Cheaper 2013 Nissan Juke Insurance Cost

Sick and tired of trying to scrape together enough money to insure your Nissan every month? Your situation is no different than millions of other consumers. Drivers have so many auto insurance companies to pick from, and although it’s nice to be able to choose, it makes it harder to find the lowest cost provider.

Finding the best rates is not that difficult. If you currently have car insurance, you should be able to reduce your rates substantially using this information. Consumers only need to know the most effective way to get comparison rates on the web.

Cheap Insurance Coverage Comparisons

Finding a better price on insurance coverage isn’t really that difficult. The only requirement is to spend a few minutes comparing rates online from several insurance companies. This can be accomplished in just a few minutes using one of these methods.

  1. One of the best ways to find the lowest comparison rates is an all-inclusive rate comparison click here to open form in new window. This type of form keeps you from doing separate quote forms for each company. One form gets you price quotes from multiple low-cost companies.
  2. A slightly less efficient method to compare rate quotes is going to the website for every company you want to comare and request a quote. For instance, let’s assume you want rates from Auto-Owners, State Farm and Geico. To find out each rate you need to spend time on each company’s site and enter your policy data, which is why the first method is more popular.

    To view a list of companies in your area, click here.

It’s up to you how you get prices quotes, just ensure you are comparing identical coverage information for each comparison quote. If you are comparing different limits and deductibles on each one you can’t possibly make a fair comparison for your Nissan Juke.

Discounts are basically free money

Car insurance companies don’t always publicize all their discounts in a way that’s easy to find, so we break down both the well known and also the lesser-known savings tricks you should be using. If you aren’t receiving every discount you qualify for, you’re paying more than you need to.

  • Discount for Life Insurance – Select insurance companies reward you with better rates if you take out auto and life insurance together.
  • Sign Early and Save – A few companies offer discounts for signing up before your current expiration date. It can save you around 10%.
  • Multiple Cars – Insuring all your vehicles on one policy may reduce the rate for each vehicle.
  • Student Driver Training – Have your child enroll in driver’s education in high school.
  • Paperwork-free – Certain companies may give you up to $50 for buying a policy and signing up online.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles can avoid accidents and therefore earn up to a 10% discount.

As a disclaimer on discounts, most discount credits are not given the the whole policy. Most cut the cost of specific coverages such as collision or personal injury protection. So when it seems like it’s possible to get free car insurance, it doesn’t quite work that way.

To see a list of insurance companies offering car insurance discounts, click here to view.

Which insurance is the “right” coverage?

When it comes to buying proper insurance coverage for your vehicles, there isn’t really a perfect coverage plan. Each situation is unique and your policy should reflect that. These are some specific questions can help discover whether your personal situation may require specific advice.

  • Does my 2013 Nissan Juke need full coverage?
  • Who is covered when they drive my 2013 Nissan Juke?
  • Is business equipment covered while in my vehicle?
  • Will my insurance pay for OEM parts?
  • What if I total my 2013 Nissan Juke and owe more than it’s worth?
  • Do I have any recourse if my insurance company denies a claim?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier It’s fast, free and may give you better protection.

Complexity of Nissan Juke insurance rates

Smart consumers have a good feel for the factors that help determine the price you pay for insurance. Knowing what determines base rates allows you to make educated decisions that will entitle you to big savings.

The following are a partial list of the pieces companies use to determine prices.

  • Liability insurance protects assets – Liability coverage provides coverage in the event that you are found to be at fault for damages from an accident. It provides legal defense coverage which can cost thousands of dollars. Liability is cheap when compared with rates for comp and collision, so do not skimp.
  • Do you need the policy add-ons? – There are a ton of add-on coverages that can waste your money if you aren’t careful. Coverages for rental car reimbursement, accident forgiveness and additional equipment coverage are some examples. These coverages may sound good initially, but now you might not need them so eliminate them to save money.
  • Younger drivers pay higher rates – Youthful drivers have a tendency to be less responsible behind the wheel so insurance rates are higher. If you’ve ever had to add a young driver onto your insurance can be very expensive. Older drivers tend to be more responsible, statistically cause fewer accidents and get fewer tickets.
  • Safer cars cost less to insure – Safer cars get lower rates. Safer cars reduce injuries and any reduction in injury severity means less money paid by your insurance company and thus lower rates. If the Nissan Juke is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.
  • One company can mean more discounts – Many insurance companies will award you with lower prices to customers who buy several policies from them, otherwise known as a multi-policy discount. Even with this discount, you still need to compare other company rates to verify if the discount is saving money.
  • Never allow your policy to lapse – Driving with no insurance is illegal and insurance companies will penalize you for letting your insurance lapse. And not only will your rates increase, getting caught without coverage can result in a license revocation or jail time.
  • Too many insurance claims drive up costs – If you file claims often, you can expect either a policy non-renewal or much higher rates. Companies provide cheaper rates to people who do not file claims often. Auto insurance is intended for the bigger claims that can’t be paid out-of-pocket.
  • Rates may be higher depending on your occupation – Occupations such as real estate brokers, executives and financial analysts tend to pay higher average rates due to stressful work requirements and long work hours. Conversely, occupations such as pilots, engineers and the unemployed have the lowest average rates for Juke insurance.

Insurance coverages explained

Having a good grasp of a insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. Insurance terms can be ambiguous and reading a policy is terribly boring. Below you’ll find typical coverage types found on most insurance policies.

Comprehensive protection

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as damage from flooding, vandalism, damage from a tornado or hurricane, theft and hitting a deer. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability car insurance

Liability insurance provides protection from damages or injuries you inflict on people or other property in an accident. It protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability insurance covers things such as court costs, structural damage and emergency aid. How much liability coverage do you need? That is a personal decision, but consider buying as high a limit as you can afford.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your Nissan Juke.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical expense coverage

Med pay and PIP coverage provide coverage for immediate expenses such as prosthetic devices, chiropractic care, funeral costs, doctor visits and surgery. They are used in conjunction with a health insurance program or if you do not have health coverage. It covers both the driver and occupants as well as if you are hit as a while walking down the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Coverage for collisions

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

Collision can pay for claims such as driving through your garage door, sideswiping another vehicle and crashing into a ditch. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Online plus local equals savings

Cheaper 2013 Nissan Juke insurance is attainable from both online companies in addition to many insurance agents, and you need to price shop both in order to have the best chance of saving money. Some car insurance companies do not provide online price quotes and many times these regional insurance providers only sell through independent insurance agents.

When you buy insurance online, it’s a bad idea to buy less coverage just to save a little money. There have been many cases where an insured dropped liability limits or collision coverage to discover at claim time they didn’t have enough coverage. The ultimate goal is to buy enough coverage at the best price, not the least amount of coverage.

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