Cheap 2012 Nissan Juke Car Insurance Rates

Trying to find the cheapest insurance coverage rates? Buyers have a choice when searching for the best price on Nissan Juke insurance. They can either waste time struggling with agents trying to get quotes or use the internet to make rate comparisons. There are more efficient ways to buy insurance coverage so we’re going to tell you the best way to price shop coverage for a new or used Nissan and find the best price possible from both online companies and local agents.

Consumers need to get comparison quotes occasionally because rates are variable and change quite frequently. Despite the fact that you may have had the lowest premium rates on Juke insurance a couple years back you can probably find a lower rate today. Ignore everything you know about insurance coverage because you’re about to learn the quickest way to find better coverage at a better price.

Are you receiving every discount?

Some insurance providers don’t always publicize every discount they offer in an easy-to-find place, so we break down a few of the more common in addition to some of the lesser obvious credits that may apply to you.

• Multi-policy Discount – If you can combine your auto and homeowners policy with the same company you will save as much as 10 to 15 percent.
• Use Seat Belts – Using a seat belt and requiring all passengers to buckle up can save up to 15% off the PIP or medical payment premium.
• Passive Restraint Discount – Vehicles equipped with air bags or automatic seat belts may earn rate discounts up to 30%.
• Accident Free – Drivers who don’t have accidents get the best car insurance rates when compared with drivers who are more careless.
• Discount for Life Insurance – Larger insurance companies have a discounted car insurance rate on car insurance if you buy some life insurance in addition to your auto policy.
• Drivers Education – Have your child participate in a local driver’s education class in high school.
• Full Payment Discount – By paying your policy upfront instead of monthly or quarterly installments you can avoid monthly service charges.

Discounts lower rates, but many deductions do not apply to the entire cost. Most only apply to specific coverage prices like comprehensive or collision. So even though they make it sound like you can get free auto insurance, you won’t be that lucky.

A few of the larger companies and the discounts they provide are detailed below.

• Geico policyholders can earn discounts including federal employee, daytime running lights, membership and employees, anti-lock brakes, good student, multi-vehicle, and driver training.
• Travelers offers premium reductions for multi-car, early quote, home ownership, new car, and good student.
• Nationwide may include discounts for defensive driving, anti-theft, multi-policy, accident-free, and business or organization.
• Farmers Insurance discounts include bundle discounts, multi-car, mature driver, early shopping, distant student, and business and professional.
• Esurance offers discounts for multi-car, good student, DriveSense, online shopper, and Switch & Save.
• State Farm includes discounts for good driver, accident-free, multiple autos, Drive Safe & Save, good student, and anti-theft.
• Progressive has discounts for online quote discount, online signing, homeowner, multi-policy, and good student.
• Mercury Insurance may offer discounts for accident-free, good driver, multi-car, professional/association, and ease of repair.

If you are trying to find inexpensive insurance quotes, ask every prospective company how you can save money. A few discounts might not apply in your area. If you would like to choose from a list of insurers with the best car insurance discounts, click here to view.

How to buy insurance online

The majority of larger companies allow consumers to get coverage prices on their websites. Getting prices online is easy for anyone because you just enter your required coverages into the form. Behind the scenes, the quote system pulls your driving record and credit report and returns a price.

Online price quotes streamlines rate comparisons, but having to visit each company’s website and repetitively type in the same information can be a bit repetitive. But it’s absolutely necessary to perform this step in order to get a better rate.

The quickest way to compare rates uses one simple form to obtain quotes from more than one company. This type of form saves time, requires much less work on your part, and makes comparison shopping a lot less work. After your information is entered, it gets priced and you can select any of the price quotes you receive. If one or more price quotes are lower than your current rates, you can simply submit the application and buy the new coverage. This process takes less than 15 minutes and you will know how your current rates stack up.

To use this form to compare rates, click here to open in new window and submit your coverage information. If you have your current policy handy, we recommend you complete the form with exactly as shown on your declarations page. This makes sure you will receive a price comparison for similar coverage.

When in doubt talk to an agent

When it comes to choosing proper insurance coverage, there isn’t really a best way to insure your cars. Every insured’s situation is different.

For instance, these questions can aid in determining whether your personal situation may require specific advice.

• Is borrowed equipment or tools covered if stolen or damaged?
• If I drive on a suspended license am I covered?
• Why is insurance for a teen driver so high?
• Will my insurance pay for OEM parts?
• When can my company non-renew my policy?
• Am I covered when driving in Canada or Mexico?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to an agent. To find an agent in your area, simply complete this short form. It’s fast, free and can provide invaluable advice.

Insurance coverage basics

Understanding the coverages of your policy can help you determine appropriate coverage and proper limits and deductibles. Insurance terms can be ambiguous and reading a policy is terribly boring.

Comprehensive coverage

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like damage from flooding, theft, a tree branch falling on your vehicle and damage from getting keyed. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability coverage

This coverage will cover damage that occurs to other’s property or people in an accident. It protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability can pay for claims like repair costs for stationary objects, legal defense fees, funeral expenses and court costs. The amount of liability coverage you purchase is up to you, but consider buying as high a limit as you can afford.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses such as dental work, EMT expenses, funeral costs, doctor visits and hospital visits. They are often used in conjunction with a health insurance program or if you are not covered by health insurance. They cover both the driver and occupants and also covers being hit by a car walking across the street. PIP is not an option in every state but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and also any damage incurred to your Nissan Juke.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Collision protection

Collision insurance will pay to fix damage to your Juke resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as sustaining damage from a pot hole, colliding with a tree, sideswiping another vehicle and scraping a guard rail. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. It’s also possible to increase the deductible to save money on collision insurance.

A tidy conclusion

When shopping online for car insurance, you should never reduce needed coverages to save money. There are a lot of situations where an accident victim reduced liability limits or collision coverage only to discover later that it was a big error on their part. The proper strategy is to find the BEST coverage at the best price, but don’t skip important coverages to save money.

We covered many ways to shop for 2012 Nissan Juke insurance online. The most important thing to understand is the more rate comparisons you have, the better your chances of lowering your rates. Consumers could even find that the best prices are with some of the smallest insurance companies.

Insureds change insurance companies for a variety of reasons including policy cancellation, policy non-renewal, high rates after DUI convictions or even questionable increases in premium. No matter why you want to switch, finding a new company can be pretty painless.

More resources

• Information for Teen Drivers (Geico)
• Coverage Information (Progressive Insurance)
• Crash Avoidance Technologies FAQ (iihs.org)
• Bodily Injury Coverage (Liberty Mutual)