2012 Nissan GT-R Car Insurance Quotes – 7 Savings Tips

Searching for the cheapest insurance rates for your Nissan GT-R? Tired of robbing Peter to pay Paul each month for car insurance? You are in the same boat as many other drivers.

Big-name insurance companies like State Farm and Geico constantly bombard you with TV and radio ads and it is challenging if not impossible to see through the cute green geckos and mayhem and find the best price available.

If you have car insurance now, you will most likely be able to reduce your rates substantially using these techniques. Buying car insurance is not rocket science. But vehicle owners must understand the way insurance companies price online insurance because it can help you find the best coverage.

Discounts to lower 2012 Nissan GT-R insurance rates

Companies offering auto insurance do not list every available discount very well, so we took the time to find both well-publicized and the harder-to-find savings tricks you should be using.

  • Sign Online – Some insurance companies will discount your bill up to fifty bucks simply for signing online.
  • Accident Free – Drivers who don’t have accidents pay less compared to bad drivers.
  • Student Driver Training – Have your child enroll in driver’s education in school.
  • Homeowners Savings – Owning a home can help you save on insurance coverage due to the fact that maintaining a home is proof that your finances are in order.
  • Multi-car Discount – Insuring more than one vehicle with the same company qualifies for this discount.
  • Club Memberships – Being a member of certain professional organizations could qualify you for a break on insurance coverage on GT-R insurance.
  • Seat Belts Save – Drivers who require all occupants to use a seat belt can save up to 15% off your medical payments premium.

It’s important to understand that most credits do not apply to the entire policy premium. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. So even though they make it sound like all those discounts means the company will pay you, you won’t be that lucky.

For a list of insurers offering insurance coverage discounts, click here.

Tailor your coverage to you

When it comes to choosing coverage, there really is not a single plan that fits everyone. Everyone’s situation is unique so your insurance needs to address that. Here are some questions about coverages that may help you determine if your situation could use an agent’s help.

  • Is my ex-spouse still covered by my policy?
  • Am I covered if I wreck a rental car?
  • If my 2012 Nissan GT-R is totaled, can I afford another vehicle?
  • How do I file an SR-22 for a DUI in my state?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Should I put collision coverage on all my vehicles?
  • How can I get high-risk coverage after a DUI?
  • Am I covered if I drive in a foreign country?
  • Am I covered when pulling a rental trailer?
  • Can I afford low physical damage deductibles?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area.

Specifics of your car insurance policy

Understanding the coverages of car insurance can be of help when determining the best coverages and the correct deductibles and limits. The terms used in a policy can be confusing and nobody wants to actually read their policy. These are the normal coverages found on the average car insurance policy.

Liability coverages

Liability coverage can cover injuries or damage you cause to other people or property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 100/300/100 which stand for $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability coverage pays for claims such as bail bonds, structural damage and funeral expenses. How much coverage you buy is a personal decision, but buy as much as you can afford.

Collision protection

This pays for damage to your GT-R resulting from a collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as hitting a mailbox, driving through your garage door, damaging your car on a curb and rolling your car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your 2012 Nissan GT-R.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Coverage for medical expenses

Med pay and PIP coverage kick in for expenses for things like funeral costs, dental work, chiropractic care, EMT expenses and nursing services. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is not an option in every state and may carry a deductible

Comprehensive car insurance

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like hitting a bird, rock chips in glass and a tree branch falling on your vehicle. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

In conclusion

We just presented many ways to save on 2012 Nissan GT-R insurance. The most important thing to understand is the more price quotes you have, the better your chances of lowering your rates. Drivers may discover the best price on insurance is with some of the smallest insurance companies. Smaller companies may only write in your state and offer lower rates as compared to the big name companies such as State Farm and Allstate.

While you’re price shopping online, it’s a bad idea to buy poor coverage just to save money. There are many occasions where an accident victim reduced liability coverage limits only to find out that it was a big error on their part. The proper strategy is to buy enough coverage at the best price.

More tips and info about insurance is available in the articles below: