Nissan 370Z Insurance Rates in Bakersfield

A recent car insurance study revealed that nearly 70% of customers kept their coverage with the same car insurance company for over three years, and 38% of customers have never shopped around. Bakersfield drivers could save an average of roughly $500 each year by just comparing quotes, but they just assume it’s a time-consuming process to compare rate quotes online.

Really, the only way to find cheaper prices for auto insurance rates is to compare prices once a year from providers who provide car insurance in Bakersfield.

1. Try to understand coverages and the factors you can control to keep rates down. Many rating factors that cause high rates like at-fault accidents, careless driving, and a poor credit rating can be amended by improving your driving habits or financial responsibility.
2. Compare prices from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only give prices from a single company like GEICO or Allstate, while independent agents can give you price quotes for many different companies. Begin your rate comparison
3. Compare the new rate quotes to the price on your current policy to see if you can save by switching companies. If you find a lower rate quote, ensure there is no coverage lapse between policies.
4. Provide notification to your current company of your decision to cancel your current coverage and submit the application along with any required down payment for your new coverage. Once received, store the certificate of insurance with your registration paperwork.

An important bit of advice to remember is that you’ll want to compare similar limits and deductibles on every quote request and and to get price quotes from all possible companies. This helps ensure a level playing field and a thorough price selection.

Best Nissan 370Z insurance rate quotes in California

The companies shown below offer comparison quotes in Bakersfield, CA. If multiple companies are listed, it’s highly recommended you compare several of them to find the most affordable auto insurance rates.

Rates and detailed analysis

The coverage table displayed below outlines detailed analysis of insurance rates for Nissan 370Z models. Having a better idea how car insurance premiums are formulated can help guide drivers when making smart choices when purchasing an insurance policy.

Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Rate information does not factor in specific zip code location which can revise rates greatly.

Raise deductibles and save

A question often asked by Bakersfield drivers is how low should you set your deductibles. The comparison tables below can help you visualize the premium difference between high and low deductibles. The first price estimate table uses a $100 physical damage coverage deductible and the second rate chart uses a $1,000 deductible.

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Price information does not factor in the specific area where the vehicle is garaged which can alter insurance rates substantially.

Based on the data above, we can derive that using a $100 deductible will cost you about $59 more each month or $708 annually averaged for all 370Z models than requesting the higher $1,000 deductible. Because you would pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to average more than 15 months between claims, you would probably come out ahead by going with a higher deductible.

One thing to be aware of is that raising deductibles to save money means you will have to pay more when you have a physical damage claim. You need enough extra money in order to pay the higher deductible in order to repair your vehicle.

Full coverage rates compared to liability-only

The illustration below visualizes the comparison of Nissan 370Z insurance costs when comparing full coverage to state minimum liability only. Data assumes no claims or violations, $100 deductibles, single marital status, and no discounts are taken into consideration.

Are you wasting money paying for full coverage?

There isn’t a steadfast formula to stop buying physical damage insurance, but there is a general guideline you can use. If the yearly cost of full coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then it could be time to drop full coverage.

For example, let’s assume your Nissan 370Z settlement value is $5,000 and you have $1,000 deductibles. If your vehicle is totaled, the most your company will settle for is $4,000 after paying your deductible. If it’s costing you more than $400 a year for your policy with full coverage, then you might want to consider buying only liability coverage.

There are some circumstances where dropping full coverage is not advised. If you have an outstanding loan on your vehicle, you have to keep full coverage to satisfy the loan requirements. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should not remove full coverage.

Discount Bakersfield insurance quotes

Insurance can be prohibitively expensive, but there could be available discounts that many consumers don’t even know exist. Most are applied when you complete an application, but a few must be specially asked for prior to receiving the credit. If you do not check that you are getting every discount you qualify for, you are just wasting money.

• Early Payment Discounts – By making one initial payment instead of paying each month you could save up to 5%.
• Onboard Data Collection – Drivers that enable their company to track when and where they use their vehicle by installing a telematics device like Drivewise from Allstate or In-Drive from State Farm might get better premium rates if they have good driving habits.
• Accident Forgiveness Coverage – This isn’t a discount exactly, but a few companies such as Progressive, Allstate, and Liberty Mutual will forgive one accident before your rates go up with the catch being you have to be claim-free for a particular time prior to the accident.
• Own a Home – Just being a homeowner can earn you a little savings because maintaining a house requires personal responsibility.
• Discounts for Federal Employees – Having worked for a branch of the government could cut as much as 10% off but check with your company.
• Early Signing – A few companies allow discounts for switching companies before your current expiration date. It’s a savings of about 10%.
• Student Discount for Driver Training – Require your teen driver to successfully take a driver’s education course if offered at their school.
• ABS Brakes – Cars equipped with ABS or steering control are safer to drive so companies give up to a 10% discount.

One last thing about discounts, some credits don’t apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as medical payments or collision. Despite the fact that it seems like it’s possible to get free car insurance, insurance companies wouldn’t stay in business.

The chart below illustrates the difference between Nissan 370Z insurance prices with and without discounts applied to the rates. The premiums assume a male driver, no violations or claims, California state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-car, multi-policy, safe-driver, claim-free, and homeowner discounts applied.

To see a list of providers who offer online Nissan 370Z insurance quotes in California, click here.

Smart Consumers Can Lower Their Insurance Rates

The best way to find cheaper auto insurance is to take a look at the rating factors that go into determining the rates you pay for auto insurance. If you know what controls the rates you pay, this enables informed choices that may result in better auto insurance rates.

Listed below are some of the factors auto insurance companies consider when setting your rates.

• Do you really need roadside assistance? – There are a ton of extra bells and whistles that you can buy if you aren’t careful. Add-on coverages like roadside assistance, better glass coverage, and membership fees may be wasting your money. They may seem like a good idea when you first buy your policy, but if you don’t need them remove them and pocket the money.

• Expect high rates for teens – Teenage drivers in California are statistically proven to be less responsible when behind the wheel so they pay higher auto insurance rates. Adding a beginning driver to your auto insurance policy can be quite pricey. Older insureds are shown to be more cautious, tend to cause fewer accidents, and usually have better credit.

  The following data is based on a single driver, full coverage with $250 deductibles, and no discounts or violations.

• Save by driving less – Driving more miles every year the higher your rates will be. Almost all companies calculate rates based upon how the vehicle is primarily used. Cars and trucks not used for work or commuting can be on a lower rate level than those used for commuting. Ask your agent if your declarations sheet correctly shows how each vehicle is driven, because it can save money. Improper usage on your 370Z may be costing you higher rates.
• Consolidate and save – Many companies will award discounts to clients that have more than one policy in the form of a multi-policy discount. This can amount to anywhere from five to ten percent in most cases. Even if you already get this discount, consumers should still compare other Bakersfield 370Z insurance rates to help guarantee you have the best rates.
• Pay more if you have a long commute – Living in less populated areas of the country may provide you with better prices when insuring your vehicles. Fewer drivers translates into fewer accident claims. Drivers in populated California areas regularly have more auto accidents and more time behind the wheel. The longer drive time can result in more accidents.
• Married drivers get cheaper premiums – Getting married may save some money when buying auto insurance. It means you’re more mature than a single person and it’s proven that being married results in fewer claims.

• Insurance losses for a Nissan 370Z – Companies study historical loss data to calculate a rate that will offset any claims. Vehicles that the statistics show to have higher losses will have increased rates.

  The table below demonstrates the actual insurance loss data for Nissan 370Z vehicles. For each coverage type, the loss probability for all vehicles compiled together is considered to be 100. Percentages below 100 mean the vehicle has better than average losses, while percentage numbers above 100 indicate more frequent claims or tendency to have larger claims.

  
  

  Car Insurance Loss Data for Nissan 370Z Models

  Vehicle Make and Model	Collision	Property Damage	Comp	Personal Injury	Medical Payment	Bodily Injury
  Nissan 370Z 2dr	164	88	132	91		88
  Nissan 370Z Convertible	129		73

  BETTER

  AVERAGE

  WORSE

  Empty fields indicate not enough data collected
  Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

You may need help from an agent

Some consumers would rather talk to an insurance agent and that can be a great decision Agents can answer important questions and help submit paperwork. An additional benefit of comparing rate quotes online is the fact that drivers can get cheap insurance quotes but also keep your business local.

After filling out this quick form, your insurance coverage information is immediately sent to local insurance agents in Bakersfield that provide free Bakersfield car insurance quotes to get your business. It simplifies rate comparisons since you won’t have to search for an agent because prices are sent to you instantly. If you have a need to compare prices from a specific insurance provider, you would need to visit that company’s website and complete a quote there.

Picking the best provider is decision based upon more than just the price. These are some questions you should get answers to.

• Are claims handled at the agent’s location?
• By raising physical damage deductibles, how much would you save?
• Will one accident increase rates?
• Can you get a list of referrals?
• Are they in the agency full-time?
• How long have they worked with personal auto insurance coverage?

Below are agents in Bakersfield that may be willing to give price quote information for Nissan 370Z insurance in Bakersfield.

• Tom Smethurst – State Farm Insurance Agent
  13061 Rosedale Hwy a – Bakersfield, CA 93314 – (661) 589-1991 – View Map
• Adam Hopkins – State Farm Insurance Agent
  5500 Ming Ave #180 – Bakersfield, CA 93309 – (661) 396-7947 – View Map
• State Farm: Janet Hopkins
  1528 18th St – Bakersfield, CA 93301 – (661) 327-8621 – View Map
• Keith Goree – State Farm Insurance Agent
  11350 Ming Ave #230 – Bakersfield, CA 93311 – (661) 663-9000 – View Map

View more agents

Best auto insurance company in California

Choosing the best auto insurance company is difficult considering how many companies there are to choose from in Bakersfield. The information shown below could help you analyze which auto insurance companies you want to consider buying from.

Top 10 Bakersfield Car Insurance Companies Ranked by Claims Service

1. AAA of Southern California
2. State Farm
3. Esurance
4. AAA Insurance
5. Progressive
6. Liberty Mutual
7. GEICO
8. Allstate
9. Titan Insurance
10. The Hartford

You can find cheaper coverage

Insureds change insurance companies for any number of reasons including delays in responding to claim requests, high rates after DUI convictions, unfair underwriting practices and extreme rates for teen drivers. Regardless of your reason, switching car insurance companies can be easier than you think.

As you quote Bakersfield car insurance, never skimp on critical coverages to save a buck or two. There are many occasions where drivers have reduced comprehensive coverage or liability limits and found out when filing a claim that it was a big error on their part. The proper strategy is to purchase plenty of coverage at an affordable rate, but do not skimp to save money.

We just presented a lot of ways to compare Nissan 370Z insurance premium rates in Bakersfield. The most important thing to understand is the more providers you compare, the higher the chance of saving money. You may even find the most savings is with a lesser-known regional company.

For more information, link through to the articles below:

• Crash Avoidance Technologies FAQ (iihs.org)
• Who Has Affordable Bakersfield Car Insurance for a Toyota Tacoma? (FAQ)
• Who Has the Cheapest Auto Insurance Rates for Safe Drivers in Bakersfield? (FAQ)
• Who Has the Cheapest Bakersfield Car Insurance Rates for Teenagers? (FAQ)
• Who Has Affordable Car Insurance for Welfare Recipients in Bakersfield? (FAQ)
• Credit Impacts Car Insurance Rates (State Farm)
• How Does Hitting a Deer Impact Insurance Rates? (Allstate)
• What if I Can’t Find Coverage? (Insurance Information Institute)
• Older Driver Statistics (Insurance Information Institute)