Compare 2011 Nissan Cube Insurance Cost

Are you tired of robbing Peter to pay Paul to pay your car insurance bill each month? Your situation is no different than millions of other consumers. Because you have many insurance companies to choose from, it can be impossible to pick the lowest cost provider.

The quickest way to compare policy rates utilizes the fact most of the larger companies provide online access to provide you with a free rate quote. To get started, all you need to do is spend a couple of minutes providing details including if it has an alarm system, if you are currently licensed, how old drivers are, and whether you have decent credit. Those rating factors is instantly sent to all major companies and they return rate quotes with very little delay.

To compare multiple company rates now, click here and find out if lower rates are available.

Don’t miss out on these money-saving discounts

Companies offering auto insurance don’t list every available discount in an easy-to-find place, so we researched some of the more common and the more hidden insurance coverage savings. If they aren’t giving you every credit available, you’re just leaving money on the table.

  • Discounts for Safe Drivers – Drivers who don’t get into accidents can pay as much as 50% less on Cube insurance than their less cautious counterparts.
  • Early Signing – Some companies give discounts for switching policies before your current policy expires. This can save 10% or more.
  • Anti-theft Discount – Vehicles with anti-theft systems help deter theft and will save you 10% or more.
  • Anti-lock Brakes – Vehicles equipped with ABS or steering control prevent accidents and earn discounts up to 10%.
  • Discount for New Cars – Adding a new car to your policy can be considerably cheaper since new cars are generally safer.
  • Auto/Life Discount – Some companies give a break if you buy life insurance from them.

Keep in mind that many deductions do not apply the the whole policy. The majority will only reduce specific coverage prices like liability, collision or medical payments. So even though they make it sound like you can get free auto insurance, companies wouldn’t make money that way.

Companies that may have some of the above discounts include:

It’s a good idea to ask each company which discounts they offer. All car insurance discounts may not apply in your state.

Do I need special coverages?

When it comes to choosing coverage for your vehicles, there isn’t really a “perfect” insurance plan. Every situation is different and your policy should reflect that. These are some specific questions can help discover whether your personal situation could use an agent’s help.

  • Can my teen driver be rated on a liability-only vehicle?
  • When does my teenage driver need to be added to my policy?
  • Do I pay less if my vehicle is kept in my garage?
  • Does my policy pay for OEM or aftermarket parts?
  • Am I covered if I hit my neighbor’s mailbox?
  • Does my insurance cover a custom paint job?
  • When should I buy a commercial auto policy?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can provide invaluable advice.

Insurance policy coverages for a 2011 Nissan Cube

Having a good grasp of your policy can be of help when determining the best coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and coverage can change by endorsement. These are typical coverage types found on the average insurance policy.

Liability auto insurance – This can cover injuries or damage you cause to other people or property by causing an accident. It protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 50/100/50 which stand for a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against claims such as repair bills for other people’s vehicles, pain and suffering, structural damage, repair costs for stationary objects and court costs. How much liability coverage do you need? That is your choice, but consider buying as large an amount as possible.

Comprehensive insurance – Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as hitting a deer, damage from a tornado or hurricane, a tree branch falling on your vehicle, falling objects and hail damage. The maximum amount your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance pay for bills for things like ambulance fees, pain medications, X-ray expenses, doctor visits and hospital visits. They are used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision coverages – This coverage will pay to fix damage to your Cube caused by collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as scraping a guard rail, sustaining damage from a pot hole, crashing into a ditch and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to increase the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist (UM/UIM) – This protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your Nissan Cube.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.