Lower Your 2013 Nissan Cube Insurance Quotes

Did you fall for a flashy sales pitch and buy an underperforming, overpriced car insurance policy? Believe me, you are not the only one feeling buyer’s remorse.

With so many insurance companies to choose from, it can be hard to pick the right company.

What determines your Nissan Cube insurance premium

Smart consumers have a good feel for the different types of things that go into determining your car insurance rates. Understanding what controls the rates you pay allows you to make educated decisions that may reward you with lower car insurance prices.

Listed below are a partial list of the pieces companies use to determine rates.

  • Do you have a high stress job? – Did you know that where you work can have an impact on rates? Occupations such as real estate brokers, social workers and dentists have the highest average rates in part from job stress and lots of time spent at work. Other jobs such as pilots, historians and homemakers get better rates for Cube coverage.
  • Where you live – Residing in a rural area can save you money when buying car insurance. Urban drivers regularly have traffic congestion and much longer commute distances. Less people living in that area means a lower chance of having an accident and a lower car theft rate.
  • Multiple policies with one company can save – The majority of car insurance companies will award you with lower prices to insureds who have multiple policies with them such as combining an auto and homeowners policy. This can amount to ten or even up to twenty percent in some cases. Even with this discount, you still need to comparison shop to ensure the best deal.
  • Liability insurance protects assets – Liability insurance is the coverage that protects you in the event that you are found liable for damages caused by your negligence. It will provide you with a defense in court starting from day one. Liability is cheap compared to physical damage coverage, so do not cut corners here.
  • Safe vehicles cost less to insure – Vehicles with high crash test scores tend to have better insurance rates. Safe vehicles have better occupant injury protection and better occupant protection translates into fewer and smaller insurance claims and lower rates for you. If your Nissan earned at least four stars on Safercar.gov it may be receiving lower rates.
  • Higher deductibles cost less – Physical damage coverage, otherwise known as comp (or other than collision) and collision, protects your Nissan from damage. Examples of covered claims are collision with another vehicle, collision with an animal, and rolling your vehicle. Your deductibles are the amount of money you are required to spend out-of-pocket in the event of a claim. The more expense you’re willing to pay, the less your car insurance will be for Cube coverage.
  • Extra coverages can waste money – There are a lot of add-on coverages that you can get tricked into buying on your Cube policy. Things like roadside assistance, accidental death and motor club memberships may be costing you every month. They may seem like a good idea initially, but if you don’t need them remove them from your policy.
  • Better credit scores mean better rates – Credit score is a big factor in determining what you pay for car insurance. People with good credit tend to be more responsible than drivers with lower credit scores. Therefore, if your credit score is low, you could potentially save money when insuring your 2013 Nissan Cube by spending a little time repairing your credit.

Policy discounts you shouldn’t miss

Insuring your fleet can be pricey, but you can get discounts to help offset the cost. A few discounts will automatically apply when you get a quote, but some must be manually applied before you get the savings.

  • Multi-policy Discount – If you have multiple policies with the same company you may save up to 20% off your total premium.
  • Accident Forgiveness – A handful of insurance companies permit an accident before your rates go up if your claims history is clear prior to the accident.
  • Early Switch Discount – A few companies offer discounts for switching to them prior to your current policy expiration. It’s a savings of about 10%.
  • Payment Discounts – If you pay your entire premium ahead of time instead of making monthly payments you may reduce your total bill.
  • More Vehicles More Savings – Buying coverage for multiple cars or trucks on one policy can get a discount on all vehicles.
  • Seat Belts Save – Buckling up and requiring all passengers to use a seat belt can save up to 15% off your PIP or medical payments premium.
  • Own a Home – Owning a house may earn you a small savings because owning a home is proof that your finances are in order.
  • Anti-theft Discount – Vehicles with anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
  • E-sign – A handful of insurance companies will discount your bill up to fifty bucks just for signing your application digitally online.

Drivers should understand that some credits don’t apply to all coverage premiums. Some only reduce individual premiums such as physical damage coverage or medical payments. So when it seems like adding up those discounts means a free policy, you’re out of luck. Any qualifying discounts will cut your overall premium however.

Car insurance companies that may offer these benefits may include but are not limited to:

Check with every prospective company which discounts you may be entitled to. Some discounts may not apply in your state.

Insurance agents can help

When choosing the right insurance coverage for your vehicles, there is no “perfect” insurance plan. Every insured’s situation is different so this has to be addressed. These are some specific questions might help in determining whether your personal situation would benefit from an agent’s advice.

  • What can I do if my company denied a claim?
  • What is PIP insurance?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Do I need medical payments coverage since I have good health insurance?
  • Where can I find high-risk insurance?
  • Am I covered when driving someone else’s vehicle?
  • Am I covered if I drive in a foreign country?
  • Is a new car covered when I drive it off the dealer lot?
  • Should I get collision insurance on every vehicle?

If you can’t answer 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, simply complete this short form or click here for a list of car insurance companies in your area.

Coverages available on your auto insurance policy

Knowing the specifics of a auto insurance policy helps when choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and coverage can change by endorsement. Shown next are typical coverages offered by auto insurance companies.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Nissan Cube.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Usually the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive auto insurance

This covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as theft, hail damage and vandalism. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Auto liability

This can cover damages or injuries you inflict on people or other property that is your fault. This insurance protects YOU against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Another option is a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for things such as medical expenses, funeral expenses, legal defense fees, emergency aid and bail bonds. How much coverage you buy is up to you, but buy as high a limit as you can afford.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance pay for bills like surgery, hospital visits, doctor visits, pain medications and nursing services. They can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. They cover you and your occupants in addition to any family member struck as a pedestrian. Personal Injury Protection 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 another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as crashing into a building, rolling your car and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Quote often and quote early

We just presented a lot of techniques to save on 2013 Nissan Cube insurance. It’s most important to understand that the more times you quote, the better your chances of lowering your rates. You may even find the best prices are with a lesser-known regional company. Regional companies may only write in your state and offer lower rates compared to the large companies like State Farm or Progressive.

The cheapest insurance can be bought both online and with local insurance agents, so you should be comparing quotes from both to get a complete price analysis. Some insurance providers do not offer online quoting and many times these small insurance companies only sell through independent insurance agents.

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