Car Insurance Rates for a Nissan cube in Plano

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Insurance for Nissan cubeWant lower-priced insurance rates in Plano, TX? Plano drivers have a choice when trying to find affordable Nissan cube insurance. You can either waste hours struggling with agents to get rate comparisons or use the internet to get rate quotes. There is a right way and a wrong way to compare insurance rates and you need to know the best way to quote coverages for a Nissan and find the cheapest rates.

Insurance policy discounts you can't miss

Companies that sell car insurance don't always advertise every discount in an easy-to-find place, so we took the time to find some of the best known in addition to some of the lesser obvious credits available to bring down your rates.Save money with discounts

  • Seat Belts Save more than Lives - Requiring all passengers to buckle their seat belts can save 10% or more off the medical payments premium.
  • Data Collection Discounts - Plano drivers who agree to allow driving data submission to scrutinize where and when they drive by using a small device installed in their vehicle such as Allstate's Drivewise and State Farm's In-Drive system could save a few bucks if they exhibit good driving behavior.
  • Buy New and Save - Buying coverage on a new vehicle can cost up to 25% less compared to insuring an older model.
  • Safety Course Discount - Taking time to complete a driver safety class may get you a small discount and easily recoup the cost of the course.
  • E-sign - A few insurance companies will give you a small discount get Plano car insurance digitally online.
  • Active Service Discounts - Having a family member in the military could mean lower prices.
  • Multiple Policy Discount - When you combine your auto and home insurance with one insurance company they may give you a discount of nearly 15% which can help you find cheap cube insurance.
  • Smart Student Discounts - This discount may save as much as 25% on a Plano car insurance quote. Many companies even apply the discount to college students until age 25.

Policy discounts save money, but some of the credits will not apply to the entire policy premium. Most only cut specific coverage prices like comp or med pay. If you do the math and it seems like it's possible to get free car insurance, it's just not the way it works.

The chart below compares Nissan cube insurance prices with and without discounts applied. The data assumes a male driver, a clean driving record, no claims, Texas state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, multi-policy, safe-driver, claim-free, and homeowner discounts applied.

A few of the larger companies and a partial list of their discounts are included below.

  • Farmers Insurance discounts include multi-car, homeowner, good student, youthful driver, and alternative fuel.
  • Esurance has savings for renters, claim free, Switch & Save, emergency road assistance, defensive driver, DriveSense, and good driver.
  • State Farm offers discounts for safe vehicle, student away at school, accident-free, defensive driving training, and good student.
  • GEICO may include discounts for multi-vehicle, federal employee, anti-theft, five-year accident-free, good student, and seat belt use.
  • Allstate offers premium reductions for senior citizen, premier plus, early signing, utility vehicle, and economy car.

If you are trying to find affordable Nissan cube insurance quotes, ask each insurance company to give you their best rates. Discounts may not apply everywhere. To view insurers that have a full spectrum of discounts in Texas, click here.

First Step: Get free Nissan cube insurance quotes

Cutting your Plano auto insurance rates is an easy way to save money. You just have to spend a few minutes on the computer comparing rates online with multiple companies.

The companies in the list below have been selected to offer quotes in Plano, TX. If you want cheaper auto insurance in Plano, TX, we recommend you compare several of them to find the most competitive auto insurance rates.

Rate information and statistics

The rate information below highlights different prices for Nissan cube models. Having a good understanding how insurance premiums are formulated can be valuable when making smart choices when purchasing an auto insurance policy.

Nissan cube Insurance Rates in Plano, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Cube 2WD $124 $218 $366 $22 $110 $840 $70
Cube S 2WD $142 $218 $366 $22 $110 $858 $72
Cube SL 2WD $142 $266 $366 $22 $110 $906 $76
Cube Krom 2WD $160 $312 $366 $22 $110 $970 $81
Get Your Own Custom Quote Go

Data variables include married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Price estimates do not factor in zip code location which can alter coverage rates substantially.

Physical damage deductibles: Should you raise them?

When comparing car insurance rates, the most common question is how high should the physical damage coverage deductibles be. The rates below help summarize the difference in cost when you buy lower versus higher policy deductibles. The first set of rates uses a $100 physical damage coverage deductible and the second price grid uses a $500 deductible.

Nissan cube insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Cube 2WD $286 $486 $382 $22 $114 $1,315 $110
Cube S 2WD $328 $486 $382 $22 $114 $1,357 $113
Cube SL 2WD $328 $592 $382 $22 $114 $1,463 $122
Cube Krom 2WD $370 $698 $382 $22 $114 $1,611 $134
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Nissan cube insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Cube 2WD $208 $328 $382 $22 $114 $1,054 $88
Cube S 2WD $240 $328 $382 $22 $114 $1,086 $91
Cube SL 2WD $240 $400 $382 $22 $114 $1,158 $97
Cube Krom 2WD $270 $472 $382 $22 $114 $1,260 $105
Get Your Own Custom Quote Go

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Rates do not factor in specific garaging location which can modify premium rates noticeably.

Based on the figures above, using a $100 deductible could cost the average driver approximately $25 more each month or $300 each year than quoting the higher $500 deductible. Since you would pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you tend to average more than 16 months between claim filings, you would most likely save money if you choose a higher deductible.

Driving violations and accidents

The illustration below illustrates how violations and accident claims can raise Nissan cube premium costs for different age groups. The rates are based on a married male driver, full physical damage coverage, $250 deductibles, and no other discounts are factored in.

