Cheap Nissan cube Insurance in Seattle

Did you make the mistake of buying high-priced Nissan cube insurance in Seattle? Say no more because there are lots of Seattle residents who feel the same.

Insurance for Nissan cubeIt’s hard to believe, but most insurance customers have stayed with the same insurance company for well over three years, and 38% of drivers have never compared rate quotes at all. Seattle drivers could save up to $427 a year by just shopping around, but they just feel it’s too hard to compare rate quotes online.

Big companies like State Farm, Allstate, GEICO and Progressive all claim big savings with TV and radio ads and consumers find it hard to ignore the propaganda and take the time to shop coverage around.

It’s a great practice to compare prices as often as possible since insurance prices are rarely the same from one policy term to another. If you had the lowest quotes on Nissan cube insurance in Seattle on your last policy a different company probably has better rates today. Forget anything you know (or think you know) about insurance because you’re about to find out one of the easiest ways to find great coverage at a great price.

Ways to get Nissan cube insurance quotes in Seattle, Washington

To get inexpensive Seattle car insurance quotes, there a variety of ways to get quotes from local Seattle auto insurance companies. The simplest method to find affordable Nissan cube insurance rates is to use the internet to compare rates.

Comparing free rates online is easy and it, makes it obsolete to make phone calls or go to different agent offices. Quoting and buying Nissan cube insurance online makes this process obsolete unless you want the trained guidance only provided by licensed agents. Although, it is possible comparison shop online and get advice from an agent in your area. It’s important to know that comparing more prices helps locate the best price. Not every company allows you to get online price quotes, so it’s important to compare prices from the smaller companies as well.

The auto insurance companies shown below are our best choices to provide free rate quotes in Washington. If multiple providers are shown, we recommend you visit several of them in order to find the most affordable rates.

Nissan cube Insurance Rates in Seattle, WA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Cube 2WD $190 $388 $334 $20 $100 $1,032 $86
Cube S 2WD $218 $368 $334 $20 $100 $1,040 $87
Cube SL 2WD $144 $264 $282 $16 $84 $790 $66
Cube Krom 2WD $286 $540 $294 $18 $88 $1,226 $102
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Washington minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Rate quotes do not factor in vehicle location which can affect auto insurance rates significantly.

Physical damage deductibles

One of the more difficult decisions when buying car insurance is where to set your physical damage deductibles. The following tables outline the premium difference when you buy lower versus higher comp and collision deductibles. The first rate quote example uses a $250 deductible for comp and collision and the second pricing table uses a $500 deductible.

Nissan cube insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Cube 2WD $198 $316 $294 $18 $88 $939 $78
Cube S 2WD $228 $316 $294 $18 $88 $969 $81
Cube SL 2WD $228 $384 $294 $18 $88 $1,037 $86
Cube Krom 2WD $258 $452 $294 $18 $88 $1,135 $95
Get Your Own Custom Quote Go

Nissan cube insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Cube 2WD $162 $254 $294 $18 $88 $816 $68
Cube S 2WD $186 $254 $294 $18 $88 $840 $70
Cube SL 2WD $186 $310 $294 $18 $88 $896 $75
Cube Krom 2WD $208 $364 $294 $18 $88 $972 $81
Get Your Own Custom Quote Go

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Washington minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Prices do not factor in Seattle location which can decrease or increase premiums substantially.

Using the premium rates above, we can conclude that using a $250 deductible will cost you approximately $11 more each month or $132 a year than choosing the higher $500 deductible. Since you would pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you go at least 23 months between claim filings, you would save money if you opt for a higher deductible.

How to decide to raise your deductibles

Average monthly premium for $250 deductibles: $85
Average monthly premium for $500 deductibles (subtract): – $74
Monthly savings from raising deductible: $11
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $11
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 23 months

Annual premiums comparing men and women

The diagram below shows the comparison of Nissan cube insurance premiums for male and female drivers. The rates are based on no accidents, no driving violations, full physical damage coverage, $500 deductibles, marital status is single, and no other discounts are factored in.

How high should deductibles be?

The diagram below highlights how deductible selection and can increase or decrease Nissan cube insurance costs for different age groups. The rates are based on a married female driver, comp and collision included, and no discounts are taken into consideration.

Score discounts on Seattle insurance

Insuring your vehicles can cost a lot, but you might be missing out on some discounts that you may not even know about. Many of these discounts will be applied automatically when you quote, but some may not be applied and must be requested specifically before being credited.Insurance discounts

It’s important to understand that some of the credits will not apply to the whole policy. Most only cut specific coverage prices like medical payments or collision. So despite the fact that it appears you can get free auto insurance, you’re out of luck.

To see a list of insurance companies offering insurance discounts in Seattle, click here.

Get Lower-cost Insurance Costs by Understanding These Factors

Many factors are used in the calculation when you get your auto insurance bill. Some are pretty understandable such as your driving history, but some are more obscure like where you live or how safe your car is.

Shown below are a few of the “ingredients” companies use to determine rates.

Shop online but buy locally

Some people still like to get professional advice from a licensed agent and that is a personal choice. The best thing about price shopping on the web is you may find better rates and still have a local agent.

Seattle insurance agentsUpon completion of this simple form, your coverage information is submitted to local insurance agents that give free quotes to get your business. It’s much easier because you don’t need to contact an agency since price quotes are sent straight to your inbox. You’ll get the best rates without having to waste a lot of time. If you need to get a rate quote from a specific insurance company, you would need to find their quoting web page and complete a quote there.

Finding a good company is decision based upon more than just a cheap quote. These questions are important to ask:

Below is a short list of insurance companies in Seattle that may be willing to give rate quotes for Nissan cube insurance in Seattle.

Andy Hubbard – State Farm Insurance Agent
1515 NW 52nd St aSeattle, WA 98107(206) 789-4211View Map

1705 N 45th, Ste ASeattle, WA 98103(206) 632-8000View Map

1200 5th Ave #1825Seattle, WA 98101(206) 621-6444View Map

9750 Greenwood Ave N #104Seattle, WA 98103(206) 784-5151View Map

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After getting positive feedback for all questions you ask and a good coverage price, you’ve probably found an insurance company that is reputable and can properly service your auto insurance policy.

There’s no such thing as the perfect auto insurance policy

When quoting and comparing coverage online or from an agent, there is no “perfect” insurance plan. Your situation is unique.Higher deductibles save money

For instance, these questions might point out whether you will benefit from professional help.

If you can’t answer these questions then you might want to talk to an agent. To find lower rates from a local agent, fill out this quick form.

Can you really save if you switch?

Well-known car insurance companies like Allstate and Progressive continually stream ads on television and other media. All the companies convey the message that people will save if you just switch to them. How do they all lower your rates?

Many companies require specific criteria for the type of insured they prefer to insure. For instance, a desirable risk should be over the age of 35, has a low-risk occupation, and has great credit. Someone who fits those characteristics receive the lowest rate quotes in Seattle and is almost guaranteed to save when switching.

People who do not fit those criteria will see higher premium rates and ends up with the customer buying from someone else. The ads state “people who switch” not “everyone that quotes” save money. That is how companies can state the savings. This really drives home the point why you should compare free Seattle car insurance quotes often. It’s just too difficult to predict which company will provide you with the cheapest Nissan cube insurance in Seattle.

In conclusion

Some insurance companies may not offer internet price quotes and many times these smaller companies sell through independent agencies. Budget-conscious Nissan cube insurance can be bought online as well as from independent agents in Seattle, so compare prices from both in order to have the best price selection to choose from.

We covered a lot of tips how to lower your Nissan cube insurance rates in Seattle. It’s most important to understand that the more times you quote, the higher the chance of saving money. Consumers could even find that the lowest rates come from a lesser-known regional company.

People leave their current company for a number of reasons such as policy cancellation, delays in paying claims, not issuing a premium refund and high rates after DUI convictions. No matter why you want to switch, choosing a new company is pretty easy and you might even save some money in the process.

Much more information about auto insurance in Washington can be read at these links: