Lower Your 2014 Nissan Juke Car Insurance Quotes

Want the cheapest car insurance rates for your Nissan Juke? Are you sick and tired of sacrificing other expenses to pay high car insurance rates every month? You’re in the same situation as many other consumers. Many car insurance companies vie to insure your vehicles, and because of this it can be hard to compare insurance companies to discover the definitive lowest price

It’s important to compare rates on a regular basis because car insurance prices trend upward over time. Despite the fact that you may have had the lowest rates for Juke insurance six months ago other companies may now be cheaper. Block out anything you think you know about car insurance because you’re about to learn one of the best ways to eliminate unnecessary coverages and save money.

How to compare car insurance quotes

Comparing car insurance rates can take time and effort if you don’t understand the most efficient way to do it. You can waste a lot of time driving to local insurance agents in your area, or you can stay home and use online quoting to get rate comparisons in just a few minutes.

Many insurance companies take part in a program that allows shoppers to send in one quote, and every company can provide price quotes determined by their information. This saves time by eliminating form submissions to each company.

To enter your information into the quoting system, click to open in new window.

The single downside to pricing coverage this way is you can’t choose which providers you will receive quotes from. If you would rather choose individual companies to compare prices, we have assembled a list of car insurance companies in your area. Click here to view list.

Whichever way you use, compare the same coverage limits for each quote you get. If each company quotes different deductibles it will be very difficult to determine which rate is truly the best.

Are you receiving every discount?

Car insurance companies don’t necessarily list every possible discount very clearly, so the next list breaks down a few of the more well known and also the more inconspicuous credits available to you.

  • Distant Student – Kids who live away from home to go to college and do not take a car to college can receive lower rates.
  • Lower Rates for Military – Being on active deployment in the military could mean lower premium rates.
  • Seat Belts Save more than Lives – Drivers who always wear seat belts and also require passengers to use their safety belts may be able to save a few bucks off the PIP or medical payment premium.
  • Student Discount for Driver Training – Reduce the cost of insurance for teen drivers by having them enroll in driver’s education if offered at their school.
  • Claim-Free Discount – Good drivers with no accidents can save substantially compared to drivers with a long claim history.
  • Save with a New Car – Buying a new car instead of a used car can save up to 30% since new model year vehicles are generally safer.
  • Passive Restraints and Air Bags – Factory air bags or motorized seat belts may qualify for discounts up to 30%.
  • Early Switch Discount – Some insurance companies give discounts for switching companies prior to your current policy expiration. It can save you around 10%.
  • Anti-lock Brake System – Cars and trucks with anti-lock braking systems prevent accidents and qualify for as much as a 10% discount.
  • Theft Deterent Discount – Anti-theft and alarm system equipped vehicles are less likely to be stolen and can earn a small discount on your policy.

You can save money using discounts, but most credits do not apply to the entire cost. Most only reduce the cost of specific coverages such as comprehensive or collision. Just because it seems like you can get free auto insurance, company stockholders wouldn’t be very happy.

Auto insurance companies that may offer policyholders most of these discounts include:

Before buying, ask all companies you are considering which credits you are entitled to. Savings may not be offered everywhere.

Informed drivers can lower insurance rates

Lots of factors are taken into consideration when you get a price on insurance. Some are obvious like your driving record, but other criteria are more obscure such as your marital status or your vehicle rating.

Shown below are some of the major factors that factor into prices.

  • Higher coverage deductibles are cheaper – Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your vehicle. Examples of some claims that would be covered are a broken side mirror, damage from fire, and having your car stolen. The deductibles you choose define how much you are required to spend out-of-pocket if a covered claim is submitted. The more damage repair cost you have to pay, the less money you will pay for insurance coverage for Juke insurance.
  • Why do you need liability insurance? – Your policy’s liability coverage is the protection if you are ruled to be at fault for an accident. This coverage provides legal defense up to the limits shown on your policy. It is affordable coverage when compared to the cost of physical damage coverage, so insureds should have plenty of protection for their assets.
  • Theft deterrents systems cut rates – Owning a car that has a built-in theft deterrent system can help bring down rates. Systems that thwart theives like OnStar, LoJack tracking, and tamper alarms all help stop auto theft and help lower rates.
  • Annual mileage and car insurance costs – Driving more miles in a year the higher your rate. A lot of companies rate vehicles based on their usage. Cars and trucks that are left in the garage receive better premium rates than cars that get driven a lot. Having an incorrect usage rating on your Juke can cost quite a bit. Make sure your vehicle rating is showing the correct usage.
  • Too many policy claims drive up rates – Companies award cheaper rates to insureds who do not file claims often. If you are a frequent claim filer, you can expect either a policy non-renewal or much higher rates. Insurance coverage is meant to be used in the event of claims that pose a financial burden.
  • Combine policies and save – Most larger insurance coverage companies provide better rates to insureds that purchase more than one policy such as combining an auto and homeowners policy. The amount of the discounts can be anywhere from five to ten percent in most cases. Even if you qualify for this discount already, you may still want to shop around to help ensure you have the lowest rates.

When in doubt talk to an agent

When it comes to buying adequate coverage for your vehicles, there really is not a “best” method to buy coverage. Every insured’s situation is different so your insurance should reflect that These are some specific questions might point out whether your personal situation might need an agent’s assistance.

  • Does having multiple vehicles earn me a discount?
  • Does insurance cover tools stolen from my truck?
  • Can my babysitter drive my car?
  • When should I remove comp and collision on my 2014 Nissan Juke?
  • What companies insure drivers after a DUI or DWI?
  • Do I have coverage when using my vehicle for my home business?
  • Do I need PIP (personal injury protection) coverage in my state?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of car insurance companies in your area. It only takes a few minutes and can help protect your family.

Is there truth in advertising?

Consumers can’t ignore all the ads that promise big savings for switching from the likes of Geico, State Farm and Progressive. They all seem to convey the message that drivers will save a bundle just by moving your coverage.

How is it plausible that every one can charge you less for car insurance? This is the way they can do it.

All companies have a certain “appetite” for a prospective insured that will generate a profit. A good example of this type of driver should be over the age of 35, has never had a policy lapse, and drives a lower-performance vehicle. A driver who matches those parameters will get the preferred car insurance rates and have a good chance to save when they switch companies.

People who do not meet the ideal profile will get higher prices which usually ends up with business not being written. If you listen closely, the ads state “customers who switch” but not “all drivers who get quotes” save money. That’s why insurance companies can confidently make claims that they all have the best premium rates.

This really emphasizes why you really need to quote coverage with many companies. It’s impossible to know with any certainty which company will fit your personal profile best.

Information about specific coverages

Knowing the specifics of your car insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Below you’ll find typical coverage types offered by car insurance companies.

Comprehensive car insurance – This coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as hitting a deer, vandalism and a tree branch falling on your vehicle. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for things like surgery, doctor visits and nursing services. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle 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 uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants as well as damage to your Nissan Juke.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally these limits are similar to your liability insurance amounts.

Liability coverage – This protects you from injuries or damage you cause to other people or property in an accident. It protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 100/300/100 that translate to $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have a combined limit which provides one coverage limit without having the split limit caps.

Liability insurance covers claims like emergency aid, medical expenses, funeral expenses and court costs. How much coverage you buy is up to you, but you should buy higher limits if possible.

Collision coverage – Collision insurance pays for damage to your Juke resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as hitting a mailbox, rolling your car and backing into a parked car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Knowledge is power

Some insurance companies do not provide the ability to get quotes online and many times these small insurance companies only sell through local independent agencies. Cheaper 2014 Nissan Juke insurance can be sourced on the web and from local agencies, so you should be comparing quotes from both so you have a total pricing picture.

Throughout this article, we presented quite a bit of information on how to compare 2014 Nissan Juke insurance premium rates online. The most important thing to understand is the more times you quote, the higher the chance of saving money. Drivers may discover the best premium rates are with an unexpected company. These companies may cover specific market segments cheaper than the large multi-state companies such as Progressive or Geico.

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