Nissan cube Insurance Rates in Denver

Are you sick of overpaying and want cheaper Nissan cube insurance in Denver? Did budget coverage turn out to be an expensive auto insurance policy? Say no more because many Denver drivers feel the same as you.

Statistics show that the vast majority of auto insurance customers in Colorado have stayed with the same insurance company for well over three years, and roughly 40% of drivers have never shopped around. With the average auto insurance premium being $1,847, American drivers could save roughly $860 a year, but they just don’t understand how easy it is to find cheap rates by getting comparison quotes. Online insurance companies like GEICO, Farmers Insurance and State Farm all claim big savings, bombarding you with ad campaigns and consumers find it hard to see through the deception and effectively compare rates to find the best deal.

The companies shown below provide free rate quotes in Denver, CO. If several companies are displayed, we suggest you visit two to three different companies to get the lowest price.

Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Rate information does not factor in your specific Denver location which can impact coverage rates considerably.

Deductible analysis

One of the most common car insurance questions is which deductibles should you choose. The following tables help summarize the rate fluctuation between high and low insurance deductibles. The first rate estimation uses a $250 comprehensive and collision deductible and the second set of prices uses a $1,000 deductible.

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Rates do not factor in garaging location in Denver which can affect premium rates significantly.

Using the premium rates above, we can conclude that using a $250 deductible will cost in the ballpark of $24 more each month or $288 a year than buying the higher $1,000 deductible. Since you would pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to have at least 31 months between claim filings, you would save more money going with the higher deductible.

Poor driving habits will raise your car insurance rates

The information below illustrates how traffic citations and at-fault collisions can raise Nissan cube insurance prices for different categories of driver ages. Data assumes a married female driver, comp and collision included, $500 deductibles, and no additional discounts are factored in.

Car insurance rates by gender and age

The illustration below illustrates the difference between Nissan cube insurance rates for male and female drivers. The premium estimates are based on no claims or violations, comp and collision included, $250 deductibles, drivers are single, and no additional discounts are factored in.

Lower rates by qualifying for discounts

Car insurance is not cheap, but there could be significant discounts that you may not know about. Certain discounts will be applied when you purchase, but a few need to be inquired about before they will apply.

• Telematics Discount – Insureds that choose to allow their insurance company to study driving patterns by using a telematics device such as Progressive’s Snapshot may get a rate reduction if they have good driving habits.
• Auto/Home Discount – If you combine your auto and home policies and insure them both with the same insurance company you will save over 10 percent off each policy depending on the company.
• Discount for Passive Restraints – Factory air bags and/or automatic seat belt systems can get savings as much as 30%.
• Distant Student Discount – Youth drivers who live away from home to go to college and do not have access to a covered vehicle may qualify for this discount.
• Anti-lock Brake System – Cars, trucks, and SUVs with anti-lock braking systems can reduce accidents and earn discounts up to 10%.
• Theft Prevention Discount – Cars, trucks, and SUVs that have factory anti-theft systems are less likely to be stolen and will qualify for a discount on a Denver car insurance quote.
• Government Employee Discount – Simply working for the federal government may reduce rates when you quote Denver car insurance depending on your insurance provider.
• Sign Early and Save – A few insurance companies offer discounts for buying a new policy before your current cube insurance policy expires. You may see this discount when you get Denver car insurance quotes online.

Discounts reduce rates, but you should keep in mind that some credits don’t apply to the entire policy premium. Some only reduce the price of certain insurance coverages like comprehensive or collision. Just because you may think you would end up receiving a 100% discount, nobody gets a free ride.

A list of companies and their possible discounts are outlined below.

• Progressive has savings for good student, online signing, multi-policy, online quote discount, homeowner, and continuous coverage.
• GEICO may have discounts that include multi-policy, anti-lock brakes, military active duty, good student, anti-theft, and air bags.
• State Farm includes discounts for driver’s education, anti-theft, multiple policy, defensive driving training, and accident-free.
• Esurance may include discounts for multi-policy, safety device, good student, anti-theft, anti-lock brakes, homeowner, and emergency road assistance.
• The Hartford policyholders can earn discounts including bundle, anti-theft, driver training, good student, defensive driver, and air bag.

If you are trying to find low cost Denver car insurance quotes, ask each company or agent how you can save money. Discounts might not apply in Denver. To see insurance companies that offer some of these discounts in Denver, follow this link.

When to have guidance from an insurance agency

A lot of people still prefer to buy from a local agent and doing that can be a smart decision Licensed agents can help you choose the best coverages and give you someone to call. An additional benefit of comparing insurance prices online is the fact that you can find better rates but still work with a licensed agent. Buying from local insurance agents is especially important in Denver.

For easy comparison, once you complete this simple form, your coverage information is transmitted to agents in your area that can give you free Denver car insurance quotes for your coverage. It’s much easier because you don’t need to contact any agents due to the fact that quote results will go instantly to you. If you wish to compare rates from one company in particular, just go to their quote page and complete a quote there.

If you need to find a reputable agency, you need to know there are two different types of agents and how they are distinctly different. Denver agents can either be independent or exclusive depending on the company they work for. Both can sell affordable insurance policies, but it is a good idea to know how they are different because it can factor into the selection process.

Independent Agencies or Brokers

Agents that elect to be independent can quote rates with many companies and that gives them the ability to insure through many different insurance companies and get you the best rates possible. To transfer your coverage to a different company, an independent agent can move your coverage and you don’t have to switch agencies.

If you are comparing insurance prices, you need to get quotes from at a minimum one independent agency to have the most options to choose from.

Shown below is a partial list of independent agents in Denver who can help you get free insurance quotes.

More Denver agents

Exclusive Agents

Agents that choose to be exclusive generally can only insure with one company like Farmers Insurance, State Farm, Allstate, and AAA. These agents are not able to compare rates from other companies so you might not find the best rates. Exclusive agencies are very knowledgeable on their company’s products which helps them sell on service rather than price.

Listed below are exclusive insurance agents in Denver that are able to give price quotes.

More Denver agents

Finding the right insurance agent shouldn’t rely on just a cheap quote. Agents should be asked these questions:

• Are all drivers listed on the coverage quote?
• Does the agent have professional designations like CIC, CPCU or AIC?
• Do they have any clout with companies to ensure a fair claim settlement?
• Are they involved in claim handling?
• What company holds the largest book of business for them?
• Do they receive special compensation for putting your coverage with one company over another?
• Who are their largest clients?

Why Smart Consumers Pay Less for Nissan cube Insurance

Lots of things are used in the calculation when premium rates are determined. Most are fairly basic like a motor vehicle report, but others are less obvious like your vehicle usage or your vehicle rating.

• Use one insurance company and save – Most major companies afford a discount to insureds who have multiple policies with them, otherwise known as a multi-policy discount. This can amount to 10 percent or more. Even with this discount applied, you still need to comparison shop to confirm you are receiving the best rates possible. It’s possible to still find better rates by buying from different companies
• Annual mileage and car insurance premiums – The higher the mileage driven every year the more it will cost to insure it. Most insurance companies rate vehicles based on their usage. Cars that have low annual miles cost less to insure than cars that get driven a lot. A policy that improperly rates your cube may be costing you higher rates. Make sure your insurance declarations sheet is rated on the correct usage.
• Females pay lower prices – Statistics demonstrate that females tend to be a little less risky than males. However, don’t assume that men are WORSE drivers than women. Men and women are in accidents in similar percentages, but males tend to have more serious accidents. Men also tend to receive more costly citations like DWI (DUI) or reckless driving. Youthful male drivers have the highest risk to insure so they pay the highest premiums.
• High coverage deductibles lower premiums – The deductibles you choose tell how much you are willing to pay before a claim is paid by your company. Physical damage insurance, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your car. Examples of some claims that would be covered could be colliding with a stationary object, damage caused by hail, or theft of your vehicle. The more you are required to pay out-of-pocket, the better rate you will receive.
• Pay more by driving carelessly – Good drivers receive lower rates compared to drivers with tickets. Even one ticket can increase the cost of insurance twenty percent or more. Drivers unfortunate enough to have careless violations like DUI or willful reckless driving may need to maintain a SR-22 with their state’s department of motor vehicles in order to continue driving.
• Always have insurance – Driving your car without having proper coverage can get you a ticket and you may have a hard time finding new coverage because you let your insurance coverage expire. And not only will your rates increase, being ticketed for driving with no insurance might get you a fine, jail time, or a revoked license.
• Safer occupants lowers premiums – Safer cars are cheaper to insure. Vehicles built for safety reduce the chance of injuries and lower injury rates means lower claim amounts which can mean better rates for you.
• High performance equals high premiums – The performance of the vehicle you are buying insurance for makes a substantial difference in your car insurance bill. Due to the fact that the Nissan cube is classified as a crossover, rates will be slightly more compared to average rates in Denver. The lowest performance passenger models normally have pretty low rates, but many other things help determine your insurance rates.

Choosing the best Nissan cube insurance in Colorado is an important decision

Despite the high cost, insurance may be mandatory for several reasons.

First, almost all states have mandatory insurance requirements which means you are required to carry specific limits of liability insurance in order to license the vehicle. In Colorado these limits are 25/50/15 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.

Second, if you took out a loan on your cube, it’s guaranteed your bank will have a requirement that you buy insurance to protect their interest in the vehicle. If you do not pay your insurance premiums, the bank or lender will purchase a policy for your Nissan at a much higher premium rate and require you to fork over for it.

Third, insurance safeguards both your Nissan and your personal assets. It will also reimburse you for medical transport and hospital expenses for not only you but also any passengers injured in an accident. One policy coverage, liability insurance, will also pay to defend you if you are sued as the result of an accident. If mother nature or an accident damages your car, comprehensive and collision coverage will cover the damage repairs after a deductible is paid.

The benefits of insuring your cube are without a doubt worth the cost, particularly when you have a large claim. An average driver in America overpays more than $830 a year so compare rates at every policy renewal to help ensure money is not being wasted.

You can find cheap coverage

Lower-priced auto insurance in Denver is attainable both online in addition to many Denver insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. A few companies may not provide online rate quotes and many times these regional insurance providers provide coverage only through independent agencies.

We’ve covered many ideas to compare Nissan cube insurance rates in Denver. The key concept to understand is the more price quotes you have, the higher the chance of saving money. You may even find the biggest savings come from a lesser-known regional company. Some small companies can often provide lower car insurance rates in certain areas than the large multi-state companies such as Allstate, GEICO and Progressive.

As you restructure your insurance plan, do not skimp on critical coverages to save a buck or two. Too many times, consumers will sacrifice uninsured motorist or liability limits and found out when filing a claim they didn’t have enough coverage. Your objective should be to get the best coverage possible at the best cost while still protecting your assets.

Additional information can be read at the links below

• Auto Insurance for Teen Drivers (Insurance Information Institute)
• Who Has the Cheapest Auto Insurance for Homeowners in Denver? (FAQ)
• What Insurance is Cheapest for a Nissan Altima in Denver? (FAQ)
• What to do at the Scene of an Accident (Insurance Information Institute)
• Vehicle Safety Ratings (iihs.org)
• Teen Driver Statistics (Insurance Information Institute)