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Hey everyone I just wanted to ask on yalls opinion on purchasing a used 300zx. I am 17 years old and will be 18 in January. I have always had the thought of owning a 300zx, but getting insurance is what scares me the most because it is a sports car and I am a young male. Id really like the z32, but I feel like the z31 would be the cheaper route to go because they are older even though id be happy with having either or. I read online somewhere that some people have listed their 300zx as a sedan which is weird because it does not have 4 doors. Maybe they have the 2+2 model? Most of the z32 models are classic cars which would potentially lower the cost of insurance on it (at least thats what I read online). So moral of the story: I just wanted to as on yalls opinion on lowering the cost of insurance on a 300zx as much a possible so I am able to afford the insurance. Thank you if you read all of this and enjoy the rest of your day/night. :smile
 

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Concerning the z31 (1984-89 300ZX) which is what I own:

Three z31 models were sold in the U.S.: 2 seater N.A. (Normal Aspiration), 2 + 2 N.A., and a 2 seater turbo.

The 2 + 2 has two doors and is about 10 inches longer than a 2 seater. The 2 rear seats can fold down. Just ask the seller which one of the three above models it is and don’t go by any sedan or coupe description.

Concerning both the z31 and z32 models:

Tell the insurance agent that you haven’t bought a z31/z32 yet and that want to know what the insurance premium would be if you do buy one. Shop around and compare it with what other insurance companies quote you for both the z31 and z32.

Insurance companies use many variables to calculate your insurance premium. Some of the variables can be controlled by you and others can’t. The variables include: age of driver, no. of traffic violations over a certain time period, zip code of residence, no. of miles expected to be driven per year, other drivers that you allow to drive it, age of vehicle, type of vehicle (sports car, SUV, etc.), etc. Sports models like a z31/z32 command higher premiums and especially for males in your age category. The premium given to you can be the yearly amount or the biannual amount so be sure to ask which one it is.

Both the z31 and z32 are now in its old age. Rust, accidents, and owner neglect have taken their toll and the better preserved ones are going to command a higher selling price. Many OEM parts have been discontinued and harder to find. These cars can drive you right to the poor house if don’t do your own repair and maintenance work. z31 models with a digital dash tend to have more electrical problems than models with an analog dash.
 

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I think that the question of choosing the insurance company is always the hardest one. This question is very complex because I want to find a trusty company with reasonable terms and conditions—this why I waste a lot of time on this process. I have to study all the terms and conditions of each company I find. But, since last year, I started to take the insurance from Compare Cheap Car Insurance Quotes Online - Car.co.uk. This platform is showing the best offers nowadays from a trusty and well-known companies. I never had any problems with them. I think there you could find the best offer for you.
 

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1983 280ZX Turbo
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Call the insurance agent and ask them for quotes on the cars you're considering. They are happy to provide them.

Your most dependable auto insurance companies are the biggies - State Farm, Progressive, Farmers, etc. There are plenty of insurance comparisons online if you search.
 

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I think that the question of choosing the insurance company is always the hardest one. This question is very complex because I want to find a trusty company with reasonable terms and conditions—this why I waste a lot of time on this process. I have to study all the terms and conditions of each company I find. But, since last year, I started to take the insurance from Compare Cheap Car Insurance Quotes Online - Car.co.uk. This platform is showing the best offers nowadays from a trusty and well-known companies. I never had any problems with them. I think there you could find the best offer for you.
You must be very careful with all these insurance brokers.
 

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1983 280ZX Turbo
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You must be very careful with all these insurance brokers.
Why? Explanation is in order. They're in a business and they're pretty transparent about what they sell and what the coverages are. You just have to ask.

And the VIN number on the vehicle tells the insurance company what kind of car it is. You're not going to fool them.
 

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The current rules assume that we get compensation for damages and health damage in a traffic accident under the MTPL policy from our insurance company, where we have taken out the "car insurance." This is the so-called direct regulation. Not later than 20 days (calendar days) after receiving an application from an accident victim, the insurer is obliged to transfer money to compensate the damage, send the car for repair, or issue a reasoned written refusal. No reason to extend this period is not valid from the point of view of the law. Also, it would be best if you started by checking joywallet.com to be aware of all the information.
 

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1983 280ZX Turbo
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The current rules assume that we get compensation for damages and health damage in a traffic accident under the MTPL policy from our insurance company, where we have taken out the "car insurance." This is the so-called direct regulation. Not later than 20 days (calendar days) after receiving an application from an accident victim, the insurer is obliged to transfer money to compensate the damage, send the car for repair, or issue a reasoned written refusal. No reason to extend this period is not valid from the point of view of the law. Also, it would be best if you started by checking joywallet.com to be aware of all the information.
Keep in mind that you're in Canada and the OP may not be. He didn't list location but odds are he's in the US.

OP, about the best you can do is shop around and see what you get. You can use online engines to compare costs for 2-seat vs. 2+2. If your family has more then one vehicle, you may be able to insure through your parents and get a break. It also may make a difference whether you're rated as the primary or occasional driver of the vehicle.
 

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As a former insurance company worker, I'd never use an agent/broker as I hate the fact that they are getting paid a kickback etc etc for the life of you having the insurance. I've also known plenty of insurance agents/brokers who simply want to get your money, and don't care about what cover you are getting. So you may think you're covered for particular things with the policy you end up with, but in reality - maybe not...

In terms of getting insurance for a sports car, when you are young... Yeah - it sucks! I remember when I was 21, working in insurance, owning a Nissan Z - even with a 40% staff discount, it was VERY expensive, because young people statistically have more accidents than older people, and when you add to that a high powered vehicle... "accident waiting to happen"... (No offense!)

If your parents are agreeable, and have a good insurance rating - you could check whether their insurance company have a discount for family. Ask about things that may help reduce your premium - car alarms, etc can often bring the price down.

Ultimately - before buying the car, check the insurance. The Z31 would likely be cheaper than the Z32, because the Z32 is a lot more powerful.

And yes I know this post originated 3 years ago :) Just some general advice...
 

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Far and away the best bet is to add you to the parents' insurance, as it should generate a multi-car discount. Then if they balk at the cost, pay them for your part of the insurance. Did that with our daughters.
 
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