2014 Nissan Cube Car Insurance Cost – 9 Tips for Best Prices

Want better car insurance rates? Drivers have options when trying to find the lowest priced Nissan Cube insurance. They can either waste time calling around trying to get quotes or leverage the internet to get rate quotes.

There are more efficient ways to shop for car insurance and you need to know the proper way to get price quotes for a Nissan and get the best price possible from both online companies and local agents.

Take advantage of every auto insurance discount

Companies that sell car insurance don’t always list all disounts very well, so the following is a list of both well-publicized as well as some of the hidden credits available to lower your premiums when you buy insurance online.

  • Good Grades Discount – Performing well in school can be rewarded with saving of up to 25%. Earning this discount can benefit you until age 25.
  • Club Memberships – Being a member of specific professional or occupational memberships or organizations is a good way to get lower rates on auto insurance.
  • Renewal Discounts – A few larger companies give discounts for renewing your policy early. It could save around 10% when you buy insurance online.
  • No Accidents – Insureds who avoid accidents and claims can earn big discounts when compared with frequent claim filers.
  • Resident Student – College-age children who are attending college and leave their car at home may be insured at a cheaper rate.
  • ABS and Traction Control Discounts – Cars with ABS and/or traction control prevent accidents so you can save 10 percent or more.
  • Federal Employees – Active or retired federal employment can earn a discount up to 10% on Cube insurance with select insurance companies.
  • New Car Discount – Buying insurance on a new vehicle is cheaper since newer vehicles are generally safer.
  • Safety Course Discount – Taking a driver safety course may get you a small discount and easily recoup the cost of the course.

While discounts sound great, it’s important to understand that some credits don’t apply to your bottom line cost. A few only apply to specific coverage prices like liability and collision coverage. So even though they make it sound like it’s possible to get free car insurance, it just doesn’t work that way.

A partial list of companies that may include these money-saving discounts are:

If you need inexpensive insurance quotes, ask all companies you are considering what discounts are available to you. Savings may not apply to policies in your area. To find providers with the best discounts, follow this link.

How to know if you need help

When it comes to buying the right insurance coverage, there isn’t really a cookie cutter policy. Each situation is unique.

Here are some questions about coverages that might help in determining whether you would benefit from professional advice.

  • What is the difference between comprehensive and collision coverage?
  • What is the rate difference between pleasure use and commuting?
  • Why does it cost so much to insure a teen driver?
  • Am I getting all the discounts available?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • How much liability do I need to cover my assets?
  • How does medical payments coverage work?
  • Is my state a no-fault state?

If you’re not sure about those questions but a few of them apply, you might consider talking to an agent. To find an agent in your area, complete this form. It only takes a few minutes and can help protect your family.

Auto insurance coverage options for a 2014 Nissan Cube

Understanding the coverages of a auto insurance policy can help you determine the right coverages for your vehicles. Policy terminology can be ambiguous and nobody wants to actually read their policy.

Uninsured or underinsured coverage

This coverage gives you protection when other motorists do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time these limits are similar to your liability insurance amounts.

Collision coverage protection

This pays for damage to your Cube caused by collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like sideswiping another vehicle, crashing into a ditch, colliding with a tree, scraping a guard rail and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. You can also increase the deductible to bring the cost down.

Comprehensive protection

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

Comprehensive coverage protects against things like damage from getting keyed, fire damage, vandalism, hitting a bird and a tree branch falling on your vehicle. The maximum payout your auto insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical expense coverage

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses like prosthetic devices, X-ray expenses, EMT expenses, dental work and doctor visits. The coverages can be used to fill the gap from your health insurance program or if you are not covered by health insurance. Coverage applies to all vehicle occupants and also covers being hit by a car walking across the street. PIP is not available in all states and may carry a deductible

Liability coverage

This will cover damages or injuries you inflict on people or other property that is your fault. This coverage protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 25/50/25 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Some companies may use a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability can pay for claims like court costs, pain and suffering and loss of income. The amount of liability coverage you purchase is your choice, but consider buying as much as you can afford.

Smart shoppers get results

We just covered a lot of techniques to compare 2014 Nissan Cube insurance prices online. It’s most important to understand that the more rate comparisons you have, the better likelihood of getting cheaper insurance. You may even discover the best prices are with a company that doesn’t do a lot of advertising.

As you prepare to switch companies, don’t be tempted to reduce coverage to reduce premium. There are many occasions where someone dropped liability coverage limits to discover at claim time that it was a big mistake. The proper strategy is to purchase a proper amount of coverage at the lowest possible cost, but do not sacrifice coverage to save money.

Insureds who switch companies do it for a variety of reasons including questionable increases in premium, policy non-renewal, delays in responding to claim requests or even denial of a claim. Regardless of your reason for switching companies, choosing a new insurance company is pretty easy and you might even save some money in the process.

Additional information is located below:

Comments About 2014 Nissan Cube Insurance

  1. Camilla Key

    Hope my rates come down. From west side of Columbus, OH. Can’t remember who all I quoted but I ended up saving about $30 each month. I increased coverages a little too. LOL

  2. Armandina Boone

    From a town just southwest of Providence, RI. Quoted with State Farm, Amica, and Farmers for my Cube and I’m now saving $57 a month. Have a couple speeding tickets too. It was easy to get rates.

  3. Carola Leblanc

    I’m in South Burlington, VT. Received prices from State Farm, AIG Insurance, and some I forget for my Cube and I’m now saving $46 a month.

  4. Brunilda Joseph

    Affordable car insurance is a myth. I live just outside Des Moines, Iowa. Checked online prices for a 2014 Nissan Cube. Ended up at about $320 savings annually. Went with GEICO.

  5. Brandie Terrell

    Corporate greed I’m telling you. From south side of Chesapeake, VA. Checked online prices for a 2014 Nissan Cube. Ended up at about $410 savings annually. Went with 21st Century. Insured with American Family before. I recommend comparing lots of rates.

  6. Jaclyn Davenport

    If you have a good history and live in the vicinity of Rapid City, SD, check out Progressive. They seem to be cheaper. They were helpful in switching over.

  7. Alessandra Dorsey

    Cheap car insurance? What’s that? I live in a small town just outside of Baltimore, MD. Quoted with 21st Century, Esurance, and Hartford for my 2014 Nissan Cube and saved just over $110 a year. I get lower rates because of my clean driving record. Bought it from an online quote.

  8. Donn Alston

    All companies are crooks. Live in Albuquerque, NM. Received rates from Hartford, AAA, Safeco, and a couple others for my Cube and I’m now saving $27 a month.

  9. Vinnie Perez

    If you have a good history and live near Tacoma, WA, check out Progressive. They seem to be cheaper. Insured with Mercury before. I’m a pretty low risk driver.

  10. Lou Estrada

    Great site. From Green Bay, WI. Can’t remember who all I quoted but I ended up saving about $40 each month. It’s still not cheap enough.