If you want to find the absolute lowest rates, then the best way to get the cheapest Nissan cube insurance in San Jose is to compare prices at least once a year from insurance carriers who sell auto insurance in California.
- Learn about auto insurance and the things you can change to keep rates down. Many things that drive up the price like distracted driving and a not-so-good credit rating can be improved by making minor changes in your lifestyle. Read the full article for additional ideas to get better rates and find available discounts that you may qualify for.
- Compare prices from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only give rate quotes from one company like GEICO or State Farm, while independent agents can quote rates from multiple companies.
- Compare the new quotes to the price on your current policy to see if a cheaper price is available. If you find a better price and switch companies, ensure coverage does not lapse between policies.
- Provide notification to your current company of your intent to cancel your current car insurance policy and submit payment and a completed application to your new insurance company. As soon as coverage is bound, put the new proof of insurance paperwork in your vehicle.
A tip to remember is to try to compare the same physical damage deductibles and liability limits on every quote and and to get price quotes from as many auto insurance providers as possible. This helps ensure the most accurate price comparison and maximum price selection.
Sad but true, nearly 70% of drivers have stayed with the same insurance company for at least four years, and almost half have never taken the time to shop around. California drivers could save roughly 35% every year, but they don’t know how much money they would save if they changed companies.
Determine discounts on San Jose car insurance
Some insurance providers do not list every discount in an easy-to-find place, so the next list breaks down both the well known as well as some of the hidden discounts that you may qualify for. If you aren’t receiving every discount you deserve, you are not getting the best rate possible.
- Government Employees – Federal government employees could qualify for a slight premium decrease depending on your company.
- Telematics Discount – Drivers who elect to allow driving data submission to look at driving habits through the use of a telematics system such as Snapshot from Progressive or Drivewise from Allstate could save a few bucks if they exhibit good driving behavior.
- Save with More Vehicles Insured – Buying insurance for more than one vehicle on one policy could earn a price break for each car.
- E-sign – A handful of car insurance companies will give a small break for buying a policy and signing up online.
- Drivers Ed for Students – It’s a good idea to have your young drivers participate in a local driver’s education class in school or through a local driver safety program.
- No Charge for an Accident – Not necessarily a discount, but some insurance companies permit an accident without raising rates if you have no claims for a specific time period.
Please keep in mind that most credits do not apply to the overall cost of the policy. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. Even though it may seem like it’s possible to get free car insurance, it just doesn’t work that way. But any discount will definitely lower the amount you have to pay.
The illustration below illustrates the comparison of Nissan cube car insurance costs with and without discounts applied to the policy rates. The data assumes a male driver, no claims or driving violations, California state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, safe-driver, multi-policy, homeowner, claim-free, and multi-car discounts applied.
To find car insurance companies who offer car insurance discounts in San Jose, click here to view.
Finding a lower price on insurance is an easy way to save money. Just take a few minutes to compare rate quotes from some recommended companies.
The following companies offer comparison quotes in California. If the list has multiple companies, we suggest you visit several of them to find the cheapest car insurance rates.
Insurance data for a Nissan cube
The rate table displayed below covers a range of insurance premium costs for Nissan cube models. Having a better idea how rate quotes are figured can assist in making smart choices when selecting a coverage provider.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Cube 2WD | $368 | $694 | $596 | $36 | $178 | $1,872 | $156 |
| Cube S 2WD | $422 | $694 | $596 | $36 | $178 | $1,926 | $161 |
| Cube SL 2WD | $422 | $844 | $596 | $36 | $178 | $2,076 | $173 |
| Cube Krom 2WD | $476 | $996 | $596 | $36 | $178 | $2,282 | $190 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Rates do not factor in specific San Jose garaging location which can alter auto insurance rates considerably.
Policy deductibles
One of the most common insurance questions is how high should the deductibles for physical damage be. The rates shown below approximate the differences in premium rates when you choose different comp and collision deductibles. The first set of prices uses a $100 comprehensive and collision deductible and the second set of prices uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Cube 2WD | $332 | $564 | $442 | $26 | $132 | $1,521 | $127 |
| Cube S 2WD | $380 | $564 | $442 | $26 | $132 | $1,569 | $131 |
| Cube SL 2WD | $380 | $686 | $442 | $26 | $132 | $1,691 | $141 |
| Cube Krom 2WD | $430 | $810 | $442 | $26 | $132 | $1,865 | $155 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Cube 2WD | $184 | $298 | $442 | $26 | $132 | $1,082 | $90 |
| Cube S 2WD | $210 | $298 | $442 | $26 | $132 | $1,108 | $92 |
| Cube SL 2WD | $210 | $362 | $442 | $26 | $132 | $1,172 | $98 |
| Cube Krom 2WD | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Information does not factor in specific location which can decrease or increase rates significantly.
