If your goal is the lowest price, then the best way to get the cheapest Nissan cube insurance in Tucson is to start doing an annual price comparison from providers that sell auto insurance in Arizona. You can shop around by following these guidelines.
First, learn about how companies price auto insurance and the steps you can take to drop your rates. Many factors that result in higher prices like at-fault accidents, careless driving, and an imperfect credit rating can be improved by paying attention to minor details.
Second, obtain price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can give quotes from one company like Progressive or Allstate, while agents who are independent can give you price quotes for a wide range of insurance providers.
Third, compare the price quotes to your current policy to determine if switching companies saves money. If you find a lower rate, make sure there is no lapse between the expiration of your current policy and the new one.
A good tip to remember is to make sure you enter the same amount of coverage on each quote and to quote with as many car insurance companies as possible. This helps ensure a fair price comparison and the best price selection.
It’s an obvious statement that car insurance companies don’t want you to look at other companies. Consumers who do rate comparisons are inclined to buy a different policy because there is a significant possibility of finding a lower-priced policy. A recent study showed that drivers who compared prices once a year saved approximately $865 a year compared to drivers who never shopped around for cheaper prices.
If saving money on auto insurance in Tucson is why you’re reading this, then knowing how to get free comparison quotes and analyze coverages can make it easier for you to save money.
Companies offering Nissan cube insurance in Arizona
The following companies provide free quotes in Tucson, AZ. To locate the cheapest auto insurance in AZ, we suggest you visit several of them to get the most competitive price.
Insurance coverage details
The information shown next covers detailed analysis of insurance prices for Nissan cube models. Having knowledge of how insurance quotes are determined can be valuable when making smart choices when selecting a coverage provider.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Cube 2WD | $194 | $394 | $338 | $20 | $102 | $1,048 | $87 |
| Cube S 2WD | $222 | $394 | $338 | $20 | $102 | $1,076 | $90 |
| Cube SL 2WD | $222 | $480 | $338 | $20 | $102 | $1,162 | $97 |
| Cube Krom 2WD | $250 | $566 | $338 | $20 | $102 | $1,276 | $106 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Rate quotes do not factor in your specific Tucson location which can lower or raise price quotes significantly.
Should you raise deductibles?
When buying insurance, a common question is how high should your deductibles be. The comparisons below can help illustrate the price difference between low and high policy deductibles. The first rate estimation uses a $100 comprehensive and collision deductible and the second pricing table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Cube 2WD | $224 | $382 | $300 | $18 | $90 | $1,039 | $87 |
| Cube S 2WD | $258 | $382 | $300 | $18 | $90 | $1,073 | $89 |
| Cube SL 2WD | $258 | $466 | $300 | $18 | $90 | $1,157 | $96 |
| Cube Krom 2WD | $292 | $548 | $300 | $18 | $90 | $1,273 | $106 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Cube 2WD | $164 | $258 | $300 | $18 | $90 | $830 | $69 |
| Cube S 2WD | $188 | $258 | $300 | $18 | $90 | $854 | $71 |
| Cube SL 2WD | $188 | $314 | $300 | $18 | $90 | $910 | $76 |
| Cube Krom 2WD | $212 | $370 | $300 | $18 | $90 | $990 | $83 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Price estimates do not factor in specific location information which can decrease or increase price quotes greatly.
We can derive from the above data that using a $100 deductible costs about $20 more each month or $240 every year than opting for the higher $500 deductible. Since you would have to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you have at a minimum 20 months between claim filings, you would save more money if you opt for a higher deductible.
The chart below illustrates how your deductible choice and can increase or decrease Nissan cube yearly insurance costs for each different age group. Data assumes a married female driver, comprehensive and collision coverage, and no policy discounts are applied.
Insurance rate increases from tickets or accidents
The illustration below demonstrates how citations and at-fault accidents increase Nissan cube yearly insurance costs for each different age category. Data assumes a married female driver, full physical damage coverage, $250 deductibles, and no additional discounts are factored in.
Insurance rates by gender and age in Tucson
The information below shows the difference between Nissan cube insurance costs for male and female drivers. Data assumes no driving violations, no at-fault accidents, comp and collision included, $1,000 deductibles, drivers are not married, and no discounts are applied to the premium.
Difference between liability only and full coverage rates
The diagram below compares Nissan cube insurance prices when comparing full coverage to state minimum liability only. The price estimates are based on no claims, a clean driving record, $250 deductibles, drivers are single, and no discounts are applied to the premium.
When to stop buying physical damage coverage
There is no set guideline that is best for determining when to drop comprehensive and collision coverage on your policy, but there is a general convention. If the yearly cost of full coverage is more than about 10% of the settlement you would receive from your company, then it may be the right time to buy liability only.
For example, let’s assume your Nissan cube replacement cost is $3,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most your company will settle for is $2,000 after paying your policy deductible. If you are currently paying more than $200 annually for your policy with full coverage, then it might be time to buy liability only.
There are some conditions where only buying liability is not a good idea. If you still owe money on your vehicle, you are required to maintain full coverage to protect the lienholder’s interest. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should not remove full coverage.
You may qualify for discounts for Nissan cube insurance in Tucson
Companies offering auto insurance don’t list all possible discounts in an easy-to-find place, so here is a list a few of the more well known and the harder-to-find discounts that may be available.
- Air Bags and Passive Restraints – Vehicles equipped with air bags or motorized seat belts may qualify for discounts of more than 20%.
- Discount for Good Grades – Performing well in school can save 20 to 25%. Most companies allow this discount up to age 25.
- Own a Home and Save – Owning your own home or condo can save a few bucks since owning and maintaining a home means you have a higher level of financial diligence.
- Pay Now and Pay Less – If paying your policy premium upfront rather than paying in monthly installments you can avoid monthly service charges.
- Multiple Vehicles – Buying coverage for multiple cars or trucks on a single policy may reduce the rate for each vehicle.
- Safety Restraint Discount – Requiring all passengers to buckle up can save up to 15% off the medical payments premium.
- Theft Deterrent Discount – Anti-theft and alarm system equipped vehicles help deter theft and will save you 10% or more on cube insurance in Tucson.
- Life Insurance Discount – Companies who offer life insurance give a lower rate if you buy some life insurance in addition to your auto policy.
- Low Mileage Discounts – Fewer annual miles on your Nissan could earn better prices on cars that stay parked.
- First Accident Forgiveness – Not a discount per se, but a few companies such as State Farm and Allstate will allow you to have one accident before your rates go up if you are claim-free for a particular time prior to the accident.
One thing to note about discounts is that some of the credits will not apply to the whole policy. Most only reduce specific coverage prices like liability, collision or medical payments. Just because you may think adding up those discounts means a free policy, company stockholders wouldn’t be very happy. But any discount will bring down your policy cost.
The example below shows the comparison of Nissan cube car insurance rates with and without discounts. The rates are based on a female driver, a clean driving record, no at-fault accidents, Arizona state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, multi-policy, multi-car, claim-free, and homeowner discounts applied.
A few popular companies and the discounts they provide are detailed below.
- State Farm policyholders can earn discounts including anti-theft, Steer Clear safe driver discount, driver’s education, passive restraint, multiple policy, multiple autos, and good driver.
- American Family includes discounts for bundled insurance, accident-free, good student, air bags, mySafetyValet, defensive driver, and Steer into Savings.
- AAA may have discounts that include education and occupation, good driver, good student, multi-car, anti-theft, and multi-policy.
- GEICO offers premium reductions for anti-lock brakes, membership and employees, seat belt use, defensive driver, and five-year accident-free.
- Mercury Insurance may offer discounts for accident-free, location of vehicle, low natural disaster claims, multi-policy, professional/association, good driver, and type of vehicle.
- Farmers Insurance has discounts for early shopping, electronic funds transfer, distant student, bundle discounts, switch companies, youthful driver, and homeowner.
- Progressive has savings for online signing, homeowner, continuous coverage, online quote discount, and multi-policy.
Check with each company how you can save money. Depending on the company, some discounts may not apply everywhere. To find providers that have a full spectrum of discounts in Arizona, click this link.
Get More Affordable Insurance Prices by Understanding These Factors
Part of the auto insurance buying process is learning some of the elements that help calculate the price you pay for auto insurance. If you have some idea of what positively or negatively impacts your premiums, this allows you to make good choices that may reward you with much lower annual insurance costs.
Bundling policies can get discounts – Most larger auto insurance companies apply better rates to insureds who carry more than one policy such as combining an auto and homeowners policy. Even with this discount applied, consumers should still compare other company rates to verify if the discount is saving money.
Rates and your address – Living in smaller towns and rural areas of the country can save you money if you are looking for the lowest rates. Urban drivers tend to have traffic congestion and a longer drive to work. Less people living in that area means reduced accidents in addition to fewer liability claims.
Drivers with high credit save on auto insurance – Your credit history factor in determining what you pay for auto insurance. Therefore, if your credit can be improved, you could pay less to insure your Nissan cube by repairing your credit. Insureds with excellent credit tend to be less risk to insure as compared to drivers with lower ratings.
Your stress level may be raising your premiums – Did you know your occupation can influence how much you pay for auto insurance? Careers like military personnel, social workers, and miners tend to pay higher premiums than the average policyholder attributed to high stress and incredibly demanding work hours. Other careers such as actors, engineers and retirees have lower than average premiums.
Do you save by driving less? – The higher the miles on your Nissan annually the higher your rate. Most companies price each vehicle’s coverage based on their usage. Cars that are left in the garage receive lower rates as compared to vehicles used primarily for driving to work. Ask your agent if your vehicle rating shows the right rating data, because improper ratings can cost you money. Improper usage on your cube may be wasting your money.
You are unique and your insurance should be too
When it comes to coverage online or from an agent, there is no perfect coverage plan. Your situation is unique so this has to be addressed.
These are some specific questions might point out if you would benefit from an agent’s advice.
- Will my insurance pay for OEM parts?
- Am I covered by my spouse’s policy after a separation?
