Affordable Riverside Nissan cube Insurance

Insurance for Nissan cubeWant to learn how to save money and find cheaper insurance rates in Riverside, CA? Riverside consumers have options when looking for affordable Nissan cube insurance. They can either waste time calling around trying to get quotes or leverage the internet to compare rates. There are more efficient ways to compare insurance rates so you’re going to learn the proper way to get price quotes on a Nissan and get the best price possible from both online companies and Riverside agents.

Unbelievably, most consumers have remained with the same insurance company for four years or more, and virtually 40% of consumers have never compared quotes from other companies. Most drivers in Riverside could pocket as much as 35% a year, but most tend to underestimate the benefits if they changed companies.

Locating the most cost-effective car insurance policy in Riverside is actually not that difficult if you follow our advice. If you currently have car insurance, you will definitely be able to save money using these techniques. Consumers only have to learn the least time-consuming way to find the lowest price from many companies at once.

Nissan cube insurance quotes comparison

Finding cheap auto insurance prices is a fairly straight forward process. Just take the time comparing price quotes online from several insurance companies.

The car insurance companies shown below have been selected to offer price quotes in California. If more than one company is shown, we suggest you compare several of them to get the most competitive price.

Insurance policy discounts for Nissan cube insurance in Riverside

Insurance is not an enjoyable expense, but you can get discounts that you may not even be aware of. A few discounts will be applied at the time of purchase, but some discounts are required to be inquired about before you will receive the discount.Discount insurance

You should keep in mind that most discount credits are not given to your bottom line cost. Some only apply to the cost of specific coverages such as collision or personal injury protection. Just because it seems like you can get free auto insurance, that’s just not realistic. But all discounts will bring down your premiums.

The information below compares Nissan cube insurance costs with and without discounts being applied to the rates. The information is based on a male driver, no claims or driving violations, California state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, homeowner, marriage, multi-policy, claim-free, and safe-driver discounts applied.

To locate insurance companies with the best Nissan cube insurance discounts in Riverside in Riverside, click here.

Rates and detailed analysis

The rate information displayed below covers a range of coverage costs for Nissan cube models. Learning a little about how insurance policy rates are figured can help you make smart choices when buying a car insurance policy.


Nissan cube Insurance Rates in Riverside, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Cube 2WD $188 $324 $424 $26 $126 $1,088 $91
Cube S 2WD $216 $324 $424 $26 $126 $1,116 $93
Cube SL 2WD $216 $394 $424 $26 $126 $1,186 $99
Cube Krom 2WD $244 $464 $424 $26 $126 $1,284 $107
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Data rating is based on married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Prices do not factor in specific garaging location which can raise or lower rates noticeably.

Rate comparison for different deductibles

One common question asked by Riverside drivers is how high should the deductibles for physical damage be. The comparison tables below can help you understand the rate fluctuation of buying low and high coverage deductibles. The first data table uses a $250 deductible for comprehensive and collision coverage and the second price table uses a $1,000 deductible.


Nissan cube insurance rates with $250 deductibles
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
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Nissan cube insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Cube 2WD $184 $298 $442 $26 $132 $1,082 $90
Cube S 2WD $210 $298 $442 $26 $132 $1,108 $92
Cube SL 2WD $210 $362 $442 $26 $132 $1,172 $98
Cube Krom 2WD $238 $426 $442 $26 $132 $1,264 $105
Get Your Own Custom Quote Go

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Price estimates do not factor in your specific Riverside location which can lower or raise coverage rates considerably.

We can estimate from the data above that using a $250 deductible would cost the average driver about $31 more each month or $372 every year than opting for the higher $1,000 deductible. Since you would pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you go at a minimum 24 months between claim filings, you would most likely save money if you decide on a higher deductible.

The example below highlights how deductible choice and can increase or decrease Nissan cube insurance rates for each different age category. The information is based on a married female driver, comp and collision included, and no discounts are applied to the premium.

Annual premiums for males versus females in Riverside

The example below illustrates the difference between Nissan cube insurance costs for male and female drivers. The premium estimates are based on no claims, a clean driving record, full physical damage coverage, $250 deductibles, single status, and no discounts are applied to the premium.

