2014 Nissan Juke Insurance Rates

Buyers have a choice when searching for low-cost Nissan Juke insurance. They can either spend hours contacting agents to get rate comparisons or use the internet to make rate comparisons.

There is a right way and a wrong way to shop for auto insurance so we’re going to tell you the quickest way to get price quotes for a new or used Nissan and find the lowest price.

Smart consumers take time to shop coverage around periodically due to the fact that insurance prices are variable and change quite frequently. Despite the fact that you may have had the best price for Juke insurance at your last renewal there may be better deals available now. You’ll find a ton of advice on auto insurance on the web, but we’re going to give you some proven techniques to lower your auto insurance premiums.

Auto insurance policy discounts

Car insurance companies don’t always advertise every discount very clearly, so the following is a list of a few of the more common as well as the least known credits available to lower your premiums when you buy auto insurance online.

  • Club Memberships – Being in specific professional or occupational memberships or organizations can get you a small discount on your bill.
  • Student Driver Training – Have your child take driver’s ed class if offered at their school.
  • Government Employee Discount – Having worked for a branch of the government could provide a small rate reduction for Juke insurance depending on your company.
  • Multi-car Discount – Drivers who insure several vehicles with one company could earn a price break for each car.
  • New Car Discount – Putting insurance coverage on a new car can be considerably cheaper due to better safety requirements for newer vehicles.
  • Multi-line Discount – Not all companies offer life insurance, but some may give you a break if you buy some life insurance too.
  • Lower Rates for Military – Being on active duty in the military may qualify for rate reductions.
  • Senior Citizen Discount – Seniors can get better auto insurance rates for Juke insurance.
  • Driver Training Discounts – Taking a course in defensive driving could earn you a small percentage discount if your company offers it.

We need to note that some credits don’t apply to your bottom line cost. Some only apply to the cost of specific coverages such as medical payments or collision. Even though the math looks like all those discounts means the company will pay you, auto insurance companies aren’t that generous.

A few popular companies and a summarized list of policyholder discounts are:

  • State Farm offers discounts for accident-free, good driver, multiple autos, multiple policy, and Drive Safe & Save.
  • GEICO may offer discounts for federal employee, military active duty, multi-vehicle, driver training, five-year accident-free, and multi-policy.
  • Progressive includes discounts for multi-vehicle, multi-policy, continuous coverage, good student, and homeowner.
  • 21st Century policyholders can earn discounts including automatic seat belts, 55 and older, homeowners, defensive driver, driver training, and anti-lock brakes.
  • American Family offers discounts including early bird, TimeAway discount, bundled insurance, good student, multi-vehicle, and mySafetyValet.
  • The Hartford has savings for air bag, good student, anti-theft, defensive driver, vehicle fuel type, bundle, and driver training.
  • AAA may include discounts for education and occupation, multi-car, anti-theft, good driver, good student, multi-policy, and AAA membership discount.

Double check with every company which discounts can lower your rates. Some credits might not be offered in your state. To see companies offering auto insurance discounts, follow this link.

The cheapest auto insurance

There are several ways you can shop for auto insurance and some are less time-consuming than others. You can waste a few hours (or days) talking about coverages with insurance agencies in your area, or you could save time and use the web for quick rates.

Most of the best insurance companies enroll in a system where insurance shoppers only type in their quote data once, and at least one company then returns a price quote based on that data. This saves time by eliminating quote requests to every company.

To fill out one form to compare multiple rates now click here to start a free quote.

One minor caviat to getting quotes like this is you don’t know exactly which carriers to get quotes from. So if you prefer to choose from a list of companies for rate comparison, we have a listing of auto insurance companies in your area. Click here to view list.

You can choose any of those ways to find more affodable coverage, but try to use nearly identical coverage information for each comparison quote. If you enter different data you will not be able to determine which company has the best rates.

How insurers determine Nissan Juke insurance premiums

Many factors are part of the equation when you quote your car insurance policy. Some of the criteria are obvious like an MVR report, but other factors are not as apparent like where you live or your financial responsibility.

The list below includes just a few of the factors that factor into your rate level.

  • Higher comp and collision deductibles lower rates – Insurance for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your Nissan. Examples of covered claims are a broken windshield, damage caused by hail, and rolling your vehicle. Comp and collision deductibles state the amount of money you are willing to pay before a claim is paid by your company. The more damage repair cost you pay before a claim is paid (deductible), the less your auto insurance will be for Juke insurance.
  • Never let your auto insurance policy lapse – Not maintaining insurance is a misdemeanor and you will pay a penalty because you let your coverage have a gap. And not only will insurance be more expensive, being ticketed for driving with no insurance can result in fines and jail time.
  • Advanced alarm systems – Owning a car that has a built-in theft deterrent system can earn a premium discount. Anti-theft features like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all aid in stopping car theft.
  • Get married and pay lower rates – Your spouse may earn you lower rates on your policy. Having a spouse means you’re more mature than a single person and it’s statistically proven that married drivers tend to have fewer serious accidents.
  • Liability coverage limits on your policy – Liability coverage will protect you if you are determined to be liable for an accident. This coverage provides for a legal defense to defend your case. Liability insurance is quite affordable compared to insuring for physical damage coverage, so buy as much as you can afford.
  • Where you reside factors in – Being located in areas with lower population can be a good thing when it comes to auto insurance. City drivers regularly have more auto accidents and much longer commute distances. Fewer drivers and short commutes translates into fewer accidents in addition to fewer liability claims.
  • Vocation stress can make you pay more – Jobs like military personnel, executives and financial analysts generally have higher rates than average attributed to intense work-related stress and incredibly demanding work hours. Conversely, careers like actors, students and the unemployed have the lowest average rates for Juke insurance.

How do I know if I need professional advice?

When buying the best auto insurance coverage for your vehicles, there really is no perfect coverage plan. Everyone’s situation is unique.

These are some specific questions can help discover whether your personal situation would benefit from an agent’s advice.

  • Is my 2014 Nissan Juke covered for smoke damage?
  • What is roadside assistance coverage?
  • Should I buy only the required minimum liability coverage?
  • Do I need motorclub coverage?
  • Who is covered by my policy?
  • Can I afford low physical damage deductibles?
  • Is my custom paint covered by insurance?
  • When should I not file a claim?
  • Do I have any recourse if my insurance company denies a claim?

If it’s difficult to answer those questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, free and can help protect your family.

Beware of misleading insurance ads

Drivers can’t get away from all the ads that claim the lowest car insurance rates by companies like Progressive, GEICO, Allstate and State Farm. They all say the same thing that you’ll save big if you just switch your coverage to them.

How is it possible that every company can charge less that you’re paying now?

All companies have specific characteristics for the type of customer that will most likely be profitable. For instance, a desirable risk could possibly be over age 30, has other policies, and drives a safe vehicle. A customer that fits those parameters will most likely get cheap car insurance rates and will save when they switch companies.

Consumers who do not match the ideal profile will be quoted a higher premium and ends up with the customer buying from a different company. If you pay close attention to the ads, they say “customers that switch” but not “everyone who gets a quote” save that much when switching. This is how insurance companies can make claims like that.

Because each company has a different risk profile, you really should compare price quotes frequently. It’s just too difficult to predict which insurance companies will have the best prices for your profile.

Educate yourself about insurance coverages

Having a good grasp of a insurance policy aids in choosing appropriate coverage for your vehicles. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Collision insurance

This coverage pays to fix your vehicle from damage resulting from a collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like hitting a mailbox, colliding with another moving vehicle, backing into a parked car and sideswiping another vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to raise the deductible to bring the cost down.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your Nissan Juke.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Auto liability

This coverage protects you from damage or injury you incur to other people or property. It protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 25/50/25 which stand for $25,000 bodily injury coverage, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers things like medical services, bail bonds, legal defense fees, emergency aid and pain and suffering. How much coverage you buy is your choice, but you should buy as high a limit as you can afford.

Comprehensive coverages

This coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things like damage from getting keyed, a tree branch falling on your vehicle and a broken windshield. The maximum payout your insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for things like ambulance fees, X-ray expenses and rehabilitation expenses. The coverages can be used to fill the gap from your health insurance program or if you are not covered by health insurance. Coverage applies to you and your occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Spend less. Save more.

Some car insurance companies do not provide online rate quotes small, regional companies only sell through independent insurance agencies. Affordable 2014 Nissan Juke insurance can be bought both online as well as from insurance agents, and you need to comparison shop both to have the best chance of lowering rates.

Insureds switch companies for any number of reasons including questionable increases in premium, delays in paying claims, policy non-renewal and extreme rates for teen drivers. It doesn’t matter why you want to switch switching companies is pretty easy and you might even save some money in the process.

In this article, we covered many ways to save on 2014 Nissan Juke insurance. The most important thing to understand is the more rate comparisons you have, the better chance you’ll have of finding the cheapest auto insurance. You may even discover the biggest savings come from some of the lesser-known companies.

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