Insurance for Nissan GT-RHow long has it been since you sat down and looked for low-cost Nissan GT-R insurance in Dallas? Are you burned out from scraping the payment together to pay your auto insurance bill each month? You are no different than many other Texas drivers.

It's hard to fathom, but over 70% of drivers renewed their policy with the same company for four years or more, and practically 40% of auto insurance customers have never compared quotes from other companies. The average driver in Texas can cut their rates by nearly $1,770 a year, but they just assume it takes a lot of time to compare rate quotes.

Lots of insurers contend to insure your vehicles, so it's not easy to compare every company and get the best coverage at the best price available on Nissan GT-R insurance in Dallas.

Companies offering competitive Nissan GT-R rates in Dallas, TX

The companies shown below can provide quotes in Texas. If multiple companies are listed, we suggest you visit two to three different companies in order to get a fair rate comparison.

Nissan GT-R Insurance Rates in Dallas, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
GT-R Premium AWD 2-Dr $378 $936 $422 $24 $126 $1,886 $157
GT-R AWD 2-Dr $518 $1384 $422 $24 $126 $2,474 $206
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Cost estimates assume single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Information does not factor in vehicle garaging location which can affect premium rates significantly.

Deductible comparison

When shopping for auto insurance, a common question is how high should the deductibles for physical damage be. The rates shown below approximate the cost difference between low and high physical damage deductibles. The first set of prices uses a $100 physical damage coverage deductible and the second price grid uses a $500 deductible.

Nissan GT-R insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
GT-R Premium AWD 2-Dr $538 $1226 $324 $20 $96 $2,229 $186
GT-R AWD 2-Dr $538 $1226 $324 $20 $96 $2,229 $186
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Nissan GT-R insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
GT-R Premium AWD 2-Dr $394 $828 $324 $20 $96 $1,662 $139
GT-R AWD 2-Dr $394 $828 $324 $20 $96 $1,662 $139
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Rates do not factor in your specific Dallas location which can revise price quotes substantially.

Based on this data, we can arrive at the conclusion that using a $100 deductible costs roughly $47 more each month or $564 annually than buying the higher $500 deductible. Because you would pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you go more than 9 months between claim filings, you would probably be better off if you decide on a higher deductible.

How to determine when to raise your deductibles

Average monthly premium for $100 deductibles: $186
Average monthly premium for $500 deductibles (subtract): - $139
Monthly savings from raising deductible: $47
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $47
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 9 months

One important note is that increasing deductibles to lower your rates means you will have to cover more of the damage yourself when you do file a claim. It will be required that you have access to more funds in the event you have to pay the higher deductible in order to repair your vehicle.

Discounts mean cheaper rates for Nissan GT-R insurance in Dallas

Insurance is neither fun to buy or cheap, but discounts can save money and there are some available that may help make it more affordable. Certain credits will be shown at the time of purchase, but some may not be applied and must be inquired about before you will receive the discount.

It's important to understand that many deductions do not apply to all coverage premiums. A few only apply to specific coverage prices like comprehensive or collision. Despite the appearance that you can get free auto insurance, it's just not the way it works.

If you would like to see a list of insurance companies that offer the discounts shown above in Dallas, click this link.

When to have guidance from an agent

Some people still prefer to sit down and talk to an agent and we recommend doing that The best thing about comparing insurance prices online is that you can find better rates but still work with a licensed agent. Buying from small agencies is important especially in Dallas.

Insurance agents in DallasOnce you complete this simple form, the quote information is instantly submitted to agents in your area who will gladly provide quotes to get your business. You never need to leave your computer as quotes are delivered directly to you. You can find the lowest rates without the usual hassles of price shopping. In the event you want to get a comparison quote for a specific company, just jump over to their website and give them your coverage information.

The different types of car insurance agents

If you're trying to find a reliable agent, you need to know there are two different types of agencies from which to choose. Agents can be classified as either independent (non-exclusive) or exclusive.

Independent Agents

Independent agents often have affiliation with several companies so they can write business through many different car insurance companies and find the cheapest car insurance rates. If they quote lower rates, they can switch companies in-house and the insured can keep the same agent.

If you are trying to find cheaper rates, it's recommended you get rate quotes from a few independent agents in order to compare the most rates.

Below is a short list of independent insurance agents in Dallas that may be able to give you cheap rate quotes.

14180 Dallas Pkwy #900 - Dallas, TX 75254 - (972) 267-8000 - View Map

6500 Greenville Ave #680 - Dallas, TX 75206 - (214) 823-2653 - View Map

13111 N Central Expy Suite 8001 - Dallas, TX 75243 - (888) 797-1924 - View Map

More Dallas agents

Exclusive Agencies

Agents in the exclusive channel generally can only insure with one company and examples are Allstate, State Farm and Farmers Insurance. These agents are not able to give you multiple price quotes so they have to upsell other benefits. These agents are well trained on sales techniques which helps them compete with independent agents.

Listed below is a short list of exclusive agencies in Dallas who can help you get price quotes.

9661 Audelia Rd #111 - Dallas, TX 75238 - (214) 328-8282 - View Map

1350 N Buckner Blvd #218 - Dallas, TX 75218 - (214) 324-7676 - View Map

4403 N Central Expy, Ste 100 - Dallas, TX 75205 - (214) 515-9900 - View Map

More Dallas agents

Deciding on a insurance agency requires more thought than just a cheap price quote. Here are some questions to ask:

Is there truth in advertising?

Insurance companies such as Progressive, GEICO, Allstate and State Farm regularly use television and radio advertisements. They all seem to state the claim about savings if you just switch your insurance coverage to their company. But how can every company make almost identical claims?

Many companies have underwriting criteria for the type of customer that earns them a profit. A good example of this type of insured may need to be between the ages of 40 and 55, has never had a policy lapse, and drives less than 5,000 miles a year. Any driver who matches those parameters gets the lowest prices as well as save a lot on Dallas Nissan GT-R insurance if they switch.

Potential customers who may not quite match those criteria will probably be forced to pay higher rates which translates to business not being written. The ads state "customers that switch" not "all people who quote" save that kind of money. This is how insurance companies can confidently advertise the way they do.

This really drives home the point why it's extremely important to compare many company's prices. You cannot predict which company will have the best premium rates at this point in time.

What car insurance coverages do you need?

Understanding the coverages of your car insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Below you'll find typical coverages available from car insurance companies.

UM/UIM Coverage - This protects you and your vehicle's occupants from other drivers when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants and also any damage incurred to your Nissan GT-R.

Because many people carry very low liability coverage limits (30/60/25 in Texas), it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Frequently these limits do not exceed the liability coverage limits.

Auto liability insurance - Liability insurance will cover damages or injuries you inflict on other people or property in an accident. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see limits of 30/60/25 that translate to $30,000 bodily injury coverage, $60,000 for the entire accident, and property damage coverage for $25,000. Alternatively, you may have a combined limit which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against things such as legal defense fees, bail bonds and medical expenses. How much coverage you buy is a personal decision, but it's cheap coverage so purchase as large an amount as possible. Texas requires drivers to carry at least 30/60/25 but you should consider buying higher limits.

Collision coverages - Collision coverage pays for damage to your GT-R caused by collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims like sideswiping another vehicle, scraping a guard rail, crashing into a building and colliding with a tree. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It's also possible to choose a higher deductible on your GT-R to get cheaper collision coverage.

Medical costs insurance - Coverage for medical payments and/or PIP reimburse you for bills like chiropractic care, nursing services, prosthetic devices and surgery. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants in addition to being hit by a car walking across the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive or Other Than Collision - Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like falling objects, a tree branch falling on your vehicle, hitting a bird and fire damage. The most your car insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle's value consider dropping full coverage.

A conclusion for your car insurance search

While you're price shopping online, don't be tempted to reduce needed coverages to save money. There are too many instances where drivers have reduced liability coverage limits only to regret at claim time that it was a big mistake. The goal is to buy a smart amount of coverage for the lowest cost.

We just showed you quite a bit of information on how to lower your Nissan GT-R insurance prices in Dallas. The most important thing to understand is the more quotes you get, the better likelihood of getting affordable Dallas car insurance quotes. Consumers may even find the lowest priced car insurance comes from a lesser-known regional company. These companies often have lower rates on specific markets compared to the large companies like Allstate and Progressive.

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