Compare 2013 Nissan Juke Car Insurance Cost

Searching for cheaper auto insurance rates for your Nissan Juke? If you are a novice to online auto insurance shopping, you can be overwhelmed by the hoards of online companies offering insurance.

If you are paying for car insurance now, you will be able to lower your premiums substantially using these techniques. Locating affordable insurance is simple if you know the tricks. Although consumers must comprehend how companies compete online.

Free Quotes for Auto Insurance

Most companies provide pricing directly from their websites. The process is pretty easy as you simply type in the coverages you want as requested by the quote form. Upon sending the form, their rating system requests your driving record and credit report and returns pricing information.

Online quotes helps simplify price comparisons, but the process of having to visit a lot of sites and type in the same information can be a bit repetitive. But it’s very important to have as many quotes as possible if you are searching for the lowest auto insurance rates.

The better way to compare rates

An easier way to compare rates requires only one form to return rates from several companies at one time. It’s a real time-saver, helps eliminate reptitive entry, and makes rate comparisons much easier. After sending your information, it gets priced and you can select any or none of the pricing results.

If the quotes result in lower rates, you simply finish the application and buy the policy. It just takes a couple of minutes and can result in significant savings.

If you want to find out how much you’re overpaying now, click here and submit your coverage information. If you have a policy now, it’s recommended you input the limits and deductibles exactly as shown on your declarations page. Doing this guarantees you will be getting rate quotes for similar insurance coverage.

Is there truth in advertising?

Geico, State Farm and Progressive consistently run ads on television and other media. All the companies say the same thing that you’ll save big if you change your policy. How do they all make the same claim? It’s all in the numbers.

Insurance companies have a preferred profile for the right customer that is profitable for them. For instance, a driver they prefer might be between 25 and 40, has no tickets, and drives less than 7,500 miles a year. A propective insured who matches those parameters gets the lowest rates and most likely will save a lot of money.

Potential insureds who don’t measure up to this ideal profile will be charged higher premiums and ends up with the driver buying from a lower-cost company. The ad wording is “customers who switch” not “people who quote” save money. That’s why insurance companies can make those claims.

That is why it’s extremely important to get a wide range of price quotes. Because you never know which company will have the lowest Nissan Juke insurance rates.

Nissan Juke rates are complex

Consumers need to have an understanding of the different types of things that come into play when calculating the price you pay for car insurance. When you know what positively or negatively influences your rates allows you to make educated decisions that can help you get better car insurance rates.

  • Adjust deductibles and save – Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, protects your Nissan from damage. Examples of covered claims are collision with another vehicle, damage from fire, and rolling your vehicle. Your deductibles are the amount of money you are willing to pay before your car insurance pays a claim. The more expense you’re willing to pay, the less your company will charge you for insurance on Juke coverage.
  • Marriage pays dividends – Having a spouse helps lower the price when buying car insurance. It is viewed as being more responsible and it’s statistically proven that married drivers get in fewer accidents.
  • Where you live can impact rates – Residing in a small town is a positive aspect when buying car insurance. Drivers who live in large cities have to deal with more traffic problems and a longer drive to work. Fewer people translates into fewer accidents and a lower car theft rate.
  • Do you work long hours in a high stress job? – Occupations like judges, executives and stock brokers tend to have the highest rates due to stressful work requirements and lengthy work days. On the other hand, jobs such as scientists, students and retirees receive lower rates on Juke coverage.
  • Liability coverage protects you – Liability coverage will protect you if ever you are found to be at fault for causing damage or personal injury in an accident. It will provide legal defense starting from day one. This coverage is very inexpensive when compared with rates for comp and collision, so do not cut corners here.
  • Never allow your policy to lapse – Allowing your car insurance policy to lapse will be a fast way to trigger a rate increase. And not only will insurance be more expensive, failure to provide proof of insurance will get you a license revocation or jail time.
  • Lower rates come with age – Mature drivers tend to be more responsible, file fewer claims and tend to be better behind the wheel. Teenage drivers are known to be careless and easily distracted in a vehicle therefore car insurance rates are much higher.

Pay less for Nissan Juke insurance

Car insurance is not cheap, but discounts can save money and there are some available that you may not even be aware of. A few discounts will automatically apply at quote time, but some may not be applied and must be requested specifically before you get the savings.

  • Multiple Cars – Insuring all your vehicles on the same car insurance policy qualifies for this discount.
  • Passive Restraints – Vehicles equipped with air bags or motorized seat belts can qualify for discounts of 20% or more.
  • Distant Student – Any of your kids who attend school more than 100 miles from home and do not have a car can be insured at a reduced rate.
  • Safety Course Discount – Completing a defensive driving course could cut 5% off your bill depending on where you live.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems are safer to drive and therefore earn up to a 10% discount.
  • Bundle and Save – If you have multiple policies with one insurance company you will save approximately 10% to 15%.
  • Seat Belt Usage – Requiring all passengers to use their safety belts can save up to 15% off the personal injury premium cost.
  • New Car Discount – Adding a new car to your policy can cost up to 25% less because new vehicles have to meet stringent safety requirements.

As a disclaimer on discounts, many deductions do not apply to the entire cost. Most only cut specific coverage prices like liability, collision or medical payments. Even though it may seem like you can get free auto insurance, it just doesn’t work that way. Any amount of discount will reduce your premiums.

Insurance companies that may have some of the above discounts include:

Double check with each insurance company what discounts are available to you. Some discounts may not be available in your state.

Tailor your coverage to you

When it comes to choosing coverage for your vehicles, there isn’t really a “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

These are some specific questions may help you determine whether you would benefit from professional advice.

  • Does insurance cover damages from a DUI accident?
  • Does liability extend to a camper or trailer?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Exactly who is provided coverage by my policy?
  • Is my 2013 Nissan Juke covered for smoke damage?
  • What is the rate difference between pleasure use and commuting?

If you don’t know the answers to these questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, simply complete this short form.

Auto insurance coverage information

Having a good grasp of a auto insurance policy can help you determine appropriate coverage for your vehicles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Nissan Juke.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time the UM/UIM limits are set the same as your liablity limits.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance kick in for expenses like doctor visits, pain medications, dental work and funeral costs. The coverages can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. They cover you and your occupants and will also cover any family member struck as a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Comprehensive insurance – Comprehensive insurance coverage covers damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like hitting a bird, rock chips in glass, damage from flooding and a broken windshield. The most a auto insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision coverages – Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things like crashing into a ditch, colliding with another moving vehicle, scraping a guard rail and hitting a parking meter. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Another option is to bump up the deductible to save money on collision insurance.

Liability coverage – This coverage can cover damage that occurs to other people or property in an accident. This insurance protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Another option is a combined limit which provides one coverage limit without having the split limit caps.

Liability insurance covers things like repair costs for stationary objects, medical services, medical expenses and pain and suffering. How much coverage you buy is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Saving money makes a lot of cents

When you buy insurance online, make sure you don’t buy lower coverage limits just to save a few bucks. Too many times, an insured dropped comprehensive coverage or liability limits only to regret they didn’t have enough coverage. Your aim should be to get the best coverage possible at the best price, not the least amount of coverage.

Throughout this article, we presented a lot of tips how to compare 2013 Nissan Juke insurance prices online. The most important thing to understand is the more quotes you get, the better likelihood of reducing your rate. You may be surprised to find that the most savings is with a small mutual company.

Discount insurance is available on the web and also from your neighborhood agents, so you should be comparing quotes from both so you have a total pricing picture. There are still a few companies who may not provide you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

More detailed auto insurance information is available in these articles: