Should we buy any additional insurance offers by dealer?

d02808045 · 03-21-2010, 05:15 PM

Quick question for more experience Z owners/lovers!, do you guy recommend paying additional insurances offer by dealership, such as paint repair, dent zone, tire and rim coverage? When i picked up my 370Z 40th mod, the F&I guy offer some very tempting coverages but I turn them all down! did I make the right choice? Thanks

John

Trips · 03-21-2010, 05:27 PM

Quote:

Originally Posted by d02808045

Quick question for more experience Z owners/lovers!, do you guy recommend paying additional insurances offer by dealership, such as paint repair, dent zone, tire and rim coverage? When i picked up my 370Z 40th mod, the F&I guy offer some very tempting coverages but I turn them all down! did I make the right choice? Thanks

John

Scare Tactics! that's how they make money

dad · 03-21-2010, 05:41 PM

The Boogie man will get you!

Portlander · 03-21-2010, 06:00 PM

I purchased the tire and rim coverage and would highly recommend it if your Z has the Sport Package due to the replacement cost of the 19" Rays and Potenza tires. Dealer will try to sell it to you for $800 but you should be able to get it for around cost which is closer to $400. Well worth the $5-6 a month if you roll it into your loan.

On my previous Cayman S, I some how acquired a 3 inch bolt into the sidewall while driving on the interstate a week after I took delivery. It ruined the tire and rim, but because I had this coverage a new Classic Carrera rim and tire arrived a day later at the dealer with no hassles and zero involvement with my insurance company. Saved me around $1200 in the first week of ownership!

This coverage is also transferable with the vehicle if you trade or sell in the future. 36 months is the normal length of the policy, you can buy longer coverage if you desire. In my opinion, it's a smarter purchase than spending $800-1200 on a clear bra. Quality wax and a $12 roll of Road Wrap takes care of the bugs and rock chips if I go on a trip. Good luck with your new Z!

d02808045 · 03-21-2010, 06:20 PM

Quote:

Originally Posted by Portlander

I purchased the tire and rim coverage and would highly recommend it if your Z has the Sport Package due to the replacement cost of the 19" Rays and Potenza tires. Dealer will try to sell it to you for $800 but you should be able to get it for around cost which is closer to $400. Well worth the $5-6 a month if you roll it into your loan.

On my previous Cayman S, I some how acquired a 3 inch bolt into the sidewall while driving on the interstate a week after I took delivery. It ruined the tire and rim, but because I had this coverage a new Classic Carrera rim and tire arrived a day later at the dealer with no hassles and zero involvement with my insurance company. Saved me around $1200 in the first week of ownership!

This coverage is also transferable with the vehicle if you trade or sell in the future. 36 months is the normal length of the policy, you can buy longer coverage if you desire. In my opinion, it's a smarter purchase than spending $800-1200 on a clear bra. Quality wax and a $12 roll of Road Wrap takes care of the bugs and rock chips if I go on a trip. Good luck with your new Z!

Thanks, I was thinking buying this option only but I told them I will make decision on Monday. I'm going to buy this coverage only since my is the 40th model, which has sport package as standard...thank again

Mike · 03-21-2010, 06:51 PM

the only option you want is gap insurance if you are financing longer than 4 years. You might check to see if your insurance company offers it first though.

Hi-Step'n370Z · 03-21-2010, 07:56 PM

Quote:

Originally Posted by Portlander

Quality wax and a $12 roll of Road Wrap takes care of the bugs and rock chips if I go on a trip. Good luck with your new Z!

Road Wrap? Sounds like something I'd be interested in. Any parts store have it? If not, where do I buy it?

frost · 03-21-2010, 07:58 PM

Whatever youre thinking of buying, see if your regular insurance company already offers it. Like, I'm a HUGE fan of GAP insurance and think everyone should have it if there is a chance they will be upside down on a car (like most of us), but most insurance companies offer it for much cheaper than what you will pay at a dealer.

cossie1600 · 03-21-2010, 10:19 PM

I think my insurance company charges <$10 a month

Portlander · 03-22-2010, 07:08 AM

Hi-Step'n370Z, the site is Protective Film : New Car Paint Protection : Paint Protector : Automobile Paint Protection : BuyRoadWrap.com. Actually found out about this stuff from someone on this site. Comes in either a 6" or 18" roll.

Matt · 03-22-2010, 07:20 AM

The rim and tire warranty is the only thing I get at the dealer. I've had too many tire/wheel issues in the past to skip it, so it's worth it for my piece of mind. To others, probably not so much.

Chico370Z · 03-22-2010, 12:26 PM

haha wow that road wrap stuff is pretty interesting...it's like saran wrap for your car

helps keep it fresh

FuszNissan · 03-22-2010, 12:59 PM

The tire and wheel protection(Road hazard) is well worth it.

ZKindaGuy · 03-22-2010, 02:30 PM

Quote:

Originally Posted by Mike

the only option you want is gap insurance if you are financing longer than 4 years. You might check to see if your insurance company offers it first though.

GAP insurance should be purchased no matter what the term of the loan is. In fact many banks are now making this a non-option to even be approved for the loan. And some states and insurance companies are requiring it as well.

d02808045 · 03-22-2010, 09:52 PM

Quote:

Originally Posted by Hi-Step'n370Z

Road Wrap? Sounds like something I'd be interested in. Any parts store have it? If not, where do I buy it?

I don't think my dealer ever mention Road Wrap, I'll ask them to see, I think i need this more because currently I live about 1 hr from work. I'll move in June and it will cut down to 7 mins! So I think Road wrap is good to have...

03-21-2010, 05:15 PM	#1 (permalink)
d02808045 Base Member Join Date: Mar 2010 Location: Dallas, TX Posts: 94 Drives: 370Z 40th Edition Rep Power: 15	Should we buy any additional insurance offers by dealer? Quick question for more experience Z owners/lovers!, do you guy recommend paying additional insurances offer by dealership, such as paint repair, dent zone, tire and rim coverage? When i picked up my 370Z 40th mod, the F&I guy offer some very tempting coverages but I turn them all down! did I make the right choice? Thanks John

03-21-2010, 05:41 PM	#3 (permalink)
dad Grand Prix of Endurance Join Date: Nov 2008 Location: Tennessee Posts: 3,476 Drives: Mulsanne Straight Rep Power: 26	The Boogie man will get you! __________________ We can do without any article of luxury we have never had; but once obtained, it is not in human nature to surrender it voluntary.

03-21-2010, 06:00 PM	#4 (permalink)
Portlander Base Member Join Date: Aug 2009 Location: Southern Maine Posts: 69 Drives: 10 370Z PW 6MT Sport Rep Power: 16	I purchased the tire and rim coverage and would highly recommend it if your Z has the Sport Package due to the replacement cost of the 19" Rays and Potenza tires. Dealer will try to sell it to you for $800 but you should be able to get it for around cost which is closer to $400. Well worth the $5-6 a month if you roll it into your loan. On my previous Cayman S, I some how acquired a 3 inch bolt into the sidewall while driving on the interstate a week after I took delivery. It ruined the tire and rim, but because I had this coverage a new Classic Carrera rim and tire arrived a day later at the dealer with no hassles and zero involvement with my insurance company. Saved me around $1200 in the first week of ownership! This coverage is also transferable with the vehicle if you trade or sell in the future. 36 months is the normal length of the policy, you can buy longer coverage if you desire. In my opinion, it's a smarter purchase than spending $800-1200 on a clear bra. Quality wax and a $12 roll of Road Wrap takes care of the bugs and rock chips if I go on a trip. Good luck with your new Z! __________________ Life is a highway! Last edited by Portlander; 03-21-2010 at 06:02 PM. Reason: Typo

03-21-2010, 06:51 PM	#6 (permalink)
Mike The370Z.com Sponsor Join Date: Jun 2009 Location: Loganville, GA Posts: 5,944 Drives: 370z Rep Power: 2186	the only option you want is gap insurance if you are financing longer than 4 years. You might check to see if your insurance company offers it first though. __________________ NISSAN: 75 280Z / 86 300ZX GLL /87 Sentra SE / 03 350Z / 23 Z Porsche: 93 968 / 23 Macan GTS / 93 968

03-22-2010, 07:08 AM	#10 (permalink)
Portlander Base Member Join Date: Aug 2009 Location: Southern Maine Posts: 69 Drives: 10 370Z PW 6MT Sport Rep Power: 16	Hi-Step'n370Z, the site is Protective Film : New Car Paint Protection : Paint Protector : Automobile Paint Protection : BuyRoadWrap.com. Actually found out about this stuff from someone on this site. Comes in either a 6" or 18" roll. __________________ Life is a highway!

03-21-2010, 07:58 PM	#8 (permalink)
frost Retired admin Join Date: Dec 2008 Location: Winterfell Posts: 106,613 Drives: Your Wife Crazy Rep Power: 0	Whatever youre thinking of buying, see if your regular insurance company already offers it. Like, I'm a HUGE fan of GAP insurance and think everyone should have it if there is a chance they will be upside down on a car (like most of us), but most insurance companies offer it for much cheaper than what you will pay at a dealer.

03-21-2010, 10:19 PM	#9 (permalink)
cossie1600 A True Z Fanatic Join Date: Jun 2009 Location: californee way Posts: 5,380 Drives: 370, Leaf Rep Power: 30	I think my insurance company charges <$10 a month

03-22-2010, 07:20 AM	#11 (permalink)
Matt A True Z Fanatic Join Date: Oct 2009 Location: Augusta, GA Age: 41 Posts: 1,680 Drives: 2010 Avalanche LT Rep Power: 19	The rim and tire warranty is the only thing I get at the dealer. I've had too many tire/wheel issues in the past to skip it, so it's worth it for my piece of mind. To others, probably not so much. __________________ "Any man who can drive a 370z while kissing a pretty girl is simply not giving the Z the attention it deserves." Albert Einstein....modified.

03-22-2010, 12:26 PM	#12 (permalink)
Chico370Z Base Member Join Date: Oct 2009 Location: East Bay, CA Posts: 233 Drives: 09 370Z Touring Rep Power: 16	haha wow that road wrap stuff is pretty interesting...it's like saran wrap for your car helps keep it fresh __________________ 04 Nissan Sentra SpecV: Brembos, Nismo Intake/Exhaust/Short Shifter, Eibach Sportlines, ES MMI - SOLD / / / 09 Nissan 370Z Touring: Invidia Gemini Exhaust, ERZ HFC, GTM 25 Row Cooler, Z1 Tubes, and K&N Drop Ins

03-22-2010, 12:59 PM	#13 (permalink)
FuszNissan A True Z Fanatic Join Date: May 2009 Location: St. Louis Posts: 14,275 Drives: Pure Sex Rep Power: 542	The tire and wheel protection(Road hazard) is well worth it. __________________ Mods: Too Many to list! LouFuszNissan ZDAYZ 2012

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