2009 Nissan Cube Insurance Cost – 6 Policy Discounts

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Aug 24, 2022

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Consumers have lots of choices when looking for affordable Nissan Cube insurance. You can either spend your time contacting agents to compare prices or save time using the internet to get rate quotes.

There is a better way to find insurance online so you’re going to learn the quickest way to quote coverages for a Nissan and locate the lowest possible price from local insurance agents and online providers.

Compare the Market for Insurance

There are multiple methods to shop for 2009 Nissan Cube insurance, but one way is less time-consuming than others. You can waste a few hours (or days) discussing policy coverages with agents in your area, or you could save time and use online quoting to get rate comparisons in just a few minutes.

The majority of car insurance companies participate in a marketplace where insurance shoppers complete one form, and each participating company returns a rated price for coverage. This saves time by eliminating quote requests to each company.

To find out how much you can save on insurance click here to start a free quote.

The only drawback to pricing coverage this way is that consumers can’t choose which providers you want to price. So if you want to select specific providers to compare prices, we have a page of low cost insurance companies in your area. Click to view list.

However you get your quotes, make absolute certain that you use apples-to-apples coverage limits and deductibles for every quote you compare. If the quotes have different deductibles you will not be able to decipher which rate is best.

Save big with these six discounts

Properly insuring your vehicles can get expensive, but companies offer discounts that can drop the cost substantially. Most are applied at the time you complete a quote, but a few must be inquired about prior to receiving the credit. If you’re not getting every credit possible, you’re paying more than you need to.

  • Federal Employees – Simply working for the federal government can earn a discount up to 10% on Cube coverage with a few car insurance companies.
  • Homeowners Pay Less – Simply owning a home may earn you a small savings because maintaining a house shows financial diligence.
  • Air Bag Discount – Factory air bags or automatic seat belts may earn rate discounts of 20% or more.
  • Safe Driver Discount – Safe drivers can pay as much as 50% less on Cube coverage than their less cautious counterparts.
  • Accident Forgiveness – A handful of insurance companies permit an accident before hitting you with a surcharge so long as you haven’t had any claims for a particular time prior to the accident.
  • Early Switch Discount – A few companies offer discounts for buying a policy before your current policy expires. It’s a savings of about 10%.

A little note about advertised discounts, most of the big mark downs will not be given to all coverage premiums. Some only apply to individual premiums such as physical damage coverage or medical payments. So despite the fact that it appears you could get a free car insurance policy, car insurance companies aren’t that generous. But all discounts will cut your overall premium however.

Car insurance companies that may offer some of the above discounts include:

It’s a good idea to ask all companies you are considering which discounts they offer. Discounts might not be offered in your area.

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But I don’t know anything about car insurance

When it comes to buying proper insurance coverage for your vehicles, there isn’t really a perfect coverage plan. Every situation is different.

These are some specific questions could help you determine whether you might need an agent’s assistance.

  • Does my medical payments coverage pay my health insurance deductible?
  • What should my uninsured motorist coverage limits be in my state?
  • Can I still get insurance after a DUI?
  • How much liability insurance is required?
  • Do I have coverage when making deliveries for my home business?
  • Does my insurance cover a custom paint job?
  • Do I have newly-aquired coverage?
  • Why do I only qualify for high-risk insurance?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with an agent. If you want to speak to an agent in your area, complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Auto insurance coverage information

Learning about specific coverages of a car insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Auto liability insurance – Liability coverage will cover injuries or damage you cause to other people or property. It protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 100/300/100 which stand for a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for claims such as court costs, emergency aid, attorney fees, pain and suffering and legal defense fees. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage provides protection from other drivers when they 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 many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Normally these limits are similar to your liability insurance amounts.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills like nursing services, doctor visits, X-ray expenses, hospital visits and chiropractic care. The coverages can be used to fill the gap from your health insurance program or if there is no health insurance coverage. They cover all vehicle occupants in addition to being hit by a car walking across the street. PIP is only offered in select states but can be used in place of medical payments coverage

Collision – This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as rolling your car, backing into a parked car and colliding with a tree. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also choose a higher deductible in order to get cheaper collision rates.

Comprehensive insurance – 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 coverage pays for claims like falling objects, theft, hail damage, a tree branch falling on your vehicle and damage from a tornado or hurricane. The most a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Final considerations

As you prepare to switch companies, it’s not a good idea to skimp on critical coverages to save a buck or two. There are too many instances where an insured dropped liability coverage limits only to discover later that the savings was not a smart move. The aim is to purchase a proper amount of coverage at an affordable rate.

We just showed you many ideas to get a better price on 2009 Nissan Cube insurance. The key thing to remember is the more rate quotes you have, the better chance you’ll have of finding lower rates. You may even discover the lowest priced insurance coverage comes from a small mutual company.

Cheap insurance can be bought from both online companies and also from your neighborhood agents, so you should compare both to have the best chance of lowering rates. A few companies may not provide the ability to get a quote online and usually these small, regional companies provide coverage only through local independent agents.

More tips and info about insurance coverage is available in these articles:

Use our FREE quote tool to compare rates now!

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Enter your zip code below to view companies that have cheap auto insurance rates.

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