Based on the data above, we can derive that using a $100 deductible will cost you roughly $43 more each month or $516 a year than choosing the higher $1,000 deductible. Since you would have to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you average more than 21 months between claim filings, you would come out ahead if you elect the higher deductible.
The diagram below demonstrates how choosing different deductibles and can influence Nissan cube insurance costs for different age groups. The premium estimates are based on a married male driver, full coverage, and no additional discounts are factored in.
How much more does full coverage cost?
The diagram below visualizes the comparison of Nissan cube insurance costs with and without physical damage coverage. The rate quotes are based on no claims or driving citations, $1,000 deductibles, marital status is single, and no policy discounts are applied.
Are you wasting money paying for full coverage?
There is no definitive guideline to drop physical damage coverage on your policy, but there is a general guideline. If the yearly cost of full coverage is more than about 10% of the settlement you would receive from your company, then you might consider buying liability only.
For example, let’s pretend your Nissan cube claim settlement value is $7,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, you would only receive $6,000 after paying your policy deductible. If you are paying in excess of $600 annually for full coverage, then it might be time to consider dropping full coverage.
There are a few situations where dropping full coverage is not recommended. If you haven’t satisfied your loan, you have to maintain full coverage in order to keep the loan. Also, if you can’t afford to buy a different vehicle in the even your car is totaled, you should keep full coverage on your policy.
Why Smart Consumers Pay Less for Nissan cube Insurance
Multiple criteria are used in the calculation when premium rates are determined. Some factors are common sense such as traffic violations, but other factors are more obscure such as whether you are married and annual miles driven. When buying auto insurance it’s important to understand the rating factors that play a part in calculating the level of your policy premiums. If you know what impacts premium levels, this allows you to make educated decisions that may reward you with lower premium levels.
Shown below are some of the most common factors used by companies to determine your rates.
Rental and towing coverage may not be needed – There are many optional add-on coverages that may not really be needed when buying auto insurance. Add-on coverages like rental car reimbursement, accidental death, and membership fees could be just wasting money. These may sound like a good investment initially, but if they’re wasting money remove them and pocket the money.
Accidents hurt – Having just one citation can increase rates by as much as twenty percent. Good drivers receive lower rates as compared to those with violations. Drivers unfortunate enough to have serious violations like DUI, reckless driving or excessive speeding might be required by their state to file a SR-22 with the DMV in their state in order to legally drive a vehicle.
The illustration below illustrates how speeding tickets and at-fault collisions can raise Nissan cube auto insurance rates for different age groups of insureds. The premiums assume a single male driver, full physical damage coverage, $500 deductibles, and no discounts are taken into consideration.
Safer vehicles cost less to insure – Vehicles that have high safety ratings tend to have lower insurance rates. The safest vehicles protect occupants better and better occupant protection means lower claim amounts and lower rates for you.
Don’t let your policy lapse – Driving without insurance can get your license suspended and you will pay a penalty because you let your coverage have a gap. Not only will rates go up, the inability to provide proof of insurance could result in fines or a revoked license. You may have to provide proof of insurance in the form of an SR-22 filing with the California motor vehicle department to get your license reinstated.
Type of car determines base costs – The performance level of the car, truck or SUV you are trying to find cheaper insurance for makes a substantial difference in your car insurance bill. Small economy passenger models usually are quite affordable to insure, but the final cost of insurance is determined by many other factors.
The chart below is based on a single female driver age 30, full coverage with $250 deductibles, and no discounts or violations. It illustrates Nissan cube policy rates compared to other makes and models that have a range of performance risks.
Are women or men drivers cheaper? – Over the last 50 years, statistics have shown that men are more aggressive behind the wheel. Now that doesn’t mean females are better at driving than males. Men and women are in at-fault accidents in similar numbers, but the males cause more damage. Not only that, but men also get higher numbers of serious violations such as driving while intoxicated (DWI) or driving recklessly. Young men ages 16 to 20 tend to get in the most accidents so it costs more to insure them.
The example below illustrates the difference between Nissan cube auto insurance costs for male and female drivers. The prices are based on no accidents, no driving violations, comprehensive and collision coverage, $1,000 deductibles, single status, and no policy discounts are applied.
Buying from insurance agents
A lot of people just want to go talk to an agent and that is OK! Good insurance agents can help you build your policy and will help you if you have claims. The best thing about getting free rate quotes online is that you can obtain cheaper rates and still buy from a local agent.
For easy comparison, once you complete this quick form, your insurance coverage information is emailed to insurance agents in San Jose that can give you free San Jose car insurance quotes for your insurance coverage. There is no need to find an agent since price quotes are sent straight to your inbox. If you want to quote rates from a specific insurance company, don’t hesitate to search and find their rate quote page to submit a rate quote request.
