Discount Nissan cube insuranceAre you frustrated by the number of insurance providers available to you? Colorado consumers have such a vast assortment of providers available that it can turn into a ton of work to find a cheaper company. If you live there, you know that Fort Collins is an awesome place to live, but expensive insurance rates can make it nearly impossible to pay for enough insurance coverage.

It's amazing but most drivers have stayed with the same insurance company for over three years, and about 40% of consumers have never shopped around. Many consumers in Colorado could save $605 every year just by shopping around, but they assume it's a waste of time to shop around.

It's a great practice to check insurance prices once or twice a year since insurance rates trend upward over time. Despite the fact that you may have had the best deal on Nissan cube insurance in Fort Collins a couple years back you will most likely find a better price today. You'll find a ton of advice on cube insurance on the internet, but you can learn some of the best techniques to put money back in your pocket.

If you are paying for car insurance now, you should be able to get lower rates using the ideas covered in this article. Comparing quotes for the best policy in Fort Collins is simple if you know the tricks. Although Colorado drivers do need to understand the way companies charge you for coverage because rates fluctuate considerably.

When comparison shopping, comparing more prices increases your odds of finding the best offered rates. Some smaller insurers do not give price estimates online, so you should also compare price estimates from them as well.

The companies shown below have been selected to offer free rate quotes in Colorado. If more than one company is shown, we suggest you visit as many as you can to get the cheapest price.

Nissan cube Insurance Rates in Fort Collins, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Cube 2WD $166 $312 $396 $24 $118 $1,016 $85
Cube S 2WD $172 $258 $338 $20 $100 $888 $74
Cube SL 2WD $296 $628 $426 $26 $128 $1,504 $125
Cube Krom 2WD $192 $360 $330 $20 $98 $1,000 $83
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Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Rates do not factor in garaging location in Fort Collins which can impact premiums greatly.

Rate comparison of full coverage and liability-only

The illustration below shows the comparison of Nissan cube insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Colorado. The costs are based on a clean driving record, no claims, $100 deductibles, married male driver, and no other discounts are factored in.

Guidelines for dropping full coverage

There is no definitive rule for eliminating comp and collision coverage, but there is a general school of thought. If the yearly cost of comp and collision coverage is more than around 10% of replacement cost minus your deductible, then you might consider buying liability only.

For example, let's say your Nissan cube claim settlement value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most your company would pay you is $2,000 after the policy deductible has been paid. If it's costing in excess of $200 annually for physical damage coverage, then it might be time to consider dropping full coverage.

There are a few cases where eliminating full coverage is not financially feasible. If you still have a lienholder on your title, you have to carry full coverage to protect the lienholder's interest. Also, if you don't have enough money to buy a different vehicle if your current one is damaged, you should maintain full coverage.

Analysis of deductible levels

One of the most common auto insurance questions is where to set your physical damage deductibles. The tables below help summarize how much more you'll pay when you choose different deductibles. The first set of rates uses a $250 deductible and the second set of prices uses a $1,000 deductible.

Nissan cube insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Cube 2WD $236 $376 $352 $20 $106 $1,115 $93
Cube S 2WD $272 $376 $352 $20 $106 $1,151 $96
Cube SL 2WD $272 $458 $352 $20 $106 $1,233 $103
Cube Krom 2WD $306 $538 $352 $20 $106 $1,347 $112
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Nissan cube insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Cube 2WD $146 $236 $352 $20 $106 $860 $72
Cube S 2WD $168 $236 $352 $20 $106 $882 $74
Cube SL 2WD $168 $288 $352 $20 $106 $934 $78
Cube Krom 2WD $190 $340 $352 $20 $106 $1,008 $84
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Premium amounts do not factor in garaging location in Fort Collins which can alter premiums substantially.

Based on this data, we can arrive at the conclusion that using a $250 deductible could cost the average driver approximately $24 more each month or $288 every year than opting for the higher $1,000 deductible. Since you would have to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you have at a minimum 31 months between claims, you would come out ahead by selecting a higher deductible. The table below illustrates how we made this calculation.

Average monthly premium for $250 deductibles: $101
Average monthly premium for $1,000 deductibles (subtract): - $77
Monthly savings from raising deductible: $24
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $24
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 31 months

One important caveat is that higher deductibles means you will have to pay more out-of-pocket at claim time. You must have some extra savings in the event you need to pay the deductible.

Auto insurance rates by age and gender

The diagram below shows the comparison of Nissan cube insurance premiums for male and female drivers. The rates are based on a clean driving record, no at-fault accidents, comprehensive and collision coverage, $1,000 deductibles, drivers are single, and no other discounts are factored in.

Discount Fort Collins auto insurance rates

Insurance can cost an arm and a leg, but you may find discounts to cut the cost considerably. A few discounts will be applied at quote time, but some discounts are required to be specially asked for prior to receiving the credit.Cheaper auto insurance with discounts

Policy discounts save money, but most discount credits are not given to the overall cost of the policy. Some only reduce the price of certain insurance coverages like collision or personal injury protection. So when it seems like you can get free auto insurance, auto insurance companies aren't that generous. Any amount of discount will help reduce your overall premium however.

If you would like to choose from a list of insurers that can offer you the previously mentioned discounts in Fort Collins, click this link.

Auto insurance in Colorado serves several purposes

Despite the high cost, buying auto insurance is required in Colorado but also provides important benefits.

The benefits of buying enough insurance more than offset the price you pay, especially when you need to use it. An average driver in America overpays more than $820 a year so compare quotes from several companies every year to help ensure money is not being wasted.

When do I need to talk to an insurance agency?

A lot of people still like to get advice from a local agent and that is a personal choice. One of the best bonuses of comparing insurance prices online is that you can find the best rates but still work with a licensed agent.

Fort Collins insurance agentsFor easy comparison, once you complete this simple form, the quote information is sent to agents in your area who will return price quotes to get your business. It makes it easy because there is no need to even leave your home since price quotes are sent to the email address you provide. You can get cheaper car insurance rates without the usual hassles of price shopping. If you wish to get a rate quote from a particular provider, you just need to jump over to their website and submit a quote form there.

Deciding on an insurer requires more thought than just a cheap price. The questions below may impact your decision as well.

When finding a local insurance agency, it's important to understand the different types of agents and how they are slightly different. Car insurance agencies can be classified as either exclusive or independent (non-exclusive).

Exclusive Car Insurance Agents

Exclusive agencies can only quote rates from one company such as Allstate, AAA, Farmers Insurance, and State Farm. They generally cannot provide rate quotes from other companies so they are skilled at selling on more than just price. Exclusive agents are very knowledgeable in insurance sales and that can be a competitive advantage. Some consumers prefer to buy from exclusive agents primarily because of the brand and solid financial strength.

The following are Fort Collins exclusive insurance agencies that can give you comparison quotes.

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Independent Agencies or Brokers

Independent insurance agents do not sell for just one brand so they have the ability to put coverage with many different companies and potentially find a lower price. If they find a cheaper price, they can switch companies in-house and you don't have to switch agencies. When searching for an agent, it's a good idea to get insurance quotes from independent agents to have the best price comparison. They often place coverage with small regional insurance companies which may provide better rates.

Listed below are Fort Collins independent agencies willing to provide comparison quotes.

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If you feel you receive good feedback for all questions you ask and a good coverage price, you may have found an insurance agency that is reliable enough to provide car insurance coverage. Just keep in mind you can always cancel your coverage whenever you want so don't assume that you are obligated to a policy for the entire policy term.