Cheap Nissan cube Insurance in Boston

It’s hard to believe, but most insurance policyholders in Massachusetts have stayed with the same insurance company for over three years, and just under half have never even compared rates from other companies. U.S. insurance shoppers could save as much as $859 a year, but they just don’t understand how easy it is to find affordable insurance rates.

Insurance for Nissan cubeThe best way to get low-cost auto insurance rates in Boston is to make a habit of regularly comparing prices from insurance carriers who sell auto insurance in Massachusetts. Drivers can shop around by following these guidelines.

The key aspect of shopping around is to try to use similar coverage information on each quote request and and to get price quotes from as many auto insurance providers as possible. Doing this guarantees a fair price comparison and a good representation of prices.

How to get Boston Nissan cube insurance price quotes

Just remember that quoting more helps improve the odds of finding the best price. Some regional insurers cannot provide Boston cube insurance quotes over the internet, so you need to compare prices from those companies as well.

The companies shown below can provide price comparisons in Massachusetts. To buy the best auto insurance in Massachusetts, we suggest you visit several of them to get a more complete price comparison.

Earn discounts to get lower-cost Boston car insurance rates

Companies offering auto insurance don’t always list all discounts in a way that’s easy to find, so the following is a list of both the well known as well as the least known credits available to lower your premiums when you buy Boston car insurance online. If you are not receiving all the discounts you deserve, you could be saving more on your car insurance.Cheaper car insurance with discounts

Don’t be surprised that many deductions do not apply to the whole policy. Most only reduce specific coverage prices like comprehensive or collision. So when the math indicates you could get a free car insurance policy, you won’t be that lucky. Any amount of discount will definitely reduce the premium cost.

The chart below illustrates the difference between Nissan cube insurance prices with and without discounts applied. The data assumes a male driver, no claims or violations, Massachusetts 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 safe-driver, marriage, multi-car, multi-policy, claim-free, and homeowner discounts applied.

A few of the larger companies and a summarized list of policyholder discounts are shown below.

When comparing rates, check with every prospective company how you can save money. Some credits may not apply everywhere. For a list of providers that have a full spectrum of discounts in Massachusetts, follow this link.

Analysis of Nissan cube rates

The premium information below highlights different insurance prices for Nissan cube models. Having a better understanding of how auto insurance premiums are established can be useful when making decisions on which insurance to purchase.

Nissan cube Insurance Rates in Boston, MA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Cube 2WD $180 $332 $404 $24 $122 $1,062 $89
Cube S 2WD $206 $332 $404 $24 $122 $1,088 $91
Cube SL 2WD $206 $404 $404 $24 $122 $1,160 $97
Cube Krom 2WD $232 $476 $404 $24 $122 $1,258 $105
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Price data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Massachusetts minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Price estimates do not factor in specific garaging location which can influence premium rates considerably.

An analysis of deductible level

One common question asked by Boston drivers is the level to set your comp and collision deductibles. The premium rates below can help show the price difference between low and high deductibles. The first set of rates uses a $250 physical damage coverage deductible and the second set of rates uses a $500 deductible.

Nissan cube insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Cube 2WD $224 $358 $334 $20 $100 $1,061 $88
Cube S 2WD $258 $358 $334 $20 $100 $1,095 $91
Cube SL 2WD $258 $436 $334 $20 $100 $1,173 $98
Cube Krom 2WD $292 $512 $334 $20 $100 $1,283 $107
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Nissan cube insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Cube 2WD $182 $288 $334 $20 $100 $924 $77
Cube S 2WD $210 $288 $334 $20 $100 $952 $79
Cube SL 2WD $210 $350 $334 $20 $100 $1,014 $85
Cube Krom 2WD $236 $414 $334 $20 $100 $1,104 $92
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Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Massachusetts minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Prices do not factor in specific garaging location which can lower or raise premiums considerably.

Based on these figures, using a $250 deductible costs an average of $13 more each month or $156 every year across all Nissan cube models than buying the higher $500 deductible. Due to the fact that you would have to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you normally average at a minimum 19 months between claim filings, you would save more money by selecting a higher deductible.

Insurance premiums for males and females

The chart below shows the comparison of Nissan cube insurance premiums for male and female drivers. The data assumes no driving violations, no at-fault accidents, full coverage, $1,000 deductibles, drivers are not married, and no additional discounts are factored in.

Difference between liability only and full coverage rates

The information below compares Nissan cube insurance premiums with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. Data assumes no violations or accidents, $1,000 deductibles, drivers are not married, and no other discounts are factored in.

Guidelines for eliminating full coverage

There isn’t a written rule of when to eliminate physical damage coverage on your policy, but there is a general school of thought. If the yearly cost of comp and collision coverage is more than around 10% of replacement cost minus your deductible, then it could be time to drop full coverage.

For example, let’s say your Nissan cube replacement cost is $3,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most you would receive is $2,000 after the policy deductible has been paid. If you are paying in excess of $200 a year for comprehensive and collision coverage, then you might want to consider buying only liability coverage.

There are a few cases where dropping full coverage is not recommended. If you still owe a portion of the original loan, you have to keep full coverage to satisfy the loan requirements. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should not drop full coverage.

Five factors that impact insurance prices

Many different elements are used when quoting car insurance. Some are pretty understandable such as traffic violations, but other criteria are not quite as obvious like where you live and annual miles driven. Part of the car insurance buying process is learning the different types of things that go into determining your policy premiums. If you know what influences your rates, this enables informed choices that can earn you lower premium levels.