View 2012 Nissan Juke Car Insurance Quotes

Searching for lower car insurance rates for your Nissan Juke? Did you fall for a flashy sales pitch and buy an underperforming, overpriced car insurance policy? Trust us, there are many people just like you.

Companies like Progressive, Geico and Farmers Insurance constantly blast consumers with catchy ads and it is challenging if not impossible to separate fact from fiction and find the best price available.

If you are paying for car insurance now, you should be able to lower your premiums substantially using this strategy. Buying car insurance is not that difficult. But car owners do need to know how the larger insurance companies price insurance differently.

Find discounts on insurance coverage

Some insurers do not list every discount in a way that’s easy to find, so below is a list a few of the more common and also the more inconspicuous credits that you can use to lower your rates.

  • Braking Control Discount – Cars and trucks that have steering control and anti-lock brakes prevent accidents and earn discounts up to 10%.
  • Employee of Federal Government – Active or former government employment may reduce rates when you quote car insurance for Juke insurance with a few insurance coverage companies.
  • Multi-Vehicle Discounts – Having all your vehicles on the same insurance coverage policy may reduce the rate for each vehicle.
  • Own a Home – Owning a home may trigger a policy discount on insurance coverage because owning a home is proof of financial responsibility.
  • Drivers Education – Require your teen driver to complete a driver education course as it can save substantially.
  • Payment Discounts – If you pay your entire premium ahead of time instead of monthly or quarterly installments you can avoid the installment charge.

Drivers should understand that some credits don’t apply the the whole policy. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. Despite the fact that it seems like having all the discounts means you get insurance for free, companies don’t profit that way.

Auto insurance companies that may offer policyholders most of the discounts above may include but are not limited to:

Before you buy a policy, ask all companies you are considering how many discounts you can get. Depending on the company, some discounts may not apply in every state. To see insurance companies offering insurance coverage discounts, follow this link.

Buy auto insurance online

There are a lot of ways to compare auto insurance quotes, but some are less time-consuming than others. You can waste a lot of time talking about coverages with agents in your area, or you could use the internet to get the quickest rates.

Many companies belong to an insurance system that allows shoppers to enter their policy data once, and each company returns a competitive quote. This prevents consumers from doing quotation requests for every auto insurance company.

To find out what other companies charge click to open in new window.

The one downside to pricing coverage this way is you don’t know exactly the companies to get quotes from. If you prefer to choose specific insurance companies to compare prices, we have a page of auto insurance companies in your area. Click here for list of insurance companies.

Whichever method you choose, make darn sure you compare apples-to-apples coverages for each quote you get. If you compare unequal deductibles or liability limits it will be impossible to make a fair rate comparison. Just a small difference in insurance coverages may result in a large different in cost. Just remember that having more price comparisons will enable you to find the best rates. Not every company allows you to get prices over the internet, so it’s necessary to compare price estimates from them as well.

Tailor your insurance coverage coverage to you

When choosing proper insurance coverage, there is no cookie cutter policy. Every situation is different so your insurance should reflect that Here are some questions about coverages that may help you determine whether your personal situation will benefit from professional help.

  • Does my policy cover my teen driver if they drive my company car?
  • Am I covered when driving a rental car?
  • Do I pay less if my vehicle is kept in my garage?
  • Why does it cost so much to insure a teen driver?
  • Does having multiple vehicles earn me a discount?
  • Do I need motorclub coverage?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier

Auto insurance policy coverages for a 2012 Nissan Juke

Knowing the specifics of your policy can be of help when determining the best coverages for your vehicles. Policy terminology can be ambiguous and coverage can change by endorsement. These are the normal coverages found on the average auto insurance policy.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family as well as damage to your Nissan Juke.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses like X-ray expenses, EMT expenses, funeral costs, hospital visits and doctor visits. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers you and your occupants and will also cover getting struck while a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Liability coverages

This protects you from damage that occurs to other people or property in an accident. It protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability can pay for things like structural damage, legal defense fees and funeral expenses. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as large an amount as possible.

Comprehensive coverage (or Other than Collision)

This coverage pays for damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like vandalism, hitting a bird, a tree branch falling on your vehicle, hail damage and damage from flooding. The most a auto insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision coverage

Collision coverage pays for damage to your Juke from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as driving through your garage door, colliding with another moving vehicle and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. You can also raise the deductible to save money on collision insurance.

Quote more, save more

Throughout this article, we presented some good ideas how to lower your 2012 Nissan Juke insurance rates. It’s most important to understand that the more price quotes you have, the better likelihood of getting cheaper car insurance. Consumers could even find that the most savings is with some of the smallest insurance companies. Regional companies can often insure niche markets at a lower cost as compared to the big name companies such as Allstate or State Farm.

Cheaper 2012 Nissan Juke insurance can be sourced online and from local agencies, so you need to shop car insurance with both to get a complete price analysis. Some insurance companies may not have online price quotes and these regional insurance providers only sell coverage through independent agents.

More detailed car insurance information is available in the articles below: