Amazingly, the vast majority of drivers have purchased from the same company for over three years, and virtually 40% of consumers have never compared quotes from other companies. North Carolina insurance shoppers could save roughly 10% every year by just shopping around, but they just assume it’s a time-consuming process to compare rate quotes online.
If your goal is the lowest price, then the best way to find more affordable Nissan cube insurance is to compare quotes once a year from different companies who sell auto insurance in Raleigh. Price quotes can be compared by following these guidelines.
- Step 1: Take a little time to learn about policy coverages and the measures you can take to keep rates in check. Many policy risk factors that cause rate increases like at-fault accidents and a negative credit history can be controlled by making minor driving habit or lifestyle changes.
- Step 2: Compare price quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can give quotes from a single company like GEICO or Farmers Insurance, while independent agencies can provide price quotes from multiple insurance companies. Compare rates now
- Step 3: Compare the price quotes to your current policy to determine if switching companies saves money. If you find a lower rate quote and switch companies, make sure there is no lapse between the expiration of your current policy and the new one.
- Step 4: Provide proper notification to your current company of your decision to cancel the current policy. Submit a signed application and payment for your new policy. Immediately store the certificate verifying coverage in an accessible location in your vehicle.
One important bit of advice is to try to compare identical coverage information on every quote request and and to compare as many carriers as you can. This helps ensure a fair price comparison and the best rate selection.
Get cheaper rates by taking advantage of discounts
Auto insurance companies don’t necessarily list every policy discount very clearly, so the list below contains some of the more common and also the more inconspicuous credits available to bring down your rates.
- Waiver for an Accident – Not necessarily a discount, but some insurance companies may permit one accident without the usual rate increase so long as you haven’t had any claims before the accident.
- Federal Government Employee – Federal government employees may reduce rates when you quote Raleigh auto insurance with a few auto insurance companies.
- Multi-Vehicle Discounts – Insuring all your vehicles on the same auto insurance policy could earn a price break for each car.
- Distant Student – Older children who attend college more than 100 miles from Raleigh and won’t have access to an insured vehicle may qualify for this discount.
- Onboard Data Collection – People who choose to allow companies to look at where and when they drive by using a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system might get better premium rates if they exhibit good driving behavior.
- Low Mileage Discounts – Driving fewer miles may enable drivers to earn substantially lower premium rates.
Remember that many deductions do not apply to the overall cost of the policy. Most only cut specific coverage prices like collision or personal injury protection. Even though it appears all those discounts means the company will pay you, nobody gets a free ride. Any qualifying discounts will lower the amount you pay for coverage.
The example below illustrates the difference between Nissan cube auto insurance rates with and without discounts applied. The rate quotes are based on a female driver, no violations or claims, North Carolina state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, claim-free, safe-driver, homeowner, and marriage discounts applied.
Insurance companies that may offer policyholders most of these discounts include:
When quoting, ask each company which credits you are entitled to. All car insurance discounts may not be available everywhere. To find insurance companies who offer auto insurance discounts in Raleigh, click here to view.
When shopping for affordable Nissan cube insurance quotes, there are a couple of ways of comparing rates from auto insurance companies in your area. One of the best ways to lower the rate you pay for insurance is to use the internet to compare rates.
When quoting auto insurance, remember that comparing a large number of companies helps increase your odds of locating a better price.
The companies in the list below provide quotes in North Carolina. To locate cheaper auto insurance in Raleigh, NC, we recommend you compare several of them in order to find the lowest rates.
Coverage information
The data table below highlights a range of insurance coverage prices for Nissan cube models. Having insight into how prices are formulated is important for making decisions on the best policy coverages.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Cube 2WD | $144 | $262 | $262 | $16 | $78 | $762 | $64 |
| Cube S 2WD | $166 | $262 | $262 | $16 | $78 | $784 | $65 |
| Cube SL 2WD | $166 | $318 | $262 | $16 | $78 | $840 | $70 |
| Cube Krom 2WD | $186 | $374 | $262 | $16 | $78 | $916 | $76 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and North Carolina minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Table data does not factor in specific garaging location which can revise rates substantially.
Higher deductibles lower rates
When buying insurance, a common question is how high should the physical damage coverage deductibles be. The figures shown below can help show the differences in premium rates when you select higher and lower coverage deductibles. The first rate comparisons uses a $100 deductible for comp and collision and the second price grid uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Cube 2WD | $186 | $318 | $250 | $14 | $74 | $867 | $72 |
| Cube S 2WD | $214 | $318 | $250 | $14 | $74 | $895 | $75 |
| Cube SL 2WD | $214 | $386 | $250 | $14 | $74 | $963 | $80 |
| Cube Krom 2WD | $242 | $456 | $250 | $14 | $74 | $1,061 | $88 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Cube 2WD | $104 | $168 | $250 | $14 | $74 | $610 | $51 |
| Cube S 2WD | $118 | $168 | $250 | $14 | $74 | $624 | $52 |
| Cube SL 2WD | $118 | $204 | $250 | $14 | $74 | $660 | $55 |
| Cube Krom 2WD | $134 | $240 | $250 | $14 | $74 | $712 | $59 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Rate quotes do not factor in specific garaging location which can affect rates considerably.
Using the premium rates above, we can conclude that using a $100 deductible costs approximately $25 more each month or $300 annually across all Nissan cube models than choosing the higher $1,000 deductible. Because you would be required to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you normally go more than 36 months between claim filings, you would probably save some money by going with a higher deductible.
How to decide to raise your deductibles
| Average monthly premium for $100 deductibles: | $79 |
| Average monthly premium for $1,000 deductibles (subtract): | – $54 |
| Monthly savings from raising deductible: | $25 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $25 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 36 months |
Illustration showing the impact of accidents and violations
The example below demonstrates how speeding tickets and accidents influence Nissan cube premium costs for different insured age categories. The data is based on a married female driver, full physical damage coverage, $500 deductibles, and no discounts are factored in.
Find Nissan cube Insurance More Affordably
When buying car insurance it’s important to understand the rating factors that play a part in calculating the price you pay for car insurance. If you have a feel for what determines premiums, this helps enable you to make changes that can earn you lower premium levels. Lots of things are used when you get a price on insurance. A few of the factors are predictable such as your driving history, but other criteria are not as apparent such as your credit history or how financially stable you are.
- Premiums may be lower depending on your job – Careers such as judges, business owners, and stock brokers usually pay higher premium rates due to high stress levels and long work hours. Conversely, careers like scientists, athletes and the unemployed have the lowest average rates.
- Bundle policies and save – Most major companies provide discounts to policyholders who carry more than one policy such as combining an auto and homeowners policy. If you currently are using one company, it’s in your best interest to check prices from other companies to verify if the discount is saving money. It’s possible to still find a better deal even if you insure with multiple companies
- Lower car insurance rates with alarm systems – Selecting a car model with advanced anti-theft systems can earn a premium discount. Anti-theft devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all help stop car theft and help bring rates down.
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Performance makes a difference – The performance level of the vehicle you are trying to find cheaper insurance for makes a huge difference in your rates. The lowest premiums tend to be for low performance passenger vehicles, but your final cost has many other factors.
The following data assumes a married female driver age 50, full coverage with $1000 deductibles, and no discounts or violations. The data compares Nissan cube policy rates compared to other models of vehicles that have different performances.
- Add-on coverages are wasting money – Insurance companies have many add-on coverages that may not really be needed but may not be useful. Add-on coverages like rental car coverage, high-cost glass coverage, and extra life insurance coverage are probably not needed. They may seem good at first, but now you might not need them so remove them from your policy.
- Poor credit decisions can cost you – Having a good credit score is likely to be a major factor in determining what you pay for car insurance. Consumers who have excellent credit tend to be better risks to insure than those with lower ratings. So if your credit history is lower than you’d like, you could potentially save money when insuring your Nissan cube by improving your credit score.
Tailor your insurance coverage to you
When it comes to buying insurance from an agent or online for your vehicles, there really is not a “perfect” insurance plan. You are unique.
These are some specific questions could help you determine whether you would benefit from an agent’s advice.
- What is GAP insurance?
- If my car is totaled with they pay enough to replace it?
- Who is covered when they drive my Nissan cube?
- When should my teen driver be added to my policy?
- I have a DUI can I still get coverage?
- What can I do if my company won’t pay a claim?
- How can I get high-risk coverage after a DUI?
- Can I rate high risk drivers on liability-only vehicles?
If you don’t know the answers to these questions then you might want to talk to an agent. To find an agent in your area, fill out this quick form.
Get rate quotes but buy from a neighborhood Raleigh auto insurance agent
A small number of people would prefer to talk to an insurance agent and that is OK! A good thing about price shopping on the web is you can get cheap car insurance rates and still have a local agent. And buying from neighborhood agents is definitely important in Raleigh.
By using this quick form, the coverage information gets sent to local insurance agents who want to provide quotes and help you find cheaper coverage. There is no need to leave your house because prices are sent immediately to you. Get lower rates without the usual hassles of price shopping. If for some reason you want to get a comparison quote for a specific company, don’t hesitate to jump over to their website and fill out the quote form the provide.
If you are searching for a reliable insurance agency, it can be helpful to understand the different types of agencies from which to choose. Raleigh agents can be classified as either independent (non-exclusive) or exclusive.
Independent Car Insurance Agents
Independent insurance agents do not work for one specific company so they can quote policies with any number of different companies depending on which coverage is best. If your premiums go up, the business is moved internally and that require little work on your part.
When comparing car insurance prices, you absolutely need to include independent agents to have the most options to choose from. Most can insure with companies you’ve never heard of that may have much lower rates than larger companies.
Featured below are independent agencies in Raleigh who may be able to give you competitive price quotes.
- Carolina Capital Insurance Group
1100 Logger Ct., Bldg. D-101 – Raleigh, NC 27609 – (919) 747-9002 – View Map - Nationwide Insurance: Christopher D Edwards Agency
3901 Capital Blvd Ste 121 – Raleigh, NC 27604 – (919) 872-0130 – View Map - Superior Insurance of Raleigh
2431 Spring Forest Rd #123 – Raleigh, NC 27615 – (919) 261-6164 – View Map
Exclusive Agencies
Agents of this type can only provide pricing for a single company and examples are State Farm, Allstate, or Farmers Insurance. They usually cannot place coverage with different providers so they have to upsell other benefits. Exclusive agencies are very knowledgeable on the products they sell which can be an advantage. Drivers often use the same exclusive agent primarily because of high brand loyalty rather than low price.
The following are exclusive insurance agents in Raleigh that are able to give rate quotes.
- Tom Patterson – State Farm Insurance Agent
805 Spring Forest Rd #1400 – Raleigh, NC 27609 – (919) 954-1340 – View Map - Karen Boone – State Farm Insurance Agent
5603 Creedmoor Rd – Raleigh, NC 27612 – (919) 782-6666 – View Map - Amanda Hagood – State Farm Insurance Agent
5910 Duraleigh Rd #135 – Raleigh, NC 27612 – (919) 834-3615 – View Map
Deciding on a insurance agency requires you to look at more than just a cheap quote. Below are some questions you should ask.
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- Do they make recommendations based only on price?
- Is the coverage adequate for your vehicle?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Do they offer accident forgiveness?
After receiving acceptable answers to all your questions as well as a affordable price, you may have just found an insurance agent that is a good match to provide car insurance coverage.
Insurance protects more than just your car
Even though it can be expensive, buying insurance is required for several reasons.
- Most states have mandatory insurance requirements which means you are required to carry specific limits of liability protection if you want to drive legally. In North Carolina these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you bought your vehicle with a loan, almost all lenders will make it a condition of the loan that you have full coverage to guarantee loan repayment. If you cancel or allow the policy to lapse, the lender will be forced to insure your Nissan for a lot more money and force you to pay for the much more expensive policy.
- Insurance protects both your assets and your Nissan. It will also reimburse you for all forms of medical expenses that are the result of an accident. Liability insurance will also pay attorney fees if you are sued as the result of an accident. If mother nature or an accident damages your car, your insurance policy will cover the repair costs.
The benefits of having insurance are without a doubt worth the cost, especially when you need to use it. In a recent study of 1,000 drivers, the average customer is overpaying over $825 a year so we recommend shopping around at every policy renewal to ensure rates are competitive.
Best auto insurance company in Raleigh
Picking a good quality auto insurance company is hard considering how many choices you have in North Carolina. The company information below may help you choose which coverage providers you want to consider shopping your coverage with.
Top 10 Raleigh Car Insurance Companies Overall
- Travelers
- USAA
- Mercury Insurance
- AAA Insurance
- Nationwide
- Allstate
- State Farm
- The Hartford
- Safeco Insurance
- Progressive
Top 10 Raleigh Car Insurance Companies Ranked by Customer Service
- USAA
- Travelers
- Mercury Insurance
- AAA Insurance
- Nationwide
- Safeco Insurance
- Progressive
- State Farm
- The Hartford
- The General
Quote more and you will save more
Insureds change insurance companies for any number of reasons including poor customer service, questionable increases in premium, extreme rates for teen drivers and even not issuing a premium refund. Regardless of your reason for switching companies, finding the right car insurance provider is not as difficult as it may seem.
More affordable car insurance in Raleigh can be sourced both online and also from your neighborhood Raleigh agents, so you should be comparing quotes from both so you have a total pricing picture. A few companies may not provide the ability to get quotes online and most of the time these regional insurance providers provide coverage only through independent agencies.
Throughout this article, we presented some good ideas how you can get a better price on Nissan cube insurance in Raleigh. It’s most important to understand that the more quotes you get, the better your comparison will be. Consumers could even find that the lowest priced car insurance comes from a smaller regional carrier.
More detailed car insurance information is located by following these links:
- Safe Vehicles for Teens (iihs.org)
- What Insurance is Cheapest for Drivers Over Age 60 in Raleigh? (FAQ)
- Who Has Cheap Auto Insurance Rates for Handicapped Drivers in Raleigh? (FAQ)
- What Car Insurance is Cheapest for 19 Year Olds in Raleigh? (FAQ)
- Who Has Affordable Auto Insurance for a 20 Year Old Female in Raleigh? (FAQ)
- Shopping for a Safe Car (Insurance Information Institute)
- Winter Driving (Insurance Information Institute)