Save on 2014 Nissan Cube Insurance Rates

Want the cheapest insurance rates for your Nissan Cube? Are you at wits end from wondering where the money will come from each month for insurance? You’re in the same situation as most other consumers. Consumers have multiple insurance companies to pick from, and although it’s nice to have a choice, too many choices makes it more difficult to find the best rates for your vehicles.

Cheaper insurance quotes with discounts

Some companies don’t always list every discount they offer in an easy-to-find place, so the list below gives a summary of both well-publicized and also the lesser-known credits that you can use to lower your rates.

  • Accident-Free Discounts – Claim-free drivers have much lower rates when compared to frequent claim filers.
  • Include Life Insurance and Save – Select insurance companies reward you with a small discount if you purchase some life insurance too.
  • Bundle and Save – If you can combine your home and auto policy and insure them both with the same insurance company you will save as much as 10 to 15 percent.
  • Discounts for Safe Drivers – Insureds who avoid accidents can get discounts for up to 45% lower rates on Cube coverage as compared to drivers with claims.
  • New Car Discount – Adding a new car to your policy can save you some money due to better safety requirements for new model year vehicles.
  • ABS Brakes – Anti-lock brake equipped vehicles can reduce accidents and the ABS can save up to 10%.
  • Discount for Home Ownership – Just owning your own home can save you money because it requires a higher level of personal finance.
  • Anti-theft Discount – Cars, trucks, and SUVs that have factory anti-theft systems are stolen with less frequency and can earn a small discount on your policy.
  • First Accident Forgiveness – This one is not really a discount per se, but a few companies such as Geico and Liberty Mutual will forgive one accident before your rates go up so long as you are claim-free prior to being involved in the accident.
  • Payment Discounts – If you can afford to pay the entire bill rather than paying in monthly installments you can avoid the installment charge.

Drivers should understand that most of the big mark downs will not be given to the overall cost of the policy. Most only cut individual premiums such as comp or med pay. Despite the appearance that you could get a free insurance policy, companies don’t profit that way. Any amount of discount will cut your insurance premiums.

Some of the insurance companies that have these benefits include:

Before you buy a policy, ask all companies you are considering to apply every possible discount. A few discounts may not be offered in your area.

Which insurance is cheapest?

Reducing your 2014 Nissan Cube insurance rates can be relatively painless. The only thing you need to do is invest a little time to compare rate quotes to see which company has affordable auto insurance quotes. Comparing prices online can be done by using one of the methods below.

  1. The fastest way to get quotes is an all-inclusive rate comparison (click to open form in new window). This type of form eliminates the need for a different quote for every company. Filling out one form gets you coverage quotes from several companies.
  2. A slightly less efficient method to get quotes online requires visiting the website of each company to request a price quote. For example, we’ll pretend you want to compare rates from Progressive, 21st Century and GMAC. In order to compare rates, you need to take the time to go to each site to enter your coverage information, and that’s why the first method is more popular.

    For a list of companies in your area, click here.

  3. The most difficult way to get price estimates is to spend time driving to local insurance agencies. The fact that you can get quotes online eliminates this option unless you prefer the professional assistance of a local agent. Although, it is possible get prices online but purchase the actual policy in an agency.

It’s up to you how you get prices quotes, just make sure you compare exactly the same quote information with each company. If you compare different coverage information it will be nearly impossible to truly determine the lowest rate.

Tailor your insurance coverage to you

When it comes to buying proper insurance coverage, there really is no cookie cutter policy. Each situation is unique and your policy should reflect that. For instance, these questions can aid in determining whether or not you might need an agent’s assistance.

  • Do I get a pro-rated refund if I cancel my policy early?
  • What vehicles should carry emergency assistance coverage?
  • Do I need special endorsements for business use of my vehicle?
  • When would I need rental car insurance?
  • Is my teen driver covered when they drive my company car?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Does my policy pay for OEM or aftermarket parts?
  • What happens if I owe more than my 2014 Nissan Cube is worth?
  • Am I covered if hit by an uninsured driver?
  • When can I cancel my policy?

If you don’t know the answers to these questions, then you may want to think about talking to an agent. To find lower rates from a local agent, complete this form or click here for a list of insurance companies in your area. It only takes a few minutes and you can get the answers you need.

Auto insurance coverage specifics

Learning about specific coverages of auto insurance can be of help when determining which coverages you need for your vehicles. Policy terminology can be ambiguous and reading a policy is terribly boring. Below you’ll find the normal coverages found on the average auto insurance policy.

Medical costs insurance

Med pay and PIP coverage provide coverage for bills for nursing services, dental work and chiropractic care. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover you and your occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

Liability auto insurance

This provides protection from injuries or damage you cause to other’s property or people. It protects YOU against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 25/50/25 which means a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability can pay for claims such as pain and suffering, bail bonds and medical expenses. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive or Other Than Collision

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as damage from a tornado or hurricane, hail damage and fire damage. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision coverage protection

This will pay to fix damage to your Cube from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as crashing into a building, hitting a mailbox and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Another option is to bump up the deductible to save money on collision insurance.

UM/UIM Coverage

Your UM/UIM coverage gives you protection from other drivers when they either have no liability insurance or not enough. It can pay for injuries to you and your family as well as damage to your Nissan Cube.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

The bottom line

Lower-priced 2014 Nissan Cube insurance can be sourced online and from local insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance companies do not provide internet price quotes and these regional insurance providers provide coverage only through independent agents.

When searching for cheaper auto insurance quotes, do not buy poor coverage just to save money. There have been many cases where an accident victim reduced comprehensive coverage or liability limits only to regret that they should have had better coverage. The goal is to buy the best coverage you can find at an affordable rate, but don’t skip important coverages to save money.

Additional insurance information can be read below: