2011 Nissan Cube Insurance Rates

Average insurance rates for a 2011 Nissan Cube are $1,084 a year for full coverage insurance. Comprehensive insurance costs around $190 a year, collision costs $272, and liability costs around $464. Buying a liability-only policy costs as low as $514 a year, with high-risk insurance costing $2,338 or more. Teenage drivers receive the highest rates at $4,298 a year or more.

Annual premium for full coverage: $1,084

Rate estimates for 2011 Nissan Cube Insurance

Rate data is compiled from all 50 U.S. states and averaged for all 2011 Nissan Cube models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

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These differences illustrate why it is important for drivers to compare prices for a specific zip code and risk profile, instead of using average rates.

Use the form below to get rates for your location.

Searching for the cheapest insurance coverage rates for your Nissan Cube? Finding affordable insurance coverage is always a challenge for consumers new to buying insurance online. You have so many options available that it can quickly become a ton of work to compare prices.

The purpose of this article is to instruct you on the best way to quote coverages and some tips to save money. If you currently have car insurance, you will most likely be able to lower your premiums substantially using this strategy. Nevertheless, vehicle owners must understand the way insurance companies market on the web and use this information to your advantage.

How to Get Insurance

All the larger insurance companies such as State Farm, GEICO and Progressive give insurance quotes on the web. This process is pretty easy as you simply enter your personal and coverage information into the quote form. Behind the scenes, the company’s rating system automatically orders reports for credit and driving violations and returns pricing information.

This helps simplify price comparisons, but the work required to visit each company’s website and repetitively fill out multiple forms is repetitive and time-consuming. But it’s very important to do this if you want to find lower prices.

The smarter way to find lower prices uses one simple form that obtains quotes from several different companies. The form is fast, requires less work, and makes comparison shopping much more enjoyable. Immediately after submitting the form, it is rated and you are able to buy your choice of the quotes that you receive.

If you find a better price you can click and sign and buy the policy. The whole process takes 15 minutes at the most and you will find out if you’re overpaying now.

If you want to compare rates now, click here to open in a new tab and input your coverage information. If you have a policy now, it’s recommended you complete the form with the limits and deductibles just like they are on your policy. Doing this assures you will be getting rate quotes based on the exact same insurance coverage.

Do I need special coverages?

When it comes to buying proper insurance coverage for your personal vehicles, there really is not a “perfect” insurance plan. Every insured’s situation is different.

For example, these questions may help you determine whether you could use an agent’s help.

• When does my teenage driver need to be added to my policy?
• Do I have coverage when using my vehicle for my home business?
• Is a blown tire covered by insurance?
• Are rental cars covered under my policy?
• Are all vehicle passengers covered by medical payments coverage?
• How can I force my company to pay a claim?
• Why am I be forced to buy a membership to get insurance from some companies?

If you’re not sure about those questions then you might want to talk to a licensed agent. If you don’t have a local agent, complete this form.

Insurance coverages explained

Having a good grasp of your insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. Insurance terms can be impossible to understand and coverage can change by endorsement.

Collision insurance

This coverage pays for damage to your Cube caused by collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as sustaining damage from a pot hole, backing into a parked car, scraping a guard rail and driving through your garage door. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. You can also bump up the deductible in order to get cheaper collision rates.

Comprehensive coverage

Comprehensive insurance covers damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as a broken windshield, rock chips in glass, damage from flooding, damage from a tornado or hurricane and hitting a bird. The most your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your Nissan Cube.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Frequently the UM/UIM limits are set the same as your liablity limits.

Liability coverage

This protects you from injuries or damage you cause to other people or property in an accident. It protects you from legal claims by others. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 50/100/50 that means you have $50,000 bodily injury coverage, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for claims such as pain and suffering, loss of income and bail bonds. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for ambulance fees, chiropractic care, hospital visits and prosthetic devices. They are used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants as well as being hit by a car walking across the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Use our FREE quote tool to compare rates now!