2010 Nissan Cube Car Insurance Cost – 6 Policy Discounts

Trying to find cheaper car insurance rates for your Nissan Cube? Nobody I know enjoys paying for car insurance, in particular when the cost is too high. You have so many car insurance companies to purchase coverage from, and even though it’s nice to have a selection, lots of choices makes it harder to find a good deal.

The purpose of this post is to familiarize you with the most effective way to quote insurance. If you are paying for car insurance now, you will most likely be able to lower your premiums substantially using this strategy. Consumers just need to understand how to shop online.

Quick Car Insurance Quotes

Cutting your car insurance rates is surprisingly easy. Just take a couple of minutes to get quotes provided by online insurance companies. This is very easy and can be done in several different ways.

• The best way consumers can make multiple comparisons is a comparison rater form (click to open form in new window). This form keeps you from doing separate forms for each company. One simple form will return price quotes from multiple low-cost companies.
• A slightly less efficient method to shop for car insurance online requires a visit to the website of each company and complete a new quote form. For examples sake, let’s say you want to compare Farmers, Safeco and State Farm. To find out each rate you need to spend time on each company’s site and enter your policy data, which is why most consumers use the first method. To view a list of companies in your area, click here.
• The least recommended way to get comparison rates is to spend your day driving to local insurance agencies. Shopping for car insurance online eliminates the need for an insurance agent unless you want the trained guidance only provided by licensed agents. However, consumers can obtain prices from the web but still have the advice of a local agent and we’ll touch on that later.

Which method you use is up to you, but make sure you use the exact same deductibles and coverage limits with every price quote. If you compare higher or lower deductibles you can’t possibly find the best deal for your Nissan Cube.

When might I need an agent?

When it comes to choosing coverage, there really is no “perfect” insurance plan. Each situation is unique so your insurance needs to address that. Here are some questions about coverages that might point out whether your personal situation would benefit from an agent’s advice.

• Am I covered by my spouse’s policy after a separation?
• Is extra glass coverage worth it?
• Do I have coverage when making deliveries for my home business?
• Does my insurance cover a custom paint job?
• Are split liability limits better than a combined single limit?
• How do I file an SR-22 for a DUI in my state?
• Are my friends covered when driving my 2010 Nissan Cube?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area. It is quick, free and you can get the answers you need.

Coverages available on your policy

Knowing the specifics of insurance can be of help when determining appropriate coverage and proper limits and deductibles. Insurance terms can be confusing and even agents have difficulty translating policy wording. Listed below are typical coverages available from insurance companies.

Uninsured or underinsured coverage – This coverage protects you and your vehicle’s occupants when the “other guys” 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 a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Normally the UM/UIM limits are similar to your liability insurance amounts.

Collision – Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as crashing into a building, scraping a guard rail and hitting a mailbox. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Another option is to raise the deductible to get cheaper collision coverage.

Liability coverage – Liability coverage protects you from injuries or damage you cause to people or other property that is your fault. It protects YOU from claims by 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. As an example, you may have policy limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for claims such as loss of income, attorney fees and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical expense coverage – Medical payments and Personal Injury Protection insurance kick in for bills such as hospital visits, X-ray expenses and funeral costs. They are often utilized in addition to your health insurance program or if you are not covered by health insurance. It covers you and your occupants and will also cover any family member struck as a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Comprehensive protection – This coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as a tree branch falling on your vehicle, damage from a tornado or hurricane, damage from flooding and falling objects. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.