2013 Nissan Cube Car Insurance Rates – 7 Ideas for Cheapest Quotes

Finding low-cost insurance for your Nissan Cube can be an all-consuming task, but you can use our insurance coverage buying tips to save time. There is a better way to shop for insurance coverage and we’ll show you the absolute fastest way to compare rates for your Nissan and find the lowest possible price from local insurance agents and online providers.

It’s a good habit to compare rates at least once a year since insurance prices are rarely the same from one policy term to another. Even if you got the best quotes for Cube coverage at your last renewal there may be better deals available now. Block out anything you think you know about insurance coverage because I’m going to let you in on the secrets to the tricks you need to know to eliminate unnecessary coverages and save money.

Auto insurance policy discounts you can’t miss

Car insurance can cost a lot, but there are discounts available to help offset the cost. Many of these discounts will be applied automatically at the time of purchase, but once in a while a discount must be specifically requested before being credited.

• Air Bag Discount – Cars that have air bags or automatic seat belts can qualify for discounts of 25 to 30%.
• Telematics Devices – Policyholders that allow driving data collection to look at driving patterns by using a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system could see a rate decrease if they show good driving skills.
• Anti-lock Brakes – Cars with ABS braking systems or traction control can avoid accidents and therefore earn up to a 10% discount.
• Employee of Federal Government – Employees or retirees of the government could provide a small rate reduction for Cube coverage with some auto insurance companies.
• Bundled Policy Discount – If you combine your home and auto policies with the same insurance company you will save up to 20% and get you inexpensive auto insurance.
• Good Grades Discount – A discount for being a good student can get you a discount of up to 25%. The discount lasts up to age 25.
• Life Insurance Discount – If the company offers life insurance, you could get a discounted premium rate on car insurance if you buy some life insurance too.

As a sidenote, most discount credits are not given to all coverage premiums. Some only reduce specific coverage prices like medical payments or collision. So despite the fact that it appears all the discounts add up to a free policy, nobody gets a free ride.

Large auto insurance companies and a summarized list of policyholder discounts are:

• State Farm has savings for Drive Safe & Save, defensive driving training, anti-theft, accident-free, and driver’s education.
• Progressive offers premium reductions for online signing, continuous coverage, homeowner, online quote discount, multi-policy, good student, and multi-vehicle.
• Progressive may have discounts that include good student, multi-policy, multi-vehicle, continuous coverage, online signing, homeowner, and online quote discount.
• MetLife offers discounts including claim-free, multi-policy, accident-free, defensive driver, good student, good driver
• Farm Bureau has discounts for good student, driver training, safe driver, 55 and retired, and multi-policy.
• Geico offers discounts for air bags, emergency military deployment, daytime running lights, driver training, military active duty, five-year accident-free, and multi-vehicle.
• SAFECO policyholders can earn discounts including anti-theft, drive less, safe driver, accident prevention training, and teen safe driver.

Before buying, ask all companies you are considering which discounts you may be entitled to. Some of the discounts discussed earlier may not be offered in your area. To find companies that can offer you the previously mentioned discounts, click this link.

Compare auto insurance price quotes

Finding a lower price on 2013 Nissan Cube insurance is a great way to save money. Drivers just need to take a few minutes comparing rate quotes from different insurance companies. Insurance prices can be quoted in a couple of different ways.

1. The single most time-saving way to get quotes for comparison is a comparison rater form (click to open form in new window). This method prevents you from having to do a different quote for each company you want a rate for. Completing one form gets coverage cost estimates from multiple companies.It’s the quickest way to get rates.
2. A harder way to analyze rates consists of visiting each company’s website and fill out their own quote form. For examples sake, we’ll assume you want to compare Farmers, Geico and Allstate. You would need to go to every website to input your insurance information, which is why the first method is quicker.

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

You can use whichever method you prefer to find lower rates, just make sure you use exactly the same coverage limits and deductibles on every quote. If the quotes have different deductibles then you won’t be able to determine the best price for your Nissan Cube.

Insurance agents can help

When buying coverage for your vehicles, there is no perfect coverage plan. Your needs are not the same as everyone else’s.

These are some specific questions might point out if your situation would benefit from an agent’s advice.

• Why is insurance for a teen driver so high?
• Does coverage extend to my business vehicle?
• Do I need special endorsements for business use of my vehicle?
• Do I need motorclub coverage?
• Do I need replacement cost coverage?
• Can I pay claims out-of-pocket if I buy high deductibles?

If you don’t know the answers to these questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form. It only takes a few minutes and can help protect your family.

Educate yourself about insurance coverages

Having a good grasp of your insurance policy can help you determine appropriate coverage and the correct deductibles and limits. Insurance terms can be confusing and even agents have difficulty translating policy wording.

Comprehensive coverages

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like hail damage, a broken windshield, vandalism and damage from flooding. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Collision insurance

Collision insurance covers damage to your Cube resulting from a collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like colliding with a tree, hitting a parking meter, sideswiping another vehicle, crashing into a building and colliding with another moving vehicle. This coverage can be expensive, so consider removing coverage from vehicles that are older. You can also increase the deductible to bring the cost down.

Liability coverage

This will cover damage or injury you incur to people or other property. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 25/50/25 which means a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against things such as structural damage, repair bills for other people’s vehicles, pain and suffering and attorney fees. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like surgery, hospital visits, pain medications, rehabilitation expenses and funeral costs. They are often used to fill the gap from your health insurance plan or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Uninsured and underinsured coverage

Your UM/UIM coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Don’t break the bank

We just presented many ideas to shop for 2013 Nissan Cube insurance online. The key thing to remember is the more times you quote, the better your comparison will be. Consumers could even find that the most savings is with a lesser-known regional company.

Drivers switch companies for a number of reasons such as not issuing a premium refund, lack of trust in their agent, poor customer service and even policy cancellation. No matter why you want to switch, choosing a new insurance company is easier than you think.

As you prepare to switch companies, never reduce needed coverages to save money. There are too many instances where an accident victim reduced comprehensive coverage or liability limits only to regret that saving that couple of dollars actually costed them tens of thousands. The goal is to purchase plenty of coverage at the best price while still protecting your assets.

Much more information about insurance is available below:

• Anti-Lock Brake FAQ (iihs.org)
• Smart Auto Insurance Tips (Insurance Information Insitute)
• Prom Night Tips for Teen Drivers (State Farm)
• Speed and Speed Limit FAQ (iihs.org)
• Get the Right Protection (InsureUonline.org)
• Preventing Carjacking and Theft (Insurance Information Insitute)