Lower Your 2011 Nissan Cube Insurance Quotes

Being forced to pay for high-priced car insurance premiums can drain your savings account and make it tough to pay other bills. Comparing rates annually can save money and help to ensure you are getting the best deal.

Vehicle owners have many car insurance companies to insure vehicles with, and although it’s a good thing to have a choice, it can be more difficult to compare rates and find the lowest cost car insurance.

Consumers should take time to take a look at other company’s rates at least once a year since prices are rarely the same from one policy term to another. Even if you think you had the lowest rate for Cube coverage a year ago you can probably find a lower rate today. Block out anything you think you know about car insurance because you’re about to learn the right way to save on car insurance.

Learn how to quote auto insurance more affordably

When buying auto insurance it’s important to understand the factors that aid in calculating auto insurance rates. If you know what determines premiums, this allows you to make educated decisions that can help you get lower premium levels. Lots of factors are part of the equation when premium rates are determined. Some factors are common sense like a motor vehicle report, although others are less apparent such as your credit history or your financial responsibility.

• Costs impacted by vehicle usage – Driving a lot of miles every year the more it will cost to insure it. A lot of insurance companies charge rates based on how the vehicle is used. Autos that do not get driven very much qualify for better rates than vehicles that have high annual mileage. Double check that your auto insurance coverage shows the right rating data, because improper ratings can cost you money. Having an incorrect usage rating on your Cube may be wasting your money.
• Rates can be impacted by your occupation – Occupations such as military personnelpolice officers and stock brokers generally pay higher rates than average because of stressful work requirements and long work days. Other jobs like farmers, athletes and performers have the lowest average rates for Cube coverage.
• Raise deductibles and save – Comprehensive and collision coverage deductibles represent how much money you are willing to pay if you file a covered claim. Physical damage coverage, also called ‘full coverage’, insures against damage to your car. Some instances where coverage would apply would be rearending another vehicle, damage caused by hail, or theft of your vehicle. The larger the amount the insured is willing to pay, the less your company will charge you for insurance for Cube coverage.
• Car and home together may be cheaper – The majority of insurers apply better rates to customers who consolidate policies with them in the form of a multi-policy discount. Even if you qualify for this discount already, drivers will still want to compare other insurance prices to make sure you are getting the best deal.

More affordable rates by taking advantage of discounts

The cost of insuring your cars can be expensive, but there are discounts available to reduce the price significantly. Many discounts should be triggered when you purchase, but occassionally some discounts must be asked for before being credited.

• Save with More Vehicles Insured – Purchasing coverage when you have multiple cars or trucks with the same insurance company qualifies for this discount.
• Government Employees – Having worked for a branch of the government may reduce rates when you quote insurance coverage for Cube coverage depending on your company.
• Driver’s Education for Students – It’s a good idea to have your young drivers sucessfully take a drivers education course as it can save substantially.
• Distant College Student Discount – Any of your kids who live away from home at college without a vehicle on campus can receive lower rates.
• Discount for Passive Restraints – Vehicles equipped with air bags or automatic seat belts can qualify for discounts up to 30%.
• Early Renewal Discounts – Some larger companies reward drivers for buying a policy before your current coverage expires. Ten percent is about the average savings.
• Braking Control Discount – Vehicles that have anti-lock braking systems are safer to drive so you can save 10 percent or more.
• Buy New and Save – Insuring a vehicle that is new can cost up to 25% less because newer models keep occupants safer.

A little note about advertised discounts, some credits don’t apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. So when it seems like you can get free auto insurance, it’s just not the way it works.

A list of companies and their offered discounts are:

• State Farm has savings for passive restraint, good student, driver’s education, Steer Clear safe driver discount, safe vehicle, and multiple policy.
• American Family includes discounts for mySafetyValet, bundled insurance, early bird, good student, and good driver.
• AAA offers discounts for education and occupation, multi-policy, good driver, good student, multi-car, and pay-in-full.
• Geico offers discounts including anti-theft, good student, anti-lock brakes, daytime running lights, driver training, and federal employee.
• Mercury Insurance may have discounts that include multi-car, annual mileage, ease of repair, multi-policy, anti-theft, good student, and professional/association.
• Farmers Insurance may offer discounts for homeowner, teen driver, good student, youthful driver, switch companies, and multi-car.
• Progressive discounts include good student, homeowner, online quote discount, online signing, multi-vehicle, and continuous coverage.

