision or medical payments. Despite the fact that it seems like having all the discounts means you get insurance for free, companies wouldn’t make money that way.

A few of the larger companies and the discounts they provide are included below.

• State Farm may include discounts for Steer Clear safe driver discount, good driver, defensive driving training, passive restraint, good student, student away at school, and driver’s education.
• American Family offers discounts including early bird, defensive driver, mySafetyValet, air bags, bundled insurance, multi-vehicle, and TimeAway discount.
• AAA may have discounts that include good student, multi-policy, pay-in-full, education and occupation, and AAA membership discount.
• GEICO policyholders can earn discounts including multi-policy, emergency military deployment, federal employee, military active duty, seat belt use, and daytime running lights.
• Mercury Insurance may offer discounts for location of vehicle, multi-car, ease of repair, annual mileage, good student, and age of vehicle.
• Farmers Insurance offers discounts for mature driver, multi-car, good student, business and professional, youthful driver, and distant student.
• Progressive has discounts for homeowner, good student, online quote discount, multi-policy, and continuous coverage.

When quoting, ask each company which discounts can lower your rates. Some discounts may not be offered in your area. To find insurance companies that offer multiple discounts, enter your zip code here.

How to buy insurance coverage online

Finding low cost 2013 Nissan GT-R insurance coverage prices is an easy way to save money. The only requirement is to take the time getting comparison quotes online from several insurance companies. You can get a good selection of rate quotes using a couple different methods.

If you are pressed for time, the simplest way to get the best comparison quotes is to use a rate comparison form. This easy form eliminates the need for repetitive form entry for every company. A single, simple form will get you rate comparisons from multiple companies.

Another way to obtain and compare quotes online requires a visit to each individual company website to complete a price quote. For instance, let’s say you want to get rates from Liberty Mutual, Esurance and Allstate. To do that, you would have to visit each site and enter your information, which explains why we recommend starting with the first method.

Take whichever approach you prefer, but ensure you’re using apples-to-apples quote information with each company. If you compare unequal deductibles or liability limits you will not be able to make a fair comparison for your Nissan GT-R.

How do insurance providers determine Nissan GT-R insurance costs?

Lots of things are part of the calculation when you get a price on insurance. Most are fairly basic like your driving record, but other criteria are more obscure such as your marital status or your financial responsibility.

• Better premiums with anti-theft devices – Selecting a car model with advanced anti-theft systems can get you a discount on your insurance coverage. Theft deterrent systems like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart vehicle theft.
• Discounts for married couples – Having a spouse helps lower the price on your insurance coverage bill. Having a spouse may mean you are more mature than a single person and it’s proven that drivers who are married are more cautious.
• Bad driving leads to higher rates – Drivers with clean records pay less for auto insurance as compared to careless drivers. Even one citation can boost insurance rates forty percent or more. Drivers who have received dangerous violations like reckless driving or DUI may face state-mandated requirements to submit a SR-22 form to the state department of motor vehicles in order to drive a vehicle legally.
• Do men or women drive better? – Statistics show that men are more aggressive behind the wheel. It does not mean females are better drivers. Women and men get in accidents at a similar rate, but the men tend to have more serious accidents. Men also statistically have more aggressive citations such as DWI and reckless driving.
• Save money with high credit – Having a bad credit rating is likely to be a major factor in calculating your premium rate. So if your credit history leaves room for improvement, you could potentially save money when insuring your 2013 Nissan GT-R by taking the time to improve your credit score. Insureds that have good credit tend to file fewer claims and have better driving records than those with poor credit scores.

Special considerations

When choosing the best insurance coverage, there isn’t really a cookie cutter policy. Everyone’s needs are different and your policy should reflect that. For instance, these questions might point out whether your personal situation might need professional guidance.

• Are my tools covered if they get stolen from my vehicle?
• Does my medical payments coverage pay my health insurance deductible?
• Am I getting all the discounts available?
• Am I covered when driving a rental car?
• Can I afford low physical damage deductibles?
• When would I need additional glass coverage?
• Will filing a claim cost me more?
• Am I covered if my car is in a flood?
• If my pet gets injured in an accident are they covered?
• How much underlying liability do I need for an umbrella policy?

If you don’t know the answers to these questions, you may need to chat with an agent. If you don’t have a local agent, fill out your zip code. It is quick, free and can provide invaluable advice.

Auto insurance coverages

Understanding the coverages of your auto insurance policy aids in choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Listed below are the usual coverages found on most auto insurance policies.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as hitting a deer, hail damage, damage from flooding and damage from a tornado or hurricane. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage provides protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and also any damage incurred to your 2013 Nissan GT-R.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Usually the UM/UIM limits are set the same as your liability limits.

Insurance for medical payments

Med pay and PIP coverage kick in for immediate expenses for doctor visits, funeral costs and rehabilitation expenses. They can be used to fill the gap from your health insurance program or if you are not covered by health insurance. Coverage applies to all vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Collision coverage protection

This coverage pays to fix your vehicle from damage caused by collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims like damaging your car on a curb, hitting a mailbox and crashing into a ditch. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Coverage for liability

Liability coverage will cover damage or injury you incur to people or other property in an accident. It protects YOU from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged property. Another option is a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims like emergency aid, court costs, loss of income, legal defense fees and repair costs for stationary objects. The amount of liability coverage you purchase is a personal decision, but consider buying as much as you can afford.

Be a money saver!

When you buy car insurance online, don’t be tempted to buy lower coverage limits just to save a few bucks. There are many occasions where an accident victim reduced full coverage to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your objective should be to get the best coverage possible at the best possible price, but don’t skip important coverages to save money.

Throughout this article, we presented some good ideas how you can save on 2013 Nissan GT-R insurance. The most important thing to understand is the more providers you compare, the better your chances of lowering your auto insurance rates. Consumers may even find the lowest rates are with a smaller regional carrier. Smaller companies may cover specific market segments cheaper as compared to the big name companies such as Allstate, GEICO and Progressive.