2014 Nissan Cube Insurance Quotes

Are you sick and tired of trying to scrape together enough money each month for car insurance? You are no different than the majority of other car owners. Since consumers have many different company options, it can be challenging to find the lowest cost company.

Finding affordable coverage is not that difficult. If you have a policy now or are shopping for new coverage, you can use these tips to find better prices while maintaining coverages. Drivers only need to know the proper way to compare rates on the web.

Take advantage of discounts

Car insurance companies don’t always list every discount in an easy-to-find place, so we researched both the well known and the more hidden savings tricks you should be using. If they aren’t giving you every credit available, you’re just leaving money on the table.

  • Homeowners Savings – Owning a house may trigger a insurance policy discount because maintaining a house requires personal responsibility.
  • Passive Restraint Discount – Vehicles equipped with air bags may earn rate discounts up to 30%.
  • One Accident Forgiven – A handful of insurance companies permit an accident before your rates go up if your claims history is clear for a set time period.
  • Pay Upfront and Save – If you pay your bill all at once instead of paying each month you could save 5% or more.
  • Defensive Driving Course – Taking part in a defensive driving course could cut 5% off your bill depending on where you live.
  • Anti-theft System – Cars that have factory anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
  • Accident Free – Drivers with accident-free driving histories can earn big discounts when compared with drivers who are more careless.

It’s important to understand that some credits don’t apply to the entire cost. Some only reduce individual premiums such as physical damage coverage or medical payments. Just because it seems like you would end up receiving a 100% discount, you won’t be that lucky.

To see a list of insurers with discount insurance rates, follow this link.

Nissan Cube rates are complex

It’s important that you understand the factors that go into determining insurance rates. Having a good understanding of what controls the rates you pay helps enable you to make changes that will entitle you to better insurance rates.

  • Men are more aggressive – Statistics show women are more cautious behind the wheel. However, this does not mean men are WORSE drivers than women. Women and men cause accidents at about the same rate, but the males have costlier accidents. They also receive more costly citations like reckless driving and DUI. Youthful male drivers are several times more likely to be in an accident and are penalized with high insurance rates.
  • Liability coverage is peace of mind – The liability section of your policy is the protection in the event that a court rules you are at fault for damages from an accident. It provides legal defense which can cost thousands of dollars. Liability is cheap compared to insuring for physical damage coverage, so buy as much as you can afford.
  • Higher deductibles cost less – Your deductibles define the amount you are willing to pay before a claim is paid by your company. Physical damage coverage, termed comprehensive and collision coverage on your policy, protects your car from damage. Some examples of claims that would be covered are running into the backend of another car, collision with an animal, and rolling your vehicle. The more money the insured has to pay upfront, the less your company will charge you for insurance for Cube coverage.
  • Where you live – Residing in a small town can save you money when insuring your vehicles. Less people living in that area means fewer accidents. City drivers regularly have traffic congestion and a longer drive to work. Higher commute times means more change of being in an accident.
  • Safe vehicles cost less to insure – Safer cars are cheaper to insure. The safest vehicles protect occupants better and better occupant protection means lower claim amounts and lower rates for you. If the Nissan Cube scored better than four stars on Safercar.gov you are probably receiving a discount.
  • Do you have a high stress job? – Careers like lawyers, social workers and stock brokers tend to pay the highest rates due to high stress and long work days. On the other hand, professions such as scientists, students and the unemployed have the lowest average rates for Cube coverage.

How to know if you need help

When buying adequate coverage for your personal vehicles, there really is no perfect coverage plan. Every situation is different and a cookie cutter policy won’t apply. For example, these questions might point out whether your personal situation could use an agent’s help.

  • Does my medical payments coverage pay my health insurance deductible?
  • Should I buy more coverage than the required minimum liability coverage?
  • Will my insurance pay for OEM parts?
  • Is my nanny covered when driving my vehicle?
  • How can I force my company to pay a claim?
  • Are my friends covered when driving my 2014 Nissan Cube?
  • How do I insure my teen driver?
  • Should I file a claim if it’s only slightly more than my deductible?
  • How does medical payments coverage work?
  • Are rental cars covered under my policy?

If you’re not sure about those questions, then you may want to think about talking to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies. It only takes a few minutes and may give you better protection.

Advertising myths

Consumers can’t ignore all the ads that promise big savings from companies such as State Farm and Allstate. They all say the same thing about savings if you switch your policy.

How can each company claim to save you money? This is how they do it.

All companies can use profiling for the right customer that earns them a profit. An example of a preferred risk might be a mature driver, insures multiple vehicles, and chooses high deductibles. Any driver who fits that profile is entitled to the best price and most likely will pay quite a bit less when switching companies.

Potential insureds who fall outside the requirements will be quoted more money and this can result in business not being written. The ads say “customers that switch” not “everybody who quotes” save that kind of money. That’s why companies can advertise the savings. This emphasizes why it’s extremely important to get as many quotes as possible. It’s just too difficult to predict the company that will give you the biggest savings on Nissan Cube insurance.

Learn about insurance coverages for a Nissan Cube

Understanding the coverages of a insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Listed below are the normal coverages available from insurance companies.

Auto liability insurance

Liability coverage protects you from damage that occurs to other people or property. This insurance protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against things like medical services, funeral expenses, pain and suffering, court costs and attorney fees. How much coverage you buy is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision coverage protection

Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims such as colliding with a tree, driving through your garage door, colliding with another moving vehicle and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to bring the cost down.

Comprehensive insurance

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like fire damage, falling objects and damage from flooding. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses like funeral costs, chiropractic care, ambulance fees and hospital visits. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage gives you protection when other motorists do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Nissan Cube.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Smart consumers save more

Lower-priced 2014 Nissan Cube insurance is available online and with local insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. There are still a few companies who do not offer the ability to get a quote online and these small insurance companies work with independent agents.

We just covered some good ideas how to save on insurance. The most important thing to understand is the more you quote, the better your chances of lowering your rates. Consumers may even find the best price on insurance is with a lesser-known regional company. They can often provide lower rates in certain areas as compared to the big name companies such as Progressive and GEICO.

Additional insurance information is available on the following sites: