Would you like to find cheaper Nissan GT-R insurance in Atlanta? Having to pay for high-priced auto insurance in Atlanta can overdraw your budget and put the squeeze on your family's finances. Price shopping at each renewal is free, only takes a few minutes, and is a good way to lower your monthly bill.
Inconceivable but true, the vast majority of auto insurance customers in Georgia renewed their policy with the same company for a minimum of four years, and just short of a majority have never taken the time to shop around. Many consumers in the U.S. could save as much as 47% every year by just shopping around, but they don't invest the time required to compare rates and save money.
Big-name insurance companies like Allstate and Progressive constantly bombard you with fancy advertisements and consumers find it hard to see through the cute green geckos and mayhem and effectively compare rates to find the best deal.
It's a great practice to quote other rates periodically because insurance prices trend upward over time. Just because you had the best price on Nissan GT-R insurance in Atlanta a few years ago there is a good chance you can find better rates now. Block out anything you think you know about auto insurance because you're about to learn one of the easiest ways to remove unneeded coverages and save money.
If you have a current car insurance policy, you stand a good chance to be able to get lower rates using this strategy. Locating the best rates in Atlanta is not that difficult as long as you know where to start. Although Georgia consumers do need to learn the way insurance companies price online insurance because it can help you find the best coverage.
Car insurance policy discounts for Nissan GT-R insurance in Atlanta
Companies do not advertise every policy discount very well, so the following is a list of a few of the more well known and the harder-to-find discounts that may be available.
- College Student - Kids who are enrolled in higher education away from home and won't have access to an insured vehicle may be able to be covered for less.
- Discount for Life Insurance - Larger insurance carriers have a discount if you purchase auto and life insurance together.
- Discount for Home Ownership - Owning your own home or condo can get you a discount because it is proof of financial responsibility.
- Federal Government Employee - Being employed by or retired from a federal job could provide a small rate reduction depending on your car insurance provider.
- Driver's Ed - Cut your cost by having your teen driver successfully take a driver's education course in school.
- Claim-Free Discount - Good drivers with no accidents pay much less when compared to accident-prone drivers.
- Responsible Driver Discount - Accident-free drivers could pay up to 40% less than drivers with accidents.
A little note about advertised discounts, some credits don't apply to the whole policy. Most only cut individual premiums such as collision or personal injury protection. So when it seems like you could get a free car insurance policy, insurance companies wouldn't stay in business.
Companies that may offer policyholders most of these discounts include:
When getting a coverage quote, ask each company which credits you are entitled to. A few discounts might not be offered in Atlanta. To see car insurance companies who offer online Nissan GT-R insurance quotes in Atlanta, click here.
Most companies give price estimates on the web. Getting quotes for Nissan GT-R insurance in Atlanta doesn't take a lot of time because you just enter the coverages you want into the quote form. After the form is submitted, the company's rating system makes automated requests for your driving and credit reports and returns pricing information based on many factors. Quoting online for Nissan GT-R insurance in Atlanta makes it a lot easier to compare rates and it is important to have as many quotes as possible if you want to get the most affordable possible premiums on car insurance.
To compare rates using this form now, compare quotes from the companies shown below. If you have your current policy handy, we recommend you duplicate your coverages exactly as they are listed on your policy. This guarantees you're receiving comparison quotes based on identical coverages.
The companies shown below have been selected to offer comparison quotes in Georgia. If more than one company is shown, it's highly recommended you visit several of them in order to find the most competitive rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|GT-R Premium AWD 2-Dr||$296||$754||$434||$26||$130||$1,640||$137|
|GT-R AWD 2-Dr||$478||$1240||$352||$20||$106||$2,196||$183|
|Get Your Own Custom Quote Go|
Prices based on married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Georgia minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Premium amounts do not factor in specific zip code location which can impact insurance rates greatly.
Policy deductible comparison
The chart below demonstrates how deductible levels and can change Nissan GT-R insurance prices for different ages of insureds. The costs are based on a single female driver, full physical damage coverage, and no discounts are factored in.
