Smart shoppers know that auto insurance companies don’t want policyholders to shop around. People who rate shop once a year are likely to switch to a new company because there is a good probability of finding a lower-cost company. Surprisingly, a recent survey revealed that drivers who faithfully checked for cheaper rates saved about $72 a month compared to other drivers who don’t make a habit of comparing rates.
If finding budget-friendly Nissan cube insurance is your ultimate goal, then having some insight into how to choose a company and compare car insurance can make it easier to shop your coverage around.
The best way we recommend to get budget Nissan cube insurance is to compare prices annually from insurers in Stockton. Price quotes can be compared by following these guidelines.
- Step 1: Take a little time to learn about auto insurance and the things you can control to prevent high rates. Many risk factors that increase rates like accidents, traffic tickets, and a negative credit rating can be improved by improving your driving habits or financial responsibility.
- Step 2: Quote rates from direct, independent, and exclusive agents. Direct and exclusive agents can only quote rates from one company like Progressive or Farmers Insurance, while agents who are independent can quote prices from multiple sources. View rates
- Step 3: Compare the price quotes to your existing rates to determine if switching companies saves money. If you can save some money, make sure coverage is continuous and does not lapse.
A good piece of advice is to make sure you enter identical limits and deductibles on every price quote and and to analyze every company you can. This helps ensure a fair rate comparison and a thorough price selection.
Nissan cube insurance rate analysis
The information shown next showcases estimates of insurance policy prices for Nissan cube models. Having a better understanding of how policy premiums are figured can assist in making decisions on the best policy to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Cube 2WD | $232 | $430 | $574 | $34 | $172 | $1,442 | $120 |
| Cube S 2WD | $266 | $430 | $574 | $34 | $172 | $1,476 | $123 |
| Cube SL 2WD | $266 | $524 | $574 | $34 | $172 | $1,570 | $131 |
| Cube Krom 2WD | $300 | $618 | $574 | $34 | $172 | $1,698 | $142 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Premium costs do not factor in your specific Stockton location which can modify price quotes considerably.
Policy deductibles
One common question asked by Stockton drivers is where to set your physical damage deductibles. The figures shown below highlight the costs and benefits when you select higher and lower comp and collision deductibles. The first rate table uses a $250 physical damage deductible and the second set of prices uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Cube 2WD | $298 | $472 | $442 | $26 | $132 | $1,395 | $116 |
| Cube S 2WD | $342 | $472 | $442 | $26 | $132 | $1,439 | $120 |
| Cube SL 2WD | $342 | $576 | $442 | $26 | $132 | $1,543 | $129 |
| Cube Krom 2WD | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Cube 2WD | $242 | $382 | $442 | $26 | $132 | $1,224 | $102 |
| Cube S 2WD | $278 | $382 | $442 | $26 | $132 | $1,260 | $105 |
| Cube SL 2WD | $278 | $464 | $442 | $26 | $132 | $1,342 | $112 |
| Cube Krom 2WD | $314 | $546 | $442 | $26 | $132 | $1,460 | $122 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Rates do not factor in vehicle garaging location which can alter rates substantially.
We can estimate from the data above that using a $250 deductible will cost you approximately $17 more each month or $204 each year across all Nissan cube models than selecting the higher $500 deductible. Because you would pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you normally average at least 15 months between claim filings, you would probably save some money going with the higher deductible.
The chart below demonstrates how deductible levels and can impact Nissan cube insurance premiums for each different age group. The data assumes a married male driver, full coverage, and no discounts are applied to the premium.
Comparison of auto insurance rates by gender
The illustration below illustrates the comparison of Nissan cube auto insurance rates for male and female drivers. Data assumes no tickets, no at-fault accidents, comp and collision included, $250 deductibles, marital status is single, and no additional discounts are factored in.
Why Your Insurance Prices might be higher
When buying auto insurance it’s important to understand some of the things that are used to determine the level of your policy premiums. If you know what influences your rates, this empowers consumers to make smart changes that can earn you lower auto insurance prices. Multiple criteria are taken into consideration when pricing auto insurance. Some are obvious like an MVR report, but others are more obscure such as your marital status or your commute time.
- Marriage can lower rates – Getting married helps lower the price compared to being single. Having a spouse means you’re more financially stable and it’s proven that drivers who are married are more cautious.
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Traffic violations increase prices – Having a single chargeable violation may increase your cost by as much as thirty percent. Good drivers get better rates as compared to those with violations. Drivers with multiple violations such as hit and run, DWI or reckless driving convictions may need to file a SR-22 with their state DMV in order to continue driving.
The diagram below illustrates how speeding tickets and at-fault fender-benders can impact Nissan cube insurance costs for different age categories. The rate quotes are based on a married female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are taken into consideration.
- Lower auto insurance rates with continuous coverage – Not maintaining insurance is not a good idea and your next policy will cost more because you let your coverage cancel without a new policy in place. In addition to paying higher rates, failure to provide proof of insurance can result in a fine, jail time, or a revoked license.
- Do you know you’re credit history? – Having a bad credit rating can be a huge factor in calculating your premium rate. Drivers who have high credit scores tend to be better drivers and file fewer claims than drivers with worse credit. Therefore, if your credit history can use some improvement, you may save money insuring your Nissan cube if you clean up your credit.
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With age comes responsibility – Youthful drivers in California tend to be inattentive when at the wheel of a vehicle so auto insurance rates are higher. Adding a beginning driver to your policy will cause a huge premium hike. More mature drivers are more cautious drivers, tend to file fewer claims, and are safer drivers.
The following data uses these variables: single driver, full coverage with $250 deductibles, and no discounts or violations.
Persistence is the key to affordable rates
Consumers switch companies for a variety of reasons including delays in responding to claim requests, unfair underwriting practices, high prices or even delays in paying claims. No matter why you want to switch, switching insurance companies is pretty simple and you could end up saving a buck or two.
We’ve covered quite a bit of information on how to compare Nissan cube insurance prices in Stockton. It’s most important to understand that the more times you quote, the higher your chance of finding affordable Stockton car insurance quotes. You may even find the best price on insurance is with a lesser-known regional company.
Lower-priced Nissan cube insurance in Stockton can be found on the web as well as from insurance agents, and you should be comparing both to have the best chance of lowering rates. A few companies may not have the ability to get quotes online and usually these smaller providers only sell coverage through independent insurance agencies.
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