Cheap 2014 Nissan Juke Insurance Rates

Want lower car insurance rates for your Nissan Juke? Perplexed by the sheer number of car insurance company choices? Lot’s of other consumers are too. There are so many choices that it can quickly become a big hassle to find the best price.

Discounts can save BIG

Car insurance can cost a lot, but companies offer discounts that can drop the cost substantially. Larger premium reductions will be automatically applied when you get a quote, but lesser-known reductions have to be specially asked for before you get the savings.

  • Student Driver Training – Have your child take driver’s ed class in high school.
  • Auto/Home Discount – When you combine your home and auto insurance with one company you will save at least 10% off all policies.
  • Senior Citizens – If you qualify as a senior citizen, you may be able to get a small decrease in premiums for Juke insurance.
  • Safe Driver Discount – Insureds without accidents may receive a discount up to 45% less for Juke insurance than their less cautious counterparts.
  • Organization Discounts – Belonging to a professional or civic organization may earn a discount on your policy for Juke insurance.
  • Driver Safety – Taking a driver safety course can save you 5% or more if you qualify.
  • Good Students Pay Less – Performing well in school can save 20 to 25%. This discount can apply well after school through age 25.
  • Seat Belts Save – Drivers who require all occupants to use a seat belt can save up to 15% on the medical payments or PIP coverage costs.
  • Early Switch Discount – A few companies offer discounts for signing up prior to your current policy expiration. It’s a savings of about 10%.
  • Discount for Life Insurance – Larger companies have better rates if you take out life insurance from them.

Keep in mind that some of the credits will not apply to your bottom line cost. Most cut the cost of specific coverages such as collision or personal injury protection. So when the math indicates you would end up receiving a 100% discount, companies wouldn’t make money that way. But all discounts will reduce the amount you have to pay.

For a list of companies with discount insurance rates, follow this link.

Comprehensive Auto Insurance Comparison

To find the best auto insurance prices, there are several ways to compare rate quotes from auto insurance companies in your area. The simplest method to find competitive 2014 Nissan Juke insurance rates consists of shopping online. This can be done in a couple of different ways.

One of the best ways to find low rates is a comparison rater form (click to open form in new window). This method saves time by eliminating separate quotes for every auto insurance company. One quote request will get you rate comparisons instantly. This is perfect if you don’t have a lot of time.

A more difficult way to obtain and compare quotes online requires a visit to the website for each individual company and request a quote. For sake of this example, we’ll pretend you want comparison quotes from Liberty Mutual, Allstate and Travelers. You would have to take the time to go to each site to enter your coverage information, and that’s why the first method is more popular. For a list of links to companies insuring cars in your area, click here.

It doesn’t matter which method you choose, just make darn sure you compare the exact same information with every price quote. If each company quotes different limits and deductibles on each one it’s impossible to make a fair comparison for your Nissan Juke. Slightly different limits can make a big difference in price. Just keep in mind that getting more free quotes will enable you to find the best rates.

Nissan Juke rates are in the details

It’s important that you understand the factors that go into determining your car insurance rates. Understanding what influences your rates empowers consumers to make smart changes that may reward you with big savings.

  • Don’t let your coverage lapse – Having an insurance coverage lapse will be a fast way to trigger a rate increase. And not only will your rates increase, but not being able to provide proof of insurance will get you a license revocation or jail time.You may then be required to submit proof of financial responsibility or a SR-22 with your state motor vehicle department.
  • High numbers of claims are not good – Auto insurance companies award lower rates to drivers who do not rely on their insurance for small claims. If you file claims often, you can expect higher rates. Auto insurance is designed for larger claims.
  • Your car insurance rates can be influenced by your job – Occupations like doctors, architects and stock brokers tend to have the highest rates because of job stress and long work days. On the other hand, occupations like actors, students and retirees receive lower rates for Juke insurance.
  • Safer cars cost less to insure – Safer cars can get you lower premiums. Safer cars reduce injuries and fewer injuries means lower claim amounts and more competitive rates for policyholders. If the Nissan Juke scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.
  • Bundling policies can get discounts – The majority of companies will give a discount to customers who consolidate policies with them such as combining an auto and homeowners policy. Discounts can be anywhere from five to ten percent in most cases. Even with this discount, you may still want to comparison shop to make sure you are getting the best deal. Consumers may find better rates by splitting coverages up.
  • Traffic violations increase rates – Drivers who don’t get tickets tend to pay less for car insurance than their less careful counterparts. Only having one ticket can bump up the cost twenty percent or more. Drivers who have dangerous citations like DUI or reckless driving may need to file a SR-22 to the state department of motor vehicles in order to prevent a license revocation.
  • Men pay higher rates – Statistics show women are more cautious behind the wheel. However, this does not mean women are BETTER drivers than men. Both sexes cause accidents in similar percentages, but the males have costlier accidents. They also have more aggressive citations like DUI and reckless driving. Youthful male drivers tend to get in the most accidents and are penalized with high car insurance rates.
  • Protect your assets with liability insurance – Liability coverage will protect you when a jury decides you are liable for causing damage or personal injury in an accident. It provides legal defense up to the limits shown on your policy. Liability insurance is quite affordable when compared with rates for comp and collision, so buy as much as you can afford.

Will just any policy work for me?

When buying the right insurance coverage, there isn’t really a best way to insure your cars. Your needs are not the same as everyone else’s.

For instance, these questions might help in determining whether you might need an agent’s assistance.

  • Is business property covered if stolen from my car?
  • How much can I save by bundling my policies?
  • How much underlying liability do I need for an umbrella policy?
  • How can I get high-risk coverage after a DUI?
  • Is my cargo covered for damage or theft?
  • Am I covered when delivering products for my home-based business?

If you’re not sure about those questions, then you may want to think about talking to a licensed agent. To find an agent in your area, simply complete this short form.

Specific coverages for a 2014 Nissan Juke

Knowing the specifics of a insurance policy can be of help when determining the right coverages and the correct deductibles and limits. Policy terminology can be ambiguous and nobody wants to actually read their policy.

Medical costs insurance

Coverage for medical payments and/or PIP provide coverage for immediate expenses like X-ray expenses, pain medications, doctor visits, prosthetic devices and nursing services. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Collision protection

This pays for damage to your Juke caused by collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like sustaining damage from a pot hole, colliding with another moving vehicle and driving through your garage door. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Another option is to choose a higher deductible to save money on collision insurance.

Comprehensive or Other Than Collision

This pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like fire damage, a broken windshield, damage from getting keyed and rock chips in glass. The most you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Auto liability

Liability insurance provides protection from damage that occurs to other people or property. It protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Some companies may use a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for things like attorney fees, court costs, legal defense fees, medical expenses and pain and suffering. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

UM/UIM Coverage

This coverage gives you protection from other drivers when they either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your Nissan Juke.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally these coverages do not exceed the liability coverage limits.

Don’t break the bank

When buying insurance coverage, it’s not a good idea to buy lower coverage limits just to save a few bucks. Too many times, consumers will sacrifice physical damage coverage only to regret at claim time that the few dollars in savings costed them thousands. Your goal should be to buy enough coverage at a price you can afford while not skimping on critical coverages.

Discount 2014 Nissan Juke insurance can be bought from both online companies in addition to many insurance agents, so you should compare both in order to have the best price selection to choose from. Some insurance companies do not provide the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.

In this article, we covered quite a bit of information on how to save on insurance. The key concept to understand is the more providers you compare, the better likelihood of reducing your rate. You may even discover the biggest savings come from the least-expected company.

Much more information about auto insurance can be found on the following sites: