2011 Nissan Juke Insurance Rates

Locating better insurance prices for a Nissan Juke can be an all-consuming task, but you can follow our car insurance buying tips to save time.

There is a right way and a wrong way to shop for car insurance so you’re going to learn the absolute fastest way to get price quotes for your Nissan and get the cheapest rates.

It’s a good habit to compare rates before your next renewal because prices are rarely the same from one policy term to another. Even if you got the best rate on Juke insurance last year the chances are good that you can find a lower premium rate today. Block out anything you think you know about car insurance because you’re about to learn the only way to properly buy coverages and cut your premium.

Get lower-cost insurance with discounts

Auto insurance companies do not advertise their entire list of discounts in a way that’s easy to find, so we break down both well-publicized and the more hidden credits available to bring down your rates.

  • Claim Free – Insureds with no claims or accidents can save substantially in comparison with policyholders that have many claims.
  • Discounts for Government Workers – Federal government employees could qualify for a slight premium decrease on Juke insurance depending on your insurance provider.
  • Discount for Home Ownership – Owning a house may trigger a policy discount on insurance because maintaining a house requires a higher level of personal finance.
  • Passive Restraints – Factory options such as air bags and/or automatic seat belt systems can qualify for discounts of 25 to 30%.
  • Smart Student Discounts – A discount for being a good student could provide a savings of up to 20% or more. Most companies allow this discount until age 25.
  • Payment Method – If paying your policy premium upfront instead of making monthly payments you can avoid monthly service charges.
  • Telematics Discount – Drivers who agree to allow their insurance company to look at driving habits by using a telematic data system like Drivewise from Allstate or In-Drive from State Farm could see a rate decrease if they are good drivers.
  • Active Military Service – Being deployed in the military may qualify for rate reductions.
  • Fewer Miles Equal More Savings – Maintaining low annual mileage can qualify you for discounted rates on garaged vehicles.
  • Life Insurance – Some insurance companies give a small discount if you purchase a life policy as well.

It’s important to understand that some credits don’t apply the the whole policy. Most cut individual premiums such as comprehensive or collision. So when the math indicates adding up those discounts means a free policy, nobody gets a free ride. But all discounts will lower your overall premium however.

Popular insurance companies and their offered discounts include:

  • State Farm may offer discounts for passive restraint, accident-free, anti-theft, driver’s education, and multiple policy.
  • GEICO discounts include defensive driver, driver training, military active duty, multi-vehicle, anti-theft, air bags, and anti-lock brakes.
  • Progressive offers premium reductions for online quote discount, online signing, homeowner, multi-policy, continuous coverage, and good student.
  • 21st Century offers discounts for air bags, student driver, good student, homeowners, defensive driver, 55 and older, and anti-lock brakes.
  • American Family policyholders can earn discounts including good student, multi-vehicle, Steer into Savings, TimeAway discount, and mySafetyValet.
  • The Hartford has savings for good student, anti-theft, bundle, driver training, vehicle fuel type, air bag, and defensive driver.
  • AAA includes discounts for AAA membership discount, multi-car, anti-theft, education and occupation, multi-policy, and good student.

If you are trying to find cheap car insurance quotes, ask every insurance company to give you their best rates. A few discounts may not be available in your area. To view insurers who offer insurance discounts, follow this link.

Auto insurance quotes comparison

Effectively comparing auto insurance prices can be challenging if you don’t know the easiest way. You can waste a few hours (or days) talking about coverages with insurance agencies in your area, or you can utilize the internet to get prices fast.

Many popular insurance companies belong to a marketplace where insurance shoppers complete one form, and each company then gives them pricing determined by their information. This saves time by eliminating form submissions to every company.

To enter your information into the quoting system, click here to start a free quote.

The single downside to comparing rates this way is you can’t choose the providers you want pricing from. So if you want to select specific insurance companies to compare prices, we have a listing of low cost auto insurance companies in your area. Click here for list of insurance companies.

The method you choose is up to you, but ensure you are comparing apples-to-apples coverage information for every quote you compare. If you enter different values for each quote it will be very difficult to determine which company has the best rates.

Educated choices result in lower insurance costs

Part of the insurance coverage buying process is learning some of the things that help calculate the price you pay for insurance coverage. When you understand what influences your rates, this enables you to make decisions that could result in big savings.

The following are a partial list of the pieces insurance coverage companies consider when setting your prices.

  • How many miles do you drive? – The higher the mileage driven every year the higher your rates will be. A lot of companies price each vehicle’s coverage based on how the vehicle is used. Cars used primarily for pleasure use can get a lower rate as compared to vehicles used primarily for driving to work. Having the wrong rating on your Juke is just wasting money. It’s a smart idea to ensure your insurance coverage coverage reflects the proper vehicle usage.
  • Women tend to take less risk – Over the last 50 years, statistics have shown that men are more aggressive behind the wheel. Now that doesn’t mean females are better drivers. Both sexes are in accidents in similar percentages, but the males get into accidents with more damage. Men also statistically have more aggressive citations such as DWI and reckless driving. Males from age 16 to 21 have the highest risk to insure so it costs more to insure them.
  • Liability protection risk factors in – The liability section of your policy will protect you in the event that you are determined to be liable for physical damage or personal injury to other. Liability provides you with a defense in court up to the limits shown on your policy. Liability is cheap compared to other policy coverages, so drivers should make sure they buy enough to cover all assets.
  • Increase comp and collision deductibles to save – Your deductibles define the amount you are willing to pay out-of-pocket in the event of a claim. Physical damage insurance, also called comprehensive and collision insurance, is used to repair damage to your car. A few examples of covered claims could be collision with another vehicle, hail damage, and having a roll-over accident. The more money you have to pay, the less money you will pay for insurance coverage on Juke insurance.
  • Only buy coverage you need – There are quite a few additional coverages you can purchase on your Juke policy. Things like vanishing deductibles, accidental death, and membership fees may be costing you every month. They may sound like good ideas when buying your policy, but your money might be better spent on other coverage so consider taking them off your policy.
  • Stay claim-free and reduce rates – If you are the type of insured that files lots of claims you can look forward to increased rates or even have your policy non-renewed. Insurance companies give most affordable rates to policyholders who do not rely on their insurance for small claims. Your insurance policy is intended for major claims that would cause financial hardship.
  • Urban areas may pay more – Residing in small towns and rural areas is a positive aspect when shopping for auto insurance. People who live in big cities have to deal with more auto accidents and much longer commute distances. Fewer drivers on the road translates into fewer accident claims in addition to fewer liability claims.

Tailor your car insurance coverage to you

When buying proper insurance coverage, there really is not a single plan that fits everyone. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that might point out whether you could use an agent’s help.

  • What are the best liability limits?
  • Does insurance cover damages from a DUI accident?
  • Why am I required to buy liability insurance?
  • Can I drive in Mexico and have coverage?
  • Do I need special endorsements for business use of my vehicle?
  • I have health insurance so do I need medical payments coverage?
  • Why do I need rental car insurance?

If you don’t know the answers to these questions, you may need to chat with an insurance agent. To find lower rates from a local agent, simply complete this short form. It’s fast, doesn’t cost anything and you can get the answers you need.

Auto insurance 101

Having a good grasp of your car insurance policy can help you determine the best coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Collision coverage

Collision coverage pays for damage to your Juke resulting from a collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as crashing into a building, colliding with another moving vehicle and colliding with a tree. This coverage can be expensive, so consider dropping it from older vehicles. It’s also possible to increase the deductible to save money on collision insurance.

UM/UIM Coverage

This coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your Nissan Juke.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Most of the time these coverages are set the same as your liablity limits.

Comprehensive or Other Than Collision

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as hail damage, hitting a bird, a tree branch falling on your vehicle, vandalism and damage from getting keyed. The most you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Medical costs insurance

Med pay and PIP coverage provide coverage for bills such as doctor visits, dental work, rehabilitation expenses and X-ray expenses. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Auto liability insurance

This will cover injuries or damage you cause to other people or property in an accident. It protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things like attorney fees, funeral expenses, medical expenses and loss of income. The amount of liability coverage you purchase is a personal decision, but you should buy as much as you can afford.

Don’t break the bank

Insureds change insurance companies for a variety of reasons including denial of a claim, extreme rates for teen drivers, poor customer service and an unsatisfactory settlement offer. Whatever your reason, switching car insurance companies can be easy and end up saving you some money.

When shopping online for car insurance, you should never buy poor coverage just to save money. There have been many situations where an accident victim reduced uninsured motorist or liability limits and learned later that they should have had better coverage. The aim is to buy enough coverage at the best cost, but do not sacrifice coverage to save money.

We just presented a lot of ways to shop for 2011 Nissan Juke insurance online. It’s most important to understand that the more providers you compare, the better your comparison will be. You may even find the most savings is with a company that doesn’t do a lot of advertising.

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