If you need lower rates, check with each company which credits you are entitled to. Some discounts may not be offered in every state.

Buyer beware of auto insurance advertising tricks

Consumers can’t ignore all the ads that claim the lowest prices by companies like Allstate, Geico and Progressive. All the companies say the same thing about savings after switching your auto insurance policy to them.

How is it plausible that every one can say the same thing? It’s all in the words they use.

Companies have underwriting criteria for the type of customer that will most likely be profitable. One example of a profitable risk profile should be over the age of 45, owns their home, and drives newer vehicles. A customer who fits that profile will get very good car insurance rates and most likely will save if they switch.

People who fall outside the ideal profile will be quoted a higher rate and this can result in business not being written. The ads state “customers that switch” but not “all drivers who get quotes” save that kind of money. That’s the way insurance companies can make the claims of big savings. This really drives home the point why you absolutely need to get price quotes at each policy renewal. It is just not possible to predict which company will be your best fit.

How much insurance coverage do I need?

When choosing adequate coverage for your personal vehicles, there isn’t really a perfect coverage plan. Each situation is unique so this has to be addressed. For example, these questions could help you determine if you could use an agent’s help.

• Do I need special endorsements for business use of my vehicle?
• Do I need roadside assistance coverage?
• I have health insurance so do I need medical payments coverage?
• When can my company non-renew my policy?
• Am I covered if I hit my neighbor’s mailbox?
• Is my 2011 Nissan Cube covered for flood damage?
• Am I covered when driving a rental car?
• Is my teen driver covered when they drive my company car?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of insurance coverage companies in your area. It is quick, free and you can get the answers you need.

Auto insurance coverages and their meanings

Having a good grasp of your policy can be of help when determining the best coverages for your vehicles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. These are the usual coverages available from auto insurance companies.

Collision – This covers damage to your Cube resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like hitting a parking meter, colliding with another moving vehicle, hitting a mailbox, sustaining damage from a pot hole and sideswiping another vehicle. This coverage can be expensive, so consider removing coverage from older vehicles. You can also choose a higher deductible to get cheaper collision coverage.

Comprehensive (Other than Collision) – Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as hitting a bird, theft, rock chips in glass, damage from a tornado or hurricane and damage from flooding. The most you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Auto liability insurance – This coverage can cover damage or injury you incur to other people or property by causing an accident. It protects you from claims by other people. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 100/300/100 that means you have a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability can pay for things like medical services, funeral expenses, medical expenses, attorney fees and repair costs for stationary objects. How much coverage you buy is up to you, but consider buying higher limits if possible.

Medical expense insurance – Med pay and PIP coverage provide coverage for bills for things like X-ray expenses, ambulance fees, funeral costs, EMT expenses and surgery. They are often utilized in addition to your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants in addition to getting struck while a pedestrian. PIP coverage is not an option in every state and may carry a deductible

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage gives you protection when other motorists 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 only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Better coverage you can count on

When searching for inexpensive insurance coverage quotes, it’s not a good idea to reduce coverage to reduce premium. Too many times, someone dropped collision coverage only to discover later they didn’t have enough coverage. The aim is to find the BEST coverage at the best cost, but do not skimp to save money.

Affordable 2011 Nissan Cube insurance is definitely available from both online companies in addition to many insurance agents, so you need to quote insurance coverage with both so you have a total pricing picture. A few companies do not provide price quotes online and these smaller companies prefer to sell through independent insurance agents.

For more information, feel free to browse these articles:

• How to Avoid Buying a Flooded Car (Insurance Information Insitute)
• What is Gap Insurance? (Insurance Information Insitute)
• Drunk Driving Statistics (Insurance Information Insitute)
• Alcohol Impaired Driving FAQ (iihs.org)
• Rollover Crash FAQ (iihs.org)