Compare 2014 Nissan Cube Insurance Quotes in 2024

Finding low cost premium rates for auto insurance can be challenging for people who are beginners to comparing prices online. With so many insurers to choose from, it can quickly become more work than you anticipated to locate the lowest price.

You should make it a habit to do price comparisons every six months since prices are adjusted regularly by insurance companies. Just because you had the lowest price for Cube coverage last year you may be paying too much now. There is a lot of bad information regarding auto insurance online, but I’m going to show you some solid techniques on how to find cheap auto insurance.

You can change your insurance costs

The best way to find cheaper car insurance is to take a look at some of the things that help determine car insurance rates. If you know what determines premiums, this allows you to make good choices that could result in lower rates. Many different elements are used when you quote your car insurance policy. Most are fairly basic such as your driving record, but others are not as apparent such as whether you are married or how financially stable you are.

• Keep policy claims to a minimum – If you tend to file frequent claims, you shouldn’t be surprised to get much higher rates or policy non-renewal. Companies generally give the best rates to policyholders that do not abuse their auto insurance. Your car insurance is intended to be relied upon for major claims that would cause financial hardship.
• Battle of the sexes – Statistics have proven that women are safer drivers than men. The data does not necessarily mean that women are better drivers. They both are in accidents in similar numbers, but the male of the species have accidents that have higher claims. In addition to higher claims, males also receive more costly citations like driving under the influence (DUI).
• How much liability coverage – Liability coverage is the protection if ever you are found liable for an accident. Your liability coverage provides legal defense up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap compared to comp and collision, so do not skimp.
• Traffic violations can be expensive – Careful drivers receive lower rates compared to drivers with tickets. Only having one speeding ticket or other violation may increase your cost to the point where it’s not affordable. Drivers unfortunate enough to have multiple tickets like hit and run, DWI or reckless driving convictions may find that they have to to maintain a SR-22 with their state’s department of motor vehicles in order to legally drive.
• Never let your coverage expire – Driving with no insurance can get your license suspended and you will pay a penalty because you let your insurance lapse for non-payment. Not only will rates go up, the inability to provide proof of insurance might get you fines and jail time.
• Five star crash test rating saves money – Cars with five star safety ratings get lower rates. These vehicles reduce occupant injuries and fewer injuries means less claims paid and thus lower rates. If your Nissan scored better than four stars on Safercar.gov or an “acceptable” rating on iihs.org you may pay a lower rate.

Take advantage of every car insurance discount

The cost of insuring your cars can be expensive, but there’s a good chance there are discounts that many consumers don’t even know exist. Some discounts apply automatically when you purchase, but some discounts are required to be requested specifically before you get the savings. If you don’t get every credit you qualify for, you are paying more than you should be.

• Claim Free – Drivers who don’t have accidents are rewarded with significantly better rates on insurance quote as compared to bad drivers.
• Multiple Cars – Insuring multiple cars or trucks on one policy qualifies for this discount.
• Seat Belt Usage – Drivers who require all vehicle occupants to wear their seat belts may be able to save a few bucks on the premium charged for medical payments and/or PIP.
• Paper-free Discount – A few larger online companies give back up to $50 for buying your policy on the internet.
• Good Students Pay Less – A discount for being a good student can earn a discount of 20% or more. The discount lasts until age 25.

Don’t be surprised that some of the credits will not apply to all coverage premiums. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. So even though you would think you could get a free car insurance policy, insurance companies wouldn’t stay in business.

To choose car insurance companies who offer online car insurance quotes, enter your zip code here.

Are insurance coverage companies telling the truth?

Respected companies like Allstate, GEICO and Progressive constantly bombard you with ads on TV and radio. They all seem to try to convey promises about savings if you move to them. How is it plausible that every one can claim to save you money? It’s all in the numbers.

Insurance coverage companies look for specific characteristics for the type of driver that earns them the most money. For example, a profitable insured might be described as a female over age 40, has a clean driving record, and has a high credit rating. Anyone that meets those criteria will get low premium rates and will most likely save when switching.

People who may not quite match the ideal profile may be forced to pay higher prices and this results in the customer buying from someone else. The wording the ads use say “people who switch” not “everyone who quotes” save the amount stated. That is how insurance companies can confidently claim big savings.

This really emphasizes why you really should get a wide range of price quotes. It’s just too difficult to predict with any certainty which company will fit your personal profile best.

How to know if you need help

When buying coverage, there is no perfect coverage plan. Each situation is unique.

For instance, these questions might point out whether your personal situation might need professional guidance.

• What are the best liability limits?
• What if I total my 2014 Nissan Cube and owe more than it’s worth?
• Is rental equipment covered for theft or damage?
• Does insurance cover damages from a DUI accident?
• Am I covered if I crash into my own garage door?
• Are my friends covered when driving my 2014 Nissan Cube?
• Does my policy pay for OEM or aftermarket parts?
• What is the rate difference between pleasure use and commuting?

If you don’t know the answers to these questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, take a second and enter your zip code.

What insurance coverages do you need?

Knowing the specifics of your policy helps when choosing which coverages you need and the correct deductibles and limits. Insurance terms can be impossible to understand and coverage can change by endorsement.

Auto liability

This coverage protects you from injuries or damage you cause to other people or property by causing an accident. This insurance protects YOU against other people’s claims, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged property. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers things like medical expenses, repair costs for stationary objects and loss of income. The amount of liability coverage you purchase is a personal decision, but you should buy higher limits if possible.

Medical payments and PIP coverage

Med pay and PIP coverage reimburse you for short-term medical expenses like X-ray expenses, rehabilitation expenses and doctor visits. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants as well as any family member struck as a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive auto coverage

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as damage from flooding, hail damage and falling objects. The most your 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.

Collision protection

This coverage will pay to fix damage to your Cube resulting from a collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like driving through your garage door, sideswiping another vehicle, hitting a parking meter and crashing into a building. This coverage can be expensive, so consider removing coverage from vehicles that are older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family and damage to your Nissan Cube.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently the UM/UIM limits are set the same as your liability limits.

The best insurance company isn’t always the cheapest

People change insurance companies for any number of reasons including policy cancellation, delays in paying claims, extreme rates for teen drivers or being labeled a high risk driver. No matter why you want to switch, choosing a new insurance company is pretty simple and you could end up saving a buck or two.

As you go through the steps to switch your coverage, it’s a bad idea to skimp on critical coverages to save a buck or two. In many cases, drivers have reduced comprehensive coverage or liability limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your objective should be to get the best coverage possible at the best price but still have enough coverage for asset protection.

More affordable auto insurance is attainable both online and with local insurance agents, and you should compare rates from both in order to have the best price selection to choose from. Some auto insurance companies may not offer online price quotes and these regional insurance providers provide coverage only through independent agencies.