Compare Nissan GT-R Insurance Quotes in Irvine

Insurance rates Nissan GT-R in IrvineSadly, over 70% of drivers kept buying from the same company for more than four years, and nearly 40% of drivers have never even compared rates from other companies. California insurance shoppers can cut their rates by approximately $500 a year, but they just assume it takes a lot of time to compare rate quotes online.

Really, the only way to get more affordable Nissan GT-R insurance is to make a habit of comparing prices annually from different companies who sell insurance in Irvine. This can be done by following these guidelines.

  1. Take a few minutes and learn about how companies set rates and the measures you can take to lower rates. Many policy risk factors that increase rates like traffic violations, accidents, and a poor credit rating can be improved by making lifestyle changes or driving safer.
  2. Compare prices from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can give quotes from a single company like GEICO or Allstate, while agents who are independent can give you price quotes from multiple sources.
  3. Compare the new quotes to your existing rates to see if a cheaper rate is available. If you find a better price, ensure there is no coverage lapse between policies.
  4. Give notification to your agent or company of your intention to cancel your current coverage and submit a completed application and payment to your new insurance company. Once the application is submitted, safely store the proof of insurance paperwork with your vehicle’s registration.

A valuable tip to remember is that you’ll want to compare similar deductibles and liability limits on each quote and and to get price estimates from as many different insurance providers as possible. Doing this guarantees a fair rate comparison and a better comparison of the market.

If you have coverage now or are looking for a new policy, use these cost-cutting techniques to reduce the price you pay without having to cut coverage. Choosing the most cost-effective auto insurance policy in Irvine is actually very simple if you learn how to start. Smart shoppers just have to use the best way to get comparison rates over the internet.

Many insurance companies provide coverage prices online. Comparing prices online for Nissan GT-R insurance in Irvine doesn’t take much effort as you simply type in your personal and coverage information on the page. When the form is submitted, their quoting system will order information on your driving record and credit history and provides a quote. This streamlines rate comparisons, and it’s necessary to compare as many rates as possible if you want to get the most affordable car insurance rates.

To save time and compare pricing, visit the companies below or click here to submit a quote request to multiple companies at once. If you have coverage now, it’s recommended you type in coverages and limits identical to your current policy. This helps ensure you will get a fair comparison based on similar coverages.

The following companies have been selected to offer free quotes in Irvine, CA. To locate cheap car insurance in Irvine, we suggest you visit as many as you can to get the lowest price.

Get affordable Nissan GT-R insurance in Irvine with discounts

Car insurance can be pricey, but there could be available discounts to reduce the price significantly. Certain reductions will be credited when you purchase, but some need to be manually applied before you get the savings.Cheaper car insurance with discounts

A little note about advertised discounts, most of the big mark downs will not be given to the whole policy. Some only reduce the price of certain insurance coverages like comp or med pay. So even though they make it sound like you could get a free car insurance policy, companies wouldn’t make money that way.

The chart below visualizes the comparison of Nissan GT-R car insurance costs with and without discounts applied to the premium. The information is based on a female driver, no claims or violations, California state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, multi-car, multi-policy, claim-free, and marriage discounts applied.

To see a list of car insurance companies with discount rates in California, click this link.

Coverage statistics and figures

The premium information shown next showcases detailed analysis of prices for Nissan GT-R models. Knowing how auto insurance policy rates are calculated can assist in making smart choices when selecting a coverage provider.

Nissan GT-R Insurance Rates in Irvine, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
GT-R Premium AWD 2-Dr $538 $1392 $394 $24 $118 $2,466 $206
GT-R AWD 2-Dr $538 $1392 $394 $24 $118 $2,466 $206
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Price data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Rates do not factor in zip code location which can increase or decrease auto insurance rates noticeably.

Rate comparison for different deductibles

When comparing auto insurance rates, the most common question is how high should your deductibles be. The tables below can help you visualize the premium difference when you choose different comp and collision deductibles. The first set of rates uses a $100 physical damage deductible and the second price chart uses a $1,000 deductible.

Nissan GT-R insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
GT-R Premium AWD 2-Dr $624 $1422 $376 $22 $112 $2,581 $215
GT-R AWD 2-Dr $624 $1422 $376 $22 $112 $2,581 $215
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Nissan GT-R insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
GT-R Premium AWD 2-Dr $346 $748 $376 $22 $112 $1,604 $134
GT-R AWD 2-Dr $346 $748 $376 $22 $112 $1,604 $134
Get Your Own Custom Quote Go

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Prices do not factor in the specific area where the vehicle is garaged which can influence premiums noticeably.

We can derive from the above data that using a $100 deductible costs about $81 more each month or $972 every year than opting for the higher $1,000 deductible. Due to the fact that you would have to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you have at least 11 months between claims, you would probably come out ahead if you elect the higher deductible.

How violations and accidents impact rates

The chart below shows how traffic citations and fender-benders increase Nissan GT-R insurance costs for different age groups of insureds. The prices are based on a single male driver, full physical damage coverage, $100 deductibles, and no discounts are applied.

Male drivers compared to female drivers in Irvine

The diagram below compares Nissan GT-R yearly insurance costs for male and female drivers. The rates are based on no driving violations, no at-fault accidents, comp and collision included, $500 deductibles, marital status is single, and no discounts are taken into consideration.

Liability only or full coverage

The chart below shows the difference between Nissan GT-R insurance rates with full physical damage coverage compared to only buying liability only. The premiums are based on a clean driving record, no at-fault accidents, $1,000 deductibles, single marital status, and no policy discounts are applied.

When to stop buying full coverage

There is no set rule to exclude physical damage coverage on your policy, but there is a general guideline. If the annual cost of coverage is more than 10% of any settlement you would receive from your insurance company, then it may be the right time to buy liability only.

For example, let’s pretend your Nissan GT-R replacement cost is $3,000 and you have $1,000 deductibles. If your vehicle is totaled, the most your company would pay you is $2,000 after paying your deductible. If premium cost is more than $200 annually for comprehensive and collision coverage, then you might consider buying liability only.

There are some conditions where buying only liability insurance is not financially feasible. If you haven’t paid off your loan, you are required to maintain full coverage in order to keep the loan. Also, if you don’t have enough money to buy a different vehicle in the even your car is totaled, you should not eliminate full coverage.

Are auto insurance agents of importance?

Many people still like to talk to a local agent and that is not a bad decision Experienced insurance agents are very good at helping people manage risk and help submit paperwork. One of the benefits of comparing insurance prices online is that drivers can save money and get the lowest rates and still have an agent to talk to.

By using this form (opens in new window), your insurance data is sent to insurance agents in Irvine that can give you free Irvine auto insurance quotes for your coverage. You won’t even need to find an agent on your own since price quotes are sent to your email. If you have a need to get a rate quote from a particular provider, just navigate to their website and submit a quote form there.

Selecting an insurer is decision based upon more than just the quoted price. Any good agent in Irvine should know the answers to these questions.

Below are agents in Irvine that can give you price quotes for Nissan GT-R insurance in Irvine.

5410 Trabuco Rd #100Irvine, CA 92620(949) 726-9015View Map

23002 Lake Center DrLake Forest, CA 92630(949) 421-0222View Map

201 Sandpointe Ave Suite 600Santa Ana, CA 92707(866) 845-9815View Map

2151 Michelson Dr #242Irvine, CA 92612(949) 752-6335View Map

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Your situation helps dictate your coverage

When it comes to choosing the best car insurance coverage for your personal vehicles, there is no perfect coverage plan. Your needs are unique to you so this has to be addressed.Car insurance savings
These are some specific questions can aid in determining if your insurance needs would benefit from an agent’s advice.

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of car insurance companies in your area. It’s fast, free and can provide invaluable advice.

Coverages available on your policy

Understanding the coverages of your insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Listed below are the usual coverages available from insurance companies.

Coverage for medical payments – Coverage for medical payments and/or PIP reimburse you for expenses like hospital visits, surgery, dental work and EMT expenses. They are often used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Coverage applies to all vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Liability auto insurance – Liability insurance provides protection from damage that occurs to a person or their property. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 15/30/5 which means a limit of $15,000 per injured person, a per accident bodily injury limit of $30,000, and $5,000 of coverage for damaged property.

Liability coverage protects against things such as medical services, attorney fees, structural damage and pain and suffering. How much liability coverage do you need? That is a decision to put some thought into, but buy as high a limit as you can afford. California state law requires minimum liability limits of 15/30/5 but it’s recommended drivers buy higher limits.

The illustration below shows why low liability limits may not provide adequate coverage.

Collision coverage – Collision insurance will pay to fix damage to your GT-R from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims such as colliding with a tree, rolling your car, crashing into a building and scraping a guard rail. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Drivers also have the option to choose a higher deductible on your GT-R to get cheaper collision coverage.

Uninsured and underinsured coverage – Your UM/UIM coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Because many people have only the minimum liability required by law (which is 15/30/5), their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Comprehensive coverages – This coverage pays to fix your vehicle from 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 pays for things like theft, fire damage, hitting a deer and damage from getting keyed. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Compare rates regularly to save

When searching for affordable Irvine auto insurance quotes, make sure you don’t reduce coverage to reduce premium. There are many occasions where an accident victim reduced uninsured motorist or liability limits to discover at claim time that it was a big error on their part. Your strategy should be to buy the best coverage you can find for the lowest cost, but do not sacrifice coverage to save money.

Some insurance companies do not offer the ability to get a quote online and most of the time these regional carriers only sell coverage through independent agencies. Lower-priced auto insurance in Irvine is possible both online and from local agencies, so you should compare both in order to have the best chance of saving money.

Much more information about auto insurance in California is available below: