Nissan GT-R Insurance Quotes in Tulsa

Feel like you have an expensive car insurance policy? Trust us, many Tulsa consumers feel financially strained by their car insurance policy.

Insurance rates Nissan GT-R in TulsaInconceivable but true, most consumers kept their policy with the same company for at least the last four years, and nearly 40% of drivers have never quoted rates to find affordable coverage. Tulsa drivers can cut their rates by $550 a year just by getting comparison quotes, but they just assume it’s a time-consuming process to do a rate comparison.

Companies like GEICO, Progressive and Allstate persitently shower you with ads and it is difficult to ignore the flashy ads and effectively compare rates to find the best deal.

Which Nissan GT-R insurance is cheapest in Tulsa?

When shopping for the cheapest Nissan GT-R rate quotes, there are a couple of ways of comparing rates from all the different companies. The best way to find the cheapest insurance rates is to jump online and get quotes.

Comparison shopping rates online is easy and it takes the place of having to spend your day driving to different Tulsa agent offices. The ability to quote Nissan GT-R insurance online can eliminate the need for a local agent unless you require the peace of mind of a local agency. Drivers can get the lowest quotes online and still use a local agent. It’s important to know that comparing a large number of companies increases the chance that you will find a better price.

The auto insurance companies shown below are our best choices to provide free quotes in Oklahoma. In order to find the cheapest car insurance in OK, we suggest you visit several of them to get the best price comparison.

Auto insurance discounts are available to cut your rates

Auto insurance is expensive, but you may qualify for discounts to cut the cost considerably. A few discounts will be applied when you purchase, but a few need to be asked about in order for you to get them.Cheaper auto insurance with discounts

As a disclaimer on discounts, some of the credits will not apply to your bottom line cost. Some only reduce specific coverage prices like comprehensive or collision. So even though it sounds like having all the discounts means you get insurance for free, it’s just not the way it works. Any qualifying discounts will lower your policy cost.

The illustration below illustrates the difference between Nissan GT-R auto insurance rates with and without discounts. The rate quotes are based on a female driver, no claims or violations, Oklahoma state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, marriage, safe-driver, claim-free, and homeowner discounts applied.

Larger auto insurance companies and some of the premium reductions they offer are outlined below.

When quoting, ask every company which discounts you qualify for. Savings may not apply to policyholders in every state. To see providers that can offer you the previously mentioned discounts in Tulsa, click here to view.

Nissan GT-R detailed coverage information

The coverage table shown next showcases estimates of rate quotes for Nissan GT-R models. Understanding more about how insurance policy rates are determined can aid in making smart buying decisions.

Nissan GT-R Insurance Rates in Tulsa, OK
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
GT-R Premium AWD 2-Dr $704 $1774 $514 $30 $154 $3,176 $265
GT-R AWD 2-Dr $704 $1774 $514 $30 $154 $3,176 $265
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Table data represents single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Oklahoma minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Premium costs do not factor in zip code location which can raise or lower prices greatly.

Physical damage deductible comparison

A question often asked by Tulsa drivers is where to set your physical damage deductibles. The premium rates below may help you to understand how much more rates are between high and low deductibles. The first table uses a $100 deductible and the second set of rates uses a $500 deductible.

Nissan GT-R insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
GT-R Premium AWD 2-Dr $634 $1442 $382 $22 $114 $2,619 $218
GT-R AWD 2-Dr $634 $1442 $382 $22 $114 $2,619 $218
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Nissan GT-R insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
GT-R Premium AWD 2-Dr $464 $974 $382 $22 $114 $1,956 $163
GT-R AWD 2-Dr $464 $974 $382 $22 $114 $1,956 $163
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Oklahoma minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Price information does not factor in zip code location which can lower or raise prices substantially.

Using the premium rates above, we can conclude that using a $100 deductible will cost you about $55 more each month or $660 annually than quoting the higher $500 deductible. Since the policyholder 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 at a minimum 7 months between claim filings, you would most likely save money by going with a higher deductible.

The information below shows how choosing a deductible and can affect Nissan GT-R insurance costs for each different age group. The price estimates are based on a married female driver, comprehensive and collision coverage, and no discounts are taken into consideration.

Illustration showing the impact of accidents and violations

The diagram below illustrates how traffic citations and at-fault collisions can influence Nissan GT-R car insurance costs for different ages of insureds. The information is based on a single female driver, full physical damage coverage, $250 deductibles, and no discounts are factored in.

