Best Insurance for a Nissan cube in Raleigh

Amazingly, the vast majority of drivers have purchased from the same company for over three years, and virtually 40% of consumers have never compared quotes from other companies. North Carolina insurance shoppers could save roughly 10% every year by just shopping around, but they just assume it’s a time-consuming process to compare rate quotes online.

Discount Nissan cube insuranceIf your goal is the lowest price, then the best way to find more affordable Nissan cube insurance is to compare quotes once a year from different companies who sell auto insurance in Raleigh. Price quotes can be compared by following these guidelines.

One important bit of advice is to try to compare identical coverage information on every quote request and and to compare as many carriers as you can. This helps ensure a fair price comparison and the best rate selection.

Get cheaper rates by taking advantage of discounts

Auto insurance companies don’t necessarily list every policy discount very clearly, so the list below contains some of the more common and also the more inconspicuous credits available to bring down your rates.

Remember that many deductions do not apply to the overall cost of the policy. Most only cut specific coverage prices like collision or personal injury protection. Even though it appears all those discounts means the company will pay you, nobody gets a free ride. Any qualifying discounts will lower the amount you pay for coverage.

The example below illustrates the difference between Nissan cube auto insurance rates with and without discounts applied. The rate quotes are based on a female driver, no violations or claims, North Carolina state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, claim-free, safe-driver, homeowner, and marriage discounts applied.

Insurance companies that may offer policyholders most of these discounts include:

When quoting, ask each company which credits you are entitled to. All car insurance discounts may not be available everywhere. To find insurance companies who offer auto insurance discounts in Raleigh, click here to view.

When shopping for affordable Nissan cube insurance quotes, there are a couple of ways of comparing rates from auto insurance companies in your area. One of the best ways to lower the rate you pay for insurance is to use the internet to compare rates.

When quoting auto insurance, remember that comparing a large number of companies helps increase your odds of locating a better price.

The companies in the list below provide quotes in North Carolina. To locate cheaper auto insurance in Raleigh, NC, we recommend you compare several of them in order to find the lowest rates.

Coverage information

The data table below highlights a range of insurance coverage prices for Nissan cube models. Having insight into how prices are formulated is important for making decisions on the best policy coverages.

Nissan cube Insurance Rates in Raleigh, NC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Cube 2WD $144 $262 $262 $16 $78 $762 $64
Cube S 2WD $166 $262 $262 $16 $78 $784 $65
Cube SL 2WD $166 $318 $262 $16 $78 $840 $70
Cube Krom 2WD $186 $374 $262 $16 $78 $916 $76
Get Your Own Custom Quote Go

Table data represents married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and North Carolina minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Table data does not factor in specific garaging location which can revise rates substantially.

Higher deductibles lower rates

When buying insurance, a common question is how high should the physical damage coverage deductibles be. The figures shown below can help show the differences in premium rates when you select higher and lower coverage deductibles. The first rate comparisons uses a $100 deductible for comp and collision and the second price grid uses a $1,000 deductible.

Nissan cube insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Cube 2WD $186 $318 $250 $14 $74 $867 $72
Cube S 2WD $214 $318 $250 $14 $74 $895 $75
Cube SL 2WD $214 $386 $250 $14 $74 $963 $80
Cube Krom 2WD $242 $456 $250 $14 $74 $1,061 $88
Get Your Own Custom Quote Go

Nissan cube insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Cube 2WD $104 $168 $250 $14 $74 $610 $51
Cube S 2WD $118 $168 $250 $14 $74 $624 $52
Cube SL 2WD $118 $204 $250 $14 $74 $660 $55
Cube Krom 2WD $134 $240 $250 $14 $74 $712 $59
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Rate quotes do not factor in specific garaging location which can affect rates considerably.

Using the premium rates above, we can conclude that using a $100 deductible costs approximately $25 more each month or $300 annually across all Nissan cube models than choosing the higher $1,000 deductible. Because you would be required to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you normally go more than 36 months between claim filings, you would probably save some money by going with a higher deductible.

How to decide to raise your deductibles

Average monthly premium for $100 deductibles: $79
Average monthly premium for $1,000 deductibles (subtract): – $54
Monthly savings from raising deductible: $25
Difference between deductibles ($1,000 – $100): $900
Divide difference by monthly savings: $900 / $25
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 36 months

Illustration showing the impact of accidents and violations

The example below demonstrates how speeding tickets and accidents influence Nissan cube premium costs for different insured age categories. The data is based on a married female driver, full physical damage coverage, $500 deductibles, and no discounts are factored in.