How to Lower Your Insurance Premiums
Many factors are part of the equation when premium rates are determined. Some of the criteria are obvious like an MVR report, but other criteria are more obscure such as whether you are married or your commute time.
Listed below are a few of the things used by companies to determine rates.
Poor credit decisions can cost you - An insured's credit score is likely to be a major factor in determining what you pay. Insureds with high credit scores tend to be more responsible as compared to drivers with lower ratings. Therefore, if your credit rating could use some work, you could be paying less to insure your Nissan GT-R by repairing your credit.
Prevent theft and save - Selecting a car model with anti-theft technology or alarm system can help bring down rates. Systems that thwart thieves such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all aid in stopping car theft.
More performance means more cost - The make and model of the vehicle you drive makes a significant difference in your car insurance bill. The cheapest rates are generally reserved for lower performance four cylinder passenger models, but there are many factors that impact the final cost. Because the Nissan GT-R is classified as a sport coupe, insurance will be much more as compared to the average rate in Atlanta.
More people means more accidents - Choosing to live in small towns and rural areas is a positive aspect when shopping for auto insurance. Fewer drivers on the road means a lower chance of having an accident in addition to lower liability claims Drivers in populated Georgia areas tend to have traffic congestion and more severe claims. More time commuting means a statistically higher chance of an accident.
Poor driving leads to higher rates - Drivers with clean records receive lower rates as compared to careless drivers. Having a single moving violation can increase the cost of insurance by as much as twenty percent. Drivers who get dangerous violations such as DWI, reckless driving or hit and run convictions may find that they have to to maintain a SR-22 with their state motor vehicle department in order to drive a vehicle legally.
Lower rates for safer cars - Safer cars are cheaper to insure. Vehicles built for safety protect occupants better and fewer serious injuries translates directly to fewer claims and cheaper rates on your policy. If your Nissan GT-R scored better than an "acceptable" rating on the Insurance Institute for Highway Safety website you may pay a lower rate.
Insurance is expensive for younger drivers - More experienced drivers are viewed as being more responsible, are lower risk to insure, and tend to be get fewer driving tickets.Drivers with little experience are statistically shown to be more careless when driving so insurance rates are higher.
Be proud to be claim-free - If you tend to file frequent claims, you can definitely plan on either policy cancellation or increased premiums. Insurance companies in Georgia provide the best rates to drivers who do not file claims often. Auto insurance is intended for the bigger claims that can't be paid out-of-pocket.
Nissan GT-R claim probability - Car insurance companies analyze the history of losses to determine a rate that will be profitable for them. Vehicles that statistically have higher claim amounts or frequency will have higher rates. The table below shows the insurance loss data for Nissan GT-R vehicles.
For each coverage type, the claim probability for all vehicles, as an average, is a value of 100. Values that are under 100 suggest a positive loss record, while values that are above 100 point to more claims or tendency to have higher losses.
Nissan GT-R Insurance Claim Statistics
|Specific Nissan Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Nissan GT-R 2dr 4WD||373||82||317|
Empty fields indicate not enough data collected
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Which policy gives me the best coverage?
When it comes to adequate coverage, there isn't really a best way to insure your cars. Everyone's situation is a little different and your auto insurance should unique, too. For instance, these questions could help you determine if you would benefit from an agent's advice.
- Are all vehicle passengers covered by medical payments coverage?
- Does coverage extend to Mexico or Canada?
- Am I covered by my employer's commercial auto policy when driving my personal car for business?
- Am I covered while delivering pizza?
- Do I need replacement cost coverage?
- Does coverage follow the driver or the vehicle?
- Am I covered by my spouse's policy after a separation?
If you don't know the answers to these questions but you know they apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier
Insurance agents can help
A small number of people just prefer to talk to a local agent and doing so can bring peace of mind A nice benefit of price shopping on the web is that drivers can save money and get lower rates and still buy from a local agent. Supporting local agencies is important particularly in Atlanta.
To help locate an agent, after submitting this short form, the quote information is submitted to local insurance agents in Atlanta who will give you quotes for your business. You don't have to even leave your home because quoted prices will be sent to you. You can find the lowest rates and an insurance agent to talk to. If you need to get a comparison quote from a specific car insurance provider, don't hesitate to visit that company's website to submit a rate quote request.
If you prefer to buy car insurance from a reliable insurance agency, there are two different agency structures and how they work. Car insurance agencies are considered either independent agents or exclusive agents depending on their employer.
Independent Car Insurance Agents (or Brokers)
Agents in the independent channel do not write with just one company so as a result can place your coverage with many different companies enabling the ability to shop coverage around. If you are not satisfied with one company, the business is moved internally and you won't have to switch agencies. When comparing rate quotes, you need to include multiple independent agents in order to compare the most rates.
The following is a list of independent agents in Atlanta that may be able to give price quotes.
Agents in the exclusive channel are contracted to one company such as Farmers Insurance, State Farm, or Allstate. They are unable to provide other company's prices so they have to upsell other benefits. Exclusive agencies are well trained on their products and sales techniques which helps overcome the inability to quote other rates.
Shown below is a list of exclusive insurance agents in Atlanta who can help you get price quote information.
Eddie Sanders - State Farm Insurance Agent
47 Perimeter Center E #130 - Atlanta, GA 30346 - (770) 394-5068 - View Map
Deciding on an auto insurance agent requires you to look at more than just a cheap price quote. Any agent in Atlanta should be willing to answer these questions.
- If you raise deductibles, how much can you save?
- Can you get a list of referrals?
- Does the agent have a valid license to sell insurance in Georgia?
- How much training do they have in personal risk management?
- Do they have a Better Business Bureau rating in Atlanta?
- Is the quote a firm price?
Choosing the best Nissan GT-R insurance in Georgia is an important decision
Despite the high insurance cost for a Nissan GT-R in Atlanta, paying for insurance is required by state law in Georgia and it also provides benefits you may not be aware of.
- Almost all states have mandatory insurance requirements which means state laws require a specific minimum amount of liability insurance coverage if you don't want to risk a ticket. In Georgia these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you have a loan on your Nissan GT-R, more than likely the lender will require you to carry insurance to ensure the loan is repaid in case of a total loss. If you default on your policy, the bank may insure your Nissan at a more expensive rate and force you to pay a much higher amount than you were paying before.
- Insurance protects both your Nissan GT-R and your personal assets. It also can pay for medical expenses for both you and anyone you injure as the result of an accident. Liability coverage, the one required by state law, also pays expenses related to your legal defense if you are sued as the result of your driving. If mother nature or an accident damages your car, comprehensive (other-than-collision) and collision coverage will cover the repair costs.
The benefits of carrying adequate insurance more than offset the price you pay, particularly if you ever have a claim. But the average driver in Georgia is wasting up to $800 each year so you should quote and compare rates every year to ensure rates are inline.
Lower rates by being persistent
We just presented a lot of techniques to get a better price on Nissan GT-R insurance in Atlanta. The most important thing to understand is the more rate quotes you have, the better likelihood of getting affordable Nissan GT-R insurance quotes. Drivers may even discover the lowest car insurance rates are with a small local company. Some small companies may cover specific market segments cheaper as compared to the big name companies such as Progressive and GEICO.
Cheap Nissan GT-R insurance in Atlanta can be bought on the web and also from your neighborhood Atlanta agents, and you should be comparing both in order to have the best price selection to choose from. Some insurance companies may not provide online rate quotes and usually these small insurance companies prefer to sell through independent agents.
To learn more, feel free to visit the articles below:
- Teen Driving and Texting (State Farm)
- How Much are Atlanta Auto Insurance Rates for a Nissan Sentra? (FAQ)
- Avoiding Deer Collisions (Insurance Information Institute)
- Understanding Your Insurance Deductible (Insurance Information Institute)
- What is Covered by GAP Insurance? (Allstate)
- Vehicle Insurance in the U.S. (Wikipedia)