Finding more affordable Nissan GT-R insurance in San Antonio could be quite difficult for drivers who are new to online rate comparisons. You have so many options available that it can easily be a difficult mission to locate the lowest price in Texas.
It’s well known that car insurance companies don’t want you to look for cheaper rates. Drivers who shop around for cheaper price quotes are very likely to buy a new policy because they have a good chance of finding a more affordable policy. A recent survey revealed that consumers who regularly shopped around saved about $3,400 over four years as compared to drivers who never shopped for cheaper rates.
If finding the cheapest rates on auto insurance in San Antonio is your goal, then learning about the best ways to shop for insurance rates can help you be more efficient.
Consumers should take time to do price comparisons before your next renewal because rates tend to go up over time. Just because you had the best rate on Nissan GT-R insurance in San Antonio at your last renewal the chances are good that you can find a lower price today. Ignore everything you know about car insurance because you’re going to learn the tricks you need to know to properly buy coverages and cut your premium.
Cheaper rates with these discounts on Nissan GT-R insurance in San Antonio
Car insurance is not cheap, but you can get discounts that many consumers don’t even know exist. Many of these discounts will be applied automatically when you get a quote, but some need to be manually applied prior to getting the savings.
- Save with a New Car – Insuring a new GT-R can get you a discount compared to insuring an older model.
- Own a Home – Being a homeowner can save a few bucks since home ownership demonstrates responsibility.
- Drivers Education – Reduce the cost of insurance for teen drivers by having them complete a driver education course as it will make them better drivers and lower rates.
- Discount for Life Insurance – Larger insurance companies have lower insurance rates if you buy auto and life insurance together.
- Accident Free – Claim-free drivers can save substantially compared to accident-prone drivers.
- Discounts for Safe Drivers – Drivers without accidents can save up to 40% or more on their San Antonio car insurance quote than drivers with accidents.
- Anti-lock Brake System – Cars and trucks that have anti-lock braking systems have fewer accidents and qualify for as much as a 10% discount.
- Federal Government Employee – Active or former government employment could cut as much as 10% off depending on your insurance provider.
- Discount for Low Mileage – Maintaining low annual mileage may allow you to get discounted prices on garaged vehicles.
One last thing about discounts, most credits do not apply to the overall cost of the policy. Most only cut the cost of specific coverages such as medical payments or collision. Even though it may seem like it’s possible to get free car insurance, insurance companies wouldn’t stay in business.
The example below visualizes the comparison of Nissan GT-R auto insurance costs with and without policy discounts. The premiums are based on a female driver, a clean driving record, no claims, Texas state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, claim-free, marriage, safe-driver, homeowner, and multi-policy discounts applied.
A few of the larger companies and the discounts they provide are outlined below.
- American Family includes discounts for good student, mySafetyValet, bundled insurance, Steer into Savings, defensive driver, early bird, and air bags.
- Farm Bureau discounts include safe driver, driver training, renewal discount, 55 and retired, multi-policy, and multi-vehicle.
- State Farm has discounts for multiple autos, good driver, Drive Safe & Save, Steer Clear safe driver discount, defensive driving training, safe vehicle, and passive restraint.
- Travelers policyholders can earn discounts including continuous insurance, new car, payment discounts, save driver, home ownership, multi-car, and good student.
- The Hartford offers premium reductions for vehicle fuel type, air bag, bundle, good student, and driver training.
- GEICO offers discounts including membership and employees, five-year accident-free, air bags, federal employee, daytime running lights, and defensive driver.
- Progressive has savings for multi-vehicle, online quote discount, continuous coverage, online signing, and good student.
It’s a good idea to ask every prospective company what discounts are available to you. Some of the discounts discussed earlier may not apply to policyholders in San Antonio. If you would like to choose from a list of companies offering insurance discounts in Texas, click here.
To get cheaper San Antonio car insurance quotes, there a variety of ways to compare rate quotes from lots of Texas insurance companies. One of the best ways to find affordable Nissan GT-R insurance rates consists of obtaining rate quotes online.
It’s important to know that obtaining a wide range of quotes helps locate more affordable insurance.
The following companies are ready to provide price comparisons in Texas. If multiple companies are listed, we suggest you visit as many as you can to get a more complete price comparison.
Nissan GT-R insurance analysis
The rate table displayed next outlines detailed analysis of rate quotes for Nissan GT-R models. Having a good understanding how policy rates are formulated can help drivers make informed decisions when shopping around for a new policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| GT-R Premium AWD 2-Dr | $470 | $1006 | $330 | $20 | $98 | $1,924 | $160 |
| GT-R AWD 2-Dr | $470 | $1006 | $330 | $20 | $98 | $1,924 | $160 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Premium costs do not factor in vehicle location which can affect rates substantially.
Comparison of policy deductibles
One of the hardest decisions when shopping for car insurance is where to set your physical damage deductibles. The figures shown below highlight the rate differences between high and low deductibles. The first pricing table uses a $250 deductible for physical damage and the second price grid uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| GT-R Premium AWD 2-Dr | $484 | $1026 | $324 | $20 | $96 | $1,975 | $165 |
| GT-R AWD 2-Dr | $484 | $1026 | $324 | $20 | $96 | $1,975 | $165 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| GT-R Premium AWD 2-Dr | $298 | $646 | $324 | $20 | $96 | $1,384 | $115 |
| GT-R AWD 2-Dr | $298 | $646 | $324 | $20 | $96 | $1,384 | $115 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Rates do not factor in your specific San Antonio location which can alter coverage rates substantially.
Based on the data above, we can derive that using a $250 deductible costs approximately $50 more each month or $600 every year across all Nissan GT-R models than opting for the higher $1,000 deductible. Since you would have to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to have more than 15 months between claims, you would probably be better off if you elect the higher deductible.
The information below shows how choosing a deductible and can raise or lower Nissan GT-R insurance premiums for different age groups. The prices are based on a married male driver, full physical damage coverage, and no policy discounts are applied.
Yearly car insurance costs for men versus women
The chart below shows the difference between Nissan GT-R insurance costs for male and female drivers. The price estimates are based on no violations or claims, comprehensive and collision coverage, $100 deductibles, marital status is single, and no discounts are factored in.
Do you need full coverage?
The illustration below compares Nissan GT-R insurance prices when comparing full coverage to state minimum liability only. The premium estimates are based on no violations or claims, $1,000 deductibles, drivers are single, and no other discounts are factored in.
Should you pay for full coverage?
There is no definitive rule that is best for determining when to drop physical damage insurance, but there is a guideline you can use. If the yearly cost for physical damage coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then it could be time to drop full coverage.
For example, let’s pretend your Nissan GT-R replacement value is $8,000 and you have $1,000 deductibles. If your vehicle is totaled, you would only receive $7,000 after the policy deductible has been paid. If you are currently paying more than $700 annually to have full coverage, then it might be time to buy liability only.
There are some situations where eliminating full coverage is not in your best interest. If you have an outstanding loan on your vehicle, you have to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should not eliminate full coverage.
Lower Insurance Rates with These Tips
An important part of buying insurance is that you know some of the things that go into determining your insurance rates. When you know what positively or negatively determines premiums, this enables you to make decisions that can earn you lower premium levels.
The items below are a few of the “ingredients” insurance companies consider when setting prices.
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More performance means higher rates – The type of car, truck or SUV you are insuring makes a substantial difference in your auto insurance rates. Economy passenger cars generally receive the lowest base rates, but your final cost has many other factors.
The next chart uses these variables: married male driver age 50, full coverage with $100 deductibles, and no discounts or violations. It illustrates Nissan GT-R insurance rates compared to other makes and models that have different risk factors.
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Older drivers save more – Drivers with little experience have a tendency to be easily distracted when driving with friends and because of this, their insurance rates are much higher. Having to add a teenage driver to your insurance policy can really hurt. More mature drivers tend to be more responsible, tend to cause fewer accidents, and receive fewer citations.
The data below uses these assumptions: single driver, full coverage with $500 deductibles, and no discounts or violations.
- Raise deductibles and save – Comprehensive and collision coverage deductibles define the amount the insured will be required to pay if a covered claim is submitted. Coverage for physical damage, otherwise known as comp (or other than collision) and collision, insures against damage to your car. Examples of some claims that would be covered are rear-ending another vehicle, damage caused by hail, and having a roll-over accident. The more money the insured is willing to pay, the lower your rates will be.
- Multiple policies with one company can save – Lots of insurance companies apply lower prices to insureds that purchase more than one policy such as combining an auto and homeowners policy. Discounts can add up to 10 percent or more. Even if you already get this discount, you may still want to compare other San Antonio GT-R insurance rates to make sure you are getting the best deal.
- Job can influence prices – Did you know your job can affect your rates? Occupations such as lawyers, social workers, and accountants are shown to have higher rates than average because of job stress and incredibly demanding work hours. On the other hand, occupations such as farmers, historians and the unemployed receive lower rates.
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Nissan GT-R insurance loss statistics – Auto insurance companies use past loss statistics for each vehicle when they set coverage costs for each model. Vehicles that the statistics show to have higher loss trends will cost more for specific coverages.
The next table illustrates the insurance loss data used by companies for Nissan GT-R vehicles. For each coverage type, the loss probability for all vehicles, as an average, equals 100. Values that are under 100 are indicative of better than average losses, while values over 100 indicate more frequent losses or statistically larger losses.
Auto Insurance Loss Data for Nissan GT-R Models Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Nissan GT-R 2dr 4WD 373 82 317 BETTERAVERAGEWORSEEmpty fields indicate not enough data collected
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Independent versus exclusive insurance agencies
Some people prefer to talk to an insurance agent and that is recommended in a lot of cases One of the great benefits of comparing insurance prices online is you can get the best rates and still buy from a local agent.
To help locate an agent, after submitting this simple form, the coverage information gets sent to companies in San Antonio who will give you quotes for your auto insurance coverage. You never need to find an agent because prices are sent straight to your inbox. You can find lower rates AND a local agent. If you have a need to get a rate quote from one company in particular, you can always find their quoting web page and fill out the quote form the provide.
Picking an provider requires you to look at more than just the price. You should also get answers to these questions.
- Are they properly licensed to sell insurance in Texas?
- How often do they review coverages?
- Do they have 24-hour customer assistance?
- How long has their agency been open in San Antonio?
- Will your rates increase after a single accident?
- How long have they worked with personal auto insurance coverage?
If you are searching for a reliable insurance agent, it can be helpful to understand the different types of agencies and how they function. Insurance agencies in San Antonio are considered either independent agents or exclusive agents depending on their employer.
Exclusive Insurance Agents
These agents normally can only provide a single company’s rates such as State Farm, Allstate and AAA. They usually cannot provide prices from multiple companies so they have no alternatives for high prices. Exclusive agents are usually quite knowledgeable on their products and sales techniques which aids in selling service over price. Consumers often buy from the same agent for years primarily because of the brand name instead of buying on price only.
Listed below are San Antonio exclusive agencies who may provide you with price quote information.
- Betsy Dippo – State Farm Insurance Agent
19190 Stone Oak Pkwy #112 – San Antonio, TX 78258 – (210) 496-3276 – View Map - State Farm: John Pitre
825 W Bitters Rd #105 – San Antonio, TX 78216 – (210) 514-1083 – View Map - Luis Corral – State Farm Insurance Agent
4416 Ramsgate St #101 – San Antonio, TX 78230 – (210) 696-6324 – View Map
Independent Agents
These agents do not sell for just one brand and that gives them the ability to insure with any number of different companies and find the cheapest rate. If they find a lower price, the agent simply finds a different carrier and the insured can keep the same agent. When comparing auto insurance prices, you definitely need to get some free quotes from at a minimum one independent agency to maximize your price options. A lot of them also have access to smaller companies which may have better rates.
Shown below is a short list of independent agencies in San Antonio who can help you get comparison quotes.
- Affordable Health Insurance Agency, LLC
7330 San Pedro Ave #150 – San Antonio, TX 78216 – (210) 738-3537 – View Map - Mesquite Insurance Agency
501 W Quincy St – San Antonio, TX 78212 – (210) 472-3034 – View Map - Atlas Insurance Agency,Inc
1954 SW Military Dr – San Antonio, TX 78221 – (210) 927-2277 – View Map
Here’s why auto insurance is not optional
Despite the high insurance cost for a Nissan GT-R in San Antonio, insurance may be required and benefits you in several ways.
First, the majority of states have minimum liability requirements which means the state requires a specific level of liability in order to license the vehicle. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if you have a loan on your car, almost all lenders will require you to have comprehensive coverage to guarantee loan repayment. If you default on your policy, the bank or lender will purchase a policy for your Nissan for a much higher rate and require you to pay the higher premium.
Third, auto insurance preserves both your assets and your car. Insurance will also pay for most medical and hospital costs for you, any passengers, and anyone injured in an accident. One of the most valuable coverages, liability insurance, also pays for attorney fees and expenses in the event you are sued. If your car is damaged in a storm or accident, your policy will pay to have it repaired.
The benefits of insuring your car are without a doubt worth the cost, especially with large liability claims. The average driver in Texas overpays more than $700 annually so shop around every year to save money.
The best rates come from being thorough
There are still a few companies who may not have the ability to get quotes online and usually these small, regional companies sell through independent agents. The cheapest Nissan GT-R insurance in San Antonio can be bought on the web as well as from independent agents in San Antonio, so you should be comparing quotes from both to have the best chance of lowering rates.
We covered many ways to compare Nissan GT-R insurance rates in San Antonio. It’s most important to understand that the more times you quote, the more likely it is that you will get a better rate. Consumers may even find the best rates are with a company that doesn’t do a lot of advertising.
When searching for affordable Nissan GT-R insurance quotes, it’s very important that you do not buy poor coverage just to save money. There are many occasions where an insured dropped uninsured motorist or liability limits and discovered at claim time that the savings was not a smart move. Your goal should be to get the best coverage possible for the lowest price and still be able to protect your assets.
Even more information can be found at these sites:
- Rearview cameras reduce backing crashes (Insurance Institute for Highway Safety)
- Who Has Cheap Car Insurance for Felons in San Antonio? (FAQ)
- Who Has Cheap San Antonio Car Insurance for Retired Military? (FAQ)
- Who Has the Cheapest Auto Insurance for a GMC Sierra in San Antonio? (FAQ)
- Bodily Injury Coverage (Liberty Mutual)
- Safety Tips for Teen Drivers (Insurance Information Institute)
- Top Signs Your Brakes are Giving Out (State Farm)
- What are my Rights when Filing a Claim? (Insurance Information Institute)