How many times have you said it's time to compare more affordable Nissan GT-R insurance in Philadelphia? Locating cheaper insurance for a Nissan GT-R in Pennsylvania can be an all-consuming task, but you can use our insurance buying tips to make it easier.
There is a better way to find insurance online so you're going to learn the best way to quote coverages for your Nissan and get the cheapest rates from Philadelphia insurance agents and online providers.
It's a fact that car insurance companies don't want their customers to go rate shopping. Drivers who shop for lower prices are highly likely to buy a new policy because they stand a good chance of finding a cheaper policy. A recent insurance study discovered that consumers who routinely shopped around saved over $72 a month compared to people who never compared rates.
If finding budget-friendly rates on Nissan GT-R insurance is why you're reading this, then having some insight into how to shop and compare insurance coverage can make the process less intimidating.
You should take the time to check insurance prices quite often because insurance prices change quite often. Even if you got the lowest rates on Nissan GT-R insurance in Philadelphia at your last renewal you may be paying too much now. Ignore everything you know about insurance because it's time to teach you the fastest way to find lower rates on insurance.
Comparison shopping for the lowest cost coverage in Philadelphia is simple if you know the tricks. If you have coverage now or are looking for a new policy, use these tips to save money while maintaining coverages. Vehicle owners just have to understand the fastest way to compare company rates instantly.
Cheapest Nissan insurance rate quotes in Philadelphia
The companies shown below are ready to provide price quotes in Philadelphia, PA. If the list has multiple companies, it's a good idea that you visit several of them to get a more complete price comparison.
Nissan GT-R insurance analysis
The coverage table below highlights a range of policy rates for Nissan GT-R models. Learning a little about how insurance policy premiums are determined can help drivers make decisions when shopping around.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|GT-R Premium AWD 2-Dr||$326||$808||$364||$22||$108||$1,628||$136|
|GT-R AWD 2-Dr||$326||$808||$364||$22||$108||$1,628||$136|
|Get Your Own Customized Quote Go|
Table data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Price estimates do not factor in vehicle location which can change premiums noticeably.
The diagram below illustrates how your choice of deductibles and can affect Nissan GT-R insurance costs for different categories of driver ages. The rate quotes are based on a married female driver, comp and collision included, and no discounts are taken into consideration.
Drive responsibly or pay higher rates
The information below shows how traffic citations and accidents can drive up Nissan GT-R insurance prices for each age group. Data assumes a single male driver, full coverage, $100 deductibles, and no other discounts are factored in.
Insurance premiums for males and females
The information below shows the comparison of Nissan GT-R car insurance costs for male and female drivers. The rates are based on no violations or claims, comp and collision included, $100 deductibles, drivers are not married, and no discounts are taken into consideration.
Comparison of full coverage and liability-only policies
The illustration below compares Nissan GT-R auto insurance costs with full physical damage coverage compared to only buying liability only. The data assumes no violations or accidents, $1,000 deductibles, marital status is single, and no other discounts are factored in.
Are you wasting money on full coverage?
There is no specific rule to drop comp and collision coverage, but there is a general guideline. If the annual cost of your full coverage insurance is more than about 10% of any settlement you would receive from your insurance company, then it might be time to buy liability only.
For example, let's pretend your Nissan GT-R book value is $7,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $6,000 after the policy deductible has been paid. If you are paying in excess of $600 annually for full coverage, then you may need to consider dropping full coverage.
There are some situations where dropping physical damage coverage is not a good plan. If you still owe money on your vehicle, you are required to maintain full coverage in order to keep the loan. Also, if you can't afford to buy a different vehicle if your current one is in an accident, you should not consider dropping full coverage.
Why Smart Consumers Pay Less for Nissan GT-R Insurance
It's important that you understand a few of the rating criteria that help calculate your policy premiums. If you understand what impacts premium levels, this enables you to make decisions that can help you get cheaper rates. Lots of factors are considered when you get your auto insurance bill. A few of the factors are predictable such as your driving history, although some other factors are not as apparent like your vehicle usage or how safe your car is.
Listed below are some of the things utilized by car insurance companies to help set rates.
Raise your physical damage deductibles for better premiums - The deductibles you choose define how much you are willing to pay out-of-pocket if the claim is covered. Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, insures against damage to your car. Some examples of claims that would be covered are rear-ending another vehicle, collision with a deer, or theft of your vehicle. The more damage repair cost you pay before a claim is paid (deductible), the lower your rates will be.
Poor credit can mean higher rates - An insured's credit score factor in calculating your car insurance rates. People that have very high credit ratings tend to be more responsible and file fewer claims than those with bad credit. If your credit is not that good, you may save money insuring your Nissan GT-R by taking the time to improve your credit score.
Remove unneeded extra coverages - Policies have optional add-on coverages that you can get tricked into buying on your GT-R policy. Insurance for things like personal injury protection, accident forgiveness, and membership fees could be just wasting money. You may think they are a good idea initially, but if you have no use for them eliminate them to save money.
An active insurance claims history can cost more - Companies in Pennsylvania give discounts to insureds who do not rely on their insurance for small claims. If you file a lot of claims you can look forward to either higher rates or even cancellation. Insurance coverage is designed for the large, substantial claims.
Insurance loss data for a Nissan GT-R - Car insurance companies use historical loss data to calculate a price that will offset any claims. Models that tend to have higher loss trends will cost more for specific coverages.
