How Much Does 2015 Nissan Juke Car Insurance Cost?

Searching for lower-cost insurance can be problematic for consumers new to quoting and comparison shopping on the web. With such a large number of agents and insurers available, how can anyone possibly compare every company to locate the best available rates?

You should make it a habit to shop coverage around as often as possible since insurance rates change quite often. Just because you had the best rate for Juke insurance two years ago you can probably find a lower rate today. Block out anything you think you know about insurance because we’re going to demonstrate the best way to lower your rates without sacrificing coverage.

Insurance coverage quotes comparison

There are a lot of ways to compare insurance coverage prices but there is one way that is easier and takes less work. You can spend countless hours talking about coverages with agents in your area, or you could save time and use online quotes to achieve your goal.

Many insurance companies are enrolled in a marketplace that enables customers to enter their policy data once, and each participating company returns a rated price for coverage. This system prevents you from having to do form submissions to every company.

To compare rates now click here to open in new window.

The one downside to comparing rates this way is that you can’t choose which insurance companies to receive prices from. If you would rather choose from a list of companies to compare prices, we have a page of insurance coverage companies in your area. View list of insurance companies.

Compare rates however you want, just be certain you are entering equivalent coverages for each quote you get. If you are comparing different liability limits it will be impossible to make an equal comparison. Just a small difference in insurance coverages may result in a large different in cost. Just remember that comparing more rates from different companies provides better odds of finding a lower rate than you’re paying now.

Discount insurance coverage quotes

Some companies don’t always list all available discounts in a way that’s easy to find, so the list below contains a few of the more common and also the more inconspicuous ways to save on insurance coverage.

• Renewal Discounts – Some insurance companies provide a discount for signing up prior to your current policy expiration. This can save 10% or more.
• Include Life Insurance and Save – Larger insurance companies have a small discount if you purchase a life policy as well.
• Low Mileage – Low mileage vehicles may allow you to get slightly better rates than normal.
• Military Deployment Discount – Having an actively deployed family member can result in better insurance coverage rates.
• Defensive Driving Course – Successfully completing a course that instructs on driving safety could earn you a small percentage discount and also improve your driving technique.
• Discounts for Seat Belt Usage – Drivers who always wear seat belts and also require passengers to fasten their seat belts may be able to save a few bucks on medical payment and PIP coverage.

It’s important to understand that some credits don’t apply to all coverage premiums. Most only cut specific coverage prices like collision or personal injury protection. So despite the fact that it appears adding up those discounts means a free policy, company stockholders wouldn’t be very happy.

A list of insurance coverage companies and their possible discounts include:

• Geico discounts include military active duty, anti-theft, seat belt use, daytime running lights, and federal employee.
• SAFECO includes discounts for homeowner, bundle discounts, teen safe driver, anti-lock brakes, multi-car, anti-theft, and safe driver.
• State Farm policyholders can earn discounts including multiple policy, student away at school, Steer Clear safe driver discount, driver’s education, safe vehicle, multiple autos, and anti-theft.
• MetLife offers discounts including good student, accident-free, multi-policy, claim-free, defensive driver, and good driver.
• 21st Century has savings for 55 and older, anti-lock brakes, teen driver, student driver, driver training, and air bags.
• Progressive has discounts for continuous coverage, online signing, multi-vehicle, online quote discount, and multi-policy.

If you need cheap car insurance quotes, ask all the companies which credits you are entitled to. Discounts may not be offered in your area. To see a list of companies who offer online insurance coverage quotes, click this link.

Tailor your insurance coverage coverage to you

When it comes to choosing the right insurance coverage for your personal vehicles, there really is no one size fits all plan. Your needs are not the same as everyone else’s.

For example, these questions may help highlight if your insurance needs might need professional guidance.

• What is an SR-22 filing?
• Am I covered if I hit a deer?
• What is PIP insurance?
• Can my teen driver be rated on a liability-only vehicle?
• When does my teenage driver need to be added to my policy?
• What discounts do I qualify for?
• Do I need motorclub coverage?
• Does my policy pay for OEM or aftermarket parts?
• Do I need added coverage for expensive stereo equipment?
• What is the minimum liability in my state?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to an agent. If you want to speak to an agent in your area, complete this form.

Insurance specifics

Having a good grasp of your insurance policy can help you determine appropriate coverage and the correct deductibles and limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants as well as damage to your Nissan Juke.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Usually these coverages do not exceed the liability coverage limits.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance pay for bills for things like X-ray expenses, rehabilitation expenses, funeral costs and hospital visits. They are used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants as well as if you are hit as a while walking down the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision – Collision insurance covers damage to your Juke resulting from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as rolling your car, sideswiping another vehicle and hitting a mailbox. This coverage can be expensive, so you might think about dropping it from older vehicles. Another option is to choose a higher deductible to save money on collision insurance.

Comprehensive auto coverage – Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like damage from a tornado or hurricane, fire damage and rock chips in glass. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability coverages – This provides protection from damage or injury you incur to other people or property. It protects you against other people’s claims. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Alternatively, you may have a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers things like structural damage, emergency aid and court costs. How much coverage you buy is up to you, but you should buy as much as you can afford.