Find Nissan cube Insurance More Affordably

When buying car insurance it’s important to understand the rating factors that play a part in calculating the price you pay for car insurance. If you have a feel for what determines premiums, this helps enable you to make changes that can earn you lower premium levels. Lots of things are used when you get a price on insurance. A few of the factors are predictable such as your driving history, but other criteria are not as apparent such as your credit history or how financially stable you are.

Tailor your insurance coverage to you

When it comes to buying insurance from an agent or online for your vehicles, there really is not a “perfect” insurance plan. You are unique.

These are some specific questions could help you determine whether you would benefit from an agent’s advice.

If you don’t know the answers to these questions then you might want to talk to an agent. To find an agent in your area, fill out this quick form.

Get rate quotes but buy from a neighborhood Raleigh auto insurance agent

A small number of people would prefer to talk to an insurance agent and that is OK! A good thing about price shopping on the web is you can get cheap car insurance rates and still have a local agent. And buying from neighborhood agents is definitely important in Raleigh.

By using this quick form, the coverage information gets sent to local insurance agents who want to provide quotes and help you find cheaper coverage. There is no need to leave your house because prices are sent immediately to you. Get lower rates without the usual hassles of price shopping. If for some reason you want to get a comparison quote for a specific company, don’t hesitate to jump over to their website and fill out the quote form the provide.

If you are searching for a reliable insurance agency, it can be helpful to understand the different types of agencies from which to choose. Raleigh agents can be classified as either independent (non-exclusive) or exclusive.

Independent Car Insurance Agents

Independent insurance agents do not work for one specific company so they can quote policies with any number of different companies depending on which coverage is best. If your premiums go up, the business is moved internally and that require little work on your part.

When comparing car insurance prices, you absolutely need to include independent agents to have the most options to choose from. Most can insure with companies you’ve never heard of that may have much lower rates than larger companies.

Featured below are independent agencies in Raleigh who may be able to give you competitive price quotes.

More Raleigh agents

Exclusive Agencies

Agents of this type can only provide pricing for a single company and examples are State Farm, Allstate, or Farmers Insurance. They usually cannot place coverage with different providers so they have to upsell other benefits. Exclusive agencies are very knowledgeable on the products they sell which can be an advantage. Drivers often use the same exclusive agent primarily because of high brand loyalty rather than low price.

The following are exclusive insurance agents in Raleigh that are able to give rate quotes.

More Raleigh agents

Deciding on a insurance agency requires you to look at more than just a cheap quote. Below are some questions you should ask.

After receiving acceptable answers to all your questions as well as a affordable price, you may have just found an insurance agent that is a good match to provide car insurance coverage.

Insurance protects more than just your car

Even though it can be expensive, buying insurance is required for several reasons.

The benefits of having insurance are without a doubt worth the cost, especially when you need to use it. In a recent study of 1,000 drivers, the average customer is overpaying over $825 a year so we recommend shopping around at every policy renewal to ensure rates are competitive.

Best auto insurance company in Raleigh

Picking a good quality auto insurance company is hard considering how many choices you have in North Carolina. The company information below may help you choose which coverage providers you want to consider shopping your coverage with.

Top 10 Raleigh Car Insurance Companies Overall

  1. Travelers
  2. USAA
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Allstate
  7. State Farm
  8. The Hartford
  9. Safeco Insurance
  10. Progressive

Top 10 Raleigh Car Insurance Companies Ranked by Customer Service

  1. USAA
  2. Travelers
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Safeco Insurance
  7. Progressive
  8. State Farm
  9. The Hartford
  10. The General

Quote more and you will save more

Insureds change insurance companies for any number of reasons including poor customer service, questionable increases in premium, extreme rates for teen drivers and even not issuing a premium refund. Regardless of your reason for switching companies, finding the right car insurance provider is not as difficult as it may seem.

More affordable car insurance in Raleigh can be sourced both online and also from your neighborhood Raleigh agents, so you should be comparing quotes from both so you have a total pricing picture. A few companies may not provide the ability to get quotes online and most of the time these regional insurance providers provide coverage only through independent agencies.

Throughout this article, we presented some good ideas how you can get a better price on Nissan cube insurance in Raleigh. It’s most important to understand that the more quotes you get, the better your comparison will be. Consumers could even find that the lowest priced car insurance comes from a smaller regional carrier.

More detailed car insurance information is located by following these links: