Cheap 2013 Nissan Cube Car Insurance Quotes

Searching for better auto insurance rates for your Nissan Cube? Purchasing the most affordable auto insurance on the web may be challenging for people who are new to buying insurance online. When there are so many insurers to choose from, how can consumers effectively compare them all to find the lowest price available?

If you currently have car insurance, you will be able to lower your premiums substantially using these tips. The purpose of this article is to help educate you on the best way to quote coverages and some tricks to saving. But car owners should learn the way insurance companies compete online.

Comprehensive Insurance Coverage Comparison

There are several ways to compare rate quotes from insurance coverage companies in your area. The easiest way by far to find competitive 2013 Nissan Cube insurance rates is to perform an online rate comparison. This can be accomplished using a couple different methods.

The recommended way to find low rates is an all-inclusive rate comparison click here to open form in new window. This easy form saves time by eliminating separate quotes for each company. A single, simple form will return price quotes from multiple companies. It’s the fastest way to compare.

A less efficient way to compare rate quotes consists of going to each company’s website and complete a new quote form. For examples sake, we’ll assume you want comparison quotes from Geico, Esurance and Allstate. To get each rate you have to visit each site to enter your coverage information, which is why most consumers use the first method. For a handy list of car insurance company links in your area, click here.

The least efficient method of comparing rate quotes is driving to insurance agents’ offices. The internet has reduced the need for local agents unless you require the professional guidance only provided by licensed agents. Drivers can obtain prices from the web but buy from a local insurance agent and we’ll talk about that later.

It’s up to you which method you use, but make darn sure you compare exactly the same coverage limits and deductibles for every quote you compare. If you compare higher or lower deductibles it will be impossible to determine the lowest rate for your Nissan Cube. Just a small difference in coverages may result in large price differences. Keep in mind that comparing a large number of companies will enable you to find the best rates.

Don’t miss these discounts

Insuring your fleet can be pricey, but there are discounts available to help bring down the price. Some discounts apply automatically at the time of purchase, but lesser-known reductions have to be specially asked for before they will apply.

  • Defensive Driver – Taking part in a defensive driving course could cut 5% off your bill and easily recoup the cost of the course.
  • Early Switch Discount – Some companies give discounts for signing up before your current policy expires. It’s a savings of about 10%.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to take driver’s ed class in high school.
  • Low Mileage – Low mileage vehicles could be rewarded with lower rates on the low mileage vehicles.
  • Own a Home – Being a homeowner may trigger a car insurance policy discount because owning a home demonstrates responsibility.
  • New Vehicle Savings – Buying coverage on a new vehicle can cost up to 25% less compared to insuring an older model.
  • Resident Student – Kids in college who attend school more than 100 miles from home and do not have a car may qualify for this discount.

It’s important to note that some credits don’t apply the the whole policy. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So even though it sounds like it’s possible to get free car insurance, it doesn’t quite work that way. Any amount of discount will help reduce your overall premium however.

Car insurance companies that possibly offer these money-saving discounts may include but are not limited to:

Check with every prospective company which discounts they offer. Savings may not be available in your area.

When might I need help?

When choosing coverage, there is no cookie cutter policy. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that may help highlight whether or not you could use an agent’s help.

  • How many claims can I have before being cancelled?
  • How much can I save by bundling my policies?
  • Is my babysitter covered when using my vehicle?
  • How much underlying liability do I need for an umbrella policy?
  • Should I sign the liability waiver when renting a car?
  • Do I need roadside assistance coverage?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Can my teen drive my company car?
  • Why do I only qualify for high-risk insurance?

If you don’t know the answers to these questions, you might consider talking to an insurance agent. If you don’t have a local agent, fill out this quick form.

Nissan Cube insurance premiums are calculated by many factors

Consumers need to have an understanding of some of the elements that come into play when calculating the rates you pay for insurance coverage. Having a good understanding of what impacts premium levels enables informed choices that could result in lower insurance coverage prices.

The list below includes some of the items insurance coverage companies consider when setting premiums.

  • Where you reside plays a part – Choosing to live in less populated areas can be a good thing when talking about insurance coverage. Urban drivers have much more traffic and longer commute times. Lower population means a lower chance of having an accident as well as less vandalism and auto theft.
  • Car features impact rates – Driving a car with a theft deterrent system can save you a little every year. Anti-theft devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder your vehicle from being stolen.
  • Don’t cancel a policy without a new one in place – Letting your insurance expire is a guaranteed way to bump up your insurance coverage costs. And not only will insurance be more expensive, but not being able to provide proof of insurance can result in a steep fine or even jail time.
  • Low deductibles can be expensive – Physical damage insurance, also known as collision and other-than-collision, protects your Nissan from damage. Some examples of claims that would be covered are collision with another vehicle, vandalism, and burglary. Deductibles for physical damage are the amount of money you are willing to pay out-of-pocket before a claim is paid by your company. The more expense the insured has to pay upfront, the lower your rates will be on Cube insurance.
  • The more you drive the more you pay – Driving more miles every year the higher your rates will be. Almost all companies rate vehicles determined by how the vehicle is used. Vehicles used primarily for pleasure use get more affordable rates compared to those used for work or business. Having the wrong rating on your Cube may be wasting your money. Double check that your insurance coverage coverage is rated on the proper vehicle usage.
  • Safer cars are cheaper to insure – Vehicles with high crash test scores tend to have better insurance rates. These vehicles have better occupant injury protection and lower injury rates means less money paid by your insurance company passed on to you as lower rates. If your Nissan is rated at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.
  • Traffic citations inflate rates – Whether or not you get tickets has a huge affect on how much you pay. Careful drivers receive lower rates than their less careful counterparts. Even a single speeding ticket can boost insurance rates forty percent or more. Drivers with dangerous tickets such as reckless driving, hit and run or driving under the influence are required to file a SR-22 to the state department of motor vehicles in order to prevent a license revocation.

Auto insurance coverages

Learning about specific coverages of your insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Comprehensive auto coverage

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as a tree branch falling on your vehicle, vandalism and hitting a deer. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision protection

This covers damage to your Cube from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things like colliding with another moving vehicle, colliding with a tree and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Medical payments and PIP coverage

Med pay and PIP coverage provide coverage for bills such as hospital visits, chiropractic care and nursing services. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability coverages

This coverage can cover damage or injury you incur to other people or property by causing an accident. It protects you from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 25/50/25 which means a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Alternatively, you may have a combined limit that pays claims from the same limit without having the split limit caps.

Liability can pay for claims like repair costs for stationary objects, medical services and emergency aid. The amount of liability coverage you purchase is a personal decision, but consider buying as large an amount as possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage provides protection when the “other guys” either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Nissan Cube.

Because many people carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally these limits do not exceed the liability coverage limits.

Money doesn’t grow on trees

People change insurance companies for a variety of reasons including not issuing a premium refund, denial of a claim, delays in responding to claim requests or even an unsatisfactory settlement offer. No matter why you want to switch, finding a great new company is pretty easy and you might even save some money in the process.

Throughout this article, we presented many tips how you can save on 2013 Nissan Cube insurance. The key thing to remember is the more providers you compare, the better chance you’ll have of finding lower rates. Drivers may discover the lowest rates come from a smaller regional carrier.

Cheap insurance is possible online and also from your neighborhood agents, and you need to comparison shop both in order to have the best price selection to choose from. Some insurance companies may not provide the ability to get a quote online and these regional insurance providers work with independent agents.

Even more information can be found at these sites: