View 2011 Nissan Cube Insurance Quotes

Finding cheaper insurance for a Nissan Cube can normally be a lot of work, but you can learn these tips and make it easy.

There are more efficient ways to find car insurance online and we’ll show you the quickest way to quote coverages for a Nissan and obtain the lowest price from both online companies and local agents.

If you have insurance now or need new coverage, you can use these tips to find better prices and still get good coverage. Locating the lowest cost car insurance is quite easy. Vehicle owners only need to know the most efficient way to compare rates over the internet.

Smart buyers save every year

An important part of buying insurance is that you know the different types of things that go into determining your premiums. If you know what positively or negatively impacts your premiums, this allows you to make educated decisions that may result in better insurance coverage rates.

  • Raising comp and collision deductibles saves money – Deductibles for physical damage are how much you are required to spend out-of-pocket before a claim is paid by your company. Physical damage insurance, otherwise known as comp (or other than collision) and collision, insures against damage to your car. Some coverage claims could be collision with another vehicle, damage caused by hail, and having a roll-over accident. The more you’re willing to pay, the bigger discount you will receive for Cube coverage.
  • Gaps in coverage mean higher premiums – Driving with no insurance is against the law and you will pay a penalty because you let your coverage have a gap. Not only will rates go up, not being able to provide proof of insurance may result in a license revocation or jail time.
  • More traffic means higher claims – Having an address in small towns and rural areas has it’s advantages when it comes to insurance coverage. Drivers who live in large cities tend to have much more traffic and more severe claims. Fewer drivers and short commutes translates into fewer accidents in addition to lower liability claims
  • Poor credit rating equals high costs – A driver’s credit score is a large factor in calculating your premium rate. So if your credit rating leaves room for improvement, you may save money insuring your 2011 Nissan Cube by improving your credit score. People with high credit scores tend to file fewer claims and have better driving records than those with bad credit.
  • Policy add-ons could be costing you – Insurance companies have many extra add-on coverages that you can buy if you aren’t careful. Add-on coverages like roadside assistance, high-cost glass coverage, and motor club memberships are probably not needed. The coverages may be enticing when you first buy your policy, but if you don’t need them remove them and pocket the money.
  • Battle of the sexes – Statistics demonstrate women are more cautious behind the wheel. Now that doesn’t mean women are better drivers. They both get in accidents at a similar rate, but the men have costlier accidents. Not only are claims higher, but men receive more costly citations like reckless driving and DUI.
  • Vocation and insurance insurance coverage rates – Occupations such as lawyers, social workers and medical professionals generally pay the highest rates due to intense work requirements and long work days. Other jobs such as professors, athletes and homemakers have the lowest average rates for Cube coverage.

Save a ton with these car insurance discounts

Car insurance is not cheap, but there could be significant discounts that could drop your premiums quite a bit. Larger premium reductions will be automatically applied at the time of purchase, but some need to be specially asked for before they will apply.

  • Accident Forgiveness Coverage – This one isn’t a discount, but some insurance companies permit an accident without the usual rate increase as long as you don’t have any claims before the accident.
  • Government Employee Discount – Active or former government employment could qualify for a slight premium decrease for Cube coverage depending on your company.
  • Discount for Life Insurance – Larger companies have a small discount if you purchase some life insurance too.
  • Drive Safe and Save – Insureds who avoid accidents may save up to 50% more for Cube coverage than drivers with accident claims.
  • Savings for New Vehicles – Buying a new car instead of a used car can save up to 30% due to better safety requirements for new vehicles.
  • Active Military Service – Being deployed with a military unit could mean lower premium rates.
  • Defensive Driver – Taking a driver safety course may get you a small discount if your company offers it.
  • Good Student Discount – Being a good student may save you up to 25%. This discount can apply until age 25.
  • Telematics Discount – Drivers that enable companies to analyze when and where they use their vehicle by using a telematics device like Drivewise from Allstate or In-Drive from State Farm could possibly reduce rates if their driving habits are good.
  • Seat Belts Save more than Lives – Requiring all passengers to buckle up before driving may be able to save a few bucks off the PIP or medical payment premium.

One thing to note about discounts is that many deductions do not apply to the entire cost. Most cut the cost of specific coverages such as collision or personal injury protection. Despite the appearance that all the discounts add up to a free policy, it doesn’t quite work that way.

A few of the larger companies and some of the premium reductions they offer are shown below.

  • Geico has savings for daytime running lights, membership and employees, emergency military deployment, seat belt use, air bags, anti-lock brakes, and multi-policy.
  • MetLife has discounts for defensive driver, multi-policy, good student, good driver, and claim-free.
  • Progressive discounts include homeowner, online signing, good student, online quote discount, multi-vehicle, and multi-policy.
  • Travelers may have discounts that include new car, save driver, early quote, IntelliDrive, hybrid/electric vehicle, home ownership, and student away at school.
  • SAFECO offers premium reductions for accident prevention training, teen safety rewards, homeowner, teen safe driver, safe driver, and drive less.
  • AAA offers discounts for AAA membership discount, pay-in-full, education and occupation, multi-policy, good driver, good student, and multi-car.

When comparing rates, check with each company which discounts you may be entitled to. Depending on the company, some discounts might not be offered on policies everywhere. To see a list of car insurance companies that offer multiple discounts, click here to view.

Auto insurance can get complicated

When buying the right insurance coverage for your personal vehicles, there is no cookie cutter policy. Coverage needs to be tailored to your specific needs.

For example, these questions may help highlight whether you might need an agent’s assistance.

  • Are my tools covered if they get stolen from my vehicle?
  • Should I buy more coverage than the required minimum liability coverage?
  • When would I need rental car insurance?
  • Can I drive in Mexico and have coverage?
  • Does my policy cover me when driving someone else’s vehicle?
  • Are rock chip repairs covered?
  • What vehicles should carry emergency assistance coverage?
  • I have health insurance so do I need medical payments coverage?

If you can’t answer these questions but a few of them apply, you might consider talking to a licensed agent. To find lower rates from a local agent, complete this form. It is quick, free and may give you better protection.

Parts of your insurance policy

Knowing the specifics of insurance can be of help when determining the best coverages at the best deductibles and correct limits. Insurance terms can be ambiguous and coverage can change by endorsement.

Auto collision coverage

This pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like sustaining damage from a pot hole, crashing into a ditch, crashing into a building and driving through your garage door. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Protection from uninsured/underinsured drivers

This coverage provides protection from other motorists when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants as well as damage to your Nissan Cube.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Comprehensive (Other than Collision)

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like rock chips in glass, damage from a tornado or hurricane, hitting a bird and fire damage. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical expense insurance

Medical payments and Personal Injury Protection insurance provide coverage for expenses such as pain medications, rehabilitation expenses and ambulance fees. They are used to cover expenses not covered by your health insurance plan or if you do not have health coverage. They cover both the driver and occupants and will also cover getting struck while a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Auto liability

Liability insurance protects you from damage that occurs to a person or their property in an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three 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 $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Another option is a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for things such as bail bonds, court costs and loss of income. How much liability should you purchase? That is a personal decision, but consider buying as high a limit as you can afford.

At the end of the day…

Drivers switch companies for any number of reasons including delays in paying claims, extreme rates for teen drivers, high rates after DUI convictions and even policy non-renewal. Regardless of your reason for switching companies, finding a new company can be pretty painless.

In this article, we presented many ways to get a better price on 2011 Nissan Cube insurance. The key concept to understand is the more companies you get prices for, the better your comparison will be. You may even discover the lowest priced car insurance comes from some of the smallest insurance companies.

More affordable car insurance can be found both online as well as from insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance companies may not have online rate quotes and most of the time these small insurance companies only sell coverage through local independent agencies.

More learning opportunities