Finding cheaper Nissan cube insurance in Bakersfield is a challenge for beginners to online rate comparisons. You have so many companies to choose from that it can turn into a chore to find the best coverage rates.
How to find better rates for Nissan cube insurance in Bakersfield
The best way we recommend to find affordable quotes for Nissan cube insurance is to begin comparing prices regularly from different companies in Bakersfield. Price quotes can be compared by following these guidelines.
First, it will benefit you to learn about how insurance companies determine prices and the steps you can take to prevent rate increases. Many rating criteria that cause high rates such as traffic violations and poor credit history can be eliminated by making minor driving habit or lifestyle changes. Read the full article for more ideas to help prevent costly coverage and find hidden discounts.
Second, compare price quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can only give prices from one company like GEICO or Allstate, while independent agencies can give you price quotes from multiple sources.
Third, compare the new quotes to your existing policy to see if switching to a new carrier will save money. If you find a better price, make sure there is no lapse between the expiration of your current policy and the new one.
Fourth, provide adequate notice to your current company to cancel your current coverage. Submit payment and a completed application to the new company. Immediately upon receiving it, store the proof of insurance paperwork somewhere easily accessible.
The key aspect of shopping around is to make sure you enter the same liability limits and deductibles on each quote request and and to get quotes from as many different insurance providers as possible. This provides a level playing field and a better comparison of the market.
Astonishing but true according to a recent study, a large majority of drivers kept buying from the same company for a minimum of four years, and nearly the majority have never compared car insurance rates at all. The average driver in Bakersfield can save $500 each year just by getting comparison quotes, but they don’t know the amount of savings they would get if they changed companies.
It’s important to do rate comparisons once or twice a year since prices are usually higher with each renewal. Even if you got the lowest rates on Nissan cube insurance in Bakersfield a year ago the chances are good that you can find a lower premium rate today. There is too much inaccurate information about cube insurance online but I’m going to show you a lot of great tips on how to buy car insurance cheaper in Bakersfield.
Locating the most cost-effective auto insurance policy in Bakersfield is really quite simple as long as you have a good starting point. Practically every person who comparison shops for auto insurance will probably find a lower-cost company. Nevertheless, California drivers need to have an understanding of how companies price online insurance and take advantage of how the system works.
Nissan cube insurance quotes comparison
Keep in mind that quoting more will improve the odds of getting better pricing.
The companies shown below are our best choices to provide comparison quotes in Bakersfield, CA. If more than one company is shown, we recommend you compare several of them to get the most competitive price.
Insurance rate breakdown
The premium information shown below outlines different coverage prices for Nissan cube models. Having knowledge of how insurance prices are calculated can help drivers make decisions on the best policy coverages.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Cube 2WD | $292 | $544 | $534 | $32 | $160 | $1,562 | $130 |
| Cube S 2WD | $334 | $544 | $534 | $32 | $160 | $1,604 | $134 |
| Cube SL 2WD | $334 | $662 | $534 | $32 | $160 | $1,722 | $144 |
| Cube Krom 2WD | $378 | $780 | $534 | $32 | $160 | $1,884 | $157 |
| Get Your Own Custom Quote Go | |||||||
Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Rate information does not factor in garaging location in Bakersfield which can modify prices significantly.
Deductible comparison
One of the hardest decisions when shopping for auto insurance is which deductibles should you choose. The premium rates below may aid in understanding the price difference between low and high physical damage deductibles. The first rate quote example uses a $100 deductible and the second pricing table 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 | |||||||
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Rates do not factor in vehicle garaging location which can influence coverage prices substantially.
Based on the figures above, using a $100 deductible will cost you about $43 more each month or $516 annually than choosing the higher $1,000 deductible. Because you would pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to go at a minimum 21 months between claims, you would most likely save money by going with a higher deductible.
Auto insurance rates based on gender
The diagram below visualizes the comparison of Nissan cube car insurance rates for male and female drivers. The data is based on no violations or accidents, full coverage, $500 deductibles, single status, and no other discounts are factored in.
Cost comparison with and without full coverage
The diagram below illustrates the comparison of Nissan cube auto insurance rates when comparing full coverage to liability only. The rates are based on no claims, a clean driving record, $250 deductibles, marital status is single, and no discounts are taken into consideration.
Are you wasting money paying for full coverage?
There is no clear-cut formula to stop buying comprehensive and collision coverage on your policy, but there is a general guideline you can use. If the yearly cost for physical damage coverage is more than around 10% of any settlement you would receive from your insurance company, then it could be time to drop full coverage.
For example, let’s assume your Nissan cube book value is $7,000 and you have $1,000 physical damage 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 premiums are more than $600 a year for comprehensive and collision coverage, the it may be a good time to stop paying for full coverage.
There are a few cases where removing full coverage is not advised. If you haven’t satisfied your loan, you must maintain physical damage coverage in order to prevent your loan from defaulting. Also, if you can’t afford to buy a different vehicle in case of an accident, you should not buy liability only.
Why you need quality insurance for your cube
Despite the fact that auto insurance is not cheap in Bakersfield, insuring your vehicle is not optional due to several reasons.
- Most states have compulsory liability insurance requirements which means it is punishable by state law to not carry a specific minimum amount of liability if you want to drive legally. 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 you took out a loan on your Nissan, almost every bank will have a requirement that you buy full coverage to ensure loan repayment if the vehicle is totaled. If you let the policy lapse, the bank or lender will purchase a policy for your Nissan at an extremely high rate and require you to pay much more than you were paying before.
- Insurance protects both your assets and your Nissan. It will also cover many types of medical costs for not only you but also any passengers injured in an accident. One policy coverage, liability insurance, will also pay to defend you if anyone sues you for causing an accident. If mother nature or an accident damages your car, comprehensive and collision coverage will pay to have it repaired.
The benefits of insuring your car definitely exceed the cost, particularly if you ever have a claim. Despite what companies tell you, the average driver is overpaying more than $820 a year so it’s recommended you shop around every year to ensure rates are competitive.
How Insurers Determine Nissan cube Insurance Premiums
The best way to find cheaper auto insurance is to take a look at the different types of things that come into play when calculating your auto insurance rates. If you have some idea of what determines premiums, this empowers consumers to make smart changes that can earn you lower premium levels.
Type of car determines base rates – The performance of the car or truck you drive makes a significant difference in your car insurance bill. The most favorable rates are generally reserved for smaller low performance passenger vehicles, but that’s not the only thing that factors into the final price.
The next chart uses these assumptions: single male driver age 20, full coverage with $100 deductibles, and no discounts or violations. The data compares Nissan cube rates compared to other models of vehicles that have a range of performance risks.
Save money with theft deterrents – Choosing to buy a car with a theft deterrent system can help lower your rates. Anti-theft features like vehicle immobilizer systems, OnStar, and tracking devices like LoJack all aid in stopping car theft and help bring rates down.
Your address can influence price – Living in a small town has definite advantages when trying to find low car insurance rates. Fewer people means less chance of accidents and a lower car theft rate. Drivers who live in large California cities have to deal with much more traffic and a longer drive to work. More time on the road means more chances of being involved in an auto accident.
Drivers with excellent credit save – Having a bad credit score can be a huge factor in calculating your premium rate. Drivers with excellent credit tend to file fewer claims than drivers who have bad credit. Therefore, if your credit score leaves room for improvement, you may save money insuring your Nissan cube by spending a little time repairing your credit.
If you don’t need it don’t buy it – Insurance companies have many additional coverages that you can buy on your cube policy. Things like coverage for rental cars, towing, and motor club memberships could be just wasting money. They may sound like good ideas when buying your policy, but now you might not need them so remove them from your policy.
Liability protection limits are a factor – Your auto insurance policy’s liability coverage is the coverage that protects you in the event that a jury decides you are liable for physical damage or personal injury to other. It provides for a legal defense which can cost a lot. Liability insurance is pretty cheap compared to comp and collision, so insureds should have plenty of protection for their assets.
Car insurance policy discounts you can’t miss
Not many people think insurance is cheap, but there’s a good chance there are discounts to reduce the price significantly. Some trigger automatically when you get a quote, but some must be specially asked for prior to receiving the credit.
- Drive Safe and Save – Insureds who avoid accidents could pay up to 40% less than drivers with accident claims.
- Accident Forgiveness Coverage – Not a discount per se, but some companies like State Farm, Progressive and GEICO may permit one accident without the usual rate increase if you have no claims for a set time period.
- E-sign – Some companies may give you up to $50 shop Bakersfield auto insurance on the web.
- Good Student Discount – Performing well in school may save you up to 25%. The good student discount can last up until you turn 25.
- Pay Now and Pay Less – By paying your policy upfront instead of making monthly payments you can actually save on your bill.
Remember that many deductions do not apply to the entire policy premium. Most only cut specific coverage prices like comp or med pay. So even though you would think adding up those discounts means a free policy, nobody gets a free ride.
The chart below visualizes the comparison of Nissan cube insurance prices with and without discounts applied to the premium. Data assumes a female driver, no accidents or driving violations, California 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-car, safe-driver, multi-policy, marriage, homeowner, and claim-free discounts applied.
Companies who may offer most of the discounts above include:
Before purchasing a policy, check with each company how you can save money. All car insurance discounts may not be available in Bakersfield. If you would like to see a list of car insurance companies that offer multiple discounts in California, follow this link.
Are insurance agencies a thing of the past?
Some people still prefer to get professional advice from a licensed agent. One of the great benefits of getting online price quotes is the fact that drivers can get better rates and still have an agent to talk to.
After filling out this quick form, your information is sent to companies in Bakersfield that give free quotes for your insurance coverage. It’s much easier because you don’t need to leave your computer because prices are sent directly to you. You can get cheaper auto insurance rates and a licensed agent to talk to. If you have a need to get a comparison quote from a particular provider, don’t hesitate to find their quoting web page and fill out their quote form.
Finding the right provider should depend on more than just a low price. Before buying a policy in Bakersfield, get answers to these questions.
- Do they offer accident forgiveness?
- Is the quote a firm price?
- Do the agents have professional certifications like CPCU or CIC?
- Which insurance company do they prefer to write with?
- Do they have a Better Business Bureau rating in Bakersfield?
Do you need an independent or exclusive auto insurance agent?
If you need to find a local insurance agency, you need to know there are two types of insurance agents that differ in how they can insure your vehicles. Auto insurance agents are categorized either exclusive or independent (non-exclusive).
Exclusive Auto Insurance Agents
Agents of this type can only quote rates from one company such as Farmers Insurance, Allstate, or State Farm. These agents are unable to provide prices from multiple companies so they have no alternatives for high prices. They receive extensive training on sales techniques which helps overcome the inability to quote other rates. Consumers sometimes use the same exclusive agent partially due to loyalty to the company rather than having low rates.
Below is a list of exclusive insurance agents in Bakersfield willing to provide comparison quotes.
- Sal Brito – State Farm Insurance Agent
1410 Wible Rd #107 – Bakersfield, CA 93304 – (661) 398-5144 – View Map - Dawn Fore – State Farm Insurance Agent
4801 Truxtun Ave #200 – Bakersfield, CA 93309 – (661) 324-2300 – View Map - James Stuart – State Farm Insurance Agent
5125 Ming Ave – Bakersfield, CA 93309 – (661) 831-6266 – View Map
Independent Auto Insurance Agents
These type of agents do not work for one specific company so they have the ability to put coverage amongst many companies and find you cheaper rates. If you want to switch companies, your agent can switch companies without you having to go to a different agency.
When searching for an agent, you need to get insurance quotes from independent agents for maximum quote selection. Many independent agencies also insure through smaller companies that can offer cheaper rates than bigger companies.
The following are independent insurance agencies in Bakersfield that are able to give price quotes.
- Clifford and Bradford Insurance Agency
1515 20th St – Bakersfield, CA 93301 – (661) 283-8100 – View Map - California Canyon Insurance Agency
B, 4900 California Ave #210 – Bakersfield, CA 93309 – (661) 377-2978 – View Map - Hay Insurance Agency Inc.
4921 Calloway Dr # 101 – Bakersfield, CA 93312 – (661) 829-8933 – View Map
Final considerations
While you’re price shopping online, it’s very important that you do not buy poor coverage just to save money. In many instances, an insured dropped uninsured motorist or liability limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. The proper strategy is to get the best coverage possible at an affordable rate and still be able to protect your assets.
People leave their current company for many reasons like lack of trust in their agent, high rates after DUI convictions, policy non-renewal or even poor customer service. No matter why you want to switch, finding a new insurance company is pretty easy and you might even save some money in the process.
Cheaper insurance in Bakersfield is attainable both online as well as from insurance agents, and you need to comparison shop both to have the best selection. There are still a few companies who may not offer the ability to get quotes online and these small, regional companies only sell through local independent agents.
How to save money on Nissan cube insurance in Bakersfield
Truthfully, the best way to get budget Nissan cube insurance is to regularly compare quotes from companies who sell insurance in Bakersfield.
- Step 1: Try to learn a little about auto insurance and the modifications you can make to drop your rates. Many rating factors that result in higher prices such as accidents, traffic violations, and an imperfect credit rating can be controlled by making minor driving habit or lifestyle changes.
- Step 2: Compare prices from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can provide rates from one company like GEICO and Allstate, while agents who are independent can quote prices from multiple sources.
- Step 3: Compare the price quotes to the price on your current policy to see if a cheaper rate is available in Bakersfield. If you find a lower rate, verify that coverage does not lapse between policies.
- Step 4: Notify your company or agent of your intention to cancel your current car insurance policy and submit a down payment along with a completed application for the new coverage. When you receive it, keep your new proof of insurance paperwork in your vehicle’s glove compartment or console.
An important bit of advice to remember is that you use the same liability limits and deductibles on every quote and and to get quotes from every company you can. Doing this enables an accurate price comparison and a complete price analysis.
To read more, feel free to visit the articles below:
- Prepare your Teens for Safe Driving (InsureUonline.org)
- Who Has Cheap Car Insurance Rates for Felons in Bakersfield? (FAQ)
- Who Has the Cheapest Car Insurance for a Nissan Rogue in Bakersfield? (FAQ)
- Who Has the Cheapest Car Insurance for a Nissan Sentra in Bakersfield? (FAQ)
- How Much are Bakersfield Auto Insurance Rates for Drivers with Good Credit? (FAQ)
- Who Has Cheap Auto Insurance for Drivers Under 21 in Bakersfield? (FAQ)
- Who Has Affordable Bakersfield Auto Insurance for Uninsured Drivers? (FAQ)
- How to shop for a safer car (Insurance Institute for Highway Safety)
- What is a Telematics Device? (Allstate)
- A Tree Fell on Your Car: Now What? (Allstate)
- Steps to Take After an Auto Accident (Insurance Information Institute)