2022 Nissan GT-R Car Insurance Quotes in 2024 – 9 Tips to Save

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 8, 2024

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Scraping up a payment for high-priced Nissan GT-R insurance can bottom out your checking account and force you to tighten up your finances.

Having so many options when it comes to car insurance, it’s difficult to locate the most cost effective car insurance company.

Shopping for the cheapest insurance is easy if you know what you’re doing. Basically, everyone who buys insurance should be able to save money. Nevertheless, vehicle owners should learn how big insurance companies sell insurance online and use this information to your advantage.

Affordable auto insurance quotes online

Effectively comparing auto insurance prices can be a daunting task if you aren’t aware of the most efficient way. You can waste a lot of time talking about coverages with insurance agencies in your area, or you could use the web to accomplish the same thing much quicker.

Many insurance companies are enrolled in a marketplace that allows shoppers to enter their policy data once, and at least one company returns a rated price for coverage. This eliminates the need for quotation requests to every company.

To fill out one form to compare multiple rates now enter your zip code here.

The single downside to getting quotes like this is that consumers can’t choose which insurance companies you want pricing from. If you would rather choose specific insurance companies for rate comparison, we have assembled a list of companies who write auto insurance in your area. Click to enter zip code.

The method you choose is up to you, but try to keep exactly the same quote information for every quote you compare. If you have different liability limits it’s not possible to find the best deal for your Nissan GT-R. Just a small difference in coverages may result in a large different in cost. Just remember that comparing more company’s prices will enable you to find lower pricing. Some insurance companies are not set up to provide online quotes, so you need to compare prices from those companies as well.

Verify you’re getting every discount

Not too many consumers would say insurance is affordable, but you may find discounts that can help lower your rates. Most are applied when you quote, but occasionally some discounts must be asked about before you get the savings.

  • Accident Waiver – This one isn’t a discount, but a handful of insurance companies allow you one accident before they charge you more for coverage with the catch being you have to be claim-free before the accident.
  • Discounts for Federal Employees – Simply working for the federal government could cut as much as 10% off for GT-R insurance depending on your company.
  • Multiple Vehicles – Drivers who insure all your vehicles with the same insurance company can reduce rates for all insured vehicles.
  • Sign Early and Save – Select companies give a discount for buying a new policy early. The savings is around 10%.
  • Student Discounts – Maintaining excellent grades can get you a discount of up to 25%. The good student discount can last up to age 25.
  • Mature Driver Discount – Mature drivers may receive a discount up to 10% for GT-R insurance.
  • College Student – Older children who live away from home at college and do not have access to a covered vehicle can receive lower rates.
  • Discounts for Cautious Drivers – Accident-free drivers can save as much as half off their rates for GT-R insurance compared to accident prone drivers.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles prevent accidents and earn discounts up to 10%.

Policy discounts save money, but some of the credits will not apply to the whole policy. The majority will only reduce specific coverage prices like liability and collision coverage. Even though the math looks like you would end up receiving a 100% discount, you aren’t that lucky. Any amount of discount should definitely cut your policy cost.

Popular insurance companies and a partial list of their discounts are outlined below.

  • State Farm offers premium reductions for anti-theft, Drive Safe & Save, Steer Clear safe driver discount, accident-free, good driver, student away at school, and safe vehicle.
  • American Family has discounts for Steer into Savings, good driver, defensive driver, accident-free, and bundled insurance.
  • GEICO may have discounts that include good student, multi-policy, emergency military deployment, federal employee, seat belt use, and driver training.
  • 21st Century includes discounts for 55 and older, defensive driver, teen driver, early bird, homeowners, and good student.
  • Progressive may offer discounts for continuous coverage, multi-vehicle, online quote discount, good student, homeowner, and multi-policy.

If you want low cost insurance coverage quotes, ask each company which discounts you qualify for. Discounts might not be available to policyholders everywhere. If you would like to see a list of insurance companies that offer some of these discounts, enter your zip code here.

When should I discuss my situation with an agent?

When choosing proper insurance coverage for your personal vehicles, there really is no perfect coverage plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. For example, these questions can aid in determining if you will benefit from professional help.

  • Am I better off with higher deductibles on my 2022 Nissan GT-R?
  • Am I missing any policy discounts?
  • Will I lose any money if I cancel my policy before it expires?
  • Are my friends covered when driving my car?
  • How much liability insurance is required?
  • Are split liability limits better than a combined single limit?
  • Do I have coverage if my license is suspended?
  • Is my teen driver covered when they drive my company car?
  • Can I rate high risk drivers on liability-only vehicles?
  • Why does it cost so much to insure a teen driver?

If you can’t answer these questions but you know they apply to you then you might want to talk to an insurance agent. If you want to speak to an agent in your area, complete your zip code.

Car insurance coverage specifics

Knowing the specifics of your policy can help you determine which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Below you’ll find the normal coverages found on the average car insurance policy.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage gives you protection when other motorists either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your 2022 Nissan GT-R.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time these limits are similar to your liability insurance amounts.


This provides protection from damages or injuries you inflict on people or other property in an accident. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged property. Occasionally you may see one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for things such as repair bills for other people’s vehicles, structural damage and emergency aid. How much liability should you purchase? That is up to you, but you should buy as much as you can afford.

Coverage for collisions

This coverage will pay to fix damage to your GT-R resulting from a collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like rolling your car, colliding with a tree, crashing into a ditch and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to choose a higher deductible to bring the cost down.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as a broken windshield, hail damage, rock chips in glass, damage from getting keyed and damage from flooding. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for bills like pain medications, surgery, X-ray expenses and EMT expenses. They are utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Save your cold hard cash

When searching for the cheapest insurance coverage quotes, it’s a bad idea to buy lower coverage limits just to save a few bucks. There have been many situations where an accident victim reduced liability limits or collision coverage and found out when filing a claim that they should have had better coverage. The proper strategy is to buy the best coverage you can find at the best possible price, but do not sacrifice coverage to save money.

Cheaper insurance can be bought on the web as well as from insurance agents, and you need to price shop both to get a complete price analysis. Some insurance companies do not provide internet price quotes and many times these small insurance companies provide coverage only through independent agents.

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