Paying for overpriced Nissan cube insurance in Jacksonville can sap your funds, especially in this economy.
It’s an obvious conclusion that insurance companies want to keep you from comparing rates. Insureds who shop around for the cheapest rate are inclined to buy a new policy because there are good odds of finding a policy with better rates. A survey found that drivers who compared prices once a year saved over $3,400 over four years compared to people who never shopped for cheaper rates.
If saving money on car insurance is your ultimate objective, then having some knowledge of how to choose a company and compare car insurance can make it easier to shop your coverage around.
How to buy lower priced Nissan cube insurance in Jacksonville
It takes a few minutes, but the best way to find cheaper prices for auto insurance rates in Jacksonville is to start comparing rates regularly from companies who can sell car insurance in Florida. Rate comparisons can be done by following these guidelines.
- Get a basic knowledge of what is in your policy and the steps you can take to keep rates in check. Many factors that are responsible for high rates like at-fault accidents, speeding tickets, and a not-so-good credit rating can be improved by improving your driving habits or financial responsibility.
- Quote rates from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only give prices from a single company like GEICO or Allstate, while independent agents can provide prices for a wide range of insurance providers. View companies
- Compare the new quotes to the premium of your current policy to determine if you can save on cube insurance in Jacksonville. If you can save money and switch companies, make sure there is no lapse between the expiration of your current policy and the new one.
- Provide proper notification to your current company of your intent to cancel your current auto insurance policy and submit a signed application and payment to the new insurer. Make sure you safely store the proof of insurance certificate in your vehicle’s glove compartment or console.
An important note is to make sure you’re comparing the same level of coverage on each quote request and and to get rates from as many car insurance companies as possible. This helps ensure a fair price comparison and a better comparison of the market.
Drivers have so many auto insurance companies to pick from, and though it is a good thing to have a choice, it can be more difficult to compare rates and cut insurance costs.
Finding and comparing the most affordable protection in Jacksonville is actually quite simple. Nearly every vehicle owner who compares rates for auto insurance stands a good chance to get better rates. Nevertheless, Florida car owners do need to understand how the larger insurance companies determine how much to charge and use it to your advantage.
To find more affordable rates, there are a couple of ways to obtain and compare prices from local Jacksonville auto insurance companies. The fastest way to find the cheapest Nissan cube insurance rates is to get quotes online.
Getting rates online is very simple and it replaces the need to spend time driving to different Jacksonville agent offices. The ability to get quotes online eliminates the need for an insurance agent unless you have a need for the professional guidance that only an agent can give. Some companies do allow you to comparison shop your insurance online but have a local agent actually write the policy.
When price shopping your coverage, having more price comparisons will improve the odds of getting a better price. Some smaller insurers do not give online price quotes, so it’s important to compare quotes from them as well.
The following companies offer quotes in Jacksonville, FL. If the list has multiple companies, we recommend you visit as many as you can to get the most competitive price.
Insuring your cube just makes sense
Despite the fact that auto insurance is not cheap in Jacksonville, buying auto insurance may be required and benefits you in several ways.
- Almost all states have minimum liability requirements which means state laws require a specific minimum amount of liability coverage in order to drive the car legally. In Florida these limits are 10/20/10 which means you must have $10,000 of bodily injury coverage per person, $20,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If your Nissan has a lienholder, more than likely the lender will require that you buy insurance to guarantee their interest in the vehicle. If coverage lapses or is canceled, the bank may insure your Nissan at a much higher premium rate and require you to reimburse them for the much more expensive policy.
- Auto insurance preserves both your Nissan cube and your personal assets. It will also reimburse you for medical bills for both you and anyone you injure as the result of an accident. One of the most valuable coverages, liability insurance, will also pay for a defense attorney if you cause an accident and are sued. If your vehicle suffers damage from an accident or hail, your auto insurance policy will pay to repair the damage.
The benefits of insuring your car definitely exceed the price paid, especially if you ever need it. Unknowingly, the average driver is overpaying more than $865 each year so it’s important to compare rates at every renewal to ensure rates are inline.
Rate information and statistics
The premium table displayed next covers a range of insurance coverage prices for Nissan cube models. Having a good understanding how policy premiums are calculated can aid in making smart choices when selecting a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Cube 2WD | $196 | $352 | $438 | $26 | $132 | $1,144 | $95 |
| Cube S 2WD | $226 | $352 | $438 | $26 | $132 | $1,174 | $98 |
| Cube SL 2WD | $226 | $430 | $438 | $26 | $132 | $1,252 | $104 |
| Cube Krom 2WD | $254 | $506 | $438 | $26 | $132 | $1,356 | $113 |
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Price data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Price information does not factor in vehicle garaging location which can decrease or increase coverage prices greatly.
The illustration below demonstrates how deductibles and can increase or decrease Nissan cube insurance costs for different age groups of insureds. The data assumes a married female driver, comprehensive and collision coverage, and no discounts are taken into consideration.
Rate increases following a ticket or accident
The illustration below illustrates how violations and at-fault accidents can affect Nissan cube yearly insurance costs for different age groups. The premium estimates are based on a single female driver, comp and collision included, $500 deductibles, and no policy discounts are applied.
Full coverage rates vs. liability-only
The illustration below illustrates the comparison of Nissan cube car insurance rates when comparing full coverage to liability only. The rate quotes are based on no violations or claims, $100 deductibles, drivers are not married, and no discounts are taken into consideration.
Are you wasting money paying for full coverage?
There is no exact rule to drop comprehensive and collision coverage on your policy, but there is a guideline you can use. If the yearly cost of comp and collision coverage is 10% or more of any settlement you would receive from your insurance company, the it may be a good time to stop paying for full coverage.
For example, let’s pretend your Nissan cube claim settlement value is $5,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, you would only receive $4,000 after the policy deductible has been paid. If you are paying in excess of $400 annually to have full coverage, then you may want to consider only buying liability coverage.
There are some circumstances where dropping full coverage is not advised. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should keep full coverage.
Save money with these discounts on Nissan cube insurance in Jacksonville
Insurance is not cheap nor is it fun to buy but you might find some hidden discounts that can dramatically reduce your bill. Certain credits will be shown at the time you complete a quote, but lesser-known reductions have to be specially asked for before they will apply.
- Senior Citizen Rates – Mature drivers are able to get lower premium rates.
- Distant College Student Discount – Kids who are enrolled in a college that is more than 100 miles from Jacksonville and do not take a car to college may qualify for this discount.
- Anti-lock Brakes – Anti-lock brake equipped vehicles prevent accidents so companies give up to a 10% discount.
- Discounts for Government Workers – Active or retired federal employment could cut as much as 10% off with certain companies.
- Jacksonville Homeowners Discount – Simply owning a home can get you a discount because maintaining a house requires a higher level of personal finance.
- Defensive Driving Course – Completing a course teaching defensive driving skills could save 5% or more if you qualify.
- Seat Belt Discounts – Buckling up and requiring all passengers to buckle up can save up to 10 percent (depending on the company) off the PIP or medical payment premium.
- Drive Less and Save – Low annual miles could earn cheaper prices.
One last thing about discounts, most of the big mark downs will not be given to the entire policy premium. Some only reduce specific coverage prices like liability, collision or medical payments. If you do the math and it seems like adding up those discounts means a free policy, companies wouldn’t make money that way.
The chart below shows the difference between Nissan cube car insurance costs with and without discounts applied to the rates. The price estimates are based on a male driver, no claims, a clean driving record, Florida state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, safe-driver, multi-policy, homeowner, marriage, and claim-free discounts applied.
Car insurance companies who might offer these discounts include:
When comparing rates, check with every prospective company which credits you are entitled to. All car insurance discounts may not apply to policyholders in Jacksonville. To view insurers with significant discounts in Jacksonville, click this link.
Do I just need basic coverages?
When buying the right insurance coverage for your vehicles, there really is no perfect coverage plan. Your needs are unique to you so your insurance needs to address that.
For example, these questions can aid in determining whether or not you would benefit from professional advice.
- What should my uninsured motorist coverage limits be in Florida?
- Am I covered if I hit someone who is not insured?
- What does medical payments cover?
- What is motorclub and do I need it?
- Am I covered if my car is in a flood?
- Can I afford to pay high deductible claims out of pocket?
- Why do I need rental car insurance?
If it’s difficult to answer those questions then you might want to talk to an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies.