Nissan cube Insurance – 10 Discounts Consumers are Losing Out On

Are you sick and tired of being strong-armed to insure your Nissan every month? Your situation is no different than many other consumers. You have so many insurance companies to purchase coverage from, and although it’s nice to have multiple companies, it makes it harder to find the best rates.

It’s a great practice to shop coverage around yearly due to the fact that insurance rates trend upward over time. Even if you think you had the best price on cube coverage on your last policy there is a good chance you can find better rates now. Block out anything you think you know about auto insurance because we’re going to demonstrate the fastest way to reduce your cost while improving coverage.

Where Can I Get Cheap Auto Insurance?

Lowering your Nissan cube auto insurance rates is a fairly straight forward process. You just need to spend a little time comparing rates online from several insurance companies. This can be accomplished using a couple different methods.

1. The first (and easiest) way to compare a lot of rates at once is to use a rate comparison form like this one (opens in new window). This method eliminates the need for separate forms for each company you want a rate for. In just a few minutes this one form will get you rate comparisons .
2. A different way to get quotes online requires visiting each individual company website to complete a price quote. For example, let’s assume you want comparison quotes from Progressive, Allstate and Liberty Mutual. To get rate quotes you would need to go to every website to enter your coverage information, which is why the first method is quicker.

   For a list of links to companies insuring cars in your area, click here.

Which method you use is up to you, but make absolute certain that you use the exact same deductibles and coverage limits on every quote you get. If you compare unequal deductibles or liability limits it’s not possible to truly determine the lowest rate.

These ten discounts can slash auto insurance rates

Companies offering auto insurance don’t list all their discounts in an easy-to-find place, so we took the time to find both the well known as well as the least known discounts you could be receiving. If they aren’t giving you every credit you deserve, you are throwing money away.

• No Charge for an Accident – Some insurance companies permit an accident before raising your premiums so long as you haven’t had any claims for a set time period.
• Military Rewards – Being deployed with a military unit may qualify for rate reductions.
• Multi-policy Discount – If you insure your home and vehicles with the same insurance company you will save 10% to 20% off each policy.
• Club Memberships – Belonging to a civic or occupational organization could trigger savings when shopping for auto insurance on cube coverage.
• Sign Early and Save – Select companies give a discount for buying a policy before your current expiration date. It can save you around 10%.
• Low Mileage – Fewer annual miles on your Nissan could qualify for discounted rates on garaged vehicles.
• E-sign – Certain companies may give you up to $50 for buying a policy and signing up online.
• Theft Prevention System – Vehicles equipped with anti-theft or alarm systems can help prevent theft and therefore earn up to a 10% discount.
• Passive Restraint Discount – Vehicles with factory air bags or automatic seat belts can get savings of 20% or more.
• Defensive Driving Course – Taking a defensive driving course could save 5% or more depending on where you live.

Drivers should understand that most of the big mark downs will not be given to the overall cost of the policy. Most cut individual premiums such as liability, collision or medical payments. So when it seems like adding up those discounts means a free policy, you’re out of luck.

To choose companies with the best auto insurance discounts, click this link.

When might I need the advice of an agent?

When it comes to buying the right insurance coverage for your personal vehicles, there really is not a “perfect” insurance plan. Each situation is unique and a cookie cutter policy won’t apply. For example, these questions might help in determining if you might need an agent’s assistance.

• Do I have coverage when pulling a U-Haul trailer?
• Do I need roadside assistance coverage?
• How many claims can I have before being cancelled?
• Should I rate my Nissan cube as pleasure use or commute?
• Is my cargo covered for damage or theft?
• What is covered by UM/UIM coverage?
• I don’t drive much so do I pay less?
• Will I lose any money if I cancel my policy before it expires?
• Does my medical payments coverage pay my health insurance deductible?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and you can get the answers you need.

Parts of your auto insurance policy

Knowing the specifics of auto insurance can be of help when determining the best coverages for your vehicles. The terms used in a policy can be confusing and nobody wants to actually read their policy. Below you’ll find typical coverages available from auto insurance companies.

Coverage for medical payments

Coverage for medical payments and/or PIP pay for bills such as X-ray expenses, chiropractic care, prosthetic devices and funeral costs. The coverages can be utilized in addition to your health insurance program or if you do not have health coverage. It covers all vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Liability coverages

This can cover damage or injury you incur to people or other property. Liability coverage has three limits: 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 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers claims like court costs, bail bonds and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but consider buying as much as you can afford.

Uninsured and underinsured coverage

Your UM/UIM coverage gives you protection from other drivers when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Nissan cube.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Comprehensive coverages

This pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like hitting a bird, theft, vandalism, a broken windshield and damage from flooding. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision protection

Collision insurance covers damage to your cube from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things like crashing into a building, hitting a mailbox, hitting a parking meter and damaging your car on a curb. Collision is rather expensive coverage, so consider dropping it from older vehicles. You can also choose a higher deductible to bring the cost down.