2014 Nissan Cube Car Insurance Cost

Searching for better car insurance rates for your Nissan Cube? Searching for affordable car insurance over the internet may seem to be somewhat intimidating for people new to quoting and buying their car insurance online. With literally dozens of insurers to choose from, how can anyone have a chance to compare every company in order to find the best price?

Insurance policy discounts

Insuring your vehicles can cost a lot, but you might already qualify for some discounts that may help make it more affordable. Certain reductions will be credited when you get a quote, but some discounts are required to be manually applied before they will apply. If they aren’t giving you every credit available, you could be getting lower rates.

  • Mature Driver Discount – If you qualify as a senior citizen, you can possibly qualify for reduced rates on Cube insurance.
  • Driver’s Education for Students – Have your child enroll in driver’s education in school.
  • Seat Belt Usage – Requiring all passengers to use their safety belts can save up to 10 percent (depending on the company) on the medical payments or PIP coverage costs.
  • Service Members Pay Less – Having a deployed family member may qualify for rate reductions.
  • Sign Early and Save – A few companies allow discounts for switching companies before your current policy expires. This discount can save up to 10%.
  • Multiple Vehicles – Drivers who insure all your vehicles with the same insurance company qualifies for this discount.
  • Student in College – Youth drivers who are enrolled in a college that is more than 100 miles from home and won’t have access to an insured vehicle may be insured at a cheaper rate.
  • Claim-Free Discount – Drivers with accident-free driving histories have much lower rates compared to frequent claim filers.

While discounts sound great, it’s important to understand that most credits do not apply the the whole policy. Some only apply to the cost of specific coverages such as liability and collision coverage. So even though it sounds like all those discounts means the company will pay you, it’s just not the way it works. But all discounts should help lower your overall premium however.

A few popular companies and their offered discounts include:

  • GEICO offers premium reductions for daytime running lights, federal employee, military active duty, seat belt use, and anti-theft.
  • MetLife may offer discounts for defensive driver, good driver, multi-policy, claim-free, and good student.
  • Progressive has savings for homeowner, good student, online quote discount, multi-vehicle, online signing, multi-policy, and continuous coverage.
  • Travelers includes discounts for driver training, multi-policy, continuous insurance, multi-car, and home ownership.
  • SAFECO may include discounts for teen safety rewards, anti-lock brakes, anti-theft, accident prevention training, homeowner, and bundle discounts.
  • AAA offers discounts including multi-policy, good driver, multi-car, good student, pay-in-full, AAA membership discount, and education and occupation.

Before you buy a policy, ask all the companies which discounts they offer. Some credits may not be available in every state.

How do I know if I need professional advice?

When choosing the right insurance coverage, there is no one size fits all plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that can help discover if your insurance needs would benefit from an agent’s advice.

  • What discounts do I qualify for?
  • What is high-risk coverage and where do I buy it?
  • When should my teen driver be added to my policy?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Should I buy additional glass protection?
  • Do I need replacement cost coverage on my 2014 Nissan Cube?

If it’s difficult to answer those questions, you might consider talking to an agent. If you want to speak to an agent in your area, complete this form.

Save $396 a year? Really?

Insurance coverage companies such as Allstate, GEICO and Progressive consistently run television and radio advertisements. All the ads make an identical promise that you can save just by switching to their company. How can each company give you a lower rate? You have to listen carefully.

All the different companies quote their best rates for the type of driver that will not have excessive claims. One example of this type of risk profile could possibly be a married female, has other policies, and has great credit. Anyone who fits those characteristics gets the lowest premium rates and therefore will cut their rates substantially.

Potential customers who may not quite match the requirements may receive higher prices which results in business not being written. The ad wording is “drivers that switch” but not “everyone who gets a quote” save the amount stated. That’s why companies can truthfully make it sound like they have such great rates.

Because every company is different, you should compare quotes as often as possible. It is impossible to predict which company will provide you with the cheapest prices.

What auto insurance coverages do you need?

Learning about specific coverages of your policy helps when choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP provide coverage for bills for ambulance fees, X-ray expenses and surgery. They are often used in conjunction with a health insurance program or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Collision coverage

Collision coverage pays for damage to your Cube caused by collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims like sideswiping another vehicle, damaging your car on a curb, rolling your car and hitting a parking meter. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage gives you protection from other motorists when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries and also any damage incurred to your Nissan Cube.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Normally the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive insurance

This pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like hitting a deer, damage from flooding, hail damage, falling objects and theft. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability

This coverage can cover damage or injury you incur to people or other property in an accident. This insurance protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Some companies may use one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for things like pain and suffering, bail bonds, repair bills for other people’s vehicles and attorney fees. How much coverage you buy is your choice, but it’s cheap coverage so purchase higher limits if possible.

Save your cold hard cash

While you’re price shopping online, you should never sacrifice coverage to reduce premiums. Too many times, an insured dropped uninsured motorist or liability limits only to find out they didn’t purchase enough coverage. The ultimate goal is to buy the best coverage you can find at the best price, but do not sacrifice coverage to save money.

Insureds change insurance companies for a number of reasons such as poor customer service, policy non-renewal, extreme rates for teen drivers and even questionable increases in premium. Regardless of your reason for switching companies, finding a great new company can be less work than you think.

You just learned a lot of ways to save on 2014 Nissan Cube insurance. The most important thing to understand is the more companies you get prices for, the more likely it is that you will get a better rate. You may even discover the lowest premium rates come from a small mutual company.

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