Nissan cube Insurance Quotes in Charlotte

Insurance rates Nissan cube in CharlotteFinding low-cost insurance for a Nissan cube in North Carolina can normally be an all-consuming task, but you can use our car insurance buying tips and make it easy. There is a better way to buy car insurance and we’ll show you the absolute fastest way to compare rates for your Nissan and get the lowest price from Charlotte insurance agents and online providers.

It’s a great practice to compare rates every six months since prices tend to go up over time. Just because you had the best deal on Nissan cube insurance in Charlotte on your last policy other companies may now be cheaper. You can find a lot of misleading information regarding cube insurance on the internet, but I’m going to show you some good information on how to buy car insurance cheaper in Charlotte.

Choosing the most cost-effective auto insurance policy in Charlotte seems hard but is not really that difficult. If you have a policy now or are looking for a new policy, use these techniques to find the best rates and still have adequate protection. Smart shoppers just have to use the best way to compare company rates from multiple carriers.

Best companies for cheap Nissan cube insurance in North Carolina

The following companies can provide free rate quotes in North Carolina. If you wish to find cheap auto insurance in North Carolina, we recommend you get rate quotes from several of them to get the best price comparison.

Car insurance statistics and figures

The price information shown below covers detailed analysis of coverage costs for Nissan cube models. Learning more about how prices are calculated can assist in making decisions when choosing a new policy provider.


Nissan cube Insurance Rates in Charlotte, NC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Cube 2WD $90 $172 $282 $16 $84 $644 $54
Cube S 2WD $102 $172 $282 $16 $84 $656 $55
Cube SL 2WD $102 $210 $282 $16 $84 $694 $58
Cube Krom 2WD $116 $248 $282 $16 $84 $746 $62
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Premium data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and North Carolina minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Rate quotes do not factor in Charlotte location which can affect price quotes noticeably.

Deductible analysis

The hardest decision when buying coverage is how high or low should comp and collision deductibles be. The following tables may help to illustrate the costs and benefits of buying low and high insurance deductibles. The first rate table uses a $250 physical damage deductible and the second pricing table uses a $500 deductible.


Nissan cube insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Cube 2WD $168 $266 $250 $14 $74 $797 $66
Cube S 2WD $192 $266 $250 $14 $74 $821 $68
Cube SL 2WD $192 $324 $250 $14 $74 $879 $73
Cube Krom 2WD $218 $382 $250 $14 $74 $963 $80
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Nissan cube insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Cube 2WD $136 $214 $250 $14 $74 $688 $57
Cube S 2WD $156 $214 $250 $14 $74 $708 $59
Cube SL 2WD $156 $262 $250 $14 $74 $756 $63
Cube Krom 2WD $176 $308 $250 $14 $74 $822 $69
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Price information does not factor in Charlotte location which can revise rates substantially.

Based on the above data, using a $250 deductible costs approximately $10 more each month or $120 annually across all Nissan cube models than quoting the higher $500 deductible. Since the policyholder would be required to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you usually have more than 25 months between claims, you would most likely save money by selecting a higher deductible.

How to calculate deductible break even period

Average monthly premium for $250 deductibles: $72
Average monthly premium for $500 deductibles (subtract): – $62
Monthly savings from raising deductible: $10
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $10
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 25 months

An important sidenote is that raising deductibles to save money results in having to pay to pay more out-of-pocket when you file a claim. That will necessitate some non-essential savings in the event you need to pay the higher deductible in order to repair your vehicle.

The information below illustrates how your deductible choice and can increase or decrease Nissan cube yearly insurance costs for each different age category. The prices are based on a single male driver, comp and collision included, and no discounts are applied.

Illustration showing the impact of accidents and violations

The chart below highlights how traffic violations and accidents can affect Nissan cube auto insurance costs for different categories of driver ages. The premiums are based on a single female driver, comp and collision included, $100 deductibles, and no discounts are taken into consideration.

Four Things That Impact Your Insurance Rates

Lots of things are considered when you get your auto insurance bill. Most are fairly basic like an MVR report, but others are not quite as obvious such as whether you are married or how safe your car is.

The list below includes some of the most rate-impacting factors companies use to determine your prices.

Liability coverage – Your policy’s liability coverage kicks in in the event that you are found liable for causing damage or personal injury in an accident. It provides legal defense starting from day one. Liability insurance is quite affordable compared to other policy coverages, so do not cut corners here.

Is insurance coverage cheaper for females or males? – Statistics have proven women are more cautious behind the wheel. That doesn’t necessarily mean that men are WORSE drivers than women. Males and females are in fender benders in similar numbers, but males have costlier accidents. Men also statistically get cited for more serious violations such as reckless driving.

The chart below visualizes the comparison of Nissan cube insurance prices for male and female drivers. The rate quotes are based on no tickets, no at-fault accidents, comprehensive and collision coverage, $100 deductibles, single status, and no discounts are applied to the premium.

