How many times have you said it’s time to compare low-cost Nissan cube insurance in Miami? Finding low-cost insurance for a Nissan cube in Florida can be a painful process, but you can use a few tricks to save time. There is a better way to compare auto insurance rates and we’ll show you the proper way to compare rates for a new or used Nissan and get the lowest possible price from Miami insurance agents and online providers.
You need to price shop coverage quite often since prices tend to go up over time. Even if you think you had the lowest price on Nissan cube insurance in Miami on your last policy you can probably find a lower rate today. Forget all the misinformation about auto insurance because I’m going to let you in on the secrets to the tricks you need to know to reduce your cost while improving coverage.
If you already have coverage or need new coverage, you can follow these tips to find better prices while maximizing coverage. Getting quotes for more affordable protection in Miami is quite easy. Vehicle owners only need to know the most effective way to shop online from multiple companies.
Lower-cost Nissan cube insurance rates in Miami
Buying auto insurance is not cheap, but companies offer discounts that you may not even know about. Larger premium reductions will be automatically applied at quote time, but some discounts are required to be inquired about before you will receive the discount.
- Discount for Multiple Policies – If you can combine your auto and home policy and insure them with the same company you will save up to 20% and get you the cheapest Nissan cube insurance in Miami.
- No Accidents – Claim-free drivers get the best auto insurance rates compared to drivers who are more careless.
- Driver Training Discounts – Passing a course teaching defensive driver skills could possibly earn you a 5% discount and also improve your driving technique.
- Low Mileage Discounts – Fewer annual miles on your Nissan may allow you to get substantially lower prices.
- Passenger Safety Discount – Cars that have air bags could see savings of more than 20%.
- Distant Student – Any of your kids who are enrolled in higher education away from home and leave their car at home can receive lower rates.
- Good Student Discount – Excelling in school may save you up to 25%. Earning this discount can benefit you up until you turn 25.
Drivers should understand that most discount credits are not given to the whole policy. Most only reduce the price of certain insurance coverages like collision or personal injury protection. So when it seems like having all the discounts means you get insurance for free, that’s just not realistic.
The example below compares Nissan cube premium costs with and without discounts applied to the policy premium. The rates are based on a female driver, no claims or violations, Florida state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-policy, marriage, multi-car, safe-driver, and claim-free discounts applied.
A few companies that possibly offer these discounts include:
Check with each insurance company how many discounts you can get. Some credits might not be offered on policies in your area. For a list of companies who offer free Nissan cube insurance quotes in Florida, click this link.
All major car insurance companies give prices for coverage on the web. The process is possible for anyone because you just enter the amount of coverage you want into the form. After the form is submitted, the quote system automatically retrieves your credit score and driving record and generates a price based on many factors.
The ability to get online price quotes for Nissan cube insurance in Miami makes it a lot easier to compare rates and it’s also necessary to perform this step in order to find a better rate.
If you want to find out how much you can save on car insurance, compare rate quotes from the providers shown below. If you have your current policy handy, we recommend you duplicate deductibles and limits exactly as they are listed on your policy. This makes sure you’re receiving rate quotes based on similar coverages.
The providers in the list below are ready to provide price quotes in Florida. If you want to find the best cheap car insurance in Miami, FL, we suggest you get price quotes from several of them to get the most competitive price.
Analysis of Nissan cube rates
The coverage information displayed below covers detailed analysis of insurance premium costs for Nissan cube models. Having a better understanding of how rate quotes are formulated can assist in making decisions when choosing a new policy provider.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Cube 2WD | $134 | $234 | $392 | $24 | $118 | $902 | $75 |
| Cube S 2WD | $154 | $234 | $392 | $24 | $118 | $922 | $77 |
| Cube SL 2WD | $154 | $284 | $392 | $24 | $118 | $972 | $81 |
| Cube Krom 2WD | $174 | $334 | $392 | $24 | $118 | $1,042 | $87 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Information does not factor in specific garaging location which can change coverage prices noticeably.
Deductible comparison
When comparing auto insurance rates, the most common question is how high should the physical damage deductibles be. The comparisons below determine the difference in cost when you select higher and lower deductibles. The first set of prices uses a $250 physical damage deductible and the second data table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Cube 2WD | $280 | $446 | $418 | $24 | $124 | $1,317 | $110 |
| Cube S 2WD | $322 | $446 | $418 | $24 | $124 | $1,359 | $113 |
| Cube SL 2WD | $322 | $544 | $418 | $24 | $124 | $1,457 | $121 |
| Cube Krom 2WD | $364 | $640 | $418 | $24 | $124 | $1,595 | $133 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Cube 2WD | $228 | $360 | $418 | $24 | $124 | $1,154 | $96 |
| Cube S 2WD | $262 | $360 | $418 | $24 | $124 | $1,188 | $99 |
| Cube SL 2WD | $262 | $438 | $418 | $24 | $124 | $1,266 | $106 |
| Cube Krom 2WD | $296 | $516 | $418 | $24 | $124 | $1,378 | $115 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Prices do not factor in specific garaging location which can increase or decrease premium rates significantly.
We can derive from the above data that using a $250 deductible costs approximately $15 more each month or $180 each year across all Nissan cube models than opting for the higher $500 deductible. Since you would have to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you average at a minimum 17 months between claim filings, you would save money by going with a higher deductible. Here’s the way this calculation is made.
| Average monthly premium for $250 deductibles: | $119 |
| Average monthly premium for $500 deductibles (subtract): | – $104 |
| Monthly savings from raising deductible: | $15 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $15 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 17 months |
Comparison of auto insurance rates by gender and age
The diagram below shows the comparison of Nissan cube premium costs for male and female drivers. The rate quotes are based on no claims or violations, comp and collision included, $100 deductibles, marital status is single, and no additional discounts are factored in.
Why Smart Buyers Pay Less for Nissan cube Insurance
Consumers need to have an understanding of the rating factors that are used to determine your premiums. When you understand what influences your rates, this helps enable you to make changes that could result in lower premium levels.
The following are a few of the “ingredients” used by your company to calculate rates.
More performance means higher prices – The performance of the car, truck or SUV you are buying insurance for makes a huge difference in how high your rates are. Low performance passenger models usually are quite affordable to insure, but there are many factors that impact the final cost.
The following chart is based on a single female driver age 50, full coverage with $250 deductibles, and no discounts or violations. It illustrates Nissan cube car insurance rates compared to other vehicles that have a range of performance rating factors.
Save money with GPS tracking and theft deterrents – Choosing a vehicle with an alarm system can help bring down rates. Theft prevention devices such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack can thwart your car from being stolen.
Always keep your policy in place – Driving your car without having proper coverage is not a good idea and your next policy will cost more because you let your coverage lapse. In addition to paying higher premiums, being ticketed for driving with no insurance might get you fines or a revoked license. You may then have to provide proof of insurance in the form of an SR-22 filing with the Florida motor vehicle department.
Vocation and insurance rates – Occupations such as military personnel, airline pilots, and financial analysts generally pay higher average rates attributed to job stress and incredibly demanding work hours. Conversely, professions such as farmers, historians and performers pay lower than average rates.
Poor credit can mean higher premiums – Your credit score can be an important factor in calculating your auto insurance rates. So if your credit rating is not that good, you could pay less to insure your Nissan cube by improving your rating. Insureds with excellent credit tend to file fewer claims than drivers with worse credit.
Do you qualify for a multi-policy discount? – Some insurers provide better rates for people who consolidate policies with them such as combining an auto and homeowners policy. Even with this discount, drivers will still want to comparison shop to ensure the best deal.
When to get professional advice
When it comes to buying the best insurance coverage, there really isn’t a best way to insure your cars. Your situation is unique and your insurance should be unique as well. These are some specific questions can help discover whether you will benefit from professional help.
- Why am I required to buy liability insurance?
- Do I need special coverage while pulling a rented trailer?
- What is the ISO rating for a Nissan cube?
- Am I covered when renting a car or should I buy coverage from the car rental agency?
- How much liability coverage do I need in Florida?
- Will my Nissan cube be repaired with OEM or aftermarket parts?
- Do I have coverage if my license is suspended?
- Is my camper covered by my car insurance policy?
If you can’t answer these questions, you may need to chat with a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier It only takes a few minutes and you can get the answers you need.
Insurance agents near you
Some consumers just prefer to buy from a local agent and there is nothing wrong with that. Good insurance agents can answer important questions and help you file claims. A good thing about getting free rate quotes online is the fact that you can find the best rates and still buy from a local agent.
After completing this quick form, your insurance coverage information is immediately sent to local insurance agents in Miami who will give you quotes for your insurance coverage. There is no need to do any legwork because prices are sent directly to you. If you want to compare rates from a specific insurance company, don’t hesitate to search and find their rate quote page and give them your coverage information.
Choosing an insurance company requires more thought than just a cheap quote. Any agent in Miami should be willing to answer these questions.
- What is their Better Business Bureau rating?
- Can you use your own choice of collision repair facility?
- How would your car be valued if totaled?
- What kind of financial rating does the company have?
- How long has the business existed?
- Do they have designations such as AIC, CPCU, or CIC?
If you want to use a reliable insurance agent, it can be helpful to understand the different agency structures and how they differ in how they can insure your vehicles. Agents in Miami can be categorized as either exclusive or independent (non-exclusive). Both can sell and service car insurance coverage, but it’s important to point out the difference in the companies they write for because it can impact your agent selection.
Exclusive Agencies
Exclusive insurance agents can only provide one company’s prices such as Farmers Insurance or State Farm. Exclusive agencies are unable to provide prices from multiple companies so keep that in mind. Exclusive agencies are usually well trained in insurance sales which helps them sell on service rather than price. Consumers often buy from the same agent for years mostly because of the prominent brand name and solid financial strength.
The following is a short list of exclusive insurance agencies in Miami who can help you get price quote information.