Getting quotes from local Riverside auto insurance agents

A lot of people prefer to visit with an insurance agent and that is OK! Good agents can point out coverage gaps and help submit paperwork. The best thing about comparing insurance prices online is that you can obtain better rates and still have an agent to talk to.

By using this form (opens in new window), your insurance coverage information gets sent to insurance agents in Riverside who will return price quotes and help you find cheaper coverage. It makes it easy because there is no need to visit any agencies due to the fact that quote results will go immediately to your email address. If you need to compare prices from a specific insurance company, feel free to search and find their rate quote page and give them your coverage information.

Deciding on an insurance company should include more criteria than just the premium amount. Below are some questions you should ask.

If you want to buy insurance from a reputable agency, you must know there are a couple different types of agents that differ in how they can insure your vehicles. Agencies in Riverside can be described as either exclusive or independent. Either one can sell affordable insurance policies, but it’s important to point out the subtle differences because it can impact the kind of agent you use.

Exclusive Insurance Agents

These type of agents can only write with one company and examples are Farmers Insurance and State Farm. Exclusive agents cannot provide other company’s prices so they have to upsell other benefits. Exclusive agents are well schooled on their company’s products which helps overcome the inability to quote other rates. Some people will only buy from the same agent for years mostly because of loyalty to the company rather than low price.

Shown below is a short list of exclusive insurance agents in Riverside that are able to give rate quotes.

More Riverside agents

Independent Agents (or Brokers)

Independent agencies can quote rates with many companies so they can quote policies with a variety of different insurance companies enabling the ability to shop coverage around. If premiums increase, the business is moved internally which is easy for the insured. When searching for an agent, we recommend you compare prices from at least one independent agent in order to have the best price comparison. Most have the option of insuring with smaller mutual companies that may have much lower rates than larger companies.

Shown below are independent insurance agents in Riverside who can help you get comparison quotes.

More Riverside agents

Car insurance coverage breakdown

Learning about specific coverages of car insurance aids in choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Collision coverage

Collision insurance pays for damage to your cube resulting from a collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like rolling your car, damaging your car on a curb, colliding with another moving vehicle and sideswiping another vehicle. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. You can also increase the deductible on your cube to get cheaper collision coverage.

Comprehensive protection

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as theft, rock chips in glass and a tree branch falling on your vehicle. The highest amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Medical expense coverage

Coverage for medical payments and/or PIP pay for expenses for things like nursing services, doctor visits and X-ray expenses. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover you and your occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Liability car insurance

Liability coverage can cover damage or injury you incur to people or other property. This coverage protects you against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 15/30/5 which means $15,000 bodily injury coverage, a total of $30,000 of bodily injury coverage per accident, and a total limit of $5,000 for damage to vehicles and property.

Liability can pay for claims like legal defense fees, funeral expenses, repair costs for stationary objects, attorney fees and loss of income. How much liability coverage do you need? That is a personal decision, but consider buying as high a limit as you can afford. California state law requires minimum liability limits of 15/30/5 but you should think about purchasing more liability than the minimum.

The chart below shows why buying low liability limits may not provide you with enough coverage.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Nissan cube.

Due to the fact that many California drivers only carry the minimum required liability limits (15/30/5 in California), their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Persistent drivers can save

Budget-conscious Nissan cube insurance can be purchased from both online companies and with local Riverside insurance agents, and you should compare rates from both to have the best selection. Some companies may not provide the ability to get a quote online and most of the time these smaller providers prefer to sell through independent agents.

You just learned quite a bit of information on how to find affordable Nissan cube insurance in Riverside. The most important thing to understand is the more you quote Riverside auto insurance, the better your chances of lowering your prices. You may even be surprised to find that the most savings is with a small local company.

When getting Riverside auto insurance quotes online, it’s not a good idea to reduce needed coverages to save money. In many cases, an insured dropped liability coverage limits only to regret at claim time that the small savings ended up costing them much more. Your goal is to purchase plenty of coverage at the best possible price but still have enough coverage for asset protection.

Steps to finding cheaper Nissan cube insurance in Riverside

The most effective way to get more affordable Nissan cube insurance is to start doing an annual price comparison from insurance carriers in Riverside.

The key thing to remember is to try to compare similar limits and deductibles on every quote and to quote with as many companies as possible. This guarantees a fair price comparison and a good representation of prices.

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