Fewer miles means better premiums – The more you drive your Nissan each year the more it will cost to insure it. The majority of insurers price each vehicle’s coverage partially by how you use the vehicle. Vehicles that do not get driven very much receive better premium rates than those used for commuting. Make sure your vehicle rating properly reflects the correct usage for each vehicle. Improper usage on your cube can cost quite a bit.

Theft deterrents save – Buying a car with a theft deterrent system can help lower your premiums. Advanced theft deterrents like OnStar, LoJack tracking, and tamper alarms can help prevent car theft.

Charlotte car insurance discounts

The cost of insuring your cars can be expensive, but there could be significant discounts that can drop the cost substantially. Certain reductions will be credited when you purchase, but once in a while a discount must be inquired about prior to getting the savings. If you check and find you aren’t receiving every discount possible, you are just wasting money.Cheaper car insurance with discounts

Remember that most of the big mark downs will not be given to all coverage premiums. Most only reduce the cost of specific coverages such as liability, collision or medical payments. So even though it sounds like all the discounts add up to a free policy, it’s just not the way it works.

The chart below shows the comparison of Nissan cube auto insurance rates with and without discounts applied to the policy premium. The premiums assume a male driver, no accidents or driving violations, North Carolina state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, claim-free, safe-driver, multi-car, marriage, and multi-policy discounts applied.

The best car insurance companies and their possible discounts are shown below.

When quoting, ask each insurance company how you can save money. Some of the discounts discussed earlier might not be offered in your state. To see companies that offer discounts in Charlotte, follow this link.

Compare prices but buy from a neighborhood Charlotte auto insurance agent

Many drivers would prefer to buy from a local agent and we recommend doing that Insurance agents can help determine the best coverages and help submit paperwork. One of the best bonuses of comparing insurance online is you may find cheap insurance quotes but still work with a licensed agent.

Charlotte insurance agentsFor easy comparison, once you complete this short form, the quote information is transmitted to participating agents in Charlotte who will give you quotes for your insurance coverage. It simplifies rate comparisons since you won’t have to even leave your home as quotes are delivered directly to you. If you wish to compare prices from one company in particular, feel free to navigate to their website to submit a rate quote request.

Choosing an insurer should depend on more than just the premium amount. The questions below may impact your decision as well.

Choose the right auto insurance agent

If you prefer to buy insurance from a local Charlotte insurance agency, you should know the different types of agencies and how they differ in how they quote coverages. Agents in Charlotte are classified as either exclusive or independent agents depending on their company appointments. Either one can properly insure your vehicles, but it’s worth learning the differences since it may influence your selection of an agent.

Exclusive Agents

Agents of this type have only one company to place business with and examples are State Farm, AAA, and Liberty Mutual. These agents are not able to compare rates from other companies so always compare other rates. These agents receive extensive training in insurance sales which helps overcome the inability to quote other rates. Drivers often choose to use a exclusive agent partially due to the prominent brand name and solid financial strength.

Below are Charlotte exclusive insurance agents that can give you price quote information.

More Charlotte agents

Independent Agents

Independent agencies do not write with just one company so they can write business with multiple insurance companies and find you cheaper rates. If you want to switch companies, they can switch companies in-house which requires no work on your part.

When comparing insurance prices, we recommend you get several quotes from at least one independent agent to ensure the widest selection of prices. Many can place coverage with lesser-known insurance companies that may have much lower rates than larger companies.

The following are independent insurance agencies in Charlotte who can help you get price quotes.

More Charlotte agents

Upon getting positive responses to your questions and locked in a price quote, most likely you have located an insurance agent that can be relied on to service your policy. Just understand that you have the power to cancel a policy at any time so never feel you are locked into your new company with no way out.

In Summary

In this article, we covered many ideas to shop for Nissan cube insurance online. The key thing to remember is the more times you quote, the better your chances of lowering your rates. You may even discover the lowest priced insurance comes from a small local company.

As you shop your coverage around, don’t be tempted to buy less coverage just to save a little money. There have been many situations where consumers will sacrifice comprehensive coverage or liability limits only to discover later that the few dollars in savings costed them thousands. The proper strategy is to find the BEST coverage at the best price while still protecting your assets.

Budget-conscious Nissan cube insurance can be sourced both online and from local insurance agents, and you need to price shop both in order to have the best chance of saving money. Some insurance companies may not offer online price quotes and these regional carriers prefer to sell through independent insurance agencies.

Steps to finding discount Nissan cube insurance in Charlotte

If you want to find the absolute lowest rates, then the best way to find the cheapest price for Nissan cube insurance is to compare prices at least once a year from different companies in Charlotte.

One key aspect when comparing rates is that you’ll want to compare identical coverages on each price quote and and to get rate quotes from every company you can. Doing this provides the most accurate price comparison and maximum price selection.

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