Save Money on Nissan GT-R Insurance in Seattle

Saving money on Nissan GT-R insurance in Seattle can be challenging for drivers not familiar with quoting and comparing prices online. You have so many agents and companies to choose from that it can easily become a real challenge to find the perfect company for you.

Amazlingly, a recent NerdWallet.com study showed that nearly 70% of drivers have bought car insurance from the same company for four years or more, and 38% of drivers have never even compared quotes to find affordable rates. With the average premium in Washington being $1,200, drivers could save themselves as much as 40% a year just by shopping around, but most just don’t grasp how much they could save if they switched.

Consumers should take time to quote other rates yearly because car insurance prices fluctuate regularly. Even if you got the best quotes on Nissan GT-R insurance in Seattle six months ago you will most likely find a better rate today. Block out anything you think you know about car insurance because we’re going to show you the only way to lower your annual insurance bill.

Best companies for Nissan GT-R insurance

The companies shown below provide price comparisons in Washington. If multiple providers are shown, it’s highly recommended you visit two to three different companies to get the lowest price.

Prices above based on married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Washington minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Price estimates do not factor in Seattle location which can change auto insurance rates significantly.

An analysis of deductible level

One of the more difficult decisions when buying car insurance is which comprehensive and collision deductibles to buy. The comparison tables below lay out the rate difference when you select higher and lower deductibles. The first set of rates uses a $100 comprehensive and collision deductible and the second pricing table uses a $1,000 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Washington minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Rate information does not factor in specific zip code location which can change coverage rates substantially.

Based on the figures above, using a $100 deductible costs roughly $55 more each month or $660 a year than selecting the higher $1,000 deductible. Due to the fact that you would have to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you have at least 16 months between claims, you would most likely save money if you elect the higher deductible. The table below illustrates the way you can come to your own conclusion.

One thing to note is that increasing deductibles to lower your rates means you pay more out-of-pocket when you have to file a claim. That will force you to have enough money in the bank in the event you need to pay the higher deductible.

Age-based car insurance rates by gender

The illustration below compares Nissan GT-R insurance costs for male and female drivers. The data is based on a clean driving record, no at-fault accidents, full coverage, $500 deductibles, single marital status, and no discounts are applied.

Full coverage versus liability-only

The example below visualizes the comparison of Nissan GT-R yearly insurance costs with liability coverage only compared to full coverage. The information is based on no claims or violations, $500 deductibles, married female driver, and no discounts are applied.

When to buy liability coverage only

There is no definitive guideline of when to phase out full coverage, but there is a general convention. If the annual cost of coverage is more than about 10% of the replacement cost minus the deductible, then it might be time to buy liability only.

For example, let’s assume your Nissan GT-R claim settlement value is $6,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most you would receive is $5,000 after the policy deductible has been paid. If it’s costing in excess of $500 annually to have full coverage, then you may need to consider dropping full coverage.

There are a few situations where dropping full coverage is not advised. If you still owe a portion of the original loan, you have to keep full coverage to protect the lienholder’s interest in the vehicle. Also, if you don’t have enough money to buy a different vehicle in case of an accident, you should keep full coverage in place.

Learn How to Lower Your Insurance Rates

Multiple criteria are used when you get a price on insurance. Most are fairly basic like your driving record, but some are not quite as obvious such as your credit history and annual miles driven.

The factors shown below are some of the items used by companies to determine premiums.

• Your liability insurance limits – Your car insurance policy’s liability coverage will afford coverage if ever you are ruled to be at fault for personal injury or accident damage. Your policy’s liability insurance provides legal defense which can cost a lot. This coverage is very inexpensive compared to other policy coverages, so drivers should make sure they buy enough to cover all assets.
• Never let your car insurance expire – Going without insurance can be a sure-fire way to trigger a rate increase. And not only will your rates increase, being ticketed for driving with no insurance might get you fines and jail time. You may then have to submit proof of financial responsibility or a SR-22 with the Washington motor vehicle department to get your license reinstated.
• Impacts performance impacts auto insurance prices – The type of car, truck or SUV you are trying to find cheaper insurance for makes a substantial difference in how high your rates are. Due to the fact that the Nissan GT-R is a sport coupe, insuring your vehicle will cost much more than the average rate where you live in Seattle. Small economy passenger vehicles normally have pretty low rates, but other factors influence the final cost greatly.
• Get cheaper costs after the wedding – Getting married may cut your premiums when shopping for car insurance. Marriage may mean you are more responsible and insurance companies reward insureds because drivers who are married file infrequent claims.
• Safety ratings are a factor – Safer cars are cheaper to insure. Highly rated vehicles help reduce the chance of injuries in an accident and better occupant protection means less money paid by your insurance company and lower rates for you. If your Nissan GT-R earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may pay a lower rate.
• Nissan GT-R insurance loss statistics – Insurance companies use past loss statistics for each vehicle when setting premium rates. Models that the data determines to have a trend towards higher claims will have higher rates for specific coverages.

  The data below shows the historical insurance loss data for Nissan GT-R vehicles. For each policy coverage, the claim probability for all vehicles combined as an average is set at 100. Numbers under 100 imply a favorable loss record, while numbers above 100 point to more frequent losses or tendency to have larger claims.

  Nissan GT-R Insurance Claim Statistics

  Vehicle Make and Model	Collision	Property Damage	Comp	Personal Injury	Medical Payment	Bodily Injury
  Nissan GT-R 2dr 4WD	373	82	317

  BETTER

  AVERAGE

  WORSE

  Empty fields indicate not enough data collected
  Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Lower-cost Seattle auto insurance quotes with discounts

Auto insurance companies do not advertise their entire list of discounts in a way that’s easy to find, so the list below gives a summary of both well-publicized and also the more inconspicuous discounts you could be receiving when you buy Seattle auto insurance online.

• Driver’s Ed – Cut your cost by having your teen driver enroll in driver’s education if offered at their school.
• Savings for New Vehicles – Putting coverage on a new GT-R is cheaper because newer models have to meet stringent safety requirements.
• Government Employee Discount – Being employed by or retired from a federal job may reduce rates when you quote Seattle auto insurance with certain companies.
• Save with More Vehicles Insured – Purchasing coverage when you have multiple cars on one policy can reduce the rates for all insured vehicles.
• Onboard Data Collection – Insureds who allow their insurance company to look at their driving habits by using a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system could see a rate decrease if they are good drivers.
• First Accident Forgiveness – Not a discount per se, but a few companies such as Liberty Mutual, Allstate and State Farm will forgive one accident without the usual rate increase if you have no claims for a set time period.
• Discounts for Good Drivers – Safe drivers can save as much as half off their rates as compared to drivers with claims.
• College Student Discount – Any of your kids who are enrolled in a college that is more than 100 miles from Seattle and leave their car at home may qualify for this discount.
• Service Members Pay Less – Having an actively deployed family member could trigger a small discount.

Don’t be surprised that most discounts do not apply to the entire policy premium. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. So when the math indicates it’s possible to get free car insurance, you won’t be that lucky.

For a list of providers with the best discounts in Seattle, follow this link.

When should I contact an insurance agency?

Many drivers still prefer to go talk to an agent and that is not a bad decision One of the best bonuses of comparing rate quotes online is that drivers can save money and get the best rates and still buy from a local agent. And supporting local insurance agencies is important particularly in Seattle.

By using this simple form, your insurance data is transmitted to local insurance agents in Seattle that provide free Seattle auto insurance quotes to get your business. You never need to search for an agent due to the fact that quote results will go directly to you. You can get cheaper car insurance rates without having to waste a lot of time. In the event you want to compare prices from a specific company, just search and find their rate quote page and fill out their quote form.

Compare rates from both independent and exclusive auto insurance agents

If you are searching for a good insurance agency, you should know the types of agencies and how they function. Agents in Seattle can be categorized as either independent agents or exclusive agents depending on their employer.

Independent Car Insurance Agencies

Agents that choose to be independent are not required to write business for one company so as a result can place your coverage with a variety of different insurance companies and potentially find a lower price. If prices rise, an independent agent can move your coverage and the insured can keep the same agent.

When comparing car insurance rates, you absolutely need to get quotes from at least one independent agent for the best price selection. Many can place coverage with smaller regional carriers that many times have cheaper rates.

Shown below are independent insurance agencies in Seattle that may be able to give free rate quotes.

• Gurry and Rogers Insurance Inc
  1200 5th Ave #1825 – Seattle, WA 98101 – (206) 621-6444 – View Map
• Cairns Insurance Agency
  13751 Lake City Way NE #214 – Seattle, WA 98125 – (206) 368-8117 – View Map
• Grange Insurance Association
  200 Cedar St – Seattle, WA 98121 – (800) 247-2643 – View Map

More insurance agents

Exclusive Car Insurance Agencies

Exclusive agencies can only place business with one company and some examples include American Family, State Farm, and AAA. Exclusive agents are unable to provide other company’s prices so they really need to provide good service. Exclusive insurance agents receive a lot of sales training on what they offer which helps offset the inability to provide other markets. Many people buy insurance from these agents mainly due to the brand name and the convenience of having a single billing for all their coverages.

The following is a short list of exclusive agents in Seattle that are able to give price quotes.

• Jeffrey Taylor – State Farm Insurance Agent
  4850 Rainier Ave S – Seattle, WA 98118 – (206) 725-8008 – View Map
• Raymond Insurance-Pemco and Progressive
  6011 California Ave SW – Seattle, WA 98136 – (206) 933-8812 – View Map
• Mark Hafemeister – State Farm Insurance Agent
  14322 Lake City Way NE – Seattle, WA 98125 – (206) 365-0600 – View Map

More insurance agents

Picking the best auto insurance agent is decision based upon more than just the quoted price. Here are some questions you might want to ask.

• Is assistance available after office hours?
• If your car is in the repair shop, do you have coverage for a rental car?
• What are their preferred companies if they are an independent agency?
• Is vehicle damage repaired with OEM or aftermarket parts?
• How many companies do they write for?
• Do they see any coverage gaps in your plan?
• How long has their agency been open in Seattle?

Once you have received good answers to these questions as well as a price you’re happy with, you may have found a car insurance agent that is professional and can provide car insurance coverage.

Save $466 a year! What?

Popular insurance providers such as Allstate, GEICO and Progressive regularly use ads on television and other media. All the ads make the same claim about how much you will save if you get a free Seattle auto insurance quote and switch to them. But how can every company make the same claim? Here is the trick they use.

All the different companies give the cheapest rates for a prospective insured that earns them the most money. For example, this type of risk profile might be married and over the age of 30, has a low-risk occupation, and has great credit. A propective insured that fits those parameters gets the lowest rates and will probably cut their rates substantially.

Drivers who don’t qualify for these stringent criteria will be charged higher prices and this results in the customer not buying. If you pay close attention to the ads, they say “customers who switch” not “everybody who quotes” can get the lowest rates when switching. That is how companies can advertise the way they do.

This really illustrates why drivers must do a price quote comparison at every renewal. It’s not possible to predict which insurance company will fit you best based on your risk profile.

Special considerations

When it comes to choosing coverage online or from an agent for your vehicles, there is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that can help discover if you would benefit from an agent’s advice.

• Does low annual mileage earn a discount?
• Can my babysitter drive my car?
• Who sells insurance for high-risk drivers?
• What is PIP insurance?
• Can I drive in Mexico and have coverage?
• Is pet coverage available?
• Can I insure my car for more than it’s worth?
• I have good health insurance, so how much medical payments coverage do I need?

If you’re not sure about those questions, you might consider talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form.

Quote more and you will save more

Cheaper Nissan GT-R insurance in Seattle can be bought from both online companies and also from your neighborhood Seattle agents, and you should compare price quotes from both to have the best rate selection. Some insurance companies don’t offer online price quotes and most of the time these smaller providers work with independent insurance agents.

Drivers change insurance companies for a variety of reasons including poor customer service, not issuing a premium refund, denial of a claim or questionable increases in premium. No matter why you want to switch, finding a great new company is actually quite simple.

You just read some good ideas how to find affordable Nissan GT-R insurance in Seattle. The key thing to remember is the more rate comparisons you have, the better chance you’ll have of finding the cheapest Nissan GT-R rate quotes. Consumers could even find that the most savings is with some of the lesser-known companies.

More tips and info about auto insurance is available in these articles:

• Red Light Cameras (State Farm)
• Who Has the Cheapest Seattle Car Insurance for Teenage Females? (FAQ)
• Who Has Cheap Seattle Auto Insurance for Used Cars? (FAQ)
• New vehicle ratings focus on headlights (Insurance Institute for Highway Safety)
• State Car Insurance Guides (GEICO)
• Insurance losses by make and model (Insurance Institute for Highway Safety)
• Anti-Lock Brake FAQ (iihs.org)