Trying to come up with a payment for high-priced auto insurance can dwindle your checking account and make it tough to pay other bills. Price shopping at each renewal is an excellent way to lower your monthly bill.

Insurance for Nissan 370ZIt's astonishing, but most auto insurance policyholders in Texas have stayed with the same insurance company for four years or more, and nearly half have never shopped around. With the average auto insurance premium being $1,847, U.S. drivers can save hundreds of dollars each year, but they just assume it's a time-consuming process to go online and compare rates. Companies like GEICO, Progressive and Allstate continually bombard you with ad campaigns and it is difficult to ignore the flying pigs and cute green geckos and do the work needed to find the best deal.

The companies shown below provide comparison quotes in Texas. If you want the best auto insurance in TX, we suggest you visit as many as you can in order to find the lowest rates.

Nissan 370Z Insurance Rates in San Antonio, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
370Z 2-Dr Coupe $186 $390 $444 $26 $132 $1,178 $98
370Z 2-Dr Roadster $376 $738 $392 $24 $118 $1,648 $137
370Z Touring 2-Dr Coupe $258 $602 $452 $26 $136 $1,474 $123
370Z Touring 2-Dr Roadster $196 $414 $400 $24 $120 $1,154 $96
370Z Nismo 2-Dr Coupe $258 $706 $486 $28 $146 $1,624 $135
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Above prices assume single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Rate quotes do not factor in specific zip code location which can increase or decrease insurance rates noticeably.

Impact of careless driving on San Antonio auto insurance rates

The chart below demonstrates how speeding tickets and fender-benders can increase Nissan 370Z insurance premiums for different insured age categories. The rates are based on a married male driver, comp and collision included, $1,000 deductibles, and no policy discounts are applied.

Analysis of deductible levels

One of the hardest decisions when shopping for auto insurance is where should you set your physical damage deductibles. The rates shown below can help you understand the differences in premium rates when you select higher and lower comp and collision deductibles. The first rate comparisons uses a $250 deductible and the second price chart uses a $500 deductible.

Nissan 370Z insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
370Z 2-Dr Coupe $332 $672 $430 $26 $128 $1,613 $134
370Z 2-Dr Roadster $370 $672 $382 $22 $114 $1,585 $132
370Z Touring 2-Dr Coupe $370 $762 $430 $26 $128 $1,741 $145
370Z Touring 2-Dr Roadster $370 $672 $382 $22 $114 $1,585 $132
370Z Nismo 2-Dr Coupe $370 $850 $430 $26 $128 $1,829 $152
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Nissan 370Z insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
370Z 2-Dr Coupe $270 $542 $430 $26 $128 $1,396 $116
370Z 2-Dr Roadster $300 $542 $382 $22 $114 $1,360 $113
370Z Touring 2-Dr Coupe $300 $614 $430 $26 $128 $1,498 $125
370Z Touring 2-Dr Roadster $300 $542 $382 $22 $114 $1,360 $113
370Z Nismo 2-Dr Coupe $300 $686 $430 $26 $128 $1,570 $131
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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, multi-vehicle, homeowner, multi-policy, and safe-driver. Information does not factor in your specific San Antonio location which can modify prices greatly.

Based on this data, we can arrive at the conclusion that using a $250 deductible will cost you roughly $19 more each month or $228 for a full year than selecting the higher $500 deductible. Because you would pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you go at a minimum 13 months between claims, you would more than likely save some money by selecting a higher deductible. Here is how you can do this calculation yourself.

Average monthly premium for $250 deductibles: $139
Average monthly premium for $500 deductibles (subtract): - $120
Monthly savings from raising deductible: $19
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $19
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 13 months

Lower-cost Nissan 370Z insurance in San Antonio

The cost of insuring your cars can be expensive, but there could be available discounts to reduce the price significantly. Certain discounts will be applied when you quote, but once in a while a discount must be manually applied before being credited.Cheaper car insurance with discounts

One thing to note about discounts is that some credits don't apply to the overall cost of the policy. The majority will only reduce individual premiums such as physical damage coverage or medical payments. So despite the fact that it appears you can get free auto insurance, that's just not realistic.

A partial list of companies who may offer some of the discounts shown above include:

If you need affordable San Antonio auto insurance quotes, ask each insurance company which discounts can lower your rates. Discounts might not be offered on policies in every state. If you would like to view companies that offer discounts in Texas, click here.

Learn How to Find Auto Insurance at a Discount

Consumers need to have an understanding of some of the factors that go into determining the rates you pay for auto insurance. When consumers understand what determines base rates, this empowers consumers to make smart changes that could result in lower rates.

Local agents and insurance

Certain consumers just prefer to buy from a licensed agent and that can be a smart move Most agents can make sure you are properly covered and help submit paperwork. One of the best bonuses of comparing insurance prices online is you may find cheap insurance rates and still choose a local agent.

Insurance agency in San AntonioFor easy comparison, once you complete this form (opens in new window), your insurance coverage information is transmitted to agents in your area that give free quotes for your coverage. You won't need to drive around due to the fact that quote results will go to the email address you provide. If you need to compare rates for a specific company, feel free to jump over to their website and give them your coverage information.

Choosing an insurance company needs to be determined by more than just a cheap price. These are some questions your agent should answer.

Save $450 a year. For real?

Texas consumers can't ignore all the ads that claim the cheapest rates by Allstate, GEICO and Progressive. All the companies have a common claim that you'll save big just by switching your policy.

How do they all say the same thing?

Many companies can use profiling for the type of customer they prefer to insure. For example, a preferred risk might be described as over age 30, has other policies, and drives a car with an anti-theft system. A customer who fits those characteristics will probably get the lowest premium rates and will probably save if they switch.

Potential insureds who do not fit this ideal profile will probably be forced to pay a higher premium which results in the prospect going elsewhere. The ad wording is "customers that switch" not "everyone that quotes" save that kind of money. That is how insurance companies can confidently make it sound like they have such great car insurance rates. Each company has different criteria, so you should do a price quote comparison at every renewal. Because you cannot predict which auto insurance company will provide you with the cheapest Nissan 370Z insurance in San Antonio.

Don't give up on affordable rates

When getting San Antonio auto insurance quotes online, it's not a good idea to reduce coverage to reduce premium. There have been many situations where someone dropped liability limits or collision coverage only to regret that the small savings ended up costing them much more. Your focus should be to buy a smart amount of coverage at an affordable rate.

We covered some good ideas how to find affordable Nissan 370Z insurance in San Antonio. The key concept to understand is the more providers you compare, the higher the chance of saving money. You may even discover the lowest priced auto insurance comes from a company that doesn't do a lot of advertising. Regional companies can often provide lower prices in certain areas as compared to the big name companies such as Progressive or GEICO.

Lower-priced Nissan 370Z insurance in San Antonio can be bought from both online companies and with local San Antonio insurance agents, and you should compare rates from both so you have a total pricing picture. Some insurance providers may not have the ability to get quotes online and most of the time these regional insurance providers work with independent insurance agencies.

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