Do you need a fast way to compare low-cost car insurance rates in San Francisco, CA? San Francisco consumers have options when looking for affordable Nissan cube insurance. You can either spend your time struggling with agents to get rate comparisons or leverage the internet to compare rates. There is a better way to find car insurance online so you’re going to learn the best way to compare rates on a Nissan and get the lowest possible price from San Francisco insurance agents and online providers.
If you have coverage now or are looking for a new policy, take advantage of these tips to shop for the lowest rates and still have adequate protection. This information will introduce you to the best methods to compare rates and also pocket some savings Drivers only need to know the least time-consuming way to shop from many companies at once.
Auto insurance providers offering cheap price quotes in California
The companies in the list below are our best choices to provide free rate quotes in San Francisco, CA. If several companies are displayed, it’s highly recommended you click on several of them to find the most competitive auto insurance rates.
Nissan cube insurance rate analysis
The table shown below outlines estimates of insurance premium costs for Nissan cube models. Learning a little about how rate quotes are formulated is important for drivers to make smart choices when comparing insurance rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Cube 2WD | $158 | $306 | $500 | $30 | $150 | $1,144 | $95 |
| Cube S 2WD | $182 | $306 | $500 | $30 | $150 | $1,168 | $97 |
| Cube SL 2WD | $182 | $372 | $500 | $30 | $150 | $1,234 | $103 |
| Cube Krom 2WD | $204 | $440 | $500 | $30 | $150 | $1,324 | $110 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Rate quotes do not factor in specific zip code location which can change rates noticeably.
Should you raise deductibles?
The hardest decision when buying coverage is how low should you set your deductibles. The rates shown below can help you understand the rate differences when you buy lower versus higher policy deductibles. The first set of rates uses a $100 deductible for physical damage and the second set of rates uses a $500 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 | $242 | $382 | $442 | $26 | $132 | $1,224 | $102 |
| Cube S 2WD | $278 | $382 | $442 | $26 | $132 | $1,260 | $105 |
| Cube SL 2WD | $278 | $464 | $442 | $26 | $132 | $1,342 | $112 |
| Cube Krom 2WD | $314 | $546 | $442 | $26 | $132 | $1,460 | $122 |
| 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, homeowner, multi-vehicle, claim-free, and safe-driver. Rates do not factor in vehicle location which can decrease or increase price quotes substantially.
We can derive from the above data that using a $100 deductible costs an average of $29 more each month or $348 annually averaged for all cube models than buying the higher $500 deductible. Since you would have to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you go at least 14 months between claims, you would most likely save money if you choose a higher deductible.
Age, gender, and Nissan cube insurance
The example below compares Nissan cube insurance prices for male and female drivers. The price estimates are based on no claims or driving citations, comprehensive and collision coverage, $500 deductibles, drivers are single, and no discounts are applied to the premium.
Full coverage rates compared to liability-only
The diagram below visualizes the comparison of Nissan cube insurance prices with and without physical damage coverage. The premium estimates are based on no claims or violations, $100 deductibles, marital status is single, and no discounts are applied.
Should you pay for full coverage?
There is no set rule of when to drop physical damage coverage on your policy, but there is a guideline you can consider. If the annual cost of your full coverage insurance is 10% or more of any settlement you would receive from your insurance company, then you might want to consider buying only liability coverage.
For example, let’s say your Nissan cube settlement value is $6,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most your company would pay you is $5,000 after paying your policy deductible. If it’s costing in excess of $500 a year to have full coverage, then it might be time to consider dropping full coverage.
There are some circumstances where removing full coverage is not a good idea. If you still have a lienholder on your title, you have to keep full coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is damaged, you should not drop full coverage.
Nissan cube Insurance Premiums Can Be More Affordable
Many factors are considered when quoting car insurance. A few of the factors are predictable like an MVR report, although others are not quite as obvious such as your credit history or how financially stable you are. The best way to find cheaper auto insurance is to take a look at some of the elements that are used to determine the level of your policy premiums. If you understand what influences your rates, this empowers consumers to make smart changes that could result in big savings.
Listed below are a few of the things used by companies to determine rates.
- Rates impacted by your city – Living in areas with lower population can be a good thing when insuring your vehicles. Fewer drivers and short commutes translates into fewer accident claims as well as less vandalism and auto theft. People in densely populated areas have more auto accidents and longer commute times. More time on the road means more chance of being in an accident.
- Insure car and home with the same company – Lots of insurance companies afford a discount to insureds that purchase more than one policy such as combining an auto and homeowners policy. Discounts can be 10 percent or more. Even if you’re getting this discount you may still want to compare Nissan cube rates in San Francisco to guarantee you are still saving the most. You may still save even more than the discount even if you have your coverage with different companies
- Cars with good safety ratings cost less to insure – Cars with five star safety ratings get lower rates. These vehicles reduce occupant injuries and fewer serious injuries means lower claim amounts which can result in lower premiums.
- Bad credit hurts insurance prices – Having a good credit score is a large factor in determining your rates. Insureds that have excellent credit tend to be more responsible than those with lower credit scores. If your credit score is not that good, you may save money insuring your Nissan cube by improving your credit score.
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Younger drivers are expensive to insure – More experienced drivers are more responsible, cause fewer claims and accidents, and receive fewer citations. Youthful drivers are statistically proven to be easily distracted when driving with friends so auto insurance rates are higher.
The next chart uses these variables: single driver, full coverage with $1000 deductibles, and no discounts or violations.
- Higher prices for high stress occupations – Occupations like doctors, architects, and medical professionals tend to pay higher premium rates because of job stress and long work days. Conversely, jobs like farmers, historians and retirees generally pay rates lower than average.
Discount San Francisco auto insurance rates
Some providers do not advertise all their discounts very well, so the following is a list of a few of the more well known as well as some of the hidden auto insurance savings. If you do not check that you are getting every discount possible, you’re just leaving money on the table.
- Accident Forgiveness – Not necessarily a discount, but companies like Progressive, Allstate, and Liberty Mutual permit an accident before hitting you with a surcharge if you are claim-free before the accident.
- Multi-car Discount – Insuring more than one vehicle with the same company can get a discount for every vehicle.
- Home Ownership Discount – Just owning your own home may earn you a small savings because of the fact that having a home is proof of financial responsibility.
- Anti-theft System – Cars optioned with advanced anti-theft systems have a lower chance of being stolen and that can save you a little bit as well.
- Driving Data Discount – San Francisco drivers who agree to allow companies to analyze where and when they drive remotely such as State Farm’s In-Drive could see a rate decrease as long as they are good drivers.
- Drivers Ed for Students – Reduce the cost of insurance for teen drivers by having them complete a driver education course as it can save substantially.
- Paperwork-free – Certain companies will give a small break for buying your policy online.
- Multiple Policy Discount – If you insure your home and vehicles with the same insurance company you may earn 10% to 20% off each policy.
- Full Payment Discount – By paying your entire bill at once rather than paying in monthly installments you can avoid monthly service charges.
- Multi-line Discount – Some insurance companies give a discounted auto insurance rate on car insurance if you buy life insurance.
Discounts save money, but please remember that most discount credits are not given to the overall cost of the policy. Most only cut the cost of specific coverages such as comprehensive or collision. Just because you may think adding up those discounts means a free policy, companies wouldn’t make money that way.
The example below compares Nissan cube car insurance costs with and without discounts. The costs are based on a male driver, no claims or driving citations, California state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, homeowner, multi-car, multi-policy, claim-free, and safe-driver discounts applied.
Companies and some of the discounts include:
- GEICO discounts include multi-policy, good student, anti-theft, daytime running lights, anti-lock brakes, emergency military deployment, and multi-vehicle.
- USAA may include discounts for military installation, family discount, multi-policy, defensive driver, new vehicle, loyalty savings, and vehicle storage.
- Progressive offers discounts including online quote discount, homeowner, online signing, multi-policy, continuous coverage, and good student.
- American Family offers premium reductions for Steer into Savings, defensive driver, air bags, early bird, and multi-vehicle.
- Esurance policyholders can earn discounts including good driver, online shopper, emergency road assistance, online quote, and multi-car.
- Farmers Insurance offers discounts for mature driver, homeowner, electronic funds transfer, bundle discounts, and pay in full.
- State Farm may offer discounts for Drive Safe & Save, safe vehicle, good driver, student away at school, and driver’s education.
When getting a coverage quote, ask all companies you are considering how many discounts you can get. Depending on the company, some discounts may not apply to policies in San Francisco. If you would like to view auto insurance companies with the best Nissan cube insurance discounts in San Francisco, follow this link.
Shop online but buy locally
Many drivers still prefer to talk to an insurance agent and doing that can be a smart decision Licensed agents can help you build your policy and help you file claims. An additional benefit of getting free rate quotes online is that you can find cheaper prices and still have a local agent.
For easy comparison, once you complete this quick form, your information is emailed to companies in San Francisco that give free quotes for your insurance coverage. You never need to find an agent due to the fact that quote results will go directly to you. If you have a need to quote rates from a particular provider, you just need to go to their quote page to submit a rate quote request.
Choosing the best company shouldn’t rely on just the bottom line cost. Here are some questions to ask:
- How long has their agency been open in San Francisco?
- Will one accident increase rates?
- Does the agent have professional designations like CIC, CPCU or AIC?
- Do they specialize in personal lines auto insurance in San Francisco?
- Do they get extra compensation for selling add-on coverages?
- Will you work with the agent or an assistant?
Two different types of car insurance agents
If you want to buy car insurance from a local agent, it helps to know the two types of insurance agents and how they differ in how they quote coverages. Agents in San Francisco are classified as either independent or exclusive. Both types of agents can properly insure your vehicles, but it is a good idea to know the difference between them because it may have an impact on your agent selection.
Exclusive Car Insurance Agencies
Agents that elect to be exclusive normally can only provide a single company’s rates and some examples include Allstate and State Farm. Exclusive agencies are unable to provide other company’s prices so they have no alternatives for high prices. These agents are trained well on what they offer which can be an advantage. Consumers frequently purchase coverage from exclusives primarily because of loyalty to the company rather than having low rates.
The following is a short list of exclusive insurance agencies in San Francisco that can give you comparison quotes.
- Yan Lukito – State Farm Insurance Agent
5214 Diamond Heights Blvd i – San Francisco, CA 94131 – (415) 282-5558 – View Map - State Farm: Traci Hollander
556 Castro St – San Francisco, CA 94114 – (415) 575-3775 – View Map - Fillia Fransisca – State Farm Insurance Agent
2315 Noriega St – San Francisco, CA 94122 – (415) 661-3726 – View Map
Independent Insurance Agents
Agents that elect to be independent do not work for one specific company so they can quote policies amongst many companies and find you the best rates. If premiums increase, an independent agent can move your coverage which is easy for the insured. When comparing car insurance rates, you should always compare prices from several independent agencies so that you can do a thorough price comparison. Most can insure with mutual insurance companies that can offer cheaper rates than bigger companies.
Listed below is a short list of independent agencies in San Francisco that are able to give rate quotes.
- Wang Insurance
2620 Judah St – San Francisco, CA 94122 – (415) 731-7062 – View Map - Riskguard Insurance Solutions
422 Presidio Ave – San Francisco, CA 94115 – (415) 447-4212 – View Map - Blum-Blackfield Insurance Agency
2 Twin Peaks Blvd – San Francisco, CA 94114 – (415) 665-1440 – View Map
After receiving satisfactory answers to these questions and locked in a price quote, most likely you have located an insurance agency that is reliable enough to properly insure your vehicles.
There’s no such thing as the perfect car insurance policy
When selecting the right insurance coverage for your personal vehicles, there really is not a perfect coverage plan. Everyone’s needs are different and your car insurance should unique, too.
Here are some questions about coverages that may help you determine if your situation could use an agent’s help.
- Am I covered when driving someone else’s vehicle?
- What can I do if my company won’t pay a claim?
- Is water damage covered by my policy?
- What is UM/UIM insurance?
- How much cheaper are high deductibles?
- Am I covered when renting a car or should I buy coverage from the car rental agency?
If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier It’s fast, free and may give you better protection.
Smart shoppers get results
As you go through the steps to switch your coverage, never reduce coverage to reduce premium. There have been many cases where an accident victim reduced full coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. The proper strategy is to buy the best coverage you can find for the lowest price.
We covered a lot of techniques to get a better price on Nissan cube insurance in San Francisco. The most important thing to understand is the more you quote San Francisco auto insurance, the better your comparison will be. Consumers may even find the most savings is with a small local company. They may cover specific market segments cheaper than their larger competitors like State Farm or Progressive.
Steps to buying affordable Nissan cube insurance in San Francisco
If you want to save the most money, the best way to find discount car insurance rates is to compare prices annually from providers who provide auto insurance in San Francisco.
Step 1: Gain an understanding of how car insurance works and the measures you can control to prevent expensive coverage. Many risk factors that increase rates like at-fault accidents, speeding tickets, and an unacceptable credit history can be rectified by being financially responsible and driving safely.
Step 2: Request rate estimates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can provide rates from one company like Progressive or State Farm, while independent agents can provide price quotes from multiple sources.
Step 3: Compare the new rate quotes to your current policy to determine if you can save on cube insurance. If you find a better price and decide to switch, ensure coverage does not lapse between policies.
The most important part of shopping around is that you use the same level of coverage on every quote and and to get price estimates from all possible companies. This helps ensure a fair rate comparison and the best price selection.
To learn more, link through to the articles below:
- Driving in Bad Weather (Insurance Information Institute)
- How Much is Auto Insurance for First-time Drivers in San Francisco? (FAQ)
- Who Has Cheap San Francisco Auto Insurance for a 20 Year Old Male? (FAQ)
- Who Has the Cheapest San Francisco Car Insurance Quotes for a Toyota Camry? (FAQ)
- How Much is Auto Insurance for Handicapped Drivers in San Francisco? (FAQ)
- Who Has the Cheapest San Francisco Auto Insurance Quotes for a Toyota Highlander? (FAQ)
- Who Has Affordable Auto Insurance Rates for State Employees in San Francisco? (FAQ)
- Electronic Stability Control FAQ (iihs.org)
- How to Avoid Staged Accidents (State Farm)
- Side Impact Crash Tests (iihs.org)
- Credit and Insurance Scores (Insurance Information Institute)