Compare 2015 Nissan Juke Insurance Rates

Searching for better insurance prices for a Nissan Juke can normally be an all-consuming task, but you can learn our insurance coverage buying tips to save time. There are both good and bad ways to compare insurance coverage rates so we’re going to tell you the quickest way to get price quotes for your Nissan and obtain the lowest price either online or from local insurance agents.

It’s smart to price shop coverage on a regular basis since insurance rates are variable and change quite frequently. Even if you got the best price on Juke insurance a few years ago you can probably find a lower rate today. Block out anything you think you know about insurance coverage because you’re about to learn the fastest and easiest way to reduce your cost while improving coverage.

How to Buy Car Insurance Online

Getting a lower price on 2015 Nissan Juke insurance can be relatively painless. Consumers just need to invest a few minutes to compare rate quotes online with multiple companies. It is quite easy and can be accomplished in a couple of different ways.

The easiest and least time consuming way to find the lowest comparison rates would be an industry-wide quote request form click to view form in new window. This easy form eliminates the need for separate forms for each company. One quote request gets you coverage quotes from several companies.It’s the quickest way to get rates.

A less efficient way to obtain and compare quotes online requires a trip to the website of each company to complete their respective quote request forms. For instance, we’ll pretend you want to compare Auto-Owners, Safeco and GMAC. To find out each rate you need to go to every website to enter your coverage information, which is why the first method is more popular.

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

The least efficient way to compare rates is to spend your day driving to and from local insurance agencies. The internet has reduced the need for local agents unless you require the professional advice that only a license agent can provide. You can, however, get prices online but buy from a local insurance agent. We’ll cover that shortly.

It’s up to you how you get prices quotes, just compare apples-to-apples coverages and limits with every price quote. If you enter mixed coverages then you won’t be able to make a fair comparison for your Nissan Juke.

Factors influencing Nissan Juke insurance rates

An important part of buying insurance is that you know the rating factors that go into determining the rates you pay for insurance. When you know what positively or negatively determines base rates allows you to make educated decisions that will entitle you to lower insurance prices.

  • Your age impacts your rates – Older insureds are viewed as being more responsible, statistically cause fewer accidents and are safer drivers. Teen drivers tend to be careless and easily distracted when behind the wheel therefore insurance rates are much higher.
  • Being married can save on insurance – Having a wife or husband helps lower the price on insurance. Having a significant other means you’re more responsible and it’s proven that drivers who are married are more cautious.
  • Choose a safe vehicle and save – Vehicles with high crash test scores tend to have better insurance rates. These vehicles protect occupants better and better occupant protection translates into fewer and smaller insurance claims and more competitive rates for policyholders. If your Nissan earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.
  • Do you need those extra coverages? – There are quite a few extra bells and whistles that you can buy if you aren’t careful. Coverages like roadside assistance, towing coverage and membership fees are examples of these. They may seem like a good idea when talking to your agent, but your needs may have changed so get rid of them and save.
  • Where you live – Living in a small town has it’s advantages when buying insurance. City drivers have congested traffic and longer commutes to work. Fewer drivers means a lower chance of having an accident and a lower car theft rate.
  • How’s your driving record? – Even a single moving violation may increase your cost twenty percent or more. Drivers with clean records get better rates than their less careful counterparts. Drivers who get dangerous violations like hit and run, DWI or reckless driving convictions may be required to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to prevent a license revocation.

Discounts are available to cut your rates

Car insurance companies do not advertise all available discounts in a way that’s easy to find, so we researched both well-publicized as well as the least known ways to save on insurance coverage. If you aren’t receiving every discount possible, you’re paying more than you need to.

  • Passive Restraints and Air Bags – Cars that have air bags or motorized seat belts may earn rate discounts of up to 25% or more.
  • Paperless Signup – A few companies give back up to $50 just for signing your application on their website.
  • Senior Discount – If you’re over the age of 55, you may receive better insurance coverage rates on Juke insurance.
  • Drive Less and Save – Driving fewer miles could qualify for lower rates on the low mileage vehicles.
  • No Charge for an Accident – A handful of insurance companies will forgive one accident without raising rates if you are claim-free for a certain period of time.
  • Theft Prevention System – Anti-theft and alarm systems help deter theft and qualify for as much as a 10% discount.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles can reduce accidents and therefore earn up to a 10% discount.

A little note about advertised discounts, many deductions do not apply to your bottom line cost. Most cut specific coverage prices like comprehensive or collision. Even though it may seem like all the discounts add up to a free policy, you’re out of luck.

Car insurance companies who might offer these benefits may include but are not limited to:

Before buying, ask each insurance company which discounts you may be entitled to. Some discounts might not be offered in your area.

Everyone needs different coverages

When it comes to choosing adequate coverage, there is no perfect coverage plan. Everyone’s needs are different.

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

  • Why am I be forced to buy a membership to get insurance from some companies?
  • How many claims can I have before being cancelled?
  • Is my custom paint covered by insurance?
  • Does coverage extend to my business vehicle?
  • Should I carry comprehensive and collision coverage?
  • Will filing a claim cost me more?
  • I have health insurance so do I need medical payments coverage?
  • When should my teen driver be added to my policy?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and may give you better protection.

Insurance coverages and their meanings

Knowing the specifics of a insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Collision insurance

This covers damage to your Juke caused by collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things like colliding with a tree, colliding with another moving vehicle, hitting a mailbox, damaging your car on a curb and rolling your car. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Another option is to bump up the deductible to save money on collision insurance.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses such as dental work, EMT expenses and funeral costs. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

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. This is the reason having UM/UIM coverage is a good idea.

Comprehensive coverages

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as damage from getting keyed, a broken windshield and rock chips in glass. The highest amount a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Coverage for liability

This coverage will cover injuries or damage you cause to people or other property. This coverage protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 50/100/50 which stand for a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability insurance covers claims such as attorney fees, legal defense fees, bail bonds and pain and suffering. How much liability should you purchase? That is your choice, but you should buy higher limits if possible.

Money doesn’t grow on trees

As you restructure your insurance plan, do not skimp on coverage in order to save money. There have been many situations where consumers will sacrifice full coverage only to regret at claim time that the few dollars in savings costed them thousands. Your aim should be to buy the best coverage you can find at the best price while still protecting your assets.

Insureds change insurance companies for a variety of reasons including an unsatisfactory settlement offer, policy cancellation, not issuing a premium refund or even lack of trust in their agent. It doesn’t matter what your reason, finding the right car insurance provider is actually quite simple.

In this article, we presented many ways to shop for 2015 Nissan Juke insurance online. It’s most important to understand that the more quotes you get, the more likely it is that you will get a better rate. Consumers may even find the best prices are with a smaller regional carrier.

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