2012 Nissan Cube Insurance Quotes – 10 Tips for Best Rates

Want lower car insurance rates for your Nissan Cube? Did you fall for a flashy sales pitch and buy high-priced car insurance? Believe me when I say there are many people just like you. Numerous insurers battle for your hard-earned dollar, so it can be very hard to choose a provider and uncover the absolute best price available.

If you have a policy now or need a new policy, you can use these techniques to find the best rates and still get good coverage. Buying car insurance is not that difficult. Drivers only need to know the best way to compare rates on the web.

The most recommended method to compare policy rates utilizes the fact most of the bigger providers have advanced systems to provide you with a free rate quote. The one thing you need to do is give them some information such as if you have a valid license, whether you drive to work or school, the make and model of your vehicles, and how much education you have. Those rating factors is instantly submitted to insurance companies and you get price estimates immediately.

These ten discounts can slash insurance rates

The cost of insuring your cars can be expensive, but you may find discounts to reduce the price significantly. Some discounts apply automatically at the time you complete a quote, but less common discounts must be manually applied prior to getting the savings. If you’re not getting every credit possible, you’re paying more than you need to.

  • Seat Belt Usage – Buckling up and requiring all passengers to use their safety belts can save up to 15% off your medical payments premium.
  • Employee of Federal Government – Employees or retirees of the government can earn a discount up to 10% for Cube coverage with select insurance companies.
  • Distant Student – Youth drivers living away from home attending college without a vehicle on campus may be able to be covered for less.
  • Save over 55 – If you qualify as a senior citizen, you can possibly qualify for better insurance rates for Cube coverage.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes can avoid accidents and qualify for as much as a 10% discount.
  • Drive Less and Save – Fewer annual miles on your Nissan could qualify for lower rates on the low mileage vehicles.
  • Discount for Good Grades – Getting good grades can save 20 to 25%. This discount can apply up to age 25.
  • Drivers Ed for Students – Require your teen driver to complete a driver education course in high school.
  • New Car Discount – Buying coverage on a new vehicle can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • Homeowners Savings – Owning a home may earn you a small savings because owning a home is proof that your finances are in order.

Keep in mind that most of the big mark downs will not be given to the entire cost. Most cut the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like all those discounts means the company will pay you, you won’t be that lucky. But all discounts will help reduce the amount you have to pay.

To see a list of companies who offer insurance discounts, click here to view.

When might I need the advice of an agent?

When buying adequate coverage for your vehicles, there really is not a single plan that fits everyone. Coverage needs to be tailored to your specific needs and your policy should reflect that. These are some specific questions may help you determine whether your personal situation will benefit from professional help.

  • Do I have any recourse if my insurance company denies a claim?
  • How do I buy GAP insurance?
  • Do I need higher collision deductibles?
  • Where can I find high-risk insurance?
  • Why do I only qualify for high-risk insurance?
  • Is rental equipment covered for theft or damage?
  • Am I covered when pulling a rental trailer?

If you’re not sure about those questions then you might want to talk to an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies. It is quick, free and can help protect your family.

Don’t listen to company ads

Consumers can’t get away from ads for car insurance savings from companies such as State Farm, Geico and Progressive. All the companies make an identical promise of big savings if you switch your policy.

How does each company make the same claim?

Different companies have a certain “appetite” for the driver that earns them a profit. For instance, a desirable insured could be between 25 and 40, a clean driving record, and drives newer vehicles. A customer getting a price quote who meets those qualifications receives the best rates and is almost guaranteed to save a lot of money.

Potential insureds who don’t qualify for the “perfect” profile will be charged a higher premium which usually ends up with the driver buying from a lower-cost company. The ads say “drivers who switch” not “everyone that quotes” save that kind of money. That’s why insurance companies can confidently advertise the savings.

That is why drivers should get as many quotes as possible. Because you never know the company that will provide you with the cheapest Nissan Cube insurance rates.

Insurance coverage considerations

Understanding the coverages of a insurance policy helps when choosing the best coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Listed below are the normal coverages found on most insurance policies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your 2012 Nissan Cube.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Usually these coverages are similar to your liability insurance amounts.

Collision coverage

This coverage will pay to fix damage to your Cube from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims such as sustaining damage from a pot hole, backing into a parked car, hitting a parking meter and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. It’s also possible to increase the deductible to save money on collision insurance.

Coverage for liability

Liability coverage provides protection from injuries or damage you cause to a person or their property. It protects you from claims by other people, 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. You commonly see policy limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers claims such as structural damage, funeral expenses, court costs and repair bills for other people’s vehicles. The amount of liability coverage you purchase is up to you, but consider buying as high a limit as you can afford.

Medical payments and PIP coverage

Med pay and PIP coverage reimburse you for bills such as funeral costs, hospital visits, rehabilitation expenses and chiropractic care. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Comprehensive auto coverage

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as hitting a deer, hitting a bird, a tree branch falling on your vehicle and rock chips in glass. The maximum payout your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Quote more, save more

Cheaper 2012 Nissan Cube insurance is possible on the web in addition to many insurance agents, and you need to comparison shop both to have the best chance of lowering rates. A few companies do not provide the ability to get a quote online and usually these small, regional companies provide coverage only through local independent agents.

In this article, we presented many ways to shop for insurance online. The most important thing to understand is the more you quote, the higher your chance of finding lower rates. You may even discover the most savings is with a lesser-known regional company. These smaller insurers can often insure niche markets at a lower cost than their larger competitors like Allstate and Progressive.

Additional detailed information can be found at these sites: