2013 Nissan Cube Insurance Rates

Average insurance rates for a 2013 Nissan Cube are $1,144 a year for full coverage insurance. Comprehensive insurance costs an estimated $210 a year, collision insurance costs $316, and liability insurance costs around $460. Buying a liability-only policy costs as low as $510 a year, and high-risk insurance costs $2,466 or more. Teen drivers receive the highest rates at up to $4,480 a year.

Annual premium for full coverage: $1,144

Rate estimates for 2013 Nissan Cube Insurance

Rate data is compiled from all 50 U.S. states and averaged for all 2013 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 targeted area and risk profile, rather than relying on price averages.

Use the form below to get rates for your location.

Want the cheapest car insurance rates for your Nissan Cube? Sick and tired of scraping the payment together each month for car insurance? You are in the same boat as many other drivers.

Many insurers vie to insure your vehicles, so it’s not easy to compare every insurer to find the lowest cost out there.

If you currently have a car insurance policy, you will most likely be able to cut costs considerably using these tips. Finding affordable coverage is not rocket science. Nevertheless, drivers can benefit from knowing how the larger insurance companies price online insurance because it can help you find the best coverage.

How to Compare Insurance Coverage Rates

There are several ways you can shop for Nissan Cube insurance coverage and some are more efficient than others. You can waste a lot of time driving to insurance companies in your area, or you can stay home and use the web to get the quickest rates.

Most of the larger companies participate in an industry program where prospective buyers enter their coverage request one time, and at least one company then returns a price quote based on that data. This saves time by eliminating quote requests to each individual insurance coverage company. To compare 2013 Nissan Cube rates now click here (opens in new window).

The single downside to getting quotes like this is that consumers can’t choose which providers to get quotes from. If you wish to select from a list of companies to compare, we put together a list of the cheapest insurance coverage companies in your area. Click to view list.

It’s up to you how you get prices quotes, just be sure to compare identical coverage limits and deductibles on every quote. If you compare different values for each quote it will be very difficult to make a fair comparison for your Nissan Cube. Slightly different coverages can make a big difference in price. And when price shopping your coverage, comparing more company’s prices gives you a better chance of getting lower pricing.

Companies offer discounts so take them!

Auto insurance companies do not advertise all available discounts very clearly, so the following is a list of some of the more common and also the lesser-known savings tricks you should be using.

• Homeowners Savings – Owning a house may earn you a small savings due to the fact that maintaining a home shows financial diligence.
• Life Insurance – Some companies give a break if you buy a life insurance policy as well.
• Theft Prevention Discount – Vehicles with anti-theft systems are stolen less frequently and earn discounts up to 10%.
• Paperwork-free – A few companies will discount your bill up to fifty bucks for buying a policy and signing up over the internet.
• Student in College – Kids in college who are attending college and do not have a car may be able to be covered for less.
• Use Seat Belts – Buckling up and requiring all passengers to use their safety belts could cut 10% or more on the medical payments or PIP coverage costs.
• 55 and Retired – If you’re over the age of 55, you may qualify for a small decrease in premiums for Cube insurance.
• Lower Rates for Military – Being on active duty in the military can result in better rates.

It’s important to understand that some of the credits will not apply to the entire policy premium. A few only apply to individual premiums such as medical payments or collision. So even though it sounds like all the discounts add up to a free policy, companies wouldn’t make money that way.

To see a list of insurance companies with the best insurance discounts, follow this link.

Do I just need basic coverages?

When choosing coverage for your personal vehicles, there is no cookie cutter policy. Every insured’s situation is different so your insurance needs to address that. For example, these questions might point out if your insurance needs may require specific advice.

• Does my medical payments coverage pay my health insurance deductible?
• Is a new car covered when I drive it off the dealer lot?
• Does my 2013 Nissan Cube need full coverage?
• What is high-risk coverage and where do I buy it?
• What are the financial responsibility laws in my state?
• What can I do if my company denied a claim?
• Do I really need UM/UIM coverage?
• Are rental cars covered under my policy?
• What vehicles should carry emergency assistance coverage?
• When should I drop full coverage on my 2013 Nissan Cube?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area.

Nissan Cube rate determination is complex

An important part of buying insurance is that you know the factors that play a part in calculating the rates you pay for car insurance. Knowing what impacts premium levels enables informed choices that will entitle you to lower car insurance prices.

Shown below are some of the factors car insurance companies consider when setting prices.

• Pleasure use saves money – Driving more miles every year the more you will pay for car insurance. The majority of insurers charge to insure your cars based upon how you use the vehicle. Autos used primarily for pleasure use get more affordable rates than those used for commuting. Having the wrong rating on your Cube may be costing you. Double check that your car insurance coverage shows the proper vehicle usage.
• Do you need the policy add-ons? – There are a ton of add-on coverages that you can get tricked into buying if you aren’t careful. Coverages like personal injury protection, accidental death and additional equipment coverage are examples of these. These coverages may sound good initially, but now you might not need them so get rid of them and save.
• Lower rates come with age – Young drivers are known to be more careless when behind the wheel so they pay higher car insurance rates. Older insureds are viewed as being more responsible, tend to cause fewer accidents and are safer drivers.
• Having a spouse can save you money – Getting married can actually save you money on your policy. It usually means you are more mature and it’s proven that married couples file fewer claims.
• Better crash test results mean better rates – Vehicles with high crash test scores are cheaper to insure. These vehicles have better occupant injury protection and fewer injuries translates into fewer and smaller insurance claims and lower rates for you. If your Nissan earned at least four stars on Safercar.gov you may qualify for a discount.

Car insurance coverage specifics

Learning about specific coverages of a car insurance policy aids in choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. Listed below are the usual coverages found on the average car insurance policy.

Liability car insurance – Liability coverage can cover damage or injury you incur to people or other property in an accident. This coverage protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability coverage protects against claims like repair costs for stationary objects, court costs, bail bonds and medical expenses. How much liability should you purchase? That is your choice, but you should buy as high a limit as you can afford.

Comprehensive protection – Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as vandalism, damage from a tornado or hurricane and falling objects. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Uninsured or underinsured coverage – Your UM/UIM coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Nissan Cube.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Medical expense coverage – Medical payments and Personal Injury Protection insurance pay for immediate expenses like X-ray expenses, prosthetic devices, ambulance fees and pain medications. They are used to fill the gap from your health insurance program or if there is no health insurance coverage. They cover both the driver and occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Collision – Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like crashing into a ditch, colliding with another moving vehicle, damaging your car on a curb, sustaining damage from a pot hole and hitting a parking meter. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Never pay more for less

We just showed you a lot of information how to save on 2013 Nissan Cube insurance. The most important thing to understand is the more you quote, the better your comparison will be. Consumers may even find the biggest savings come from some of the lesser-known companies. Smaller companies often have lower prices on specific markets as compared to the big name companies such as Allstate or State Farm.

Budget-conscious insurance is definitely available from both online companies and with local insurance agents, so compare prices from both to have the best rate selection. Some insurance providers do not offer online quoting and these small, regional companies work with independent agents.

More information is located on the following sites:

• Car Insurance for Teen Drivers with Divorced Parents (Allstate)
• Shopping for a Safe Car (Insurance Information Insitute)
• Drunk Driving Statistics (Insurance Information Insitute)
• Learn About Car Insurance (GEICO)
• How to Avoid Buying a Flooded Car (Insurance Information Insitute)
• Should I Purchase an Umbrella Liability Policy? (Insurance Information Insitute)

Use our FREE quote tool to compare rates now!