View 2016 Nissan Juke Car Insurance Cost

No sane person enjoys paying for auto insurance, especially when they know they could get a better deal. You have so many car insurance companies to buy insurance from, and although it’s nice to have a choice, more choices can make it harder to adequately compare rates.

Finding the best rates is quite easy. If you currently have a car insurance policy, you will be able to reduce your rates substantially using these methods. Drivers just need to learn how to buy auto insurance online.

Quote car insurance online

Lowering your 2016 Nissan Juke car insurance rates is a great way to save money. Drivers just need to spend a few minutes comparing price quotes to see which company has inexpensive insurance coverage quotes. It is quite easy and can be accomplished using one of these methods.

The recommended way to get the best comparison quotes is to use a rate comparison form (click to open form in new window). This easy form prevents you from having to do separate forms for every car insurance company. One simple form gets prices estimates from several companies.

A more time consuming way to find more affordable insurance is going to the website of each company and fill out a new quote form. For sake of this example, we’ll pretend you want to see prices from Liberty Mutual, Allstate and American Family. You would have to spend time on each company’s site and repeatedly type in your coverage information, which can be really labor intensive.

For a list of companies in your area, click here.

Which method you use is up to you, but do your best to use equivalent coverage data on every quote you get. If you have differing limits you can’t possibly decipher which rate is best.

Are you receiving every discount?

Some insurance providers don’t list the complete list of policy discounts in an easy-to-find place, so the list below contains some of the more common and also the lesser-known credits available to bring down your rates. If you do not double check each discount you deserve, you could be getting lower rates.

  • Senior Citizen Discount – If you qualify as a senior citizen, you can get better insurance coverage rates for Juke coverage.
  • Homeowners Savings – Being a homeowner can help you save on insurance coverage since home ownership requires a higher level of personal finance.
  • Telematics Devices – Drivers who agree to allow companies to monitor vehicle usage through the use of a telematics system like Drivewise from Allstate or In-Drive from State Farm could see a rate decrease if they have good driving habits.
  • Memberships – Being in a civic or occupational organization could qualify you for a break on your policy.
  • More Vehicles More Savings – Insuring more than one vehicle on a single policy qualifies for this discount.

Don’t be shocked that most credits do not apply the the whole policy. Most only apply to individual premiums such as physical damage coverage or medical payments. So even though it sounds like having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business.

Popular insurance coverage companies and their possible discounts are shown below.

  • GEICO has savings for emergency military deployment, seat belt use, anti-theft, anti-lock brakes, and multi-policy.
  • Travelers may offer discounts for IntelliDrive, save driver, payment discounts, multi-policy, driver training, and hybrid/electric vehicle.
  • Farm Bureau offers discounts for multi-vehicle, multi-policy, safe driver, 55 and retired, youthful driver, good student, and driver training.
  • Liberty Mutual discounts include new graduate, preferred payment discount, teen driver discount, newly retired, new move discount, safety features, and multi-car.
  • American Family has discounts for Steer into Savings, good student, defensive driver, multi-vehicle, TimeAway discount, and mySafetyValet.
  • Progressive offers discounts including online signing, multi-policy, online quote discount, good student, and homeowner.

If you need low cost insurance coverage quotes, ask all the companies which discounts you may be entitled to. Some of the discounts discussed earlier may not be available in your area. To choose insurance coverage companies that offer many of these discounts, follow this link.

When in doubt talk to an agent

When it comes to buying the best insurance coverage coverage, there isn’t really a cookie cutter policy. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For instance, these questions can aid in determining whether or not you would benefit from professional advice.

  • Am I getting all the discounts available?
  • Do I need motorclub coverage?
  • Does coverage extend to a rental car in a foreign country?
  • Where can I get insurance after a DUI in my state?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • What happens if I owe more than my 2016 Nissan Juke is worth?
  • Does coverage extend to my business vehicle?

If you don’t know the answers to these questions, you might consider talking to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier It’s fast, free and can provide invaluable advice.

How your Juke insurance prices are determined

Many factors are part of the equation when pricing auto insurance. A few of the factors are predictable like an MVR report, but some are less apparent such as whether you are married or your vehicle rating.An important part of buying insurance is that you know some of the factors that help calculate auto insurance rates. When you know what positively or negatively influences your rates, this helps enable you to make changes that will entitle you to much lower annual insurance costs.

The factors shown below are some of the most common factors utilized by car insurance companies to help set your premiums.

  • Don’t buy add-on coverages that may not be needed – Insurance companies have many extra bells and whistles you can purchase on your auto insurance policy. Add-on coverages like roadside assistance, better glass coverage, and term life insurance could be just wasting money. You may think they are a good idea initially, but if you have no use for them consider taking them off your policy.
  • Infrequent drivers can save – The more you drive your Nissan each year the higher the price you pay to insure it. Most companies charge rates based upon how much you drive. Cars and trucks that do not get driven very much get more affordable rates than cars that get driven a lot. An incorrectly rated Juke may be costing you higher rates. Verify your auto insurance policy is rated on the correct driver usage.
  • Gender is a factor – The statistics show that females take fewer risks when driving. The data does not necessarily mean that males are worse at driving than females. Both sexes have auto accidents at about the same rate, but the men cause more damage and cost insurance companies more money. Not only are claims higher, but men get ticketed for serious violations like DWI (DUI) or reckless driving. Youthful male drivers are most likely to cause an accident and therefore have the most expensive auto insurance rates.
  • Reduce prices by driving safer vehicles – Vehicles with high crash test scores tend to have lower insurance rates. These vehicles help reduce the chance of injuries in an accident and lower rates of occupant injuries means less claims paid and cheaper rates on your policy. If your Nissan scored at minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.
  • Married drivers get cheaper rates – Having a wife or husband actually saves money on your auto insurance bill. Marriage means you’re more responsible and statistics show being married results in fewer claims.
  • Low comp and collision deductibles cost more – Physical damage insurance, termed comprehensive and collision coverage on your policy, is used to repair damage to your Nissan. A few examples of covered claims are a broken windshield, hail damage, and rolling your vehicle. Comprehensive and collision coverage deductibles are how much you are willing to pay before a claim is paid by your company. The more money the insured has to pay upfront, the lower your rates will be for Juke coverage.
  • Can a thief steal your car? – Owning a car with advanced anti-theft systems can help bring down rates. Theft deterrent systems such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping your vehicle from being stolen.
  • High premiums for teen drivers – More experienced drivers are shown to be more cautious, tend to file fewer claims and receive fewer citations.Youthful drivers have been known to be inattentive and easily distracted when driving and because of this, their auto insurance rates are much higher.

Parts of your insurance policy

Understanding the coverages of your insurance policy can help you determine which coverages you need and proper limits and deductibles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Listed below are typical coverage types found on most insurance policies.

Collision – This coverage covers damage to your Juke caused by 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 pays for things such as rolling your car, scraping a guard rail and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Liability coverage – Liability insurance protects you from injuries or damage you cause to other people or property that is your fault. This coverage protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 50/100/50 which means $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability coverage protects against claims like repair costs for stationary objects, medical expenses, legal defense fees, structural damage and loss of income. How much liability should you purchase? That is up to you, but you should buy as much as you can afford.

Uninsured or underinsured coverage – This protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Nissan Juke.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Medical expense coverage – Coverage for medical payments and/or PIP pay for short-term medical expenses like EMT expenses, rehabilitation expenses and surgery. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Comprehensive protection – This pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as hitting a deer, damage from a tornado or hurricane, a tree branch falling on your vehicle, falling objects and a broken windshield. The most your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Power to the consumer

When getting insurance coverage quotes online, make sure you don’t buy poor coverage just to save money. There have been many situations where an insured cut comprehensive coverage or liability limits only to discover later that a couple dollars of savings turned into a financial nightmare. Your aim should be to purchase a proper amount of coverage at the best cost, but don’t skip important coverages to save money.

Some companies do not offer online price quotes smaller companies prefer to sell through local independent agents. More affordable insurance coverage is available online in addition to local insurance agencies, so you should be comparing quotes from both so you have a total pricing picture.

Additional information is located below: