Compare 2014 Nissan GT-R Car Insurance Quotes in 2024

Nobody loves paying for auto insurance, in particular when the cost is too high. Numerous car insurance companies battle for your insurance dollar, and because of this it can be hard to compare insurers to find the lowest price

It is always a good idea to compare rates on a regular basis because rates are rarely the same from one policy term to another. Even if you think you had the lowest premium rates for GT-R coverage two years ago you can probably find a lower rate today. Don’t believe everything you read about auto insurance on the internet, but in this article, you’re going to get some guaranteed methods to save money.

If you have a policy now or are just looking to switch companies, you will benefit by learning to reduce the price you pay and still get good coverage. Finding affordable coverage is easy if you know what you’re doing. Drivers only need to know the best way to buy insurance online.

How your GT-R insurance premiums are determined

Lots of factors are part of the equation when you get your auto insurance bill. A few of the factors are predictable such as your driving record, but other criteria are less apparent such as whether you are married or your commute time. When buying car insurance it’s important to understand the factors that go into determining the rates you pay for car insurance. If you know what positively or negatively impacts your premiums, this empowers consumers to make smart changes that will entitle you to better car insurance rates.

• How your age affects premiums – Teen drivers have a tendency to be less responsible when at the wheel of a vehicle and because of this, their car insurance rates are much higher. Parents adding a teenage driver onto a policy can be quite pricey. Older insureds are more responsible, file fewer claims , and usually have better credit.
• How much liability coverage do you need? – Liability coverage will protect you in the event that you are determined to be liable for physical damage or personal injury to other. Liability insurance provides for a legal defense which can be incredibly expensive. Carrying liability coverage is mandatory and cheap compared to comp and collision, so drivers should make sure they buy enough to cover all assets.
• Discounts for married couples – Having a spouse may cut your premiums on your policy. It means you’re more financially stable and insurance companies reward insureds because married couples file fewer claims.
• lapses raise car insurance rates – Driving without insurance coverage in place is a misdemeanor and any future policy may cost more because you let your insurance expire. And not only will your rates increase, getting caught without coverage might get you a license revocation or jail time.
• Add-on coverages that aren’t used – There are many extra bells and whistles that can waste your money if you aren’t careful. Things like roadside assistance, towing coverage, and membership fees may be costing you every month. The coverages may be enticing when you first buy your policy, but if you don’t need them remove them from your policy.
• Gender and insurance coverage premiums – Statistics show that females take fewer risks when driving. Now that doesn’t mean men are worse drivers. Both sexes are in fender benders in similar numbers, but the males get into accidents with more damage. Men also tend to get more serious tickets like DWI (DUI) or reckless driving.
• Does your vocation cost you more? – Do you have a high-stress occupation? Jobs like military personnel, business owners and emergency personnel tend to pay higher average rates attributed to intense work situations and extremely grueling work hours. On the flip side, occupations like farmers, engineers and retirees have the lowest average rates for GT-R coverage.

How to get cheap car insurance

Performing a rate comparison can be a lot of work if you aren’t aware of the most efficient way to do it. You can spend countless hours driving to insurance companies in your area, or you could use online quotes to get rates in a matter of minutes.

Many companies enroll in a system where prospective buyers only type in their quote data once, and every company returns a rated price based on the submitted data. This system prevents you from having to do quote requests to every company.

To access this free quoting program, enter your zip code here.

The single downside to using this type of system is you are unable to specify which providers you will receive quotes from. So if you want to select specific providers for rate comparison, we have assembled a list of companies who write car insurance in your area. Click to enter zip code for insurance companies.

It’s your choice how you get your quotes, but ensure you are comparing identical coverage information for each comparison quote. If the quotes have higher or lower deductibles it will be impossible to determine the best price for your Nissan GT-R.

Lower-cost insurance coverage rates with discounts

Not too many consumers would say insurance coverage is affordable, but there may be some discounts that many people don’t even know exist. Some discounts apply automatically at the time you complete a quote, but a few must be inquired about in order for you to get them.

• Pay Now and Pay Less – By making one initial payment rather than paying monthly you may have a lower total premium amount.
• Low Miles Discount – Fewer annual miles on your Nissan can qualify you for substantially lower insurance coverage rates.
• Data Collection Discounts – Insureds who allow their insurance company to scrutinize driving manner by using a telematic data system like Drivewise from Allstate or In-Drive from State Farm might get better premium rates if they have good driving habits.
• E-sign – Some companies may give you up to $50 just for signing your application on their website.
• Claim-Free Discount – Drivers who don’t have accidents have much lower rates when compared to drivers who are more careless.
• Discount for Home Ownership – Owning a home may trigger a policy discount on insurance coverage because owning a home requires a higher level of personal finance.
• College Student Discount – Older children who are attending college without a vehicle on campus may qualify for this discount.
• Air Bag Discount – Vehicles equipped with air bags and/or automatic seat belt systems may qualify for discounts of up to 25% or more.
• Driver Safety – Participating in a defensive driver class could possibly earn you a 5% discount and easily recoup the cost of the course.

As a sidenote, most discount credits are not given to the entire cost. Most cut the price of certain insurance coverages like collision or personal injury protection. So even though it sounds like adding up those discounts means a free policy, you aren’t that lucky.

Auto insurance companies who might offer some of the above discounts possibly include:

• American Family
• Farm Bureau
• State Farm
• Travelers
• The Hartford
• GEICO
• Progressive

If you are trying to find inexpensive insurance coverage quotes, ask each company or agent to give you their best rates. Some discounts may not apply to policies in your area.

Tailor your insurance coverage to you

When it comes to choosing the best insurance coverage for your vehicles, there is no best way to insure your cars. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. These are some specific questions may help highlight whether you could use an agent’s help.

• What is UM/UIM insurance?
• Do I need PIP (personal injury protection) coverage in my state?
• Should I buy additional glass protection?
• Is my babysitter covered when using my vehicle?
• What companies insure drivers after a DUI or DWI?
• Does my 2014 Nissan GT-R need full coverage?
• What exactly is covered by my policy?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete your zip code. It’s fast, doesn’t cost anything and may give you better protection.

Specifics of your insurance policy

Learning about specific coverages of your insurance policy helps when choosing which coverages you need for your vehicles. Policy terminology can be confusing and nobody wants to actually read their policy. Below you’ll find the normal coverages found on most insurance policies.

Medical expense insurance

Medical payments and Personal Injury Protection insurance pay for immediate expenses like ambulance fees, nursing services, dental work, pain medications and doctor visits. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and may carry a deductible

Protection from uninsured/underinsured drivers

This gives you protection from other motorists when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your 2014 Nissan GT-R.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Liability coverage

This will cover damages or injuries you inflict on other people or property in an accident. It protects you from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged property.

Liability coverage pays for claims like loss of income, pain and suffering and attorney fees. How much coverage you buy is a decision to put some thought into, but buy as large an amount as possible.

Comprehensive (Other than Collision)

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as damage from getting keyed, damage from a tornado or hurricane and hail damage. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision protection

Collision coverage covers damage to your GT-R from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as hitting a parking meter, scraping a guard rail, damaging your car on a curb and crashing into a ditch. This coverage can be expensive, so consider removing coverage from older vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Feed the piggy bank

Low-cost 2014 Nissan GT-R insurance is attainable on the web as well as from independent agents, so you should be comparing quotes from both to have the best rate selection. Some insurance coverage companies may not have online quoting and these small, regional companies work with local independent agencies.

When buying insurance coverage, do not buy less coverage just to save a little money. There have been many cases where an insured cut uninsured motorist or liability limits only to discover later that the savings was not a smart move. Your goal should be to buy the best coverage you can find at the best cost, not the least amount of coverage.