Do you want to save money by finding the cheapest car insurance rates in Corpus Christi, TX? Corpus Christi drivers have lots of choices when trying to find affordable Nissan GT-R insurance. You can either waste hours driving around getting price quotes or save time using the internet to make rate comparisons.
There is a right way and a wrong way to buy car insurance and you need to know the absolute fastest way to price shop coverage for a new or used Nissan and locate the cheapest rates.
It’s a great practice to get comparison quotes every six months since prices change quite often. Even if you got the best rates on Nissan GT-R insurance in Corpus Christi on your last policy there may be better deals available now. Forget anything you know (or think you know) about car insurance because you’re about to learn one of the easiest ways to lower your annual insurance bill.
This article’s goal is to teach you how to compare rates easily and how you can save the most money. If you have a policy now, you should be able to buy cheaper car insurance using the ideas covered in this article. Consumers just have to know the quickest method to quote multiple rates online.
The following companies have been selected to offer quotes in Texas. If multiple companies are listed, we recommend you compare several of them in order to get a fair rate comparison.
Nissan GT-R coverage analysis
The coverage information displayed next outlines estimates of prices for Nissan GT-R models. Being able to understand how insurance quotes are calculated can help guide drivers when making smart buying decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| GT-R Premium AWD 2-Dr | $416 | $1006 | $340 | $20 | $102 | $1,884 | $157 |
| GT-R AWD 2-Dr | $416 | $1006 | $340 | $20 | $102 | $1,884 | $157 |
| Get Your Own Custom Quote Go | |||||||
Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Price estimates do not factor in vehicle garaging location which can lower or raise prices greatly.
Physical damage deductible comparison
One of the most common auto insurance questions is the level to set your comp and collision deductibles. The tables below outline how much more you’ll pay when you buy lower versus higher physical damage deductibles. The first rate comparisons uses a $100 comprehensive and collision deductible and the second price table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| GT-R Premium AWD 2-Dr | $538 | $1226 | $324 | $20 | $96 | $2,229 | $186 |
| GT-R AWD 2-Dr | $538 | $1226 | $324 | $20 | $96 | $2,229 | $186 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| GT-R Premium AWD 2-Dr | $298 | $646 | $324 | $20 | $96 | $1,384 | $115 |
| GT-R AWD 2-Dr | $298 | $646 | $324 | $20 | $96 | $1,384 | $115 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Estimates do not factor in vehicle location which can alter insurance rates considerably.
We can estimate from the data above that using a $100 deductible costs roughly $71 more each month or $852 annually than quoting the higher $1,000 deductible. Since you would pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you have at least 13 months between claims, you would probably save some money if you elect the higher deductible.
Comparison of auto insurance rates by age and gender
The example below visualizes the comparison of Nissan GT-R yearly insurance costs for male and female drivers. The information is based on no driving violations, no at-fault accidents, full physical damage coverage, $100 deductibles, drivers are single, and no discounts are factored in.
Full coverage versus liability-only in Corpus Christi
The example below illustrates the difference between Nissan GT-R annual premium costs with full coverage and liability only. The data is based on no claims or driving violations, $250 deductibles, single marital status, and no other discounts are factored in.
When to drop comp and collision
There is no definitive formula of when to drop full coverage, but there is a guideline you can consider. If the annual cost of coverage is 10% or more of the settlement you would receive from your company, then you may need to consider dropping full coverage.
For example, let’s pretend your Nissan GT-R book value is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, you would only receive $3,000 after paying your deductible. If you are currently paying more than $300 annually for full coverage, then you might want to think about dropping full coverage.
There are a few situations where eliminating full coverage is not a good idea. If you still owe a portion of the original loan, you have to maintain full coverage in order to keep the loan. Also, if your finances do not allow you to purchase a different vehicle in the event your current vehicle is totaled, you should not consider dropping full coverage.
Why you need insurance for your Nissan GT-R
Despite the potentially high cost of Nissan GT-R insurance, insurance may be mandatory for several reasons.
- Just about all states have mandatory liability insurance requirements which means it is punishable by state law to not carry a specific minimum amount of liability insurance coverage if you don’t want to risk a ticket. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If your GT-R has a lienholder, most banks will require that you buy insurance to protect their interest in the vehicle. If you do not pay your insurance premiums, 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 preserves both your assets and your vehicle. Insurance will pay for many types of medical costs for yourself as well as anyone injured by you. Liability insurance, one of your policy coverages, will also pay for a defense attorney if anyone sues you for causing an accident. If your Nissan gets damaged, comprehensive and/or collision insurance will cover the damage repairs after a deductible is paid.
The benefits of insuring your car more than offset the price you pay, particularly if you ever have a claim. Unknowingly, the average driver is currently overpaying as much as $830 a year so smart consumers compare quotes every year to help ensure money is not being wasted.
You Can Change Your Insurance Costs
Lots of things are taken into consideration when pricing auto insurance. Some factors are common sense like an MVR report, although others are more obscure like your vehicle usage or your commute time. Part of the car insurance buying process is learning the rating factors that help determine the price you pay for car insurance. When you know what positively or negatively determines premiums, this allows you to make good choices that can earn you lower rates.
-
Driving citations hurt – Careful drivers get better rates than people who have multiple driving citations. Just one chargeable violation can increase rates substantially. Drivers who get dangerous violations like DUI, reckless driving or excessive speeding are required to file a SR-22 with their state in order to legally drive a vehicle.
The illustration below demonstrates how citations and at-fault fender-benders can raise Nissan GT-R annual premium costs for different categories of driver ages. The price estimates are based on a married male driver, full coverage, $1,000 deductibles, and no discounts are applied.
- Your career may increase premiums – Did you know your car insurance rates can be affected by your occupation? Occupational choices like military generals, social workers, and stock brokers tend to pay the highest average rates because of high stress and lots of time spent at work. On the flip side, careers like farmers, athletes and performers have lower than average premiums.
- If you don’t need it don’t buy it – There are many additional extra coverages that sound like a good idea at the time on your GT-R policy. Coverage for things like vanishing deductibles, better glass coverage, and extra equipment coverage are some examples. The coverages may be enticing when you first buy your policy, but if you don’t need them eliminate the coverages to reduce your premium.
- Urban areas may pay more – Being located in less populated areas can be a good thing if you are looking for the lowest rates. Drivers in populated areas regularly have more road rage incidents and more time behind the wheel. Fewer people means less chance of accidents in addition to lower liability claims.
- Liability coverage is critical – Liability insurance is the coverage that protects you if ever you are found to be at fault for causing personal injury or damage in an accident. It will provide legal defense coverage up to the limits shown on your policy. This coverage is relatively inexpensive compared to comp and collision, so do not cut corners here.
- Cheaper premiums with safer cars – Safer cars are cheaper to insure. Vehicles built for safety have better occupant injury protection and lower rates of occupant injuries translates directly to fewer claims and cheaper rates on your policy.
- Raise your deductibles for better costs – The deductibles you choose are how much you are willing to pay if a covered claim is submitted. Insurance for physical damage to your car, also called ‘full coverage’, covers damage that occurs to your car. A few examples of covered claims could be collision with another vehicle, fire damage, and damage from wind. The more expense the insured is willing to pay, the better rate you will receive.
- High car insurance claims frequency drives up rates – If you’re an insured who likes to file claims don’t be surprised to see higher premiums or even policy non-renewal. Insurance companies in Texas generally give most affordable rates to drivers who file claims infrequently. Insurance coverage is meant to be used in the event of major claims that would cause financial hardship.
-
Nissan GT-R claim data – Companies analyze historical claim data to calculate a price that offsets possible losses. Vehicles that have higher claim frequency or loss amount will have higher rates. The information below illustrates the compiled insurance loss statistics for Nissan GT-R vehicles.
For each type of coverage, the statistical loss for all vehicles, as an average, is a value of 100. Values below 100 represent a good loss history, while percentage values above 100 indicate more frequent losses or tendency to have larger claims.
Nissan GT-R Insurance Loss Statistics Specific Nissan Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Nissan GT-R 2dr 4WD 373 82 317 BETTERAVERAGEWORSEEmpty fields indicate not enough data collected
Statistics from IIHS.org for 2013-2015 Model Years
Save a ton by receiving discounts
Companies don’t always list all possible discounts in an easy-to-find place, so the following is a list of both well-publicized in addition to some of the lesser obvious credits available to lower your premiums when you buy Corpus Christi auto insurance online.
- No Accidents – Insureds with no claims or accidents pay much less in comparison with insureds who have frequent claims or accidents.
- Low Mileage Discounts – Maintaining low annual mileage can qualify you for lower prices on the low mileage vehicles.
- Distant Student Discount – Children who are enrolled in higher education away from home and don’t have a car could qualify for this discount.
- Theft Deterrent – Cars and trucks equipped with tracking devices and advanced anti-theft systems prevent vehicle theft and will qualify for a discount on a Corpus Christi auto insurance quote.
- Safe Driver Discounts – Drivers without accidents may save up to 50% more as compared to drivers with claims.
- Homeowners Savings – Owning your own home or condo can get you a discount because owning a home means you have a higher level of financial diligence.
- One Accident Forgiven – This one isn’t a discount, but some companies like State Farm and Allstate will let one accident slide before raising your premiums if you have no claims for a specific time period.
- Seat Belts Save – Buckling up and requiring all passengers to use a seat belt could cut 10% or more off PIP or medical payments premium.
- Passive Restraint Discount – Factory options such as air bags and/or automatic seat belt systems may earn rate discounts of 20 to 30 percent.
As is typical with insurance, some credits don’t apply to the overall cost of the policy. Most only cut individual premiums such as liability and collision coverage. Despite the appearance that all the discounts add up to a free policy, you aren’t that lucky. Any amount of discount will cut your overall bill.
The example below shows the difference between Nissan GT-R insurance premiums with and without some available policy discounts. The premiums are based on a female driver, no claims or driving violations, Texas state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, claim-free, multi-car, safe-driver, marriage, and multi-policy discounts applied.
To find insurance companies with discount rates in Texas, click here.
When should I have guidance from an agent?
A small number of people would rather sit down and talk to an agent and that is a smart decision Experienced insurance agents can make sure you are properly covered and help file insurance claims. A nice benefit of comparing insurance online is you may find cheap insurance rates and still choose a local agent. And providing support for local agencies is important particularly in Corpus Christi.
By using this short form, your information is submitted to insurance agents in Corpus Christi who will gladly provide quotes for your business. You never need to find an agent on your own as quotes are delivered to you directly. If you wish to get a comparison quote from a specific insurance company, don’t hesitate to find their quoting web page and fill out their quote form.
When finding a reliable insurance agency, you need to know there are two different types of agencies and how they can write your policy. Insurance agencies are categorized either independent agents or exclusive agents depending on their employer. Both insure your vehicles properly, but it’s important to point out the difference between them because it may have an impact on which type of agent you select.
Independent Insurance Agents
Independent agencies are not employed by one company so as a result can place your coverage through many different insurance companies and find the cheapest insurance rates. If your premiums go up, the business is moved internally and that require little work on your part.
When comparing insurance rates, it’s recommended you compare prices from independent agents to have the best price comparison. Most independent agents also contract with companies that do not advertise much which may provide better rates.
The following are independent insurance agents in Corpus Christi that may be able to give free insurance rate quotes.
- Borden Insurance
210 S Carancahua St Fl 4 – Corpus Christi, TX 78401 – (361) 882-6543 – View Map - Fred Roy Insurance
4402 Weber Rd – Corpus Christi, TX 78411 – (361) 854-4847 – View Map - Tejas Auto Insurance
4701 Ayers St #104 – Corpus Christi, TX 78415 – (361) 814-0030 – View Map
Exclusive Insurance Agencies
Agents in the exclusive channel have only one company to place business with and examples are State Farm, Allstate and AAA. Exclusive agencies are unable to provide rate quotes from other companies so if the price isn’t competitive there isn’t much they can do. These agents are usually well trained on their products and sales techniques which helps them compete with independent agents. Some people will only use the same exclusive agent partially due to the brand name rather than low rates.
The following are Corpus Christi exclusive agents that can give you comparison quotes.
- Tom Hunt Jr – State Farm Insurance Agent
4449 S Alameda St #3 – Corpus Christi, TX 78412 – (361) 992-9292 – View Map - Allstate Insurance: Donald Morrison
4535 S Padre Island Dr Ste 37 – Corpus Christi, TX 78411 – (361) 854-2383 – View Map - Allstate Insurance: Joshua D. Crow
5333 Yorktown Blvd e – Corpus Christi, TX 78413 – (361) 857-2688 – View Map
Picking the best insurance agency shouldn’t rely on just the bottom line cost. A good agent in Corpus Christi will have answers to these questions.
- Is the agency active in community causes in Corpus Christi?
- If you are a high risk driver, do they have special markets for your coverage?
- Do they get paid more for recommending certain coverages?
- How is replacement cost determined on your vehicle?
- Does the company use OEM repair parts?
- What insurance companies do they work with in Corpus Christi?
- What is the financial rating for the quoted company?
- Does the agency have a current Errors and Omissions policy?
If you get good feedback to any questions you have and locked in a price quote, you have narrowed it down to a car insurance agent that can service your policy.
Affordable car insurance premiums are possible
We just showed you a lot of information how to get a better price on Nissan GT-R insurance in Corpus Christi. The most important thing to understand is the more times you quote, the higher the chance of saving money. Drivers may even discover the lowest prices come from an unexpected company.
Consumers change insurance companies for a variety of reasons including being labeled a high risk driver, delays in paying claims, high prices and high rates after DUI convictions. Whatever your reason, finding a great new company is not as hard as you think.
Cheaper Nissan GT-R insurance in Corpus Christi can be found from both online companies and from local insurance agents, and you should compare rates from both in order to have the best price selection to choose from. Some insurance companies may not offer rate quotes online and usually these small, regional companies prefer to sell through independent agents.
How to buy low-cost Nissan GT-R insurance in Corpus Christi
If you want to find the absolute lowest rates, then the best way to get budget Nissan GT-R insurance is to regularly compare quotes from insurers who provide auto insurance in Corpus Christi.
- It will benefit you to learn about individual coverages and the measures you can take to keep rates down. Many things that drive up the price such as distracted driving and a bad credit rating can be remedied by making lifestyle changes or driving safer.
- Quote rates from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only quote rates from one company like GEICO and Allstate, while agents who are independent can provide rate quotes for many different companies.
- Compare the price quotes to the price on your current policy to see if a cheaper rate is available. If you can save some money, make sure there is no lapse in coverage.
A tip to remember is that you use the same coverage limits and deductibles on each price quote and and to get quotes from all possible companies. This guarantees a fair rate comparison and maximum price selection.
To read more, take a look at the following helpful articles:
- Warning systems don’t curb driver distraction (Insurance Institute for Highway Safety)
- Who Has the Cheapest Car Insurance Quotes for a Subaru Forester in Corpus Christi? (FAQ)
- Who Has the Cheapest Car Insurance for High Risk Drivers in Corpus Christi? (FAQ)
- How Much is Corpus Christi Car Insurance for a Dodge Grand Caravan? (FAQ)
- Who Has Cheap Corpus Christi Car Insurance for a Toyota Camry? (FAQ)
- Who Has the Cheapest Car Insurance for Single Moms in Corpus Christi? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for Active Military in Corpus Christi? (FAQ)
- Who Has the Cheapest Corpus Christi Car Insurance for a Honda CR-V? (FAQ)
- Prom Night Tips for Teen Drivers (State Farm)
- Should I Buy a New or Used Car? (Allstate)
- Older Drivers FAQ (iihs.org)
- Anti-Lock Brake FAQ (iihs.org)