How many times have you told yourself to find more affordable auto insurance rates in Portland, OR? Portland shoppers have many options when shopping for affordable Nissan cube insurance. You can either spend your time struggling with agents trying to get quotes or utilize the internet to make rate comparisons.
There is a better way to buy auto insurance and we’ll show you the best way to quote coverages for a new or used Nissan and obtain the lowest possible price from Portland insurance agents and online providers.
Everyone knows that insurance companies want to prevent you from shopping around. Drivers who shop around once a year will probably switch auto insurance companies because of the good chance of finding a lower-priced policy. A recent survey found that drivers who routinely compared quotes saved approximately $3,500 over four years as compared to drivers who didn’t regularly shop around.
If finding discount rates on Nissan cube insurance in Portland is why you’re reading this, learning how to get rate quotes and compare insurance rates can help simplify the process.
You need to do price comparisons yearly since insurance prices are usually higher with each renewal. Just because you found the lowest price on Nissan cube insurance in Portland a few years ago there is a good chance you can find better rates now. Forget all the misinformation about auto insurance because I’m going to teach you how to use the internet to find better rates and still maintain coverage.
These techniques will let you in on the most effective ways to compare rates and some tips to save money. If you are paying for car insurance now, you stand a good chance to be able to buy cheaper insurance using the tips covered below. Smart shoppers just have to use the fastest way to buy insurance instantly.
Cutting your auto insurance rates is surprisingly easy. The only thing you need to do is take a couple of minutes to compare rates to find the company with the cheapest Nissan cube rate quotes.
The companies in the list below have been selected to offer quotes in Portland, OR. If multiple companies are listed, we recommend you get rates from several of them to get the cheapest price.
Rates and statistics
The table shown next highlights detailed analysis of prices for Nissan cube models. Being aware of how insurance prices are figured is important for drivers to make informed purchases.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Cube S 2WD||$132||$222||$362||$22||$108||$846||$71|
|Cube SL 2WD||$132||$270||$362||$22||$108||$894||$75|
|Cube Krom 2WD||$148||$318||$362||$22||$108||$958||$80|
|Get Your Own Custom Quote Go|
Data rating is based on single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Oregon minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Table data does not factor in specific Portland garaging location which can change insurance rates substantially.
Careless driving habits raise car insurance rates
The information below shows how traffic citations and at-fault claims can raise Nissan cube premium costs for different age categories. The costs are based on a single female driver, comp and collision included, $100 deductibles, and no discounts are factored in.
Price comparison of only insuring for liability
The illustration below visualizes the comparison of Nissan cube annual premium costs with liability coverage only compared to full coverage. The data is based on no claims or violations, $100 deductibles, marital status is single, and no discounts are applied.
When to drop full coverage
There is no definitive guideline to stop buying physical damage coverage, but there is a guideline you can use. If the annual cost of having full coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then you might consider buying liability only.
For example, let’s assume your Nissan cube settlement value is $6,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most your company will settle for is $5,000 after the policy deductible has been paid. If it’s costing in excess of $500 a year for your policy with full coverage, the it may be a good time to stop paying for full coverage.
There are a few situations where dropping physical damage coverage is not in your best interest. If you haven’t paid off your loan, you have to maintain full coverage in order to prevent your loan from defaulting. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should not drop full coverage.
Three main reasons to buy insurance
Despite the potentially high cost of Nissan cube insurance, insuring your vehicle serves a purpose in several ways.
- Just about all states have mandatory liability insurance requirements which means you are required to carry a specific minimum amount of liability insurance in order to drive the car. In Oregon these limits are 25/50/20 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $20,000 of property damage coverage.
- If your cube has a loan, it’s guaranteed your bank will make it mandatory that you buy full coverage to protect their interest in the vehicle. If you default on your policy, the lender may insure your Nissan at a much higher rate and require you to fork over a much higher amount than you were paying before.
- Insurance protects your vehicle and your assets. It will also provide coverage for medical transport and hospital expenses for both you and anyone you injure as the result of an accident. One policy coverage, liability insurance, will also pay attorney fees in the event you are sued. If your vehicle suffers damage from an accident or hail, collision and comprehensive (also known as other-than-collision) coverage will pay to restore your vehicle to like-new condition.
The benefits of insuring your car are definitely more than the cost, especially for larger claims. Despite what companies tell you, the average driver is wasting up to $855 a year so you should quote rates at least once a year to ensure rates are competitive.
Five Things That Influence Your Insurance Rates
When buying insurance it’s important to understand some of the factors that play a part in calculating the rates you pay for insurance. If you know what determines premiums, this empowers consumers to make smart changes that may result in much lower annual insurance costs.
The items below are some of the items used by your company to calculate your rate level.
Teenagers vs. older drivers – Older people have been proven to be more responsible, tend to file fewer claims, and usually have better credit. Youthful drivers are statistically shown to be more careless when driving so they pay higher insurance rates.
The chart below uses these assumptions: single driver, full coverage with $250 deductibles, and no discounts or violations.
- Bundle policies with the same company – Most major insurers will award lower prices for people that have more than one policy, otherwise known as a multi-policy discount. Even if you qualify for this discount already, you may still want to compare other Portland cube insurance rates to help ensure you have the lowest rates. Drivers may still save money by splitting coverages up.
- Safer vehicles lower rates – Safer cars can get you lower premiums. Vehicles built for safety reduce occupant injuries and lower injury rates translates into fewer and smaller insurance claims and thus lower rates.
- Marriage is a factor – Having a wife or husband can actually save you money on insurance. Having a spouse may mean you are more financially stable and it’s proven that married couples file fewer claims.
- Vehicle theft costs us all – Choosing a vehicle that has an advanced theft prevention system can earn a premium discount. Theft deterrent systems such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder auto theft and help lower rates.
A conclusion for your car insurance search
We just covered many ways to lower your Nissan cube insurance premium rates in Portland. It’s most important to understand that the more you quote Portland auto insurance, the more likely it is that you will get a better rate. Consumers could even find that the biggest savings come from a lesser-known regional company.
Cheap Nissan cube insurance in Portland can be found on the web and also from your neighborhood Portland agents, so you need to shop Portland auto insurance with both to have the best rate selection. There are still a few companies who do not provide the ability to get a quote online and many times these smaller providers sell through independent agents.
As you restructure your insurance plan, it’s not a good idea to skimp on coverage in order to save money. In many instances, someone dropped uninsured motorist or liability limits only to regret that they should have had better coverage. The aim is to buy enough coverage at a price you can afford and still be able to protect your assets.
How to find low-cost Nissan cube insurance in Portland
Really, the only way to get low-cost car insurance rates in Portland is to start comparing rates regularly from companies in Oregon. You can compare prices by completing these steps.
Step 1: Get an understanding of how car insurance works and the changes you can make to prevent expensive coverage. Many rating criteria that increase rates such as traffic citations, accidents, and a lousy credit rating can be remedied by making minor changes in your lifestyle.
Step 2: Request price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only give rate quotes from a single company like Progressive or Allstate, while independent agencies can quote prices for a wide range of companies.
Step 3: Compare the new quotes to your existing coverage to see if switching to a new carrier will save money. If you find better rates and switch companies, ensure coverage does not lapse between policies.
A good tip to remember is that you’ll want to make sure you compare the same liability limits and deductibles on each price quote and and to get rates from as many auto insurance providers as possible. Doing this helps ensure the most accurate price comparison and the best price quote selection.
Additional detailed information is available in these articles:
- Collision Coverage (Liberty Mutual)
- How Much are Car Insurance Quotes for Seniors in Portland? (FAQ)
- What Auto Insurance is Cheapest for Homeowners in Portland? (FAQ)
- How Much are Auto Insurance Rates for a Subaru Outback in Portland? (FAQ)
- What Car Insurance is Cheapest for a Ford F-150 in Portland? (FAQ)
- Prom Night Tips for Teen Drivers (State Farm)
- Collision Insurance Coverage (Nationwide)
- Warning systems don’t curb driver distraction (Insurance Institute for Highway Safety)