Over the past few years, the Nissan GT-R has been America’s most expensive auto car to find insurance for. Topping out at well over $2,500 average across various states in the US. Of course, Auto insurance will range depending on where you live, your previous driving history, age, accidents, auto car lawyers/attorneys that help keep your rate low, etc… however; it is to no surprise that the 2015 GT-R Skyline Nismo will be a record breaker when it comes to insuring. 600HP super car at factory production will scare any insurer/ insurance company quoting your much anticipated answer. We all know the top Insurer’s in America (Geico, Progressive/E-ssurance, etc); but we all are not aware of tricks to drive your rate down, even on owning a super car. Most insurance companies will not want to miss out on your potential $4,000+ premium to keep this GT-R Nismo road worthy.
If you can afford the cost of the 2015 R35 Nissan GT-R Nismo Skyline, then you can likely afford expensive insurance and expensive auto attorneys on retainer; however, you may still be displeased with the auto insurance rate you are being quoted. If you have been a long time member of a large auto insurer, you may have luck complaining and speaking to supervisor over supervisor. If you are as lucky as me, you will finally get them to say they have a “new program in your state” that will drop your insurance rate down by 75% to avoid loosing your business to another company.
You might have better luck finding a specialty/collectors insurance company like American Auto Insurance or Riley rather than State Farm, Allstate Insurance, etc; however, they may or may not consider the GTR Nismo, let alone a standard R35 GT-R. Whether or not you are looking for a large auto insurance company or a small one, be sure to have any car accident attorneys available to keep your rate low in case any unforeseen incidents! We all know (especially Nissan GTR owners) that having driving tickets under the age of 30 will maintain a very high insurance premium (average $1000 deductible) with any major or non major insurance corporation.
As all GT-R owners are aware of driving one of, if not the most expensive auto car to find insurance for; it is important to keep these following tips that will be subject to changing your insurance premium quote:
Your age- younger much worse than older
Your address- urban much worse than suburban/rural
Your sex/gender- males much worse than female
You insurance carrier – length of using them / loyalty
Marital status- singe is worse than married/family
Credit Rating- self explanatory
Auto Car History- New/Used/Restored/Salvage, etc
Your personal driving record- self explanatory
Your ability to get various discounts - multi-car, home and car, etc.
Higher deductibles- lower rates [low deductible = higher rates]
Higher levels of coverage- higher rates, etc
Weekend/Personal use- lower rates vs daily driver/commute car
Expected Miles Driven/Year- lower miles expected to drive = less chance of getting in an accident = lower rate
Some insurance companies take different variables into consideration, so just expect to disclose all of the above information when obtaining quotes from a variety of insurance providers.
Another interesting topic to take note of are professions that hold the worst drivers (highest to insure)!
Top 10 Most Dangerous Drivers by Profession*
Government worker (GS6)
Bartender or Waiter
Now that we covered a few interesting points for those expecting to purchase a 2015 R35 Nissan GTR Nismo, please keep in mind that there are people out there that desperately need a car and would benefit greatly from any vehicle donations of old cars you no longer need. Of course, no one is expecting a GTR R35 to be donated; however, if you have any beater / rust bucket vehicles, it is a very kind gesture (and tax write off) to give/donate a vehicle to those in need!!!!