How much more does full coverage cost in Tulsa?

The information below illustrates the difference between Nissan GT-R premium costs with full coverage and liability only. The data is based on a clean driving record, no claims, $100 deductibles, drivers are single, and no discounts are applied to the premium.

Should you be buying full coverage?

There is no set rule for dropping full coverage on your policy, but there is a guideline you can consider. If the annual cost of comprehensive and collision coverage is more than about 10% of replacement cost minus your deductible, then it’s probably a good time to buy liability coverage only.

For example, let’s say your Nissan GT-R book value is $9,000 and you have $1,000 deductibles. If your vehicle is totaled, you would only receive $8,000 after the deductible is paid. If you are paying in excess of $800 a year for physical damage coverage, then it may be the right time to buy liability only.

There are some situations where buying only liability insurance is not financially feasible. If you still owe money on your vehicle, you have to carry full coverage to protect the lienholder’s interest. Also, if you don’t have enough money to buy a different vehicle in the event your current vehicle is totaled, you should not buy liability only.

Best car insurance company in Oklahoma

Ending up with the best insurance company can be challenging considering how many different insurance companies sell coverage in Oklahoma. The rank data below may help you analyze which auto insurers you want to consider when shopping around.

Top 10 Tulsa Car Insurance Companies Overall

  1. Travelers
  2. USAA
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Allstate
  7. State Farm
  8. The Hartford
  9. Safeco Insurance
  10. Progressive

Top 10 Tulsa Car Insurance Companies Ranked by Customer Satisfaction

  1. USAA – 91%
  2. AAA Insurance – 90%
  3. Esurance – 90%
  4. Mercury Insurance – 89%
  5. Nationwide – 89%
  6. Travelers – 88%
  7. Progressive – 88%
  8. Safeco Insurance – 88%
  9. State Farm – 88%
  10. Allstate – 88%

Nissan GT-R Insurance Rates Can Be Cheaper

The best way to find cheaper auto insurance is to take a look at the different types of things that come into play when calculating your auto insurance rates. When consumers understand what positively or negatively impacts your premiums, this allows you to make educated decisions that may reward you with big savings. Many factors are taken into consideration when quoting car insurance. Some are obvious like an MVR report, although others are not quite as obvious like your continuous coverage or how financially stable you are.

Listed below are a few of the things used by your company to calculate premiums.

Lower rates for being claim-free – If you file a lot of claims you can definitely plan on either a policy non-renewal or much higher rates. Car insurance companies in Oklahoma provide cheaper rates to insureds who are not frequent claim filers. Your insurance policy is intended for major claims that would cause financial hardship.

Insurance premiums are higher for high performance vehicles – The make and model of the vehicle you need to insure makes a huge difference in how high your rates are. Small economy passenger cars normally have pretty low rates, but your final cost has many other factors.

The following chart uses these variables: single female driver age 30, full coverage with $100 deductibles, and no discounts or violations. It illustrates Nissan GT-R rates compared to other makes and models that have different performance risks.

Avoid unnecessary incidental coverages – There are many extra bells and whistles you can purchase if you aren’t diligent. Coverages for rental car coverage, accidental death, and Farm Bureau memberships are probably not needed. They may sound like good ideas when talking to your agent, but if you’ve never needed them in the past remove them from your policy.

Low mileage costs less – The higher the mileage driven in a year’s time the more you will pay for auto insurance. Almost all companies calculate rates determined by how the vehicle is used. Cars that are left in the garage get more affordable rates as compared to vehicles used primarily for driving to work. A policy that improperly rates your GT-R may be wasting your money. Ask your agent if your vehicle rating states the correct driver usage, because it can save money.

Insurance loss probability for a Nissan GT-R – Insurers factor in historical loss data to help determine the price you pay. Models that the data determines to have higher claim frequency or loss amount will be charged more to insure.

The table below demonstrates the compiled insurance loss statistics for Nissan GT-R vehicles. For each insurance policy coverage type, the claim amount for all vehicles, without regard to make or model, is a value of 100. Values that are 100 or less mean the vehicle has better than average losses, while numbers that are greater than 100 indicate higher probability of having a loss or an increased chance of larger losses than average.

Auto Insurance Loss Data for Nissan GT-R Models
Make and 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
Data Source: (Insurance Institute for Highway Safety) for 2013-2015 Model Years