It takes a little time, but the best way to quote cheaper Nissan 370Z insurance is to start comparing prices yearly from different companies that insure vehicles in Scottsdale. Rates can be compared by completing these steps.
- Step 1: Learn about individual coverages and the factors you can control to drop your rates. Many risk factors that result in higher rates like traffic tickets, fender benders, and a less-than-favorable credit history can be controlled by making small lifestyle or driving habit changes.
- Step 2: Get rate quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only give prices from one company like Progressive or Farmers Insurance, while agents who are independent can give you price quotes for many different companies.
- Step 3: Compare the new rates to your current policy premium to see if you can save by switching companies. If you can save money, make sure the effective date of the new policy is the same as the expiration date of the old one.
- Step 4: Give notification to your agent or company of your intent to cancel your current policy. Submit the signed application along with the required initial payment to your new company or agent. Once the paperwork is finalized, put the new proof of insurance certificate in an accessible location in your vehicle.
An essential thing to point out is to use similar coverage information on each quote and and to get prices from every company you can. This enables the most accurate price comparison and the best rate selection.
A recent auto insurance study discovered that a large majority of consumers kept buying from the same company for over three years, and about 40% of consumers have never shopped around. The average driver in Arizona could save approximately $700 a year by just shopping around, but most just don’t grasp how much they could save if they swap their current policy for a cheaper one.
Most of the larger companies like State Farm and Allstate provide coverage price quotes directly from their websites. Doing online quotes for Nissan 370Z insurance in Scottsdale can be done by anyone because it’s just a matter of typing in your required coverages into the form. Upon sending the form, their rating system pulls reports for credit and driving violations and returns a price based on these and other factors. Getting online price quotes for Nissan 370Z insurance in Scottsdale makes it simple to compare prices and it’s necessary to get many rate quotes if you are searching for a lower rate.
To quickly use this form to compare rates, take a look at the companies shown below. If you currently have coverage, we recommend you complete the form with your coverages identical to your current policy. This makes sure you will get rate quotes using the same coverage and limits.
The following companies provide price quotes in Scottsdale, AZ. If your goal is to find the cheapest car insurance in Scottsdale, AZ, we suggest you visit as many as you can in order to find the most competitive rates.
Coverage statistics and figures
The coverage information displayed next showcases different coverage costs for Nissan 370Z models. Being aware of how rate quotes are established can help customers make smart choices when purchasing an insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 370Z 2-Dr Coupe | $156 | $376 | $440 | $26 | $132 | $1,130 | $94 |
| 370Z 2-Dr Roadster | $172 | $376 | $390 | $24 | $116 | $1,078 | $90 |
| 370Z Touring 2-Dr Coupe | $172 | $426 | $440 | $26 | $132 | $1,196 | $100 |
| 370Z Touring 2-Dr Roadster | $172 | $376 | $390 | $24 | $116 | $1,078 | $90 |
| 370Z Nismo 2-Dr Coupe | $172 | $476 | $440 | $26 | $132 | $1,246 | $104 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Prices do not factor in your specific Scottsdale location which can revise premiums noticeably.
Physical damage deductibles
When shopping for auto insurance, a common question is how low should you set your deductibles. The comparison tables below can help illustrate the rate difference of buying low and high physical damage coverage deductibles. The first rate quote example uses a $250 physical damage coverage deductible and the second data table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 370Z 2-Dr Coupe | $262 | $530 | $338 | $20 | $102 | $1,277 | $106 |
| 370Z 2-Dr Roadster | $292 | $530 | $300 | $18 | $90 | $1,255 | $105 |
| 370Z Touring 2-Dr Coupe | $292 | $600 | $338 | $20 | $102 | $1,377 | $115 |
| 370Z Touring 2-Dr Roadster | $292 | $530 | $300 | $18 | $90 | $1,255 | $105 |
| 370Z Nismo 2-Dr Coupe | $292 | $668 | $338 | $20 | $102 | $1,445 | $120 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 370Z 2-Dr Coupe | $212 | $428 | $338 | $20 | $102 | $1,100 | $92 |
| 370Z 2-Dr Roadster | $236 | $428 | $300 | $18 | $90 | $1,072 | $89 |
| 370Z Touring 2-Dr Coupe | $236 | $484 | $338 | $20 | $102 | $1,180 | $98 |
| 370Z Touring 2-Dr Roadster | $236 | $428 | $300 | $18 | $90 | $1,072 | $89 |
| 370Z Nismo 2-Dr Coupe | $236 | $540 | $338 | $20 | $102 | $1,236 | $103 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Rate quotes do not factor in garaging location in Scottsdale which can raise or lower coverage rates considerably.
Based on the figures above, using a $250 deductible costs roughly $16 more each month or $192 a year than selecting the higher $500 deductible. Since the policyholder would be required to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you go at least 16 months between claims, you would save more money if you choose a higher deductible. The table below shows an example of how we made this calculation.
| Average monthly premium for $250 deductibles: | $110 |
| Average monthly premium for $500 deductibles (subtract): | – $94 |
| Monthly savings from raising deductible: | $16 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $16 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 16 months |
An important thing to remember is that raising deductibles to get cheaper rates means you will have to pay more of your own money when you file a claim. You need to have enough savings in order to pay the deductible to have repairs made.
The diagram below shows how choosing a deductible and can influence Nissan 370Z annual premium costs for each age group. The information is based on a married male driver, comp and collision included, and no other discounts are factored in.
Impact of careless driving on Scottsdale auto insurance rates
The diagram below illustrates how violations and at-fault collisions can affect Nissan 370Z annual premium costs for different categories of driver ages. The premiums assume a single female driver, comprehensive and collision coverage, $500 deductibles, and no discounts are applied to the premium.
Insurance agent or online?
A lot of people still like to sit down with an agent and there is nothing wrong with that. Experienced insurance agents are trained risk managers and help file insurance claims. One of the best bonuses of comparing rates online is you can get cheap rate quotes and still have an agent to talk to. Supporting local agencies is definitely important in Scottsdale.
After filling out this quick form, your insurance data is instantly submitted to local insurance agents in Scottsdale who will give competitive quotes to get your business. You won’t even need to do any legwork since rate quotes are delivered immediately to you. If you wish to get a comparison quote from a particular provider, you can always go to their quote page to submit a rate quote request.
If you want to use a local Scottsdale insurance agent, there are two different types of agents and how they are distinctly different. Insurance policy providers can be described as either exclusive agents or independent agents. Both write insurance policies, but it’s worth learning the difference between them since it can affect which type of agent you select.
Independent Agents (or Brokers)
These agents are not limited to a single company and that is an advantage because they can write policies amongst many companies and find the cheapest rate. If you want to switch companies, your agent can just switch to a different company which requires no work on your part. When shopping rates, it’s a good idea to include price quotes from independent agents to have the most options to choose from.
Listed below are independent insurance agencies in Scottsdale who may provide free rate quotes.
Leavitt Group – Powers-Leavitt Insurance Agency
14301 N 87th St Suite 308 – Scottsdale, AZ 85260 – (480) 348-1100 – View Map
Desert Mountain Insurance Services – Medical Malpractice
2918 N 67th Pl – Scottsdale, AZ 85251 – (480) 348-2200 – View Map
Scottsdale Insurance Home
20875 N Pima Rd – Scottsdale, AZ 85255 – (480) 712-0400 – View Map
Exclusive Insurance Agents
Agents of this type have only one company to place business with like Allstate, Farmers Insurance, State Farm, and AAA. Exclusive agents cannot shop your coverage around so if the price isn’t competitive there isn’t much they can do. Exclusive agents are well trained on their company’s products which helps offset the inability to provide other markets.
Shown below is a short list of exclusive insurance agents in Scottsdale who can help you get comparison quotes.
American Family Insurance – J M Chapman Agency Inc
7055 E Thomas Rd – Scottsdale, AZ 85251 – (480) 945-7122 – View Map
State Farm: Randy Mueller
10575 N 114th St – Scottsdale, AZ 85259 – (480) 391-9390 – View Map
John Collins – State Farm Insurance Agent
8140 E Cactus Rd Ste 700 – Scottsdale, AZ 85260 – (602) 466-3100 – View Map
Finding the right auto insurance agent needs to be determined by more than just a low price. Here are some questions you should ask.
- In the event of vehicle damage, can you pick the collision repair facility?
- Will they make sure you get an adequate claim settlement?
- How many years of experience in personal auto insurance do they have?
- Is the agency covered by Errors and Omissions coverage?
- How much will you save each year by using a higher deductible?
- How often do they review coverages?
- Are claims handled at the agent’s location?
- Are they involved in claim handling?
After receiving reasonable responses to these questions as well as a affordable price, you may have just found an insurance agent that is a good match to service your policy. Just be aware that you have the power to terminate your policy at any time so don’t assume that you are obligated to the insurance policy indefinitely.