Comparison of car insurance rates by gender

The diagram below visualizes the comparison of Nissan cube insurance rates for male and female drivers. The price estimates are based on a clean driving record, no claims, comp and collision included, $100 deductibles, drivers are single, and no discounts are applied.

Will just any policy work for me?

Always keep in mind that when comparing insurance from an agent or online, there really is not a "best" method to buy coverage. Every situation is different so your insurance needs to address that.Higher deductibles save money These are some specific questions can help discover whether your personal situation would benefit from an agent's advice.

  • Which companies are cheaper for teen drivers?
  • Does having multiple vehicles earn me a discount?
  • Do they offer discounts for home and auto coverage?
  • Am I covered if I have no license?
  • How can I get the company to pay a claim?
  • What should my uninsured motorist coverage limits be in Texas?
  • What is an adequate liability insurance limit?
  • Do I need to call my car insurance company before buying a new car?

If you're not sure about those questions but one or more may apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier It's fast, doesn't cost anything and can help protect your family.

You may want advice from an insurance agent

Many drivers still like to talk to an insurance agent and that is a smart decision Agents can point out coverage gaps and give you someone to call. The biggest benefit of comparing car insurance online is you can get the lowest rates and still choose a local agent.

To help locate an agent, after submitting this short form, your insurance data is transmitted to participating agents in Plano that provide free Plano car insurance quotes for your business. You don't have to contact any agents due to the fact that quote results will go to you directly. If you wish to get a price quote from a specific car insurance provider, just find their quoting web page and fill out the quote form the provide.

Deciding on an insurance company is decision based upon more than just the quoted price. Get answers to these questions too.

  • Where are claims handled?
  • Do they get extra compensation for selling add-on coverages?
  • Will their companies depreciate repairs to your car based on the mileage?
  • Will they take your side in the event of a claim?
  • Does the agency have a good rating with the Better Business Bureau?
  • What discounts might you be missing?
  • Is there a Errors and Omissions policy in force?
  • How is replacement cost determined on your vehicle?

Exclusive or Independent: There is a difference

If you would like to find a local Plano insurance agent, it helps to know the two types of insurance agents that differ in how they can insure your vehicles. Agents can be described as either exclusive or independent. Either type can do a good job, but it's worth mentioning why they differ since it can affect your agent selection.

Exclusive Car Insurance Agents

Agents in the exclusive channel have only one company to place business with and some examples include Allstate, Farmers Insurance, State Farm, and AAA. These agents are unable to compare rates from other companies so always compare other rates. They are well trained in insurance sales which aids in selling service over price. Drivers often buy from the same agent for years mostly because of the brand name rather than low price.

Listed below are Plano exclusive agents who can help you get price quote information.

View more Plano agents

Independent Car Insurance Agents

Agents in the independent channel do not have single company limitations and that enables them to quote your coverage with multiple insurance companies and potentially find a lower price. If your premiums go up, they simply switch companies in-house and you can keep the same agent. When comparing rates, we recommend you compare prices from at least one independent agent to have the best price comparison. Many write coverage with lesser-known insurance companies who may have lower rates.

Below are Plano independent agencies willing to provide rate quotes.

View more Plano agents

Texas auto insurance company ratings

Finding a high-quality auto insurance provider is hard considering how many different companies there are to choose from in Plano. The company information shown next could help you decide which auto insurers you want to consider when comparing rate quotes.

Top 10 Plano Car Insurance Companies by A.M. Best Rank

  1. Travelers - A++
  2. USAA - A++
  3. GEICO - A++
  4. State Farm - A++
  5. Titan Insurance - A+
  6. Esurance - A+
  7. Progressive - A+
  8. The Hartford - A+
  9. Allstate - A+
  10. Nationwide - A+

One last note

As you shop your coverage around, you should never sacrifice coverage to reduce premiums. In many cases, someone sacrificed uninsured motorist or liability limits to discover at claim time that they should have had better coverage. Your aim should be to get the best coverage possible at the best cost.

We just showed you a lot of tips how to save on Nissan cube insurance in Plano. The most important thing to understand is the more times you quote, the better likelihood of getting inexpensive Plano car insurance quotes. You may even find the lowest rates are with a small mutual company. Regional companies may have significantly lower auto insurance rates on certain market segments than their larger competitors like Progressive or GEICO.

Some insurance providers may not provide online rate quotes and many times these small, regional companies prefer to sell through local independent agents. Affordable Nissan cube insurance in Plano is definitely available on the web and from local agencies, so you should compare both to have the best selection.

How to buy discount Nissan cube insurance in Plano

The best way we recommend to get the cheapest car insurance rates is to start comparing rates regularly from companies who sell insurance in Plano. You can compare prices by following these steps.

  1. Get an understanding of how auto insurance works and the factors you can control to prevent expensive coverage. Many policy risk factors that increase rates like your driving record and a low credit score can be controlled by paying attention to minor details.
  2. Compare price quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only give prices from a single company like Progressive or Farmers Insurance, while independent agents can quote prices for a wide range of insurance providers.
  3. Compare the new rate quotes to your existing rates and determine if there is any savings. If you find a lower rate, make sure there is no lapse between the expiration of your current policy and the new one.
  4. Give notification to your current company of your intention to cancel your existing policy. Submit a down payment along with a completed application for your new coverage. As soon as you receive it, place your new proof of insurance paperwork with your registration paperwork.

One important bit of advice is to try to use the same liability limits and deductibles on each quote request and and to get rates from every insurance company. Doing this ensures an accurate price comparison and the best price quote selection.

Much more information about car insurance in Texas can be found at the links below