View 2010 Nissan GT-R Car Insurance Cost in 2024

Pretty sure you bought an expensive insurance coverage policy? Trust us when we tell you many drivers have buyer’s remorse. Lots of insurers contend to insure your vehicles, and it can be difficult to compare rates and get the best coverage at the best rates possible.

It’s a good idea to quote other rates before your next renewal since insurance rates trend upward over time. Even if you think you had the best premium rates for GT-R coverage a couple years back you can probably find a lower rate today. There are lots of tips to save on insurance coverage online, but in just a couple of minutes you can learn some great ideas on how to stop overpaying for insurance.

Car insurance quotes comparison

Effectively comparing car insurance prices can be a daunting task if you don’t understand the best way to get rate quotes. You can waste hours driving to insurance agencies in your area, or you could save time and use online quoting to achieve your goal.

All the larger companies enroll in a system that enables customers to enter their coverage request one time, and each participating company provides a quote determined by their information. This system prevents you from having to do quote forms to each company.

To compare rates using this form now enter your zip code here.

The single downside to doing it this way is that you can’t choose the insurers you want to price. So if you want to choose specific providers to compare prices, we have assembled a list of the cheapest car insurance companies in your area. Click to enter zip code for insurance companies.

It’s up to you how you get prices quotes, just try to use identical deductibles and coverage limits for every company. If the quotes have different deductibles then you won’t be able to determine the lowest rate for your Nissan GT-R.

Discounts can really help save money

Car insurance companies do not advertise all possible discounts in a way that’s easy to find, so the next list breaks down both well-publicized and the more hidden ways to save on insurance coverage.

• College Student – Older children who live away from home to go to college and leave their car at home may be insured at a cheaper rate.
• Low Miles Discount – Driving fewer miles can earn discounted rates on garaged vehicles.
• Payment Method – By paying your policy upfront rather than spreading payments over time you may have a lower total premium amount.
• Own a Home – Just owning your own home can earn you a little savings because of the fact that having a home requires personal responsibility.
• Safety Restraint Discount – Drivers who require all vehicle occupants to buckle up before driving can save a little off PIP or medical payments premium.
• One Accident Forgiven – but some companies like Progressive, Allstate, and Liberty Mutual may permit one accident without getting socked with a rate hike as long as you don’t have any claims for a certain period of time.
• Driver Safety – Taking part in a safe driver class could save 5% or more and also improve your driving technique.
• Air Bag Discount – Vehicles equipped with air bags and/or automatic seat belt systems can get savings as much as 30%.
• Military Rewards – Having an actively deployed family member could trigger a small discount.
• Telematics Data – Drivers who agree to allow driving data submission to spy on their driving habits by installing a telematics device like In-Drive from State Farm and Progressive’s Snapshot could possibly reduce rates as long as they are good drivers.

You can save money using discounts, but most discounts do not apply to the overall cost of the policy. Most only reduce individual premiums such as medical payments or collision. So even though they make it sound like all those discounts means the company will pay you, insurance companies wouldn’t stay in business.

A few popular companies and a summarized list of policyholder discounts are shown below.

• Progressive may offer discounts for homeowner, good student, multi-policy, multi-vehicle, continuous coverage, and online signing.
• SAFECO may have discounts that include multi-car, anti-lock brakes, anti-theft, homeowner, and safe driver.
• American Family includes discounts for good driver, early bird, accident-free, Steer into Savings, good student, and TimeAway discount.
• MetLife has savings for accident-free, defensive driver, good student, good driver, and claim-free.
• GEICO has discounts for defensive driver, anti-theft, daytime running lights, anti-lock brakes, federal employee, and military active duty.
• The Hartford offers discounts for vehicle fuel type, driver training, good student, bundle, and air bag.

Before purchasing a policy, check with each company or agent the best way to save money. Depending on the company, some discounts may not apply to policyholders in your state. To see a list of companies with significant discounts, enter your zip code here.

Informed drivers know how to get auto insurance at a discount

Multiple criteria are taken into consideration when you quote your car insurance policy. A few of the factors are predictable like your driving record, although others are less apparent like your vehicle usage or how safe your car is. Smart consumers have a good feel for some of the factors that help determine the level of your policy premiums. When you know what positively or negatively impacts premium levels, this empowers consumers to make smart changes that could help you find lower rates.

The list below includes a partial list of the pieces used by insurance companies to determine rates.

• Being married reduces risk – Having a significant other can get you a discount when buying auto insurance. Marriage may mean you are less irresponsible and it’s statistically proven that married drivers tend to file fewer claims.
• Careless driving leads to higher premiums – Attentive drivers pay less for auto insurance compared to drivers with tickets. Even a single moving violation may cause rates to rise by twenty percent. Drivers who have gotten license-revoking tickets like reckless driving or DUI might be required by their state to prove financial responsibility to the state department of motor vehicles in order to drive a vehicle legally.
• Urban residents pay more – Being located in less populated areas may provide you with better prices when trying to find low car insurance rates. People in densly populated areas regularly have more aggressive driving styles and higher rates of accident claims. Less people living in that area means a lower chance of having an accident and also fewer theft and vandalism claims.
• Safer occupants lowers premiums – Safe vehicles tend to be cheaper to insure. Highly rated vehicles protect occupants better and lower injury rates translates into fewer and smaller insurance claims which can mean better rates for you.
• Men pay more for car insurance – Statistics show that women are safer drivers than men. That doesn’t necessarily mean that women are BETTER drivers than men. Men and women tend to get into fender benders in similar percentages, but guys tend to have more serious accidents. Men also tend to get more serious tickets such as DWI and reckless driving. Males from age 16 to 21 are most likely to cause an accident and therefore pay the highest rates.
• Auto insurance lapses lead to higher premiums – Having a gap between insurance policy dates is a fast way to pay more for auto insurance. In addition to paying higher premiums, failure to provide proof of insurance may earn you fines and jail time.
• Auto insurance rates and age – Mature drivers are more responsible, file fewer claims and tend to be get fewer driving tickets. Teenage drivers have a tendency to be careless and easily distracted when at the wheel of a vehicle so they pay higher auto insurance rates.
• Consolidate policies and save money – The majority of auto insurance companies apply discounts to insureds that purchase more than one policy in the form of a multi-policy discount. The amount of the discounts can be as much as ten percent or more Even if you already get this discount, you still need to get quotes from other companies to help ensure you have the lowest rates.

Will just any policy work for me?

When choosing coverage, there is no one size fits all plan. Every insured’s situation is different so your insurance should reflect that Here are some questions about coverages that can aid in determining if you may require specific advice.

• When would I need additional glass coverage?
• Do I need rental car coverage?
• Is borrowed equipment or tools covered if stolen or damaged?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Can I afford low physical damage deductibles?
• Can I rate high risk drivers on liability-only vehicles?
• Can my babysitter drive my car?
• When can I cancel my policy?

If it’s difficult to answer those questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, take a second and enter your zip code. It is quick, free and can help protect your family.

Will you really save $445 on auto insurance?

Consumers can’t avoid all the ads that claim the lowest premium rates by companies like GEICO, State Farm and Progressive. All the ads advertise the message that drivers can save some big amount if you move your auto insurance coverage to their company.

It sounds good, but how can they all charge less that you’re paying now?

Insurance companies provide the lowest rates for the type of driver that earns them the most money. For example, a driver they prefer could possibly be between the ages of 30 and 50, has a clean driving record, and has a high credit rating. Any driver that hits that “sweet spot” will get a cheap rate quote and will also save a lot of money.

Potential insureds who don’t measure up to this stringent profile may be forced to pay a higher premium and the prospect going elsewhere. The wording the ads use say “drivers that switch” but not “all drivers who get quotes” save that much money. That is how insurance companies can confidently make claims that they all have the best prices. Different companies use different criteria so you should compare free insurance quotes often. Because without a comparison, you cannot know which insurance companies will provide you with the cheapest premium rates.

Insurance coverage breakdown

Having a good grasp of your policy aids in choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be confusing and reading a policy is terribly boring. Below you’ll find typical coverage types found on the average insurance policy.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage kick in for bills for things like nursing services, X-ray expenses, rehabilitation expenses, ambulance fees and prosthetic devices. The coverages can be used to fill the gap from your health insurance program or if you do not have health coverage. It covers both the driver and occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability coverage – This coverage provides protection from damages or injuries you inflict on a person or their property. This insurance protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 50/100/50 which means a limit of $50,000 per injured person, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability insurance covers things such as pain and suffering, attorney fees and repair bills for other people’s vehicles. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

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

Comprehensive can pay for things such as damage from a tornado or hurricane, fire damage, a broken windshield, falling objects and damage from getting keyed. The highest amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision coverage – This coverage will pay to fix damage to your GT-R resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as driving through your garage door, hitting a parking meter and crashing into a building. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist (UM/UIM) – This provides protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family and also any damage incurred to your 2010 Nissan GT-R.

Since many drivers 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 should not be overlooked.

Keep this in mind

When you buy insurance online, do not buy lower coverage limits just to save a few bucks. There are too many instances where consumers will sacrifice liability limits or collision coverage only to regret that it was a big mistake. Your strategy should be to purchase a proper amount of coverage at the best price while not skimping on critical coverages.

Some companies do not offer internet price quotes and these smaller providers only sell through local independent agencies. Cheap 2010 Nissan GT-R insurance can be bought from both online companies in addition to local insurance agencies, so you need to compare both in order to have the best price selection to choose from.