We don’t have to tell you that car insurance companies want to keep you from shopping around. Drivers who shop around for cheaper price quotes are likely to switch companies because the odds are good of finding coverage at a cheaper rate. A recent insurance study discovered that drivers who faithfully checked for cheaper rates saved on average $860 a year compared to policyholders who never shopped around.
If finding the best rates on car insurance in Dallas is your goal, then having some knowledge of how to get rate quotes and compare insurance premiums can make it easier to shop your coverage around.
It takes a few minutes, but the best way to get low-cost Nissan cube insurance in Dallas is to compare quotes annually from providers who sell insurance in Texas. Prices can be compared by completing these steps.
First, spend a few minutes and learn about what coverages are included in your policy and the modifications you can make to prevent rate increases. Many policy risk factors that are responsible for high rates like traffic violations, accidents, and a less-than-favorable credit history can be controlled by making minor changes to your lifestyle. This article provides more ideas to get cheaper coverage and find overlooked discounts.
Second, compare prices from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only provide price estimates from a single company like GEICO and Allstate, while agents who are independent can quote rates from multiple companies.
Third, compare the new quotes to your existing policy to see if switching to a new carrier will save money. If you find a lower rate and switch companies, verify that coverage does not lapse between policies.
An essential thing to point out is that you use similar coverage information on every price quote and and to get quotes from as many different insurance providers as possible. Doing this enables a fair price comparison and a complete price analysis.
Finding affordable insurance coverage in Dallas is actually quite easy if you know where to start. If you have a current insurance policy, you will surely be able to lower your rates using this information. But Texas drivers do need to learn how insurance companies calculate your insurance rates because rates are impacted by many factors.
When shopping for Nissan cube insurance in Dallas there are multiple ways to compare rate quotes from lots of Texas auto insurance companies. The recommended way to find the cheapest Nissan cube insurance rates consists of obtaining rate quotes online.
Getting quotes online is very simple and it makes it obsolete to call or drive to different agent offices. The internet makes this process obsolete unless your situation requires the professional guidance that you can only get from talking to an agent. Although, it is possible compare online quotes and still use a local agent.
When comparing auto insurance rates, know that comparing more prices helps increase your odds of locating a better price.
The companies shown below are our best choices to provide quotes in Texas. If several companies are displayed, we suggest you visit two to three different companies to get the most competitive price.
Auto insurance policy discounts you can’t miss
Insurance can be prohibitively expensive, but you might be missing out on some discounts that could help you make your next renewal payment. Many of these discounts will be applied automatically when you complete an application, but some need to be requested specifically before you will receive the discount.
- One Accident Forgiven – This one is not really a discount per se, but a few companies such as Liberty Mutual, Allstate and State Farm will forgive one accident before your rates go up so long as you are claim-free before the accident.
- Driver Training Discounts – Passing a defensive driving course is a good idea and can lower rates and easily pay for the cost of the class.
- Auto/Life Discount – Not every insurance company offers life insurance, but if they do you may earn a break if you buy auto and life insurance together.
- Distant Student – College-age children who are attending college and leave their car at home could qualify for this discount.
- New Car Discount – Buying a new car instead of a used cube can cost up to 25% less due to better safety requirements for new model year vehicles.
- Theft Deterrent Discount – Cars with anti-theft systems are stolen with less frequency and can earn a small discount on your policy.
Consumers should know that some of the credits will not apply to the overall cost of the policy. Most only cut specific coverage prices like physical damage coverage or medical payments. If you do the math and it seems like all those discounts means the company will pay you, you aren’t that lucky.
The chart below compares Nissan cube insurance premiums with and without discounts applied to the policy premium. The premiums are based on a male driver, no accidents or driving violations, Texas state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, marriage, claim-free, safe-driver, and multi-policy discounts applied.
Insurance companies that may offer most of the discounts above are:
If you need lower rates, check with each insurance company to give you their best rates. Some discounts may not apply in Dallas. To view insurance companies that provide some of the discounts listed above in Dallas, click here to view.
Coverage statistics and figures
The information displayed next outlines different insurance coverage prices for Nissan cube models. Learning as much as possible about how insurance policy rates are established is important to be able to make smart choices when purchasing an insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Cube 2WD | $292 | $408 | $500 | $30 | $150 | $1,380 | $115 |
| Cube S 2WD | $336 | $408 | $500 | $30 | $150 | $1,424 | $119 |
| Cube SL 2WD | $336 | $496 | $500 | $30 | $150 | $1,512 | $126 |
| Cube Krom 2WD | $378 | $584 | $500 | $30 | $150 | $1,642 | $137 |
| Get Your Own Custom Quote Go | |||||||
Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Estimates do not factor in specific garaging location which can change rates noticeably.
Auto insurance deductibles
A question often asked by Dallas drivers is where should you set your physical damage deductibles. The figures shown below approximate how much more you’ll pay between low and high deductibles. The first pricing table uses a $250 deductible and the second price chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Cube 2WD | $256 | $408 | $382 | $22 | $114 | $1,207 | $101 |
| Cube S 2WD | $294 | $408 | $382 | $22 | $114 | $1,245 | $104 |
| Cube SL 2WD | $294 | $496 | $382 | $22 | $114 | $1,333 | $111 |
| Cube Krom 2WD | $332 | $584 | $382 | $22 | $114 | $1,459 | $122 |
| Get Your Own Custom Quote Go | |||||||
| 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 | |||||||
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Price information does not factor in specific location which can raise or lower coverage rates substantially.
Based on the data above, we can derive that using a $250 deductible costs approximately $15 more each month or $180 a year than quoting the higher $500 deductible. Since you would pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you normally average at least 17 months between claim filings, you would probably save some money going with the higher deductible.
Premiums by gender and age
The chart below shows the comparison of Nissan cube car insurance rates for male and female drivers. The information is based on no tickets, no at-fault accidents, full coverage, $100 deductibles, marital status is single, and no additional discounts are factored in.
Cost of full coverage in Dallas
The illustration below compares Nissan cube auto insurance rates with liability coverage only compared to full coverage. The premiums are based on a clean driving record, no at-fault accidents, $250 deductibles, drivers are single, and no discounts are taken into consideration.
When to drop comprehensive and collision
There is no written rule for eliminating full coverage, but there is a guideline you can consider. If the annual cost of having full coverage is about 10% or more of the replacement cost minus the deductible, then it might be time to buy liability only.
For example, let’s pretend your Nissan cube book value is $9,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $8,000 after the deductible is paid. If you are paying in excess of $800 a year for comprehensive and collision coverage, then you may want to consider only buying liability coverage.
There are some situations where buying only liability insurance is not advised. If you haven’t satisfied your loan, you have to carry full coverage as part of the loan requirements. Also, if you don’t have enough money to buy a different vehicle if your current one is in an accident, you should not eliminate full coverage.