Finding the right insurer is decision based upon more than just a cheap quote. The answers to these questions are important, too.
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- Are they in the agency full-time?
- Does the agency have a current Errors and Omissions policy?
- Which company do they place the most coverage with?
- Are claim adjusters local or do you have to take your car somewhere else?
If you prefer to buy car insurance from a local San Jose insurance agent, you should know the different agency structures and how they are slightly different. Insurance agencies in San Jose can be categorized as either independent (non-exclusive) or exclusive. Either one can sell car insurance policies, but it’s worth learning the difference in the companies they write for because it may have an impact on which type of agent you select.
Exclusive Agencies
Agents that choose to be exclusive can only write with one company and examples are AAA, State Farm, Farmers Insurance, and Allstate. Exclusive agents cannot compare rates from other companies so they have no alternatives for high prices. These agents are usually well trained in insurance sales and that enables them to sell even at higher rates. Drivers often choose to use a exclusive agent primarily because of the brand rather than having the cheapest rates.
Below are exclusive insurance agencies in San Jose willing to provide rate quotes.
- Mike Murillo – State Farm Insurance Agent
1449 Park Ave #3 – San Jose, CA 95126 – (408) 295-0554 – View Map - Nhut Ho – State Farm Insurance Agent
2048 Tully Rd – San Jose, CA 95122 – (408) 223-6163 – View Map - Dennis Stroup – State Farm Insurance Agent
6455 Almaden Expy Ste 103 – San Jose, CA 95120 – (408) 268-7800 – View Map
Independent Car Insurance Agencies
Independent agents are not limited to a single company and that is an advantage because they can write policies with multiple insurance companies depending on which coverage is best. If they find a cheaper price, they simply switch companies in-house and you don’t have to do anything. When comparison shopping, you should always include rate quotes from independent agents to get the most accurate price comparison. Many can place coverage with companies that do not advertise much which can save you money.
Shown below are San Jose independent agencies that are able to give price quotes.
- Lords Insurance Agency Inc
2239 Moorpark Ave #100 – San Jose, CA 95128 – (408) 289-5445 – View Map - Khalsa Insurance Agency
3750 McKee Rd A – San Jose, CA 95127 – (408) 272-2500 – View Map - Harrington Insurance Agency
6920 Santa Teresa Blvd #101 – San Jose, CA 95119 – (408) 754-9000 – View Map
Buying the right vehicle insurance in California is an important decision
Even though it’s not necessarily cheap to insure a Nissan in San Jose, insuring your vehicle is required by state law in California and it also provides benefits you may not be aware of.
- The majority of states have minimum mandated liability insurance limits which means you are required to carry a specific level of liability in order to drive the car. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If your Nissan cube has a lienholder, almost every bank will stipulate that you have insurance to guarantee loan repayment. If you default on your policy, the bank or lender will purchase a policy for your Nissan for a much higher rate and require you to reimburse them for the much more expensive policy.
- Insurance protects not only your car but also your financial assets. It will also reimburse you for medical bills for yourself as well as anyone injured by you. One policy coverage, liability insurance, will also pay attorney fees if someone files suit against you as the result of an accident. If you have damage to your Nissan as the result of the weather or an accident, your auto insurance policy will cover the repair costs.
The benefits of carrying enough insurance definitely exceed the cost, especially when you need to use it. The average driver in California overpays more than $855 a year so it’s recommended you shop around at every renewal to help ensure money is not being wasted.
More comparisons equals cheap rates
We just covered a lot of tips how to compare Nissan cube insurance prices in San Jose. It’s most important to understand that the more providers you compare, the better your comparison will be. Consumers may even find the lowest prices come from the least-expected company.
Drivers leave their current company for many reasons like being labeled a high risk driver, delays in responding to claim requests, high prices and even questionable increases in premium. Regardless of your reason, switching auto insurance companies can be easier than you think.
The cheapest Nissan cube insurance in San Jose is available on the web and from local agencies, so you need to quote San Jose car insurance with both to get a complete price analysis. A few companies do not provide online price quotes and most of the time these regional insurance providers sell through local independent agencies.
More detailed auto insurance information is located by following these links:
- Alcohol Impaired Driving FAQ (iihs.org)
- What Car Insurance is Cheapest for a Chevrolet Equinox in San Jose? (FAQ)
- Who Has Cheap Auto Insurance for Used Cars in San Jose? (FAQ)
- Who Has the Cheapest Auto Insurance for Safe Drivers in San Jose? (FAQ)
- Who Has Cheap Auto Insurance for Welfare Recipients in San Jose? (FAQ)
- Who Has Cheap San Jose Auto Insurance Quotes for Drivers with Bad Credit? (FAQ)
- Property Damage Coverage (Liberty Mutual)
- Car Insurance for Teen Drivers with Divorced Parents (Allstate)