- Mario Obregon – State Farm Insurance Agent
6701 Sunset Dr #115 – South Miami, FL 33143 – (305) 661-7667 – View Map - Clark Alvarado – State Farm Insurance Agent
5209 NW 36th St – Miami Springs, FL 33166 – (305) 887-9543 – View Map - Rick Burke – State Farm Insurance Agent
2250 S Dixie Hwy Ste. 2 – Miami, FL 33133 – (305) 860-0616 – View Map
Independent Car Insurance Agencies
Independent agents do not have single company limitations so they can write business with a variety of different insurance companies and help determine which has the cheapest rates. If you want to switch companies, they simply move the coverage in-house and you don’t have to find a new agent. If you need lower rates, we recommend you get quotes from independent agents in order to compare the most rates. A lot of them also have access to mutual insurance companies which could offer lower prices.
The following are independent agents in Miami that can give you rate quotes.
- Avante Insurance Agency
7490 W Flagler St – Miami, FL 33144 – (305) 648-7070 – View Map - Estrella Insurance #101
3750 W Flagler St – Miami, FL 33134 – (305) 446-6822 – View Map - CHECKMARK INSURANCE AGENCY – Auto and Homeowners Insurance Agents
1375 NW 36th St – Miami, FL 33142 – (305) 638-1280 – View Map
Three reasons to insure your vehicle
Despite the high cost of buying insurance for a Nissan cube in Miami, insurance is required for several reasons.
- Almost all states have compulsory liability insurance requirements which means you are required to buy specific limits of liability coverage in order to drive the car. In Florida these limits are 10/20/10 which means you must have $10,000 of bodily injury coverage per person, $20,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If your Nissan cube has a lienholder, almost all lenders will make it a condition of the loan that you have full coverage to ensure the loan is repaid in case of a total loss. If the policy lapses, the lender will be forced to insure your Nissan at a much higher rate and make you pay the higher premium.
- Insurance protects both your car and your personal assets. It will also pay for hospital and medical expenses for you, any passengers, and anyone injured in an accident. Liability coverage also pays for attorney fees and expenses if you are sued as the result of your driving. If damage is caused by hail or an accident, comprehensive and collision coverage will pay to have it repaired.
The benefits of having insurance more than cancel out the cost, especially for larger claims. According to a survey of 1,000 drivers, the average driver is currently overpaying as much as $800 each year so you should quote rates once a year at a minimum to save money.
Miami auto insurance companies ranked
Ending up with a good quality insurer is hard considering how many companies provide coverage in Florida. The information in the next section can help you choose which providers to look at purchasing a policy from.
Top 10 Miami Car Insurance Companies Ranked by Value
- Mercury Insurance
- Travelers
- American Family
- AAA Insurance
- Safeco Insurance
- Progressive
- The Hartford
- The General
- 21st Century
- Esurance
In conclusion
Cost effective Nissan cube insurance is attainable from both online companies in addition to many Miami insurance agents, and you should compare price quotes from both to get a complete price analysis. There are still a few companies who do not offer rates over the internet and many times these small, regional companies provide coverage only through independent insurance agencies.
We just covered a lot of techniques to compare Nissan cube insurance premium rates in Miami. The key thing to remember is the more companies you get prices for, the better likelihood of getting affordable Nissan cube insurance quotes. You may even be surprised to find that the lowest premium rates are with some of the smallest insurance companies. These smaller insurers may only write in your state and offer lower prices compared to the large companies like Allstate or State Farm.
Steps to finding low-cost Nissan cube insurance in Miami
If you want to find the absolute lowest rates, then the best way to get the cheapest auto insurance rates in Miami is to start comparing rates regularly from insurance carriers who can sell car insurance in Florida. Rates can be compared by following these steps.
- Gain an understanding of how auto insurance works and the factors you can control to lower rates. Many rating factors that increase rates such as traffic violations and an imperfect credit rating can be remedied by improving your driving habits or financial responsibility.
- Compare rates from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can give quotes from one company like Progressive and State Farm, while independent agents can quote prices from multiple insurance companies. Begin your rate comparison
- Compare the price quotes to your existing policy to see if a cheaper price is available. If you can save some money, make sure the effective date of the new policy is the same as the expiration date of the old one.
An important note is to make sure you’re comparing the same amount of coverage on every quote request and and to get price quotes from as many companies as possible. Doing this guarantees a fair rate comparison and and a good selection of different prices.
Additional information can be found at the links below
- Anti-Lock Brake FAQ (iihs.org)
- Who Has Affordable Car Insurance for Police Officers in Miami? (FAQ)
- How Much are Car Insurance Quotes for Drivers with Accidents in Miami? (FAQ)
- Who Has Affordable Miami Car Insurance Quotes for Infrequent Drivers? (FAQ)
- Who Has Affordable Car Insurance for a Toyota Camry in Miami? (FAQ)
- How Much are Miami Car Insurance Rates for a Toyota RAV4? (FAQ)
- Who Has Cheap Auto Insurance Rates for Drivers Over Age 60 in Miami? (FAQ)
- Prom Night Tips for Teen Drivers (State Farm)
- Eight Auto Insurance Myths (Insurance Information Institute)