Best Quotes for Nissan GT-R Insurance in Los Angeles

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Insurance quote for Nissan GT-R in Los AngelesWant cheaper Nissan GT-R insurance in Los Angeles? Have you finally had enough of not being able to scrape enough together to buy auto insurance? You are in the same boat as most other vehicle owners in California.

Statistics show that a large majority of drivers have purchased from the same company for well over three years, and virtually 40% of consumers have never quoted rates to find cheaper coverage. U.S. insurance shoppers could save an average of approximately $860 each year just by getting comparison quotes, but most tend to underestimate how much savings they would realize if they moved their coverage to a different company.

Vehicle owners have many car insurance companies to pick from, and although it's nice to have a choice, more choices can make it harder to compare rates and cut insurance costs.

Finding the cheapest car insurance coverage in Los Angeles can really be easy if you know what you're doing. If you have car insurance now, you will surely be able to shop for the lowest rates using the techniques covered below. Although California drivers do need to know how insurance companies market on the web and take advantage of how the system works.

The quickest method to compare car insurance rates for Nissan GT-R insurance in Los Angeles is to know most larger insurance companies participate in online systems to quote your coverage. The only thing you need to do is provide the companies a bit of rating information such as how your vehicles are used, how much you drive, deductibles desired, and the type of vehicles you drive. Your information is then submitted to many of the top insurers and you should receive rate quotes quickly.

To get price quotes for your Nissan GT-R now, click here and complete the quick form.

The companies shown below have been selected to offer free rate quotes in Los Angeles, CA. If the list has multiple companies, we suggest you visit as many as you can to get the lowest price.

Get lower-cost rates with discounts

Not too many consumers would say car insurance is affordable, but there's a good chance there are discounts that can help lower your rates. Certain discounts will be applied at the time of quoting, but some must be specifically requested prior to getting the savings.Discount car insurance

  • Early Payment Discounts - If paying your policy premium upfront instead of paying each month you can actually save on your bill.
  • ABS Braking Discount - Cars with ABS braking systems or traction control can stop better under adverse conditions so companies give up to a 10% discount.
  • Sign Online - A handful of companies will provide an incentive just for signing your application online.
  • Driver's Education for Students - Teen drivers should successfully take a driver's education course in high school.
  • Clubs and Organizations - Belonging to specific professional or occupational memberships or organizations is a simple method to lower premiums on your next renewal.
  • Senior Citizens - Older drivers could receive a discount up to 10%.

It's important to note that some of the credits will not apply to all coverage premiums. Some only reduce the price of certain insurance coverages like medical payments or collision. So even though it sounds like it's possible to get free car insurance, you won't be that lucky.

The illustration below shows the comparison of Nissan GT-R car insurance costs with and without some available policy discounts. Data assumes a female driver, no claims or driving citations, California state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, claim-free, marriage, multi-policy, multi-car, and safe-driver discounts applied.

Larger car insurance companies and a partial list of their discounts are detailed below.

  • American Family discounts include good driver, Steer into Savings, bundled insurance, accident-free, defensive driver, and multi-vehicle.
  • Nationwide may include discounts for Farm Bureau membership, easy pay, good student, anti-theft, accident-free, defensive driving, and business or organization.
  • MetLife has savings for defensive driver, accident-free, good driver, good student, claim-free, and multi-policy.
  • 21st Century has discounts for homeowners, early bird, student driver, theft prevention, and automatic seat belts.
  • Farmers Insurance offers discounts including youthful driver, multi-car, switch companies, early shopping, good student, and business and professional.
  • Allstate may offer discounts for early signing, anti-lock brakes, utility vehicle, anti-theft, premier discount, and economy car.

Before buying, ask all the companies which discounts they offer. Some credits may not be available in your state. For a list of car insurance companies who offer free Nissan GT-R insurance quotes in California, follow this link.

Insurance rate breakdown

The coverage table shown next covers different insurance prices for Nissan GT-R models. Learning a little about how rate quotes are calculated can assist in making smart choices when buying a car insurance policy.

Nissan GT-R Insurance Rates in Los Angeles, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
GT-R Premium AWD 2-Dr $456 $960 $376 $22 $112 $1,926 $161
GT-R AWD 2-Dr $456 $960 $376 $22 $112 $1,926 $161
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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Price information does not factor in Los Angeles location which can decrease or increase coverage prices noticeably.

Deductible comparison

One common question asked by Los Angeles drivers is how high should the deductibles for physical damage be. The data tables below illustrate the price difference when you buy lower versus higher deductibles. The first pricing table uses a $250 deductible for physical damage and the second data table uses a $500 deductible.

Nissan GT-R insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
GT-R Premium AWD 2-Dr $562 $1190 $376 $22 $112 $2,287 $191
GT-R AWD 2-Dr $562 $1190 $376 $22 $112 $2,287 $191
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Nissan GT-R insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
GT-R Premium AWD 2-Dr $456 $960 $376 $22 $112 $1,926 $161
GT-R AWD 2-Dr $456 $960 $376 $22 $112 $1,926 $161
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Rate information does not factor in specific zip code location which can decrease or increase coverage prices noticeably.

Based on these figures, using a $250 deductible will cost you about $30 more each month or $360 each year averaged for all GT-R models than selecting the higher $500 deductible. Because you would be required to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you have more than 8 months between claims, you would save more money going with the higher deductible.

How to determine when to raise your deductibles

Average monthly premium for $250 deductibles: $191
Average monthly premium for $500 deductibles (subtract): - $161
Monthly savings from raising deductible: $30
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $30
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 8 months

The information below highlights how deductible selection and can affect Nissan GT-R insurance costs for each age group. The costs are based on a single female driver, full physical damage coverage, and no discounts are applied to the premium.

Should you buy full coverage?

The information below compares Nissan GT-R annual premium costs when comparing full coverage to liability only. Data assumes no claims or violations, $1,000 deductibles, drivers are not married, and no policy discounts are applied.

When to drop comprehensive and collision

There is no written rule of when to phase out full coverage, but there is a general convention. If the yearly cost of comp and collision coverage is 10% or more of the replacement cost minus the deductible, then it could be time to drop full coverage.

For example, let's say your Nissan GT-R settlement value is $4,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most you would receive is $3,000 after you pay the deductible. If premium cost is more than $300 annually for comprehensive and collision coverage, then it's probably a good time to buy liability coverage only.

There are some cases where removing full coverage is not a good idea. If you still owe a portion of the original loan, you have to carry full coverage to protect the lienholder's interest. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is damaged, you should keep full coverage in place.

How Car Insurance Companies Calculate Nissan GT-R Insurance Rates

Smart consumers have a good feel for the factors that aid in calculating the level of your policy premiums. When consumers understand what influences your rates, this helps enable you to make changes that could help you find better insurance rates. Lots of factors are used when you quote your car insurance policy. A few of the factors are predictable such as your driving record, although others are less obvious like your vehicle usage or your financial responsibility.

  • Males tend to take more risk - Over time, data shows that females take fewer risks when driving. The data does not necessarily mean that males are worse at driving than females. Both sexes cause accidents at about the same rate, but the male of the species tend to have more serious accidents. They also receive more costly citations like reckless driving and DUI. Males from age 16 to 21 generally have the highest accident percentage so it costs more to insure them.

    The information below visualizes the comparison of Nissan GT-R car insurance costs for male and female drivers. Data assumes a clean driving record, no claims, full physical damage coverage, $1,000 deductibles, single marital status, and no discounts are applied to the premium.

  • Little extras can really add up - Insurance policies have a lot of extra coverages that you can get tricked into buying if you aren't careful. Add-on coverages like rental car coverage, accidental death, and membership fees are some examples. They may sound like good ideas when talking to your agent, but now you might not need them so remove them and pocket the money.
  • Save money by having high credit - Having a bad credit rating is a big factor in determining what you pay. If your credit is lower than you'd like, you could potentially save money when insuring your Nissan GT-R by improving your rating. Drivers who have good credit tend to file fewer claims than drivers who have poor credit.
  • Use but don't abuse your insurance - Car insurance companies in California provide better rates to people who do not file claims often. If you are a frequent claim filer, you can expect much higher rates or policy non-renewal. Insurance coverage is intended for the large, substantial claims.
  • Drive less and save - The more you drive your Nissan each year the more you will pay for insurance. A lot of insurance companies apply a rate based upon how the vehicle is primarily used. Cars and trucks that are left in the garage can be on a lower rate level as compared to vehicles used primarily for driving to work. Make sure your vehicle rating is rated on the correct driver usage. Having an incorrect usage rating on your GT-R can result in significantly higher rates.
  • Decrease rates by maintaining coverage - Driving without insurance coverage in place is a misdemeanor and insurance companies will penalize you for letting your coverage cancel without a new policy in place. And not only will insurance be more expensive, being ticketed for driving with no insurance could result in fines and jail time. You may then be required to file a SR-22 with the California motor vehicle department.
  • Nissan GT-R insurance loss probability - Insurers analyze historical claim data to help determine the rate you pay. Models that historically have high amounts or severity of claims will cost more to insure. The data below shows the loss history for Nissan GT-R vehicles.

