It takes a little time, but the best way to find discount Nissan 370Z insurance is to compare prices once a year from providers in Portland.
- First, get a basic knowledge of how your policy works and the measures you can take to prevent rate increases. Many things that drive up the price like accidents, traffic tickets, and a bad credit rating can be controlled by making minor changes to your lifestyle.
- Second, get rate quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only provide price estimates from a single company like GEICO and State Farm, while independent agencies can provide prices for a wide range of insurance providers.
- Third, compare the new rates to your existing rates to see if you can save by switching companies. If you find a lower rate quote and change companies, ensure coverage does not lapse between policies.
The most important part of shopping around is to make sure you’re comparing identical coverages on every quote and to quote with as many companies as you can. This ensures a fair rate comparison and a better comparison of the market.
Smart shoppers know that auto insurance companies don’t want policyholders to compare prices from other companies. People who compare price quotes will, in all likelihood, move their business because there is a good probability of finding a lower rate. A survey found that consumers who compared rates regularly saved over $850 each year as compared to drivers who never compared prices.
If finding the lowest rates on insurance in Portland is why you’re here, then learning a little about how to get rate quotes and compare car insurance can help you succeed in saving money.
If you have auto insurance now, you will be able to get lower rates using this information. These techniques will familiarize you with how to effectively get price quotes and also save some money in the process But Oregon car owners do need to learn the methods companies use to sell insurance online because it varies considerably.
Discounts mean cheaper rates for Nissan 370Z insurance in Portland
Some companies do not advertise every policy discount very well, so the next list breaks down both the well known and also the lesser-known credits available to bring down your rates.
- Good Students Pay Less – Maintaining excellent grades can be rewarded with saving of up to 25%. Most companies allow this discount until age 25.
- Use Seat Belts – Buckling up and requiring all passengers to buckle up can save up to 15% off the personal injury premium cost.
- Low Mileage Discounts – Maintaining low annual mileage could qualify for better rates on cars that stay parked.
- Switch and Save Discount – A few car insurance companies allow discounts for switching policies early. You can save around 10% with this discount.
- Passenger Safety Discount – Vehicles equipped with air bags may get savings of 25 to 30%.
- Military Rewards – Having a family member in the military could be rewarded with lower rates.
- Discounts for New Vehicles – Buying a new car model can get you a discount because new model year vehicles are generally safer.
Keep in mind that many deductions do not apply to your bottom line cost. Most only reduce the price of certain insurance coverages like comp or med pay. Despite the fact that it seems like having all the discounts means you get insurance for free, companies wouldn’t make money that way. Any qualifying discounts should help lower the amount you pay for coverage.
The diagram below illustrates the difference between Nissan 370Z auto insurance rates with and without discounts applied to the policy rates. The data assumes a female driver, no claims or driving violations, Oregon state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-policy, marriage, homeowner, claim-free, and multi-car discounts applied.
To see a list of providers with discount rates in Oregon, click this link.
To find affordable Portland auto insurance quotes, there are several ways to get quotes from different Portland insurance companies. By far the easiest way to compare insurance prices is simply to get online rate quotes.
Just keep in mind that comparing more prices increases your odds of finding more affordable rates. Some companies don’t provide Portland 370Z insurance quotes online, so you need to compare prices on coverage from those companies, too.
The companies in the list below offer comparison quotes in Oregon. If you want to find cheap auto insurance in Oregon, we suggest you visit as many as you can to get the most affordable price.
Detailed insurance information
The premium table below outlines detailed analysis of policy rates for Nissan 370Z models. Understanding how insurance premiums are figured can aid in making informed decisions when shopping around for a new policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 370Z 2-Dr Coupe | $134 | $302 | $346 | $20 | $104 | $906 | $76 |
| 370Z 2-Dr Roadster | $150 | $302 | $306 | $18 | $92 | $868 | $72 |
| 370Z Touring 2-Dr Coupe | $150 | $342 | $346 | $20 | $104 | $962 | $80 |
| 370Z Touring 2-Dr Roadster | $150 | $302 | $306 | $18 | $92 | $868 | $72 |
| 370Z Nismo 2-Dr Coupe | $150 | $382 | $346 | $20 | $104 | $1,002 | $84 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Oregon minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Price information does not factor in specific zip code location which can decrease or increase price quotes substantially.
Deductible analysis
When shopping for insurance, a common question is what deductibles to buy. The tables below can help show the premium difference when you choose different insurance deductibles. The first pricing table uses a $100 deductible for comprehensive and collision coverage and the second price chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 370Z 2-Dr Coupe | $310 | $674 | $362 | $22 | $108 | $1,501 | $125 |
| 370Z 2-Dr Roadster | $346 | $674 | $320 | $18 | $96 | $1,479 | $123 |
| 370Z Touring 2-Dr Coupe | $346 | $762 | $362 | $22 | $108 | $1,625 | $135 |
| 370Z Touring 2-Dr Roadster | $346 | $674 | $320 | $18 | $96 | $1,479 | $123 |
| 370Z Nismo 2-Dr Coupe | $346 | $850 | $362 | $22 | $108 | $1,713 | $143 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 370Z 2-Dr Coupe | $226 | $456 | $362 | $22 | $108 | $1,174 | $98 |
| 370Z 2-Dr Roadster | $252 | $456 | $320 | $18 | $96 | $1,142 | $95 |
| 370Z Touring 2-Dr Coupe | $252 | $514 | $362 | $22 | $108 | $1,258 | $105 |
| 370Z Touring 2-Dr Roadster | $252 | $456 | $320 | $18 | $96 | $1,142 | $95 |
| 370Z Nismo 2-Dr Coupe | $252 | $574 | $362 | $22 | $108 | $1,318 | $110 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Oregon minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Premium costs do not factor in specific garaging location which can raise or lower insurance rates substantially.
Based on these figures, using a $100 deductible costs roughly $29 more each month or $348 annually across all Nissan 370Z models than quoting the higher $500 deductible. Because you would be required to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you average more than 14 months between claim filings, you would save money if you opt for a higher deductible.
Tickets and at-fault accidents raise rates
The example below demonstrates how speeding tickets and at-fault accidents can affect Nissan 370Z premium costs for different age groups of insureds. The prices are based on a single male driver, full physical damage coverage, $500 deductibles, and no discounts are taken into consideration.
Rate difference between full and liability-only coverage
The information below visualizes the comparison of Nissan 370Z insurance costs with liability coverage only compared to full coverage. The premium estimates are based on no claims or violations, $250 deductibles, drivers are single, and no discounts are taken into consideration.
When to drop full coverage
There is no exact rule to drop full coverage on your policy, but there is a guideline you can use. If the annual cost of your full coverage insurance is more than about 10% of replacement cost minus your deductible, then you might want to consider buying only liability coverage.
For example, let’s say your Nissan 370Z book value is $6,000 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 $5,000 after paying your policy deductible. If it’s costing in excess of $500 annually for your policy with full coverage, then you might want to think about dropping full coverage.
There are some circumstances where dropping physical damage coverage is not a good idea. If you still owe a portion of the original loan, you must maintain physical damage coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you cannot afford to purchase a different vehicle if your current one is in an accident, you should not remove full coverage.
When to get professional advice
Always remember that when buying a policy, there really is no single plan that fits everyone. Your financial needs are unique.
For instance, these questions may help highlight if your situation might need professional guidance.
- When can I cancel my policy?
- Is motorclub coverage worth it?
- Is my Nissan 370Z covered if I use it for business?
- Am I covered if hit by an uninsured driver?
- Is other people’s property covered if stolen from my vehicle?
- Am I covered when driving someone else’s vehicle?
If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, fill out this quick form.
Car insurance agents near you
A lot of people would prefer to buy from a local agent and that is not a bad decision One of the best bonuses of getting online price quotes is you may find cheap insurance rates and still buy from a local agent.
After completing this form (opens in new window), your insurance data is emailed to insurance agents in Portland that provide free Portland auto insurance quotes to get your business. There is no need to contact any agents since rate quotes are delivered straight to your inbox. You’ll get the best rates and a licensed agent to work with. If you need to compare prices from a specific insurance provider, just jump over to their website and fill out their quote form.
Choosing an provider needs to be determined by more than just the quoted price. Here are some questions you should ask.
- What companies can they write with?
- Does the quote include credit and driving reports?
- Are they in the agency full-time?
- How much can you save by raising your physical damage deductibles?
- How are claims handled?
When researching a local insurance agency, there are a couple of different types of agents and how they differ in how they quote coverages. Agents in Portland are either independent (non-exclusive) or exclusive.
Exclusive Insurance Agents
Agents of this type can only provide pricing for a single company like AAA, Allstate, and State Farm. Exclusive agencies are unable to provide other company’s prices so always compare other rates. Exclusive agents are highly trained on their products and sales techniques and that allows them to sell at a higher price point. Consumers sometimes use the same exclusive agent mostly because of the brand name rather than having the cheapest rates.
Listed below are exclusive insurance agents in Portland willing to provide price quote information.
- Michael G Ferguson – State Farm Insurance Agent
736 NW 12th Ave #100 – Portland, OR 97209 – (503) 227-1393 – View Map - Chris Lawson – State Farm Insurance Agent
3118 NE Broadway St – Portland, OR 97232 – (503) 282-4569 – View Map - Lisa Parks – State Farm Insurance Agent
11116 NE Halsey St A – Portland, OR 97220 – (503) 256-3077 – View Map
Independent Agents (or Brokers)
Independent insurance agents can sell policies from many different companies and that enables them to quote your coverage amongst many companies and get the cheapest rates. To move your coverage to a new company, they can switch companies in-house which requires no work on your part.
When searching for an agent, you definitely need to get rate quotes from at least one independent agent for the best price selection. Most have the option of insuring with lesser-known insurance companies that can offer cheaper rates than bigger companies.
Shown below is a list of independent agencies in Portland that are able to give price quote information.
- Focus 1 Insurance
1500 NW 18th Ave #107 – Portland, OR 97209 – (503) 206-6588 – View Map - Darrell Grenz Insurance Agency
5651 N Lombard St – Portland, OR 97203 – (503) 206-6736 – View Map - Hecht and Hecht Insurance Agency Inc.
425 NE Hancock St – Portland, OR 97212 – (503) 542-1130 – View Map
Portland auto insurance company ratings
Ending up with a good quality auto insurance company can be difficult considering how many different companies insure vehicles in Oregon. The information below can help you decide which coverage providers to look at when comparing rates.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Compare rates regularly to save
Insureds switch companies for many reasons like questionable increases in premium, high rates after DUI convictions, policy cancellation or even delays in responding to claim requests. Regardless of your reason, finding a new company is pretty easy and you might even save some money in the process.
We just showed you a lot of tips how to compare Nissan 370Z insurance prices in Portland. The key thing to remember is the more companies you get rates for, the better your comparison will be. You may even be surprised to find that the biggest savings come from an unexpected company.
As you restructure your insurance plan, it’s not a good idea to skimp on coverage in order to save money. In many instances, consumers will sacrifice liability limits or collision coverage only to discover later they didn’t purchase enough coverage. The ultimate goal is to buy enough coverage for the lowest cost, not the least amount of coverage.
More tips and info about auto insurance can be read by following these links:
- Side airbags reduce rollover fatalities (Insurance Institute for Highway Safety)
- What Auto Insurance is Cheapest for a 20 Year Old Male in Portland? (FAQ)
- What Car Insurance is Cheapest for First-time Drivers in Portland? (FAQ)
- Who Has the Cheapest Auto Insurance for Inexperienced Drivers in Portland? (FAQ)
- What is Full Coverage? (Allstate)
- Understanding Car Crashes Video (iihs.org)
- Five Tips to Save on Auto Insurance (Insurance Information Institute)