When trying to find more affordable insurance, do you get confused by the sheer number of car insurance sources that you can choose from? Many other drivers are as well. Vehicle owners have so many sources available that it can be a difficult situation to find the perfect company for you. If you live there, you know that Indianapolis has lots to offer, but inflated car insurance rates can make it difficult for lots of drivers to afford enough coverage.
How to find lower priced Nissan cube insurance in Indianapolis
It takes a little time, but the best way to get discount Nissan cube insurance is to compare prices at least once a year from insurers that sell auto insurance in Indianapolis. This can be done by following these steps.
First, try to understand how insurance works and the factors you can control to prevent expensive coverage. Many rating factors that result in higher rates such as accidents, traffic violations, and your credit history can be controlled by making small lifestyle or driving habit changes.
Second, request price quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only give rate quotes from a single company like Progressive and State Farm, while independent agencies can provide price quotes for a wide range of insurance providers.
Third, compare the new rates to your existing policy to see if you can save by switching companies. If you find a lower rate and make a switch, make sure coverage does not lapse between policies.
The most important part of this process is to use the same physical damage deductibles and liability limits on every quote request and and to get prices from every insurance company. This guarantees a fair price comparison and a thorough price selection.
It’s a known fact that insurance companies don’t want you shop around. Drivers who shop around for the cheapest rate will probably buy a different policy because of the high probability of finding lower rate quotes. A survey found that consumers who compared prices once a year saved as much as $3,400 over four years as compared to drivers who don’t make a habit of comparing rates.
If finding the lowest price for Nissan cube insurance is your goal, then knowing the best ways to shop for insurance coverage can make it easier to shop your coverage around.
You should take the time to get comparison quotes at least once a year due to the fact that insurance prices are variable and change quite frequently. Even if you think you had the lowest rates on Nissan cube insurance in Indianapolis six months ago you can probably find a better premium rate now. Forget anything you know (or think you know) about car insurance because you’re about to find out the tricks you need to know to find great coverage at a great price.
Choosing the most cost-effective insurance policy in Indianapolis is not that difficult. If you are insured now, you will definitely be able to get lower rates using the techniques presented in this article. Although Indiana drivers need to have an understanding of how big insurance companies market on the web because it varies considerably.
Most companies make it easy to get coverage price quotes on the web. This process is very simple as you just type in your coverage information into the quote form. When the form is submitted, their rating system will obtain information on your driving record and credit history and gives you a price quote determined by many factors.
The ability to get online quotes for Nissan cube insurance in Indianapolis makes it simple to compare prices and it is important to perform this step in order to find the best rate.
If you want to use this form to compare rates, compare quotes from the companies shown below. If you have your current policy handy, we recommend you type in the coverage information identical to your current policy. This way, you are getting an apples-to-apples comparison for the exact same coverage.
The companies shown below have been selected to offer price comparisons in Indianapolis, IN. If multiple companies are listed, it’s a good idea that you visit several of them to find the lowest auto insurance rates.
Affordable rates by taking advantage of discounts
Insurance can be prohibitively expensive, but companies offer discounts to cut the cost considerably. Certain discounts will be applied when you quote, but some need to be asked about in order for you to get them. If you do not double check each discount you deserve, you could be getting lower rates.
- Discounts for Good Drivers – Safe drivers may save up to 50% more compared to accident prone drivers.
- New Car Discount – Buying insurance on a new vehicle can save up to 30% due to better safety requirements for new model year vehicles.
- Accident Waiver – This one is not really a discount per se, but some insurance companies will let one accident slide without getting socked with a rate hike if you have no claims for a certain period of time.
- ABS Brakes – Anti-lock brake equipped vehicles can stop better under adverse conditions so you can save 10 percent or more.
- Early Renewal Discounts – A few larger companies offer discounts for switching policies early. It could save around 10% when you buy Indianapolis auto insurance online.
- Full Payment Discount – If paying your policy premium upfront as opposed to paying monthly you could save 5% or more.
- Save over 55 – Drivers that qualify as senior citizens can possibly qualify for lower premium rates.
- Bundled Policy Discount – When you have multiple policies with one insurance company they may give you a discount of as much as 10 to 15 percent.
- Life Insurance Discount – Larger companies have better rates if you take out some life insurance in addition to your auto policy.
You can save money using discounts, but most of the big mark downs will not be given to the entire policy premium. Most cut individual premiums such as physical damage coverage or medical payments. So when the math indicates having all the discounts means you get insurance for free, companies don’t profit that way.
The diagram below compares Nissan cube yearly insurance costs with and without some available policy discounts. The costs are based on a female driver, no tickets, no at-fault accidents, Indiana state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, multi-car, marriage, homeowner, claim-free, and safe-driver discounts applied.
Large car insurance companies and their offered discounts are included below.
- Progressive may offer discounts for continuous coverage, homeowner, multi-vehicle, multi-policy, online quote discount, online signing, and good student.
- MetLife has savings for multi-policy, accident-free, defensive driver, claim-free, good student, good driver
- Mercury Insurance offers premium reductions for professional/association, ease of repair, accident-free, age of vehicle, and location of vehicle.
- Nationwide has discounts for easy pay, business or organization, good student, anti-theft, and multi-policy.
- GEICO discounts include multi-vehicle, federal employee, seat belt use, military active duty, and multi-policy.
- AAA policyholders can earn discounts including good driver, multi-policy, education and occupation, pay-in-full, multi-car, AAA membership discount, and good student.
When quoting, ask all companies you are considering which discounts you qualify for. Some of the discounts discussed earlier might not be offered on policies in your state. To see insurance companies who offer car insurance discounts in Indiana, click here.
Rates and other information
The rate table below covers different rate quotes for Nissan cube models. Having a better understanding of how premiums are formulated can benefit drivers when making decisions when shopping your coverage around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Cube 2WD | $210 | $370 | $380 | $22 | $114 | $1,096 | $91 |
| Cube S 2WD | $240 | $370 | $380 | $22 | $114 | $1,126 | $94 |
| Cube SL 2WD | $240 | $450 | $380 | $22 | $114 | $1,206 | $101 |
| Cube Krom 2WD | $272 | $530 | $380 | $22 | $114 | $1,318 | $110 |
| Get Your Own Custom Quote Go | |||||||
Data variables include single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Indiana minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Premium costs do not factor in the specific area where the vehicle is garaged which can influence auto insurance rates noticeably.
Where to set your deductibles
One common question asked by Indianapolis drivers is how high should the physical damage deductibles be. The figures shown below summarize the price difference between high and low deductibles. The first rate quote example uses a $100 physical damage coverage deductible and the second price table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Cube 2WD | $210 | $358 | $280 | $16 | $84 | $973 | $81 |
| Cube S 2WD | $242 | $358 | $280 | $16 | $84 | $1,005 | $84 |
| Cube SL 2WD | $242 | $436 | $280 | $16 | $84 | $1,083 | $90 |
| Cube Krom 2WD | $272 | $514 | $280 | $16 | $84 | $1,191 | $99 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Cube 2WD | $154 | $242 | $280 | $16 | $84 | $776 | $65 |
| Cube S 2WD | $176 | $242 | $280 | $16 | $84 | $798 | $67 |
| Cube SL 2WD | $176 | $294 | $280 | $16 | $84 | $850 | $71 |
| Cube Krom 2WD | $200 | $348 | $280 | $16 | $84 | $928 | $77 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Price information does not factor in specific garaging location which can change coverage prices significantly.
Based on the above data, using a $100 deductible would cost the average driver about $19 more each month or $228 a year than buying the higher $500 deductible. Since you would pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you have at a minimum 21 months between claim filings, you would most likely save money if you choose the higher deductible.
Nissan cube liability-only versus full coverage
The example below visualizes the comparison of Nissan cube car insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Indiana. The prices are based on no violations or claims, $100 deductibles, single status, and no discounts are factored in.
When to stop buying physical damage coverage
There is no exact formula of when to eliminate physical damage insurance, but there is a general school of thought. If the yearly cost for physical damage coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then it might be time to buy liability only.
For example, let’s pretend your Nissan cube replacement value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $6,000 after the deductible is paid. If you are paying over $600 a year for full coverage, then you may want to consider only buying liability coverage.
There are some scenarios where dropping full coverage is not recommended. If you still owe money on your vehicle, you are required to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you don’t have enough money to buy a different vehicle in the even your car is totaled, you should not opt for liability only.
What Impacts Nissan cube Insurance Premiums?
It’s important that you understand some of the elements that aid in calculating the level of your policy premiums. When you know what positively or negatively influences your rates, this empowers consumers to make smart changes that may result in lower rates.
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Driving citations can increase prices – Careful drivers have lower premiums than their less careful counterparts. Even one ticket could increase your next policy renewal by as much as thirty percent. Drivers who have received flagrant violations such as hit and run, DWI or reckless driving convictions may be required to maintain a SR-22 with their state DMV in order to legally drive a vehicle.
The chart below illustrates how speeding tickets and at-fault collisions influence Nissan cube premium costs for each age group. The data assumes a married female driver, full physical damage coverage, $1,000 deductibles, and no additional discounts are factored in.
- Little extras can really add up – Insurance policies have a lot of optional add-on coverages that can add up on your car insurance policy. Add-on coverages like vanishing deductibles, accident forgiveness, and extra life insurance coverage are some examples. You may think they are a good idea initially, but if you’ve never needed them in the past consider taking them off your policy.
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Men pay higher rates – Statistics demonstrate females are less aggressive when driving. However, don’t assume that women are BETTER drivers than men. They both are responsible for accidents in similar numbers, but males have costlier accidents. Not only are claims higher, but men get more serious tickets such as driving while intoxicated (DWI) or driving recklessly. Males from age 16 to 21 tend to get in the most accidents and therefore have the most expensive car insurance rates.
The example below shows the comparison of Nissan cube premium costs for male and female drivers. The information is based on no claims, a clean driving record, full coverage, $1,000 deductibles, drivers are not married, and no discounts are applied to the premium.
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Youthful drivers cost more – Inexperience drivers have a tendency to be more careless when at the wheel of a vehicle and because of this, their car insurance rates are much higher. If you’ve ever had to add a teenage driver to your car insurance policy can cause a big jump in price. More mature drivers are more responsible, cause fewer claims and accidents, and are safer drivers.
The following data is based on a single driver, full coverage with $250 deductibles, and no discounts or violations.
- Getting married equates to better costs – Being married may save some money on your car insurance bill. Having a significant other usually means you are more mature and insurance companies like that married drivers tend to have fewer serious accidents.
- Pay more of a claim out-of-pocket – Deductibles for physical damage tell how much the insured will be required to pay if a covered claim is submitted. Protection for physical damage, also called comprehensive and collision insurance, protects your car from damage. Some examples of covered claims are colliding with a stationary object, hail damage, and having a roll-over accident. The more you are required to pay out-of-pocket, the less your car insurance will be.
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What type of vehicle do you drive? – The performance level of the car, truck or SUV you need insurance for makes a huge difference in determining your rates. The lowest premiums are usually found on smaller low performance passenger cars, but your final cost has many other factors.
The following chart uses these assumptions: married female driver age 50, full coverage with $1000 deductibles, and no discounts or violations. It compares Nissan cube policy rates compared to other makes and models that have a range of performance risks.
- Liability protection is peace of mind – The liability coverage on your policy provides coverage if you are found liable for physical damage or personal injury to other. It provides you with a defense in court which can cost a lot. Liability is cheap compared to insuring for physical damage coverage, so do not skimp.
When to talk to a local insurance agent
Many drivers would rather talk to a local agent and doing that can be a smart decision An additional benefit of comparing rate quotes online is you may find cheaper car insurance rates and also buy local.
After filling out this quick form, your insurance coverage information is transmitted to participating agents in Indianapolis who will give you bids and help you find cheaper coverage. There is no need to search for an agent because quoted prices will be sent instantly to you. You can find the lowest rates and work with a local agent. If you wish to compare prices from one company in particular, you just need to search and find their rate quote page and fill out the quote form the provide.
Choosing an insurance company needs to be determined by more than just a cheap quote. Before buying a policy in Indianapolis, get answers to these questions.
- Can you choose the body shop in case repairs are needed?
- Does the agent have professional designations like CIC, CPCU or AIC?
- How often do they review coverages?
- Do they specialize in personal lines auto insurance in Indianapolis?
- Do they make recommendations based only on price?
- Are they able to provide referrals?
- How long have they worked with personal auto insurance coverage?
When searching for a good insurance agency, there are a couple of different types of agents and how they are distinctly different. Insurance policy providers can either be exclusive or independent agents depending on their company appointments.
Exclusive Insurance Agencies
Agents in the exclusive channel can only provide pricing for a single company such as State Farm, AAA, and Liberty Mutual. They are unable to provide other company’s prices so they really need to provide good service. Exclusive insurance agents are usually quite knowledgeable on their products and sales techniques which aids in selling service over price. Some people will only use the same agent primarily because of the brand legacy rather than having low rates.
Listed below is a short list of exclusive agents in Indianapolis who can help you get price quote information.
- Brandon Libunao – State Farm Insurance Agent
1014 Prospect St – Indianapolis, IN 46203 – (317) 783-3391 – View Map - Allstate Insurance: Donald Oldham
303 N Alabama St #360 – Indianapolis, IN 46204 – (317) 687-0777 – View Map - Farmers Insurance
2229 Martin Luther King Jr St – Indianapolis, IN 46208 – (317) 925-5557 – View Map
Independent Agents (or Brokers)
Agents in the independent channel are not employed by any specific company so they can quote policies with a variety of different insurance companies and possibly get better coverage at lower prices. If they quote lower rates, they can switch companies in-house which is easy for the insured.
When comparing insurance prices, we highly recommend that you get several quotes from independent agents in order to have the best price comparison. A lot of them also have access to mutual insurance companies which can be an advantage.
Listed below is a short list of independent agents in Indianapolis willing to provide comparison quotes.
- Dalessandro Agency Inc – Titan Insurance
4918 S Emerson Ave – Indianapolis, IN 46203 – (317) 780-2500 – View Map - Shepherd Insurance and Financial Services
111 Congressional Blvd Suite 100 – Carmel, IN 46032 – (317) 846-5554 – View Map - Dalessandro Agency Inc
4240 N Franklin Rd #109 – Lawrence, IN 46226 – (317) 898-1866 – View Map
A little work can save a LOT of money
A few companies do not offer rate quotes online and many times these smaller companies work with independent agencies. Lower-priced Nissan cube insurance in Indianapolis can be found online as well as from insurance agents, and you need to comparison shop both in order to have the best price selection to choose from.
Insureds switch companies for a variety of reasons including not issuing a premium refund, questionable increases in premium, high rates after DUI convictions and an unsatisfactory settlement offer. It doesn’t matter what your reason, finding a great new company can be pretty painless.
We’ve covered a lot of information how to find affordable Nissan cube insurance in Indianapolis. The most important thing to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. You may even find the biggest savings come from some of the lesser-known companies.
How to find the cheapest rates for Nissan cube insurance in Indianapolis
It takes a little time, but the best way to find cheaper Nissan cube insurance is to start doing an annual price comparison from companies in Indianapolis.
- Learn about policy coverages and the steps you can take to keep rates low. Many policy risk factors that result in higher prices such as distracted driving and a substandard credit score can be controlled by improving your driving habits or financial responsibility.
- Compare prices from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can give quotes from a single company like GEICO or State Farm, while independent agents can provide rate quotes from many different companies.
- Compare the new rate quotes to the price on your current policy to see if a cheaper price is available in Indianapolis. If you can save money, verify that coverage does not lapse between policies.
A good piece of advice is to make sure you enter the same level of coverage on every price quote and and to get rates from as many companies as possible. This provides a level playing field and a complete rate analysis.
For more information, link through to the following helpful articles:
- Pickups fall short in headlight tests (Insurance Institute for Highway Safety)
- What Car Insurance is Cheapest for Teachers in Indianapolis? (FAQ)
- Who Has Cheap Car Insurance for a Chevrolet Traverse in Indianapolis? (FAQ)
- How Much are Auto Insurance Quotes for a Nissan Rogue in Indianapolis? (FAQ)
- How Much are Auto Insurance Quotes for Veterans in Indianapolis? (FAQ)
- Who Has Cheap Auto Insurance with Multiple Speeding Tickets in Indianapolis? (FAQ)
- Who Has Cheap Auto Insurance for Uninsured Drivers in Indianapolis? (FAQ)
- How Much are Indianapolis Auto Insurance Quotes for Low Mileage Drivers? (FAQ)
- Safety Tips for Teen Drivers (Insurance Information Institute)
- Top Signs Your Brakes are Giving Out (State Farm)