Would you like an easy way to compare more competitive Nissan GT-R insurance in San Diego? Do you get confused by the wide range of auto insurance providers in your area? Many other drivers are as well. You have so many choices that it can easily turn into a burden to find the perfect company for you. Lots of people think San Diego has many things to offer, but the high cost of auto insurance can make it impossible to stay on budget.
Astonishing but true, a large majority of drivers have stayed with the same insurance company for at least the last four years, and roughly 40% of drivers have never compared rates with other companies. The average driver in California could save an average of almost 35% each year, but they don’t believe the actual amount they would save if they just switched companies.
Pricing the cheapest insurance policy in San Diego is easy to do. Essentially every vehicle owner who compares rates for insurance should be able to find better rates. Nevertheless, California car owners do need to understand how insurance companies compete online because it varies considerably.
Best companies for Nissan GT-R insurance
The following companies can provide price comparisons in California. If multiple companies are shown, we suggest you compare several of them to get the most competitive price.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|GT-R Premium AWD 2-Dr||$316||$690||$386||$22||$116||$1,530||$128|
|GT-R AWD 2-Dr||$438||$1084||$488||$28||$146||$2,184||$182|
|Get Your Own Custom Quote Go|
Table data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Premium costs do not factor in zip code location which can affect premiums significantly.
Raise deductibles and save
The example below illustrates how your choice of deductibles and can impact Nissan GT-R insurance prices for different categories of driver ages. The information is based on a single male driver, comprehensive and collision coverage, and no other discounts are factored in.
Rate increases following a ticket or accident
The illustration below demonstrates how speeding tickets and at-fault accidents drive up Nissan GT-R car insurance costs for different age groups. The costs are based on a single female driver, full physical damage coverage, $100 deductibles, and no additional discounts are factored in.
Nissan GT-R insurance discounts in San Diego
Some companies don’t necessarily list every discount they offer very well, so the list below contains a few of the more common and the harder-to-find insurance savings.
- Multi-car Discount – Drivers who insure multiple vehicles with the same company can get a discount on all vehicles.
- Full Payment Discount – By making one initial payment as opposed to paying monthly you could save up to 5%.
- ABS Braking Discount – Cars, trucks, and SUVs that have anti-lock braking systems can avoid accidents and qualify for as much as a 10% discount.
- Theft Deterrent Discount – Vehicles with anti-theft systems help deter theft and earn discounts up to 10% off your San Diego car insurance quote.
- Government Employees – Employees or retirees of the government can save as much as 8% but check with your company.
- One Accident Forgiven – Not necessarily a discount, but a handful of insurance companies permit an accident before they charge you more for coverage as long as you don’t have any claims for a certain period of time.
- E-sign – Certain companies will give you a small discount simply for signing online.
Please keep in mind that most discount credits are not given to the overall cost of the policy. Some only apply to the cost of specific coverages such as comp or med pay. Even though it appears you could get a free insurance policy, you aren’t that lucky.
A partial list of companies who may offer most of the discounts above may include but are not limited to:
When getting a coverage quote, ask all companies you are considering which discounts they offer. Savings may not apply to policyholders in San Diego. For a list of insurance companies who offer cheap Nissan GT-R insurance quotes in California, follow this link.
Get rate quotes but work with a neighborhood San Diego auto insurance agent
Many people just want to buy from a licensed agent and that is just fine! One of the best bonuses of comparing rates online is the fact that you can find cheap auto insurance quotes and still buy from a local agent. Buying from local agencies is definitely important in San Diego.
To make it easy to find an agent, after completing this quick form, your information is emailed to local insurance agents in San Diego who will give you quotes for your auto insurance coverage. You won’t even need to find an agent on your own due to the fact that quote results will go directly to you. You can find the lowest rates without having to waste a lot of time. In the event you want to quote rates from a specific auto insurance provider, just go to their quote page and give them your coverage information.
Finding the right company requires more thought than just the premium amount. Before buying a policy in San Diego, get answers to these questions.
- Will they make sure you get an adequate claim settlement?
- Is their price quote a firm figure or are their hidden costs?
- Will you work with the agent or an assistant?
- What will you get paid if your car is a total loss? How is that amount determined?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- What is the agency’s Better Business Bureau rating?
Detailed coverages of your insurance policy
Understanding the coverages of insurance helps when choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.
Comprehensive (Other than Collision)
This coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive can pay for claims such as fire damage, rock chips in glass, theft, damage from getting keyed and hitting a deer. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
Auto collision coverage
This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision coverage protects against claims like driving through your garage door, backing into a parked car, rolling your car and hitting a parking meter. This coverage can be expensive, so consider dropping it from older vehicles. It’s also possible to raise the deductible on your GT-R to get cheaper collision coverage.
Protection from uninsured/underinsured drivers
Your UM/UIM coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants and also any damage incurred to your Nissan GT-R.
Because many people have only the minimum liability required by law (California limits are 15/30/5), it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Most of the time the UM/UIM limits are set the same as your liability limits.
Medical expense insurance
Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses such as chiropractic care, rehabilitation expenses and X-ray expenses. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants in addition to any family member struck as a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay
Liability car insurance
This can cover damage that occurs to a person or their property. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 15/30/5 which means $15,000 bodily injury coverage, a limit of $30,000 in injury protection per accident, and $5,000 of coverage for damaged property. Another option is one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.
Liability can pay for things such as bail bonds, medical expenses, structural damage and repair costs for stationary objects. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford. California requires drivers to carry at least 15/30/5 but you should think about purchasing better liability coverage.
Affordable insurance rates are out there
Consumers leave their current company for any number of reasons including delays in paying claims, unfair underwriting practices, policy non-renewal and poor customer service. Regardless of your reason, choosing a new insurance company can be easy and end up saving you some money.
As you restructure your insurance plan, it’s very important that you do not sacrifice coverage to reduce premiums. There are many occasions where an accident victim reduced liability limits or collision coverage and learned later that it was a big error on their part. Your goal should be to buy enough coverage at the best cost but still have enough coverage for asset protection.
In this article, we presented a lot of techniques to shop for Nissan GT-R insurance online. The most important thing to understand is the more times you quote, the better likelihood of getting affordable San Diego car insurance quotes. Drivers may even discover the best prices are with a lesser-known regional company.
More tips and info about insurance can be found by following these links:
- Information for Teen Drivers (GEICO)
- Who Has the Cheapest Auto Insurance Quotes for Drivers Requiring a SR22 in San Diego? (FAQ)
- Who Has the Cheapest San Diego Auto Insurance Rates for Immigrants? (FAQ)
- Who Has Affordable San Diego Auto Insurance Quotes for Used Cars? (FAQ)
- Who Has Cheap Auto Insurance for a Toyota Corolla in San Diego? (FAQ)
- Who Has Cheap San Diego Auto Insurance with Multiple Speeding Tickets? (FAQ)
- Things to Know Before you Cancel Insurance (Allstate)
- New head restraint design cuts injuries (Insurance Institute for Highway Safety)
- Electronic Stability Control FAQ (iihs.org)