It’s safe to assume that auto insurance companies want to prevent you from shopping around. Insureds who shop around for the cheapest rate are highly likely to move their business because of the good chance of finding discount prices. A survey found that consumers who routinely shopped around saved an average of $3,400 over four years compared to policyholders who didn’t regularly shop around.
If finding the best rates on Nissan 370Z insurance is your ultimate objective, knowing how to compare insurance rates can save time, money, and frustration.
If your goal is the lowest price, then the best way to get more affordable auto insurance rates is to regularly compare quotes from providers who provide car insurance in Oklahoma City.
Step 1: Take a few minutes and learn about policy coverages and the things you can change to lower rates. Many factors that increase rates like distracted driving and a not-so-good credit rating can be amended by making small lifestyle or driving habit changes. This article provides more ideas to prevent high prices and find discounts that may have been missed.
Step 2: Obtain price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only quote rates from a single company like Progressive or State Farm, while independent agencies can provide rate quotes from multiple companies.
Step 3: Compare the quotes to the price on your current policy to see if switching to a new carrier will save money. If you can save some money and make a switch, make sure there is no coverage gap between policies.
Step 4: Give notification to your agent or company of your intention to cancel your current policy and submit the signed application along with the required initial payment for your new coverage. Once coverage is bound, put the new certificate verifying proof of insurance along with your vehicle registration.
The critical component of shopping around is that you’ll want to make sure you compare the same deductibles and limits on every quote request and and to get rate quotes from every company you can. This ensures a fair rate comparison and maximum price selection.
Quoting more affordable car insurance coverage in Oklahoma City is not as confusing as people think. Virtually every person who needs lower cost car insurance will most likely buy a cheaper policy. Although Oklahoma drivers must know how insurance companies set your policy premium because rates fluctuate considerably.
Cheapest Nissan insurance prices in Oklahoma City
The following companies can provide price comparisons in Oklahoma. If multiple providers are shown, it’s a good idea that you compare several of them to get the best price comparison.
Premium rates and analysis
The coverage table below covers estimates of insurance policy prices for Nissan 370Z models. Being aware of how insurance premiums are formulated can assist in making smart choices when choosing a car insurance company.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 370Z 2-Dr Coupe | $374 | $926 | $532 | $32 | $160 | $2,024 | $169 |
| 370Z 2-Dr Roadster | $418 | $926 | $470 | $28 | $140 | $1,982 | $165 |
| 370Z Touring 2-Dr Coupe | $418 | $1048 | $532 | $32 | $160 | $2,190 | $183 |
| 370Z Touring 2-Dr Roadster | $418 | $926 | $470 | $28 | $140 | $1,982 | $165 |
| 370Z Nismo 2-Dr Coupe | $418 | $1170 | $532 | $32 | $160 | $2,312 | $193 |
| Get Your Own Custom Quote Go | |||||||
Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Oklahoma minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Estimates do not factor in specific garaging location which can decrease or increase price quotes significantly.
Can higher deductibles save money?
When comparing car insurance rates, the most common question is how high should your deductibles be. The comparison tables below may help to illustrate the differences in price between low and high policy deductibles. The first set of prices uses a $100 deductible for comprehensive and collision coverage and the second rate table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 370Z 2-Dr Coupe | $436 | $946 | $506 | $30 | $152 | $2,095 | $175 |
| 370Z 2-Dr Roadster | $486 | $946 | $448 | $26 | $134 | $2,065 | $172 |
| 370Z Touring 2-Dr Coupe | $486 | $1070 | $506 | $30 | $152 | $2,269 | $189 |
| 370Z Touring 2-Dr Roadster | $486 | $946 | $448 | $26 | $134 | $2,065 | $172 |
| 370Z Nismo 2-Dr Coupe | $486 | $1194 | $506 | $30 | $152 | $2,393 | $199 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 370Z 2-Dr Coupe | $318 | $638 | $506 | $30 | $152 | $1,644 | $137 |
| 370Z 2-Dr Roadster | $354 | $638 | $448 | $26 | $134 | $1,600 | $133 |
| 370Z Touring 2-Dr Coupe | $354 | $722 | $506 | $30 | $152 | $1,764 | $147 |
| 370Z Touring 2-Dr Roadster | $354 | $638 | $448 | $26 | $134 | $1,600 | $133 |
| 370Z Nismo 2-Dr Coupe | $354 | $806 | $506 | $30 | $152 | $1,848 | $154 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Oklahoma minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Information does not factor in vehicle location which can raise or lower coverage prices greatly.
Based on this data, we can arrive at the conclusion that using a $100 deductible will cost you approximately $40 more each month or $480 each year than requesting the higher $500 deductible. Since you would pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you go at a minimum 10 months between claims, you would most likely save money if you opt for a higher deductible.
The example below highlights how deductible selection and can affect Nissan 370Z insurance costs for each age group. The data is based on a single male driver, comp and collision included, and no additional discounts are factored in.
Drive responsibly or pay higher rates
The information below shows how traffic citations and accidents raise Nissan 370Z yearly insurance costs for each age group. The premium estimates are based on a single female driver, full physical damage coverage, $100 deductibles, and no additional discounts are factored in.
Age, gender, and Nissan 370Z insurance
The illustration below shows the comparison of Nissan 370Z insurance premiums for male and female drivers. The price estimates are based on no claims or driving citations, full coverage, $1,000 deductibles, marital status is single, and no other discounts are factored in.
Nissan 370Z liability-only versus full coverage
The example below shows the comparison of Nissan 370Z annual premium costs with liability coverage only compared to full coverage. The premium estimates are based on a clean driving record, no claims, $500 deductibles, single status, and no discounts are applied to the premium.
When to stop paying for full coverage
There is no set guideline of when to drop comprehensive and collision coverage on your policy, but there is a broad guideline. If the yearly cost of comp and collision coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then you may need to consider dropping full coverage.
For example, let’s assume your Nissan 370Z book value is $4,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $3,000 after paying your policy deductible. If you are currently paying more than $300 a year to have full coverage, then it’s probably a good time to buy liability coverage only.
There are a few cases where removing full coverage is not recommended. If you still owe money on your vehicle, you have to keep full coverage to protect the lienholder’s interest. Also, if your finances do not allow you to purchase a different vehicle if your current one is in an accident, you should not consider dropping full coverage.
Insurance rates and discounts
Companies offering auto insurance don’t always publicize every available discount in an easy-to-find place, so the next list breaks down some of the best known as well as some of the hidden discounts that you may qualify for. If you aren’t receiving every discount you deserve, you’re just leaving money on the table.
- Discounts for New Vehicles – Buying insurance on a new vehicle can save you some money because newer vehicles have to meet stringent safety requirements.
- Life Insurance Discount – Larger insurance companies have a lower premium rate if you buy life insurance from them.
- ABS Braking Discount – Vehicles that have steering control and anti-lock brakes can stop better under adverse conditions and earn discounts up to 10%.
- Early Signing – A few companies allow discounts for buying a policy early. It can save you around 10%.
- Student in College – Older children who live away from home at college and do not have a car can be insured at a reduced rate.
- Student Discount for Driver Training – Require your teen driver to enroll in driver’s education in school.
- Service Members Pay Less – Being deployed in the military may qualify for rate reductions.
- First Accident Forgiveness – This one isn’t a discount, but some insurance companies permit an accident without the usual rate increase if your claims history is clear for a certain period of time.
- Discount for Good Grades – Maintaining excellent grades can get you a discount of up to 25%. The discount lasts up to age 25.
- Seat Belts Save – Drivers who always wear seat belts and also require passengers to use their safety belts may be able to save a few bucks off the PIP or medical payment premium.
Remember that most credits do not apply to your bottom line cost. Most only reduce specific coverage prices like comprehensive or collision. Just because it seems like you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.
The information below visualizes the comparison of Nissan 370Z insurance costs with and without discounts applied to the policy rates. The premiums assume a female driver, a clean driving record, no claims, Oklahoma state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, claim-free, marriage, multi-car, and multi-policy discounts applied.
A list of companies and some of the discounts are outlined below.
- American Family offers discounts including defensive driver, multi-vehicle, good student, good driver, air bags, and accident-free.
- State Farm may offer discounts for accident-free, anti-theft, Drive Safe & Save, multiple autos, good student, passive restraint, and student away at school.
- 21st Century includes discounts for anti-lock brakes, early bird, homeowners, air bags, driver training, and 55 and older.
- Travelers discounts include student away at school, IntelliDrive, hybrid/electric vehicle, early quote, multi-policy, new car, and continuous insurance.
- GEICO may include discounts for defensive driver, military active duty, daytime running lights, driver training, and multi-vehicle.
Before buying, ask each company or agent which discounts you may be entitled to. Depending on the company, some discounts may not apply everywhere. To choose insurers that offer many of these discounts in Oklahoma City, follow this link.
Your situation helps dictate your coverage
When it comes to choosing your policy for your vehicles, there really is no one size fits all plan. Each situation is unique so your insurance should reflect that These are some specific questions may help you determine if your situation would benefit from an agent’s advice.
- Is pet coverage available?
- What policy terms are available?
- Do I need added coverage for expensive stereo equipment?
- Will I be non-renewed for getting a DUI or other conviction?
- What is an adequate liability insurance limit?
- Is my ex-spouse still covered by my policy?
If you can’t answer these questions but a few of them apply, then you may want to think about talking to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area.
Are insurance agents of importance?
Many people just want to sit down with an agent and that is a personal choice. One of the great benefits of comparing rate quotes online is that you can obtain cheaper rates and still buy from a local agent. Putting coverage with neighborhood agents is important particularly in Oklahoma City.
After filling out this quick form, the quote information is instantly submitted to companies in Oklahoma City that provide free Oklahoma City auto insurance quotes for your business. It makes it easy because there is no need to contact any insurance agencies since rate quotes are delivered to your email. It’s the lowest rates without the usual hassles of price shopping. If you wish to get a price quote from a specific auto insurance provider, feel free to go to their quote page to submit a rate quote request.
Car insurance agents in Oklahoma City come in two varieties
If you prefer to buy auto insurance from a local insurance agency, you must know there are a couple different types of agents and how they function. Auto insurance policy providers are considered either exclusive or independent agents depending on their company appointments.
Independent Auto Insurance Agencies
Independent agents are appointed with more than one company and that enables them to quote your coverage with multiple insurance companies enabling the ability to shop coverage around. To move your coverage to a new company, your agent can just switch to a different company which makes it simple for you.
If you need lower rates, you will want to check rates from at a minimum one independent agency to have the best price comparison. Most also write with different regional companies which can save you money.
The following is a short list of independent insurance agents in Oklahoma City who can help you get cheap rate quotes.
- Insurance Center Agency Inc
Union Plaza, 5600 N May Ave #300 – Oklahoma City, OK 73112 – (405) 843-0793 – View Map - Russ Warren Insurance Agency
3431 NW 36th St – Oklahoma City, OK 73112 – (405) 947-6745 – View Map - Premier Insurance
3232 W Britton Rd # 150 – Oklahoma City, OK 73120 – (405) 285-4040 – View Map
Exclusive Insurance Agents
Exclusive agencies have only one company to place business with such as State Farm, AAA, and Liberty Mutual. Exclusive agents are unable to give you multiple price quotes so always compare other rates. Exclusive agencies are trained well on the products they sell and that allows them to sell at a higher price point. Consumers sometimes buy from the same agent for years primarily because of the brand legacy rather than having low rates.
Shown below is a list of exclusive insurance agencies in Oklahoma City that can give you comparison quotes.
- Kevin Murphy – State Farm Insurance Agent
1707 S Morgan Rd – Oklahoma City, OK 73128 – (405) 265-2500 – View Map - Terry Amacher – State Farm Insurance Agent
4509 NW 63rd St – Oklahoma City, OK 73132 – (405) 721-5500 – View Map - Farmers Insurance: Todd Jackson
5909 Northwest Expy #105 – Oklahoma City, OK 73132 – (405) 722-5858 – View Map
Finding the right insurance agency needs to be determined by more than just a cheap price quote. A good agent in Oklahoma City will have answers to these questions.
- Do they offer rental car reimbursement?
- Will their companies depreciate repairs to your car based on the mileage?
- Does the company use OEM repair parts?
- Is there a Errors and Omissions policy in force?
- How much can you save by raising your physical damage deductibles?
Get the best coverage at the best price
When you buy Oklahoma City auto insurance online, make sure you don’t skimp on critical coverages to save a buck or two. There have been many situations where an insured cut full coverage and found out when filing a claim that it was a big mistake. The goal is to buy the best coverage you can find at the best price, but do not skimp to save money.
Budget-conscious Nissan 370Z insurance can be purchased both online and from local insurance agents, so you need to quote Oklahoma City auto insurance with both to have the best selection. Some insurance providers may not offer rates over the internet and usually these smaller providers work with independent agents.
Additional detailed information is available in the articles below:
- Eight Auto Insurance Myths (Insurance Information Institute)
- Who Has the Cheapest Auto Insurance Rates for a Chevrolet Equinox in Oklahoma City? (FAQ)
- Who Has Affordable Auto Insurance Rates for Felons in Oklahoma City? (FAQ)
- Who Has Cheap Auto Insurance Rates for Low Credit Scores in Oklahoma City? (FAQ)
- How Much are Oklahoma City Car Insurance Rates for Drivers Over Age 70? (FAQ)
- Who Has Cheap Oklahoma City Car Insurance Rates for Postal Workers? (FAQ)
- Who Has Affordable Oklahoma City Auto Insurance Rates for a Chevrolet Silverado? (FAQ)
- Who Has the Cheapest Auto Insurance for Drivers Over Age 50 in Oklahoma City? (FAQ)
- Auto Theft Statistics (Insurance Information Institute)
- Side Impact Crash Tests (iihs.org)
- Warning systems don’t curb driver distraction (Insurance Institute for Highway Safety)