- What is GAP insurance?
- What if I owe more than I can insure my car for?
- Is my Nissan cube covered for flood damage?
- How much liability do I need to cover my assets?
- Do I have coverage when pulling a U-Haul trailer?
If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It’s fast, free and can provide invaluable advice.
Exclusive versus independent insurance agents
A small number of people just want to talk to an insurance agent and that is a smart decision Agents are highly skilled in risk management and will help you if you have claims. A nice benefit of comparing rate quotes online is you may find better rates and still have a local agent.
For easy comparison, once you complete this short form, your insurance coverage information is submitted to companies in Tucson who will gladly provide quotes to get your business. There is no reason to drive around because prices are sent immediately to you. In the event you want to quote rates for a specific company, you would need to jump over to their website and give them your coverage information.
Picking the best provider requires you to look at more than just a cheap price quote. These are some valid questions you should ask.
- Will the agent or a CSR service your policy?
- If you have an accident, will your rates go up?
- By raising physical damage deductibles, how much would you save?
- Do they have any clout with companies to ensure a fair claim settlement?
- What will you get paid if your car is a total loss? How is that amount determined?
- Which members of your family are coverage by the policy?
- Has the agent ever had any license suspensions?
- Is there any savings for paying the full premium?
When finding local Tucson agents, it helps to know the two types of insurance agents that you can select. Agents can be classified as either exclusive agents or independent agents. Either type can do a good job, but it’s important to point out the differences because it can factor into buying decisions.
Exclusive Insurance Agencies
Agents of this type can only quote rates from one company and examples are Allstate, AAA, Farmers Insurance, and State Farm. Exclusive agents cannot shop your coverage around so keep that in mind. Exclusive agencies are usually quite knowledgeable on what they offer which helps them compete with independent agents. Consumers often buy insurance from these agents partially due to the brand legacy and the convenience of having all coverages with one company.
The following is a short list of exclusive agencies in Tucson who may provide you with comparison quotes.
- Allstate Insurance: Edmund Marquez
4420 E Speedway Blvd Ste 102 – Tucson, AZ 85712 – (520) 323-9333 – View Map - Julie Burnett – State Farm Insurance Agent
6590 E Tanque Verde Rd B – Tucson, AZ 85715 – (520) 885-2321 – View Map - Melissa Tureaud – State Farm Insurance Agent
7487 E Broadway Blvd – Tucson, AZ 85710 – (520) 296-9525 – View Map
Independent Agencies or Brokers
Agents in the independent channel do not write with just one company so they have the ability to put coverage with lots of companies and get the cheapest rates. To transfer your coverage to a different company, your agent can just switch to a different company and you don’t have to switch agencies.
When comparing rate quotes, you will definitely want to contact multiple independent agents in order to compare the most rates. Most have the option of insuring with companies that do not advertise much that can offer cheaper rates than bigger companies.
Below are Tucson independent insurance agents that can give you comparison quotes.
- Allied Insurance Group
2424 E Broadway Blvd # 114 – Tucson, AZ 85719 – (520) 918-2886 – View Map - RightSure Insurance Group
5151 E Broadway Blvd #120 – Tucson, AZ 85711 – (520) 901-7010 – View Map - John J Jewell Insurance Agency Inc
5442 E 5th St – Tucson, AZ 85711 – (520) 747-3737 – View Map
Auto insurance companies ranked
Ending up with a good quality auto insurance provider can be challenging considering how many choices you have in Tucson. The ranking data shown next may help you pick which auto insurers to look at when looking for cheaper rates.
Top 10 Tucson Car Insurance Companies Ranked by Customer Service
- State Farm
- GEICO
- The Hartford
- Mercury Insurance
- Progressive
- The General
- Allstate
- AAA Insurance
- American Family
- Nationwide
Top 10 Tucson Car Insurance Companies Ranked by Claims Service
- State Farm
- Esurance
- AAA Insurance
- GEICO
- Liberty Mutual
- Progressive
- Allstate
- Titan Insurance
- The Hartford
- Mercury Insurance
Keep this in mind when shopping around
As you go through the steps to switch your coverage, it’s very important that you do not skimp on coverage in order to save money. There are a lot of situations where someone dropped physical damage coverage only to find out that the few dollars in savings costed them thousands. Your focus should be to buy enough coverage for the lowest cost, but do not skimp to save money.
We just showed you a lot of information how to lower your Nissan cube insurance premium rates in Tucson. The key thing to remember is the more price quotes you have, the better likelihood of getting cheaper Tucson auto insurance quotes. You may even discover the best price on auto insurance is with an unexpected company. Regional companies may have significantly lower prices on certain market segments than their larger competitors like Progressive or GEICO.
For more information, take a look at the following helpful articles:
- When is the Right Time to Switch Car Insurance Companies? (Allstate)
- What Auto Insurance is Cheapest for a Toyota Tacoma in Tucson? (FAQ)
- State Car Insurance Guides (GEICO)
- Choosing a Car for Your Teen (State Farm)
- Should I Buy a New or Used Car? (Allstate)