The table below illustrates the insurance loss data used by companies for Nissan GT-R vehicles. For each policy coverage, the claim amount for all vehicles, without regard to make or model, equals 100. Percentage values below 100 indicate a favorable loss history, while numbers above 100 point to more frequent losses or a tendency for claims to be larger.
|Vehicle Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Nissan GT-R 2dr 4WD||373||82||317|
Empty fields indicate not enough data collected
Statistics from IIHS.org for 2013-2015 Model Years
Get cheaper Nissan GT-R insurance in Philadelphia with discounts
Some companies don't always list all discounts in an easy-to-find place, so the below list has some of the more common and the harder-to-find car insurance savings.
- Membership in Organizations - Joining qualifying employment or professional organizations can get you a small discount on your next renewal.
- Fewer Miles Equal More Savings - Maintaining low annual mileage can earn cheaper premium rates.
- Drivers Education - Have your child enroll and complete driver's education in school or through a local driver safety program.
- Discounts for Responsible Drivers - Drivers without accidents could pay up to 40% less compared to rates paid by drivers with frequent claims.
- Good Student Discount - Getting good grades can save 20 to 25%. The good student discount can last well after school through age 25.
- Telematics Data - Philadelphia drivers who agree to allow driving data collection to study vehicle usage by installing a telematics device such as State Farm's In-Drive could possibly reduce rates as long as the data is positive.
- More Vehicles More Savings - Buying a policy with all your vehicles with the same company qualifies for this discount.
- Anti-lock Brake Discount - Cars with ABS and/or traction control have fewer accidents so you can save 10 percent or more.
- Theft Deterrent System - Vehicles optioned with advanced anti-theft systems are less likely to be stolen and earn discounts up to 10% off your Philadelphia car insurance quote.
As a footnote on discounts, some credits don't apply to your bottom line cost. Most cut specific coverage prices like liability, collision or medical payments. So when it seems like you could get a free car insurance policy, company stockholders wouldn't be very happy. Any qualifying discounts will lower your policy premium.
The information below compares Nissan GT-R auto insurance rates with and without discounts applied to the policy rates. The prices are based on a male driver, no accidents or driving violations, Pennsylvania state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, claim-free, marriage, multi-policy, safe-driver, and homeowner discounts applied.
To view insurance companies that provide some of the discounts listed above in Pennsylvania, click here to view.
Compare prices but work with a local Philadelphia insurance agency
Many people just prefer to visit with an insurance agent and that can be a great decision Professional insurance agents are trained to spot inefficiencies and help you file claims. An additional benefit of price shopping on the web is the fact that drivers can get cheap rate quotes but still work with a licensed agent. And buying from neighborhood agents is definitely important in Philadelphia.
After completing this short form, the coverage information is emailed to local insurance agents in Philadelphia who will give you quotes for your insurance coverage. You won't even need to search for any insurance agencies because prices are sent instantly to you. If for some reason you want to compare prices from a specific company, you just need to go to their quote page and fill out their quote form.
The following are agents in Philadelphia willing to provide comparison quotes for Nissan GT-R insurance in Philadelphia.
- Nationwide Insurance: Ferullo Insurance Agencies LLC
1636 S Front St - Philadelphia, PA 19148 - (215) 468-4116 - View Map
- HandM Insurance Agency
5829 Rising Sun Ave - Philadelphia, PA 19120 - (215) 745-8001 - View Map
- Savage Insurance Agency LLC
300 W Cheltenham Ave - Philadelphia, PA 19126 - (215) 224-4890 - View Map
- Dave Penning - State Farm Insurance Agent
2962 Robbins Ave - Philadelphia, PA 19149 - (215) 537-8050 - View Map
Picking an insurer needs to be determined by more than just a low price. Ask your prospective agent these questions:
- How would your car be valued if totaled?
- Does the agency have a current Errors and Omissions policy?
- Will the agent help in case of a claim?
- Do the agents have professional certifications like CPCU or CIC?
- What kind of financial rating does the company have?
- Where would glass claims be handled in Philadelphia?
- Is every driver in your family covered?
After talking to the agent and getting good responses to any questions you may have as well as a price you're happy with, you have narrowed it down to an insurer that is reliable enough to insure your vehicles. Just be aware that you can always cancel coverage when you choose so don't assume you are locked into any particular company indefinitely.
Different people need different car insurance coverages
When it comes to buying your policy, there isn't really a "perfect" insurance plan. Your needs are not the same as everyone else's so this has to be addressed. For instance, these questions could help you determine if you would benefit from an agent's advice.
- What exactly is covered by my policy?
- Are there any extra discounts I can get?
- Should I pay a claim out-of-pocket?
- Am I covered if my car is in a flood?
- Are my custom wheels covered?
- Does coverage extend to Mexico or Canada?
If you don't know the answers to these questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies. It's fast, free and can help protect your family.
Quote more to save more
The cheapest Nissan GT-R insurance in Philadelphia is available from both online companies as well as from independent agents in Philadelphia, and you should be comparing both to have the best chance of lowering rates. Some insurance providers do not offer rate quotes online and these regional insurance providers only sell through independent insurance agencies.
While you're price shopping online, don't be tempted to buy poor coverage just to save money. There have been many cases where consumers will sacrifice full coverage to discover at claim time they didn't purchase enough coverage. The ultimate goal is to get the best coverage possible at the lowest possible cost while not skimping on critical coverages.
More detailed insurance information can be read in the articles below:
- Liability Insurance Coverage (Nationwide)
- Who Has the Cheapest Philadelphia Car Insurance for a Nissan Versa? (FAQ)
- Who Has Affordable Auto Insurance for Retired Military in Philadelphia? (FAQ)
- How Much are Auto Insurance Quotes for a 20 Year Old Female in Philadelphia? (FAQ)
- Booster Seat Ratings (iihs.org)
- Tread Depth and Tire Safety (State Farm)