Hello, This is my first time posting. I am about to buy my 350Z 04' enthusiast. I have a question about something that have bother me for some time.

First, I live in Orlando, Florida.

second, I need to get full coverage for my Z (no problem), the things is that I don't know what its considerated "full coverage". I actually drive a nissan 93' 240SE, and pay basic insurance ($56/month).
I will change this basic to full, the things is I dont want extras in my cover that I wont need, and something tells me that, when you cantact the insurance company, and say "I want or need full coverage" they basically put everything on it to make you pay more.

Is there such thing like a minimum for full coverage?....I mean, what is the minimum I MUST have to have full coverage?
I know there are deductibles you can change, and limits you can lower/rise... but what are they? any ideas?
Thanks, very much. I am sorry, if this question jad being asked/reposnded before. I did search and find nothing about it.

Thanks.
P.D "350Z el baja panties".

 

PIP 10K
Liability 25/50
Comprehensive ded 1000
Collision ded 1000

Some companies vary in ded. Cost will depend on age, driving record etc....... I pay 550/6 months with 50K PIP, 100/300K Liability and 500/250 ded, clean record, multiple car disc and 0ver 35 year old drivers.

 

Ouch, 1k deductible, that hurts. Basically you either have liability which will only cover the claimant if youre involved in a collision or you can get full coverage which covers everything. If yu know a friend or a friend of a friend who is a insurance agent, to lower your rates, you can try changing your address because living in different locations may reduce your premium believe it or not. Look at the policy carefully, make sure you have tow charge coverages, rental car coverages, etc. Try to keep your deductible as low as 500 cause when youre involved in an accident, the deductible is coming out of your pocket.

 

I have now a better Idea of what I need. I will get an online quote and call mi insurance agent to tell him exactly what I want.


Thanks.





"350Z el baja panties".

 

For my 6 mo policy... limits / deductibles dictated by lender...


2003 Nissan 350 Z
VIN: JN1AZ34D33TXXXXXX Vehicle Subtotal: $615.12


Bodily Injury
Limit 100,000/300,000 per person/per accident $120.67


Property Damage
Limit 50,000 per accident $67.39


Uninsured Motorists Bodily Injury
Limit 100,000/300,000 per person/per accident $70.40
Select a Coverage Limits Stacking Option:
Selection: Coverage Selected $0.00
Stacked
Selection: Coverage Selected $0.00
Non-Stacked
Selection: Coverage Declined $0.00


Personal Injury Protection
Limit 10,000 per person aggregate $75.35
Deductible 0 per person
Select who the deductible applies to:
Selection: Coverage Selected $0.00
Apply Deductible to Named Insured Only
Selection: Coverage Selected $0.00
Apply Deductible to Named Insured & Resident Relatives
Selection: Coverage Declined $0.00
Medical Expenses
Limit 80 % of medical expenses per person/per accident up to aggregate $0.00
Death Benefits
Limit 5,000 per person $0.00
Work Loss
Limit 60 % of work loss per person/per accident up to aggregate $0.00
Work Loss Exclusion
Selection: Coverage Declined $0.00
Exclude Work Loss for the Named Insured Only
Selection: Coverage Declined $0.00
Exclude Work Loss for the Named Insured & Resident Relatives
Selection: Coverage Declined $0.00
Replacement Services
Limit up to aggregate $0.00


Medical Payments
Selection: Coverage Declined $0.00


Comprehensive
Deductible 200 per occurrence $43.56


Collision
Deductible 200 per occurrence $210.15


Rental Reimbursement
Limit 30/900 per day/maximum $21.60


Towing & Labor
Selection: Coverage Selected $6.00


Vehicle Subtotal $615.12

 

From the above the Uninsured Motorist, Rental and Towing are not required if you are tryng to save money.