Compare 2012 Nissan Cube Insurance Quotes

If you’re searching for lower-priced insurance on the web, are you confused by the crazy number of insurance choices available to you? Many other people are too. There are so many choices to choose from that it can easily become a challenge to find a more affordable company.

Save money by getting discounts

Companies that sell car insurance don’t necessarily list the entire discount list very clearly, so the list below details both the well known and the more hidden savings tricks you should be using when you buy auto insurance online.

• Federal Employees – Being employed by or retired from a federal job could cut as much as 10% off for Cube insurance with a few auto insurance companies.
• Good Driver Discounts – Insureds who avoid accidents can pay as much as 50% less for Cube insurance than their less cautious counterparts.
• Resident Student – College-age children who attend college more than 100 miles from home and won’t have access to an insured vehicle can be insured at a reduced rate.
• Discount for Life Insurance – Larger companies have lower prices if you buy auto and life insurance together.
• Seat Belts Save – Requiring all passengers to use a seat belt can save a little off the PIP or medical payment premium.
• Driver Training Discounts – Passing a course teaching driver safety skills could possibly earn you a 5% discount depending on where you live.
• Theft Deterent – Vehicles with anti-theft systems are stolen with less frequency and qualify for as much as a 10% discount.
• Professional Memberships – Joining qualifying employment or professional organizations could trigger savings on your bill.
• Passenger Safety Discount – Factory options such as air bags or automatic seat belts can receive discounts of 20 to 30 percent.
• Homeowners Savings – Simply owning a home can help you save on auto insurance because of the fact that having a home requires a higher level of personal finance.

Remember that most discount credits are not given to the overall cost of the policy. The majority will only reduce specific coverage prices like liability, collision or medical payments. Even though it may seem like adding up those discounts means a free policy, companies wouldn’t make money that way.

Popular auto insurance companies and the discounts they provide can be found below.

• Farmers Insurance policyholders can earn discounts including youthful driver, good student, pay in full, early shopping, homeowner, mature driver, and bundle discounts.
• Esurance offers premium reductions for paid-in-full, multi-car, multi-policy, anti-theft, online shopper, Switch & Save, and good student.
• State Farm offers discounts including good driver, good student, multiple autos, Steer Clear safe driver discount, and passive restraint.
• Geico has discounts for emergency military deployment, multi-policy, membership and employees, multi-vehicle, military active duty, and anti-theft.
• Allstate has savings for economy car, premier plus, premier discount, FullPay discount, auto/life discount, senior citizen, and defensive driver.

If you need lower rates, check with all companies you are considering which discounts you may be entitled to. Some of the earlier mentioned discounts may not be offered in your area.

Your car insurance coverage should be tailored to you

When choosing proper insurance coverage, there really is not a one size fits all plan. Every insured’s situation is different.

For instance, these questions can aid in determining if your insurance needs might need an agent’s assistance.

• Is my 2012 Nissan Cube covered for smoke damage?
• Do I need rental car coverage?
• What can I do if my company won’t pay a claim?
• When should I remove comp and collision on my 2012 Nissan Cube?
• Am I insured when driving a different vehicle?
• Do I need an umbrella policy?
• How much liability coverage do I need in my state?
• At what point should I drop full coverage?
• Are there companies who specialize in insuring high-risk drivers?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed agent. To find an agent in your area, complete this form.

Insurance coverage considerations

Learning about specific coverages of a insurance policy helps when choosing which coverages you need and the correct deductibles and limits. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance provide coverage for bills such as rehabilitation expenses, nursing services and X-ray expenses. They are used to fill the gap from your health insurance program or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Comprehensive auto coverage

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

Comprehensive insurance covers things like hitting a bird, fire damage, damage from flooding, damage from getting keyed and vandalism. The highest amount a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability auto insurance

This protects you from damage or injury you incur to a person or their property by causing an accident. It protects YOU from claims by other people. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/25 that translate to a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for claims such as repair costs for stationary objects, court costs, funeral expenses and loss of income. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as much as you can afford.

Collision insurance

This coverage covers damage to your Cube from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims such as hitting a parking meter, driving through your garage door and scraping a guard rail. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to raise the deductible to bring the cost down.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Nissan Cube.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time the UM/UIM limits are set the same as your liablity limits.

One last thing

We covered quite a bit of information on how to lower your 2012 Nissan Cube insurance car insurance rates. The key concept to understand is the more quotes you get, the better your chances of lowering your premium rates. You may be surprised to find that the biggest savings come from an unexpected company.

As you go through the steps to switch your coverage, do not reduce needed coverages to save money. There have been many cases where someone dropped liability coverage limits and learned later that the small savings ended up costing them much more. The goal is to purchase plenty of coverage at the best cost, but do not sacrifice coverage to save money.

Consumers who switch companies do it for a number of reasons such as policy cancellation, not issuing a premium refund, delays in paying claims and even policy non-renewal. Regardless of your reason for switching companies, finding a great new company is easier than you think.

For more information, feel free to visit the following helpful articles:

• Rental Car Insurance Tips (Insurance Information Insitute)
• Medical Payments Coverage (Liberty Mutual)
• Think You’re a Safe Driver? (State Farm)
• Prepare your Teens for Safe Driving (InsureUonline.org)