Are you overwhelmed by the sheer number of car insurance companies in your area? People have such a vast assortment of companies available that it can easily become more work than you anticipated to find the perfect company for you. If you live there, you know that Newark is a great place to live, but inflated car insurance prices makes it impossible to buy proper levels of coverage.
How to buy lower priced Nissan cube insurance in Newark
The best way to save on car insurance rates in Newark is to annually compare prices from different companies who provide car insurance in New Jersey. Drivers can shop around by completing these steps.
- Step 1: Read about the coverage provided by your policy and the measures you can take to keep rates in check. Many policy risk factors that cause high rates like speeding and a negative credit score can be eliminated by making small lifestyle or driving habit changes. Read the full article for the details to get cheaper coverage and find available discounts that you may qualify for.
- Step 2: Obtain price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can give quotes from a single company like Progressive or Farmers Insurance, while independent agents can give you price quotes from multiple sources.
- Step 3: Compare the price quotes to the premium of your current policy to see if cheaper cube coverage is available in Newark. If you find better rates and make a switch, make sure there is no coverage gap between policies.
- Step 4: Provide adequate notice to your current company of your decision to cancel your current car insurance policy. Submit payment and a signed application to your new insurance company. As soon as coverage is bound, place the new proof of insurance certificate in your glove compartment.
An important part of this process is that you use the same physical damage deductibles and liability limits on every quote request and and to get prices from all possible companies. Doing this provides an apples-to-apples comparison and a complete price analysis.
It’s hard to believe, but almost 70% of insureds have stayed with the same insurance company for four years or more, and nearly the majority have never compared rates to find affordable insurance. Many consumers in Newark can save hundreds of dollars each year by just shopping around, but they don’t believe the rate savings if they switched to a more affordable policy.
Choosing the most cost-effective car insurance policy in Newark can be made easier if you know where to look. Nearly every car owner who is required to buy car insurance will more than likely get better rates. Although New Jersey car owners do need to know the methods companies use to calculate your car insurance rates and use it to your advantage.
How much is Nissan cube insurance in Newark?
There are several ways to compare prices from auto insurance companies in your area. The quickest method to compare Nissan cube insurance prices consists of shopping online.
It’s important to know that quoting more provides better odds of finding better pricing.
The providers in the list below are our best choices to provide price quotes in Newark, NJ. If you want to find cheap car insurance in Newark, we suggest you visit several of them to find the lowest auto insurance rates.
Insuring your vehicle just makes sense
Even though it’s not necessarily cheap to insure a Nissan in Newark, maintaining insurance may be required for several reasons.
- Almost all states have compulsory liability insurance requirements which means you are required to carry specific limits of liability protection if you don’t want to risk a ticket. In New Jersey 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 have a loan on your vehicle, most lenders will make it a condition of the loan that you carry insurance to ensure loan repayment if the vehicle is totaled. If you default on your policy, the lender may have to buy a policy to insure your Nissan for a lot more money and force you to pay for it.
- Insurance protects both your assets and your Nissan cube. Insurance will also pay for many types of medical costs for yourself as well as anyone injured by you. Liability insurance also pays expenses related to your legal defense if you are sued as the result of your driving. If mother nature or an accident damages your car, your policy will pay to have it repaired.
The benefits of buying enough insurance definitely exceed the cost, specifically if you ever have a liability claim. The average driver in America overpays more than $810 a year so it’s important to compare rates each time the policy renews to save money.
Insurance coverage analysis
The price information shown next highlights estimates of insurance policy prices for Nissan cube models. Understanding how policy rates are figured is important for making informed coverage decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Cube 2WD | $278 | $504 | $544 | $32 | $162 | $1,520 | $127 |
| Cube S 2WD | $320 | $504 | $544 | $32 | $162 | $1,562 | $130 |
| Cube SL 2WD | $320 | $614 | $544 | $32 | $162 | $1,672 | $139 |
| Cube Krom 2WD | $360 | $722 | $544 | $32 | $162 | $1,820 | $152 |
| Get Your Own Custom Quote Go | |||||||
Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and New Jersey minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Premium amounts do not factor in Newark location which can lower or raise prices significantly.
Higher deductibles save money
When shopping for insurance, a common question is which comprehensive and collision deductibles to buy. The data tables below summarize the differences in price between high and low comp and collision deductibles. The first data table uses a $250 comprehensive and collision deductible and the second price grid uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Cube 2WD | $324 | $514 | $480 | $28 | $144 | $1,515 | $126 |
| Cube S 2WD | $372 | $514 | $480 | $28 | $144 | $1,563 | $130 |
| Cube SL 2WD | $372 | $626 | $480 | $28 | $144 | $1,675 | $140 |
| Cube Krom 2WD | $420 | $738 | $480 | $28 | $144 | $1,835 | $153 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Cube 2WD | $200 | $324 | $480 | $28 | $144 | $1,176 | $98 |
| Cube S 2WD | $230 | $324 | $480 | $28 | $144 | $1,206 | $101 |
| Cube SL 2WD | $230 | $394 | $480 | $28 | $144 | $1,276 | $106 |
| Cube Krom 2WD | $258 | $464 | $480 | $28 | $144 | $1,374 | $115 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and New Jersey minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Prices do not factor in specific location information which can alter rates significantly.
Based on this data, using a $250 deductible will cost you roughly $32 more each month or $384 for a full year across all Nissan cube models than selecting the higher $1,000 deductible. Since you would have to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you average more than 23 months between claims, you would probably come out ahead if you choose the higher deductible.
Men versus women drivers and insurance cost
The example below visualizes the comparison of Nissan cube insurance costs for male and female drivers. The costs are based on no violations or claims, comprehensive and collision coverage, $1,000 deductibles, single status, and no discounts are taken into consideration.
Newark insurance discounts
Insurance can be prohibitively expensive, but there could be significant discounts that many consumers don’t even know exist. A few discounts will be applied at the time of purchase, but once in a while a discount must be requested specifically before being credited. If you do not double check each discount possible, you could be saving more on your insurance.
- Sign Early and Save – A few larger companies allow discounts for buying a policy prior to your current cube insurance policy expiration. You can save around 10% with this discount.
- Early Payment Discounts – If paying your policy premium upfront rather than spreading payments over time you could save up to 5%.
- Seat Belts Save – Drivers who require all occupants to wear their seat belts can save a little off the personal injury premium cost.
- Organization Discounts – Participating in certain professional organizations can get you a small discount on your next renewal.
- Passive Restraints and Air Bags – Factory options such as air bags may get savings of more than 20%.
- Drive Safe and Save – Drivers who avoid accidents may save up to 50% more compared to rates paid by drivers with frequent claims.
- Bundled Policy Discount – When you have multiple policies and insure them with the same company you could save up to 20% and get you cheaper cube insurance.
- E-sign – A handful of companies may give you up to $50 just for signing your application over the internet.
It’s important to understand that many deductions do not apply to all coverage premiums. Most only reduce specific coverage prices like liability, collision or medical payments. Even though it appears you would end up receiving a 100% discount, it doesn’t quite work that way.
The diagram below visualizes the comparison of Nissan cube insurance premiums with and without discounts applied to the policy premium. Data assumes a male driver, no tickets, no at-fault accidents, New Jersey state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, marriage, claim-free, multi-car, multi-policy, and safe-driver discounts applied.
The best insurance companies and a summarized list of policyholder discounts include:
- State Farm may include discounts for Drive Safe & Save, multiple autos, driver’s education, passive restraint, Steer Clear safe driver discount, anti-theft, and accident-free.
- Farmers Insurance offers premium reductions for homeowner, distant student, business and professional, youthful driver, good student, switch companies, and bundle discounts.
- GEICO discounts include multi-vehicle, multi-policy, five-year accident-free, emergency military deployment, daytime running lights, and defensive driver.
- American Family may offer discounts for multi-vehicle, air bags, good driver, TimeAway discount, bundled insurance, and mySafetyValet.
- Nationwide includes discounts for family plan, defensive driving, anti-theft, good student, multi-policy, and Farm Bureau membership.
- Progressive policyholders can earn discounts including online quote discount, good student, multi-vehicle, multi-policy, online signing, and homeowner.
If you want the cheapest Nissan cube rate quotes, ask every prospective company which discounts you may be entitled to. Some of the discounts discussed earlier might not apply in Newark. If you would like to see a list of providers offering insurance discounts in New Jersey, follow this link.
Comparing rates from local Newark insurance agencies
Many drivers would rather buy from a licensed agent and that is a personal choice. The biggest benefit of price shopping on the web is the fact that drivers can get cheap auto insurance rates and still have an agent to talk to.
After filling out this simple form, the quote information is instantly submitted to agents in your area who will gladly provide quotes for your business. It’s much easier because you don’t need to search for an agent because prices are sent to your email. You can most likely find cheaper rates and an insurance agent to talk to. If you need to get a comparison quote for a specific company, don’t hesitate to jump over to their website and complete a quote there.
Finding the right insurer should include more criteria than just the quoted price. Any good agent in Newark should know the answers to these questions.
- What discounts might you be missing?
- Which companies can they place coverage with?
- Can you contact them at any time?
- If you have an accident, will your rates go up?
- Do they offer rental car reimbursement?
When narrowing the list to find a local Newark insurance agent, you must know there are a couple types of agencies that differ in how they can insure your vehicles. Newark agents can be categorized as either independent or exclusive.
Exclusive Auto Insurance Agents
These type of agents can only write with one company such as State Farm, Allstate, and Farm Bureau. Exclusive agents cannot provide other company’s prices so you might not find the best rates. They are highly trained in insurance sales and that enables them to sell even at higher rates. Some consumers prefer to purchase coverage from exclusives mostly because of high brand loyalty rather than low price.
Below are exclusive agencies in Newark who can help you get price quotes.
- Farmers Insurance – Christine Veliz
229 Bloomfield Ave – Newark, NJ 07104 – (973) 482-1975 – View Map - State Farm Insurance
360 Chestnut St – Newark, NJ 07105 – (800) 701-5909 – View Map - State Farm: Zanetta Glover
570 Broad St #114 – Newark, NJ 07102 – (973) 648-0699 – View Map
Independent Agents
Agents in the independent channel are not restricted to one company and that enables them to quote your coverage with multiple insurance companies and find you the best rates. To transfer your coverage to a different company, your policy is moved internally without you having to go to a different agency. If you need cheaper auto insurance rates, you definitely need to compare quotes from several independent insurance agents to have the best price comparison. They often place coverage with companies that do not advertise much which may have better rates.
Below are Newark independent insurance agencies that can give you rate quotes.
- Astor C Wilson Insurance Agency
88 Pacific St – Newark, NJ 07105 – (973) 491-0002 – View Map - Newark Cheaper Auto Insurance
11 Mulberry St – Newark, NJ 07102 – (206) 337-9544 – View Map - METROPLUS INSURANCE AGENCY-BELLEVILLE
338 Washington Ave – Belleville, NJ 07109 – (973) 759-8291 – View Map
It’s not one size fits all
When it comes to proper insurance coverage, there really is not a “perfect” insurance plan. Your situation is unique and your auto insurance should be unique as well.
These are some specific questions may help highlight if your insurance needs would benefit from professional advice.
- Should I buy additional glass protection?
- Which is better, split liability limits or combined limits?
- Will filing a claim cost me more?
- Do I have coverage when using my vehicle for my home business?
- Can I pay claims out-of-pocket if I buy high deductibles?
- At what point should I drop full coverage?
- Will my Nissan cube be repaired with OEM or aftermarket parts?
- Is a new car covered when I drive it off the dealer lot?
- Can I afford to buy a different vehicle if my Nissan cube is totaled?
If you’re not sure about those questions but a few of them apply, then you may want to think about talking to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of auto insurance companies in your area.
Cheap car insurance rates are out there
Cheaper Nissan cube insurance in Newark can be purchased from both online companies and with local Newark insurance agents, so get free Newark car insurance quotes from both of them in order to have the best chance of saving money. There are still a few companies who may not have the ability to get quotes online and many times these smaller companies work with independent insurance agents.
You just read some good ideas how you can compare Nissan cube insurance rates in Newark. The most important thing to understand is the more rate quotes you have, the better your chances of lowering your auto insurance rates. Drivers may even discover the lowest rates are with some of the smallest insurance companies. Regional companies may cover specific market segments cheaper as compared to the big name companies such as Allstate or State Farm.
How to find affordable Nissan cube insurance in Newark
Really, the only way to find more affordable Nissan cube insurance in Newark is to start comparing prices yearly from providers who sell auto insurance in New Jersey. This can be done by following these guidelines.
- First, spend a few minutes and learn about what coverages are included in your policy and the things you can change to prevent expensive coverage. Many risk factors that increase rates such as traffic citations, accidents, and poor credit history can be remedied by making minor changes in your lifestyle.
- Second, request price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can provide rates from one company like Progressive or Allstate, while agents who are independent can provide prices from multiple companies. Find a Newark insurance agent
- Third, compare the new rates to your existing rates and determine if there is any savings. If you find a better price and buy the policy, make sure there is no coverage gap between policies.
An important part of this process is to use similar coverage information on each quote and and to get quotes from as many car insurance companies as possible. This provides the most accurate price comparison and the best price selection.
Additional car insurance information is located on the following sites:
- How Does Hitting a Deer Impact Insurance Rates? (Allstate)
- Who Has the Cheapest Auto Insurance Rates for a Learners Permit in Newark? (FAQ)
- Who Has Cheap Newark Auto Insurance for Unemployed Drivers? (FAQ)
- Who Has Affordable Newark Auto Insurance for Infrequent Drivers? (FAQ)
- Who Has Affordable Auto Insurance for Police Officers in Newark? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for 4×4 Vehicles in Newark? (FAQ)
- What Auto Insurance is Cheapest for Drivers with a DUI in Newark? (FAQ)
- What are my Rights when Filing a Claim? (Insurance Information Institute)
- Comprehensive Coverage (Liberty Mutual)
- Vehicle Size and Weight FAQ (iihs.org)
- Understanding your Policy (NAIC.org)