    For each type of coverage, the loss probability for all vehicles, as a total average, is set at 100. Percentage values below 100 suggest a positive loss record, while percentage numbers above 100 show a trend for more claims 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

Buying from car insurance agents

Many people prefer to get professional advice from a licensed agent and that is recommended in a lot of cases The best thing about comparing auto insurance online is that you can obtain lower premium rates and still have a local agent.

Find insurance agent in Los AngelesAfter filling out this short form, your insurance coverage information is submitted to local insurance agents in Los Angeles who will return price quotes for your insurance coverage. You won't even need to contact an agency because prices are sent to your email. You can get cheaper auto insurance rates AND an agent nearby. If you wish to quote rates from one company in particular, you just need to visit that company's website and fill out their quote form.

Finding the right provider needs to be determined by more than just the bottom line cost. The questions below may impact your decision as well.

  • Do they write coverage based solely on cost?
  • Are they giving you every discount you deserve?
  • Has the agent ever had any license suspensions?
  • If independent agents, which companies do they recommend?
  • Is the agency covered by Errors and Omissions coverage?

Pick the best car insurance agent in Los Angeles for you

If you need to find a reputable insurance agent or broker, you must know there are a couple different agency structures and how they are distinctly different. Auto insurance agents are either exclusive or independent agents depending on their company appointments.

Exclusive Agents

Exclusive agencies have only one company to place business with like AAA, State Farm, Farmers Insurance, and Allstate. They generally cannot provide prices from multiple companies so if the price isn't competitive there isn't much they can do. These agents are highly trained on the products they sell which helps them sell insurance even at higher premiums.

The following are exclusive insurance agents in Los Angeles willing to provide comparison quotes.


5858 N Figueroa St a - Los Angeles, CA 90042 - (323) 478-9346 - View Map


7944 W 3rd St - Los Angeles, CA 90048 - (323) 852-6868 - View Map


3717 S La Brea Ave #202 - Los Angeles, CA 90016 - (323) 294-9400 - View Map

View more Los Angeles agents

Independent Agencies or Brokers

Agents of this type do not have single company limitations so as a result can place your coverage amongst many companies and help determine which has the cheapest rates. If they find a lower price, an independent agent can move your coverage which is easy for the insured.

When comparing auto insurance rates, we recommend you get quotes from a few independent agents for maximum quote selection.

The following are Los Angeles independent insurance agencies that can give you rate quotes.


5250 W Century Blvd #426 - Los Angeles, CA 90045 - (888) 400-4004 - View Map


10941 W Pico Blvd - Los Angeles, CA 90064 - (310) 234-8600 - View Map


2861 Robertson Blvd - Los Angeles, CA 90034 - (310) 280-0946 - View Map

View more Los Angeles agents

Cheaper insurance premiums are out there

Some insurance providers do not offer online price quotes and many times these regional insurance providers prefer to sell through independent insurance agencies. Lower-priced Nissan GT-R insurance in Los Angeles can be purchased online and from local agencies, so compare prices from both to have the best chance of lowering rates.

We've covered some good ideas how to find cheap Nissan GT-R insurance in Los Angeles. It's most important to understand that the more companies you get premium rates for, the higher your chance of finding affordable Nissan GT-R insurance quotes. You may even find the most savings is with a company that doesn't do a lot of advertising. They may often insure only within specific states and give better rates than the large multi-state companies such as Progressive or GEICO.

Additional detailed information is located at these sites: