2012 Nissan Cube Insurance Cost – 8 Ways to Save

Looking for the cheapest insurance coverage rates for your Nissan Cube? Tired of being strong-armed to insure your Nissan every month? You have the same problem as many other consumers. Due to the fact that there are so many companies to choose from, it can be impossible to choose the lowest price insurance coverage provider.

How much does auto insurance cost?

Effectively comparing auto insurance prices can be a lot of work if you don’t know the best way to get rate quotes. You can spend your afternoon talking to insurance agencies in your area, or you can utilize the internet to maximize your effort.

Most of the best insurance companies belong to an insurance system where insurance shoppers only type in their quote data once, and at least one company returns a rated price based on that data. This system prevents you from having to do quote requests for each company.

To participate in this free quote system, click here to start a free quote.

One minor caviat to using this type of system is that you can’t choose the providers you will receive quotes from. If you prefer to choose individual companies for rate comparison, we have a listing of auto insurance companies in your area. View list of insurance companies.

However you get your quotes, make darn sure you compare exactly the same coverage limits with each company. If you use different coverage information it’s not possible to determine the best price for your Nissan Cube.

Are you qualifying for every discount?

Car insurance companies do not advertise their entire list of discounts very well, so here is a list both the well known as well as the least known discounts you could be receiving when you buy car insurance online.

  • Discounts for Multiple Vehicles – Purchasing coverage when you have more than one vehicle on one policy can get a discount on all vehicles.
  • One Accident Forgiven – Not a discount per se, but some companies like Allstate and Progressive will let one accident slide without raising rates as long as you don’t have any claims for a particular time prior to the accident.
  • Seat Belt Usage – Drivers who require all vehicle occupants to buckle up before driving can save up to 15% on medical payment and PIP coverage.
  • Air Bag Discount – Vehicles equipped with air bags or motorized seat belts can get savings as much as 30%.
  • Homeowners Savings – Just owning your own home may earn you a small savings because maintaining a house is proof that your finances are in order.
  • Savings for New Vehicles – Putting coverage on a new car may earn a small discount due to better safety requirements for newer vehicles.
  • Professional Organizations – Having an affiliation with a civic or occupational organization is a simple method to lower premiums on your bill.
  • Payment Discounts – If you pay your entire premium ahead of time rather than paying monthly you may have a lower total premium amount.

Policy discounts save money, but most discounts do not apply the the whole policy. Most cut specific coverage prices like medical payments or collision. Even though it appears you could get a free auto insurance policy, it doesn’t quite work that way. Any amount of discount should help lower the cost of your policy.

Car insurance companies that may have most of the discounts above may include but are not limited to:

If you need cheaper car insurance quotes, ask each company how many discounts you can get. Some discounts listed above may not be available in your area. To choose insurance companies that offer many of these discounts, follow this link.

When in doubt talk to an agent

When buying coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Everyone’s situation is a little different so this has to be addressed. For example, these questions may help you determine whether you could use an agent’s help.

  • Do I have coverage when using my vehicle for my home business?
  • Should I have combined single limit or split liability limits?
  • Are rock chip repairs covered?
  • Is my state a no-fault state?
  • Do I have any recourse if my insurance company denies a claim?
  • Should I have a commercial auto policy?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Am I covered if I hit my neighbor’s mailbox?
  • Am I covered if I drive in a foreign country?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can help protect your family.

Insurance policy coverages for a Nissan Cube

Knowing the specifics of your insurance policy aids in choosing the right coverages and proper limits and deductibles. Policy terminology can be ambiguous and nobody wants to actually read their policy. Shown next are the normal coverages found on the average insurance policy.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP kick in for bills such as prosthetic devices, chiropractic care, X-ray expenses and EMT expenses. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers you and your occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Collision coverage – This coverage pays for damage to your Cube resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things such as rolling your car, sideswiping another vehicle and colliding with a tree. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. You can also increase the deductible to bring the cost down.

Liability insurance – This coverage will cover damage that occurs to other’s property or people that is your fault. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 50/100/50 which stand for a limit of $50,000 per injured person, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Some companies may use a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers things such as pain and suffering, structural damage and medical services. The amount of liability coverage you purchase is a personal decision, but you should buy as high a limit as you can afford.

Comprehensive insurance – This coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as theft, damage from flooding and hitting a deer. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Nissan Cube.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

More quotes mean more savings

We’ve covered a lot of techniques to save on 2012 Nissan Cube insurance. It’s most important to understand that the more quotes you get, the better likelihood of getting cheaper car insurance. Drivers may discover the best premium rates are with a small mutual company. Regional companies may often insure only within specific states and give getter rates than their larger competitors like State Farm, GEICO and Nationwide.

When getting car insurance quotes online, it’s a bad idea to reduce needed coverages to save money. In many instances, someone dropped liability limits or collision coverage to discover at claim time that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to buy enough coverage at the best cost and still be able to protect your assets.

Additional detailed information can be found in the articles below: