Cheap 2014 Nissan Cube Insurance Rates

Scraping up a payment for overpriced Nissan Cube insurance can overdraw your personal savings and put the squeeze on your family’s finances. Comparison shopping is a smart way to slash your bill and have more diposable income. Big companies like Geico, 21st Century and Progressive persitently shower you with ad campaigns and it is challenging if not impossible to separate fact from fiction and find the best price available.

Consumers need to do rate comparisons quite often since insurance rates are constantly changing. Even if you got the lowest rates on Cube coverage a year ago you can probably find a lower rate today. So just block out anything you think you know about auto insurance because it’s time to teach you the only way to properly buy coverages and cut your premium.

Fast and Easy Insurance Coverage Quotes

Lowering your 2014 Nissan Cube insurance coverage rates can be relatively painless. All you need to do is take a couple of minutes to get quotes online with multiple companies. This can be done using a couple different methods.

The easiest and least time consuming way to get quotes is a comparison rater form click to view form in new window. This type of form saves time by eliminating boring form submissions to each individual insurance coverage company. In just a few minutes this one form gets you price quotes from multiple low-cost companies.

A slightly less efficient method to compare rate quotes consists of going to the website for every company you want to comare to complete a price quote. For instance, we’ll pretend you want to compare rates from Liberty Mutual, Safeco and Geico. To find out each rate you need to take the time to go to each site and enter your information, which is why the first method is more popular. For a handy list of car insurance company links in your area, click here.

The least efficient method of getting rate comparisons is to drive around to local insurance agencies. The ability to buy insurance online eliminates the need for an insurance agent unless you require the personal advice that only a license agent can provide. It is possible to comparison shop online but buy from a local insurance agent and we’ll touch on that later.

However you get your quotes, make sure you use the exact same coverage limits and deductibles for every quote you compare. If you use higher or lower deductibles you will not be able to make a fair comparison for your Nissan Cube.

Get lower rates on Nissan Cube insurance

The price of auto insurance can be rather high, buy you may qualify for discounts that many people don’t even know exist. Most are applied at the time of quoting, but a few need to be inquired about prior to receiving the credit. If you aren’t receiving every discount you deserve, you’re paying more than you need to.

Safe Drivers – Drivers who avoid accidents can pay as much as 50% less on Cube coverage than less cautious drivers.
No Accidents – Good drivers with no accidents can earn big discounts as compared to frequent claim filers.
Drivers Education – Cut your cost by having your teen driver complete a driver education course in high school.
Multi-policy Discount – If you have multiple policies with one company you may save at least 10% off all policies.
Anti-lock Brakes – Cars that have steering control and anti-lock brakes can reduce accidents and therefore earn up to a 10% discount.
New Car Discount – Insuring a new car can be considerably cheaper since new cars are generally safer.
Use Seat Belts – Requiring all passengers to use their safety belts can save 10% or more off the personal injury premium cost.
Payment Method – If you pay your entire premium ahead of time instead of monthly or quarterly installments you may reduce your total bill.
Passive Restraints – Vehicles with factory air bags or automatic seat belts may earn rate discounts of 20% or more.

Keep in mind that many deductions do not apply to the entire policy premium. A few only apply to the cost of specific coverages such as liability, collision or medical payments. Just because it seems like having all the discounts means you get insurance for free, you’re out of luck. But any discount will cut your premiums.

To see a list of companies with discount car insurance rates, click this link.

Tailor your coverage to you

When it comes to choosing adequate coverage for your personal vehicles, there really is no cookie cutter policy. Coverage needs to be tailored to your specific needs and your policy should reflect that. For example, these questions can help discover whether or not you will benefit from professional help.

Can I afford to pay high deductible claims out of pocket?
What is roadside assistance coverage?
Does my policy cover my teen driver if they drive my company car?
Will I be non-renewed for getting a DUI or other conviction?
Is my teenager covered with friends in the car?
Can my babysitter drive my car?
Am I covered when renting a car or should I buy coverage from the car rental agency?
What is the difference between comprehensive and collision coverage?
Is my camper covered by my car insurance policy?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier It’s fast, free and can provide invaluable advice.

Car insurance coverage specifics

Learning about specific coverages of a car insurance policy can help you determine which coverages you need and proper limits and deductibles. Car insurance terms can be confusing and nobody wants to actually read their policy. Listed below are the usual coverages found on the average car insurance policy.

Coverage for collisions

This coverage pays for damage to your Cube caused by collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like crashing into a building, rolling your car, hitting a mailbox and sideswiping another vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses like rehabilitation expenses, ambulance fees and EMT expenses. They are often utilized in addition to your health insurance plan or if you do not have health coverage. They cover both the driver and occupants and also covers being hit by a car walking across the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Auto liability

This can cover damage that occurs to people or other property that is your fault. This insurance protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Another option is a combined limit which provides one coverage limit without having the split limit caps.

Liability coverage pays for things like pain and suffering, legal defense fees, funeral expenses and bail bonds. How much coverage you buy is your choice, but buy higher limits if possible.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Comprehensive coverages

This pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as vandalism, theft and fire damage. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.