Searching for better insurance prices for a Nissan 370Z in Nebraska can normally be a lot of work, but you can follow these tips to save time.
There is a right way and a wrong way to buy insurance so we’re going to tell you the quickest way to get price quotes for a Nissan and obtain the best price possible.
Comparison shopping for the lowest cost car insurance in Lincoln is easy to do. If you are insured now or just want to save money, you can follow these tips to reduce premiums without reducing coverage. Smart buyers only need an understanding of the most time-saving way to shop their coverage around online.
The companies shown below are our best choices to provide free quotes in Nebraska. To find the cheapest auto insurance in NE, we recommend you visit as many as you can to find the lowest car insurance rates.
Statistics and details
The coverage information displayed below showcases different insurance policy prices for Nissan 370Z models. Understanding more about how insurance policy rates are established can benefit drivers when making decisions when shopping your coverage around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 370Z 2-Dr Coupe | $236 | $526 | $458 | $28 | $136 | $1,384 | $115 |
| 370Z 2-Dr Roadster | $262 | $526 | $404 | $24 | $122 | $1,338 | $112 |
| 370Z Touring 2-Dr Coupe | $262 | $594 | $458 | $28 | $136 | $1,478 | $123 |
| 370Z Touring 2-Dr Roadster | $262 | $526 | $404 | $24 | $122 | $1,338 | $112 |
| 370Z Nismo 2-Dr Coupe | $262 | $664 | $458 | $28 | $136 | $1,548 | $129 |
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Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Nebraska minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Price estimates do not factor in Lincoln location which can revise premiums greatly.
The illustration below demonstrates how deductible levels and can influence Nissan 370Z insurance prices for different age groups. The rates are based on a single female driver, comp and collision included, and no discounts are factored in.
Nissan 370Z liability-only versus full coverage
The information below compares Nissan 370Z premium costs with liability coverage only compared to full coverage. The premiums are based on no claims or violations, $1,000 deductibles, drivers are not married, and no discounts are applied.
Are you wasting money on full coverage?
There isn’t a written rule of when to phase out full coverage, but there is a general convention. If the annual cost of having full coverage is about 10% or more of any settlement you would receive from your insurance company, then it might be time to buy liability only.
For example, let’s say your Nissan 370Z replacement cost is $8,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most you would receive is $7,000 after paying the physical damage deductible. If premiums are more than $700 a year for physical damage coverage, then it could be time to drop full coverage.
There are some conditions where eliminating full coverage is not a good idea. If you still owe a portion of the original loan, you have to carry full coverage in order to prevent your loan from defaulting. Also, if you can’t afford to buy a different vehicle in the event your current vehicle is totaled, you should not remove full coverage.
Get cheaper rates on Nissan 370Z insurance in Lincoln with these eight insurance discounts
The price of auto insurance can be rather high, but you can get discounts that many consumers don’t even know exist. Some discounts will apply when you purchase, but a few must be manually applied before being credited.
- Early Payment Discounts – If you pay your bill all at once rather than paying monthly you could save 5% or more.
- Accident Waiver – Not a discount per se, but companies like GEICO and Liberty Mutual allow you one accident without raising rates so long as you haven’t had any claims for a set time period.
- Driver Training Discounts – Successfully completing a course teaching defensive driving skills could cut 5% off your bill if your company offers it.
- Paperless Signup – A few larger online companies give back up to $50 get Lincoln auto insurance on their website.
- Cautious Drivers – Insureds who avoid accidents can pay as much as 50% less than their less cautious counterparts.
- Savings for New Vehicles – Buying insurance on a new vehicle is cheaper compared to insuring an older model.
- Auto/Home Discount – When you combine your auto and homeowners insurance with the same company you may save up to 20% off your total 370Z insurance premium.
- College Student – Kids who are enrolled in higher education away from home and don’t have a car could qualify for this discount.
Discounts lower rates, but some of the credits will not apply to the entire cost. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. So even though they make it sound like all the discounts add up to a free policy, it just doesn’t work that way.
The chart below shows the comparison of Nissan 370Z car insurance rates with and without discounts applied to the policy rates. The premium estimates are based on a female driver, no accidents or driving violations, Nebraska state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, claim-free, homeowner, marriage, multi-policy, and multi-car discounts applied.
Insurance companies that may offer policyholders these money-saving discounts possibly include:
When quoting, ask all the companies which discounts you qualify for. All car insurance discounts may not apply in your area. To find providers with the best discounts in Nebraska, click here.
Three reasons to insure your Nissan 370Z
Despite the high cost, paying for insurance is required by state law in Nebraska and it also provides benefits you may not be aware of.
- Almost all states have mandatory insurance requirements which means you are required to buy a specific level of liability if you don’t want to risk a ticket. In Nebraska these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If your Nissan has a loan, most lenders will have a requirement that you buy insurance to ensure they get paid if you total the vehicle. If coverage lapses or is canceled, the lender will be forced to insure your Nissan at a significantly higher premium and force you to pay for the expensive policy.
- Insurance safeguards both your assets and your car. It also can pay for many types of medical costs for yourself as well as anyone injured by you. Liability insurance, one of your policy coverages, also pays expenses related to your legal defense if you are sued as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, your policy will pay to restore your vehicle to like-new condition.
The benefits of insuring your 370Z more than cancel out the cost, specifically if you ever have a liability claim. According to a 2015 survey, the average American driver overpays as much as $810 a year so we recommend shopping around each time the policy renews to make sure the price is not too high.
Which auto insurance company is best in Nebraska?
Buying coverage from the top insurance company can be difficult considering how many different insurance companies sell coverage in Lincoln. The company rank data displayed below could help you decide which auto insurance companies you want to consider comparing rates from.
Top 10 Lincoln Car Insurance Companies Overall
- USAA
- 21st Century
- GEICO
- Nationwide
- AAA Insurance
- Liberty Mutual
- Safeco Insurance
- State Farm
- Travelers
- American Family
Comparing rates from local Lincoln auto insurance agents
A small number of people just want to go talk to an agent and that is not a bad decision Licensed agents can answer important questions and will help you if you have claims. One of the great benefits of getting online price quotes is that you can obtain better rates and also buy local. Buying insurance from neighborhood insurance agencies is still important in Lincoln.
After filling out this quick form, your insurance data gets sent to local insurance agents in Lincoln who will gladly provide quotes and help you find cheaper coverage. You won’t even need to contact any insurance agencies since price quotes are sent immediately to your email address. If you want to get a comparison quote from a particular provider, you can always navigate to their website and give them your coverage information.
If you’re trying to find a good Lincoln insurance agent, you must know there are a couple types of insurance agents to choose from. Auto insurance agents in Lincoln can be categorized as either independent (non-exclusive) or exclusive. Either type can provide auto insurance policies, but it’s good to learn the differences because it can influence buying decisions.
Independent Agencies or Brokers
Agents that elect to be independent are appointed with more than one company and that gives them the ability to insure amongst many companies and find the cheapest rate. To transfer your coverage to a different company, they simply move the coverage in-house and the insured can keep the same agent.
If you are trying to find cheaper rates, we recommend you get rate quotes from multiple independent agents to ensure the widest selection of prices. Many independent agencies also insure through smaller regional carriers that many times have cheaper rates.
The following are independent agencies in Lincoln that can give you rate quotes.
- INSPRO Insurance
4000 Pine Lake Rd – Lincoln, NE 68516 – (402) 483-4500 – View Map - UNICO Group
1128 Lincoln Mall #200 – Lincoln, NE 68508 – (402) 434-7200 – View Map - Brokers Insurance
3325 A St – Lincoln, NE 68510 – (402) 434-0480 – View Map
Exclusive Insurance Agents
Agents that choose to be exclusive normally can only provide a single company’s rates like Allstate, Farmers Insurance or State Farm. Exclusive agents cannot provide prices from multiple companies so they have no alternatives for high prices. Exclusive insurance agents are usually quite knowledgeable on their company’s products and that can be a competitive advantage. Some insured continue to purchase coverage from exclusives mainly due to loyalty to the company and solid financial strength.
Listed below is a short list of exclusive agencies in Lincoln that are able to give rate quotes.
- Allstate Insurance: Mitchell Happ
6100 S 58th St e – Lincoln, NE 68516 – (402) 420-5590 – View Map - American Family Insurance – Douglas Kruce
5730 R St Ste D – Lincoln, NE 68505 – (402) 423-1224 – View Map - American Family Insurance – Tim Stewart Agency Inc.
5625 O St Ste 105 – Lincoln, NE 68510 – (402) 489-6211 – View Map
Finding the right car insurance agent shouldn’t rely on just the bottom line cost. The following questions are important to ask.
- Do they prorate repair cost based on vehicle mileage?
- Is there a Errors and Omissions policy in force?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- How many companies do they write for?
- Can you contact them at any time?
- Are they actively involved in the community?
Auto insurance coverage breakdown
Knowing the specifics of your policy can help you determine appropriate coverage and proper limits and deductibles. Policy terminology can be confusing and nobody wants to actually read their policy.
Collision coverage
This covers damage to your 370Z resulting from a collision with another car or object. You have to pay a deductible then your collision coverage will kick in.
Collision can pay for things such as sideswiping another vehicle, scraping a guard rail and crashing into a building. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible on your 370Z to bring the cost down.
Med pay and Personal Injury Protection (PIP)
Coverage for medical payments and/or PIP provide coverage for bills for chiropractic care, funeral costs, X-ray expenses, EMT expenses and rehabilitation expenses. They can be used in conjunction with a health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is only offered in select states and may carry a deductible
Uninsured/Underinsured Motorist (UM/UIM)
Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Nissan 370Z.
Because many people only carry the minimum required liability limits (which is 25/50/25), it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently these coverages do not exceed the liability coverage limits.
Liability coverages
Liability coverage can cover damage or injury you incur to other people or property in an accident. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.
Liability coverage pays for things like legal defense fees, structural damage, bail bonds and court costs. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as large an amount as possible. Nebraska state law requires minimum liability limits of 25/50/25 but you should think about purchasing more coverage.
The chart below demonstrates why the minimum limit may not be high enough to cover claims.
Comprehensive insurance
This covers damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for things like fire damage, damage from a tornado or hurricane and a broken windshield. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.