Cheap 2013 Nissan Juke Insurance Rates

Searching for cheaper insurance rates? Consumers have a choice when looking for the best price on Nissan Juke insurance. You can either spend your time calling around getting price quotes or use the internet to compare rates.

There is a better way to buy insurance so you’re going to learn the proper way to quote coverages on a Nissan and find the lowest possible price from local insurance agents and online providers.

This article will instruct you on how car insurance quotes work. If you currently have car insurance, you will be able to cut costs considerably using this strategy. Consumers just need to know the most efficient way to compare company rates online.

Discounts for cheaper insurance coverage rates

Not too many consumers would say insurance coverage is affordable, but there may be some discounts that could help you make your next renewal payment. Certain credits will be shown when you complete an application, but some must be inquired about in order for you to get them.

• Low Mileage Discounts – Low mileage vehicles may allow you to get discounted rates on garaged vehicles.
• Save with More Vehicles Insured – Buying coverage for multiple vehicles with the same company can reduce rates for all insured vehicles.
• Lower Rates for Military – Being on active duty in the military could trigger a small discount.
• E-sign – Many companies will give a small break for buying your policy digitally online.
• Passive Restraints and Air Bags – Cars that have air bags or motorized seat belts can get savings of more than 20%.
• Use Seat Belts – Drivers who require all vehicle occupants to use their safety belts can save a little off the PIP or medical payment premium.
• Accident Forgiveness – This one is not really a discount per se, but companies like Libery Mutual, Geico and Allstate will let one accident slide without the usual rate increase if you are claim-free for a set time period.
• Discounts for Responsible Drivers – Insureds who avoid accidents can pay as much as 50% less on Juke insurance than drivers with accident claims.
• Payment Method – By paying your entire bill at once instead of paying each month you may have a lower total premium amount.
• Distant Student – Children who live away from home to go to college and do not have a car may be insured at a cheaper rate.

One thing to note about discounts is that most discounts do not apply to your bottom line cost. Some only apply to individual premiums such as comp or med pay. Even though it appears all those discounts means the company will pay you, you aren’t that lucky.

Larger insurance coverage companies and a partial list of their discounts are included below.

• Travelers policyholders can earn discounts including continuous insurance, new car, IntelliDrive, good student, student away at school, and early quote.
• 21st Century may have discounts that include theft prevention, good student, teen driver, defensive driver, automatic seat belts, and early bird.
• State Farm has discounts for defensive driving training, safe vehicle, multiple policy, driver’s education, Steer Clear safe driver discount, and passive restraint.
• Geico discounts include seat belt use, anti-lock brakes, federal employee, five-year accident-free, emergency military deployment, multi-policy, and defensive driver.
• SAFECO offers premium reductions for anti-theft, drive less, multi-car, anti-lock brakes, accident prevention training, teen safety rewards, and bundle discounts.
• AAA offers discounts including multi-car, good student, good driver, education and occupation, and anti-theft.

When getting free car insurance quotes, it’s a good idea to every insurance company to apply every possible discount. Some discounts listed above might not be offered on policies in your area.

Tailor your insurance coverage coverage to you

When choosing adequate coverage for your personal vehicles, there is no one size fits all plan. Every insured’s situation is different.

For example, these questions could help you determine whether or not you may require specific advice.

• Are my friends covered when driving my 2013 Nissan Juke?
• Why do I need rental car insurance?
• Is a fancy paint job covered?
• Is my teenager covered with friends in the car?
• How much liability coverage do I need in my state?
• Should I file a claim if it’s only slightly more than my deductible?
• I have health insurance so do I need medical payments coverage?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to a licensed insurance agent. If you don’t have a local agent, simply complete this short form. It’s fast, doesn’t cost anything and can help protect your family.

Car insurance advertising gotchas

Consumers get pounded daily by advertisements for car insurance savings by Geico, State Farm and Progressive. They all tend to make the same promise that people will save if you get a free car insurance quote and switch your car insurance policy to them.

It sounds good, but how can they all charge lower premium rates? Here is the trick they use.

All the different companies look for specific characteristics for the type of driver that will generate a profit. A good example of this type of insured could be a married male, has never had a claim, and has a short commute. Any person who fits those characteristics will probably get the lowest prices as well as cut their rates substantially.

Consumers who do not meet this ideal profile will probably be forced to pay higher premium rates which translates to the customer not buying. If you listen to the ad wording, they say “people that switch” but not “everyone who gets a quote” save that much money. This is how insurance companies can state the savings.

This really drives home the point why drivers must do a quote comparison often. It’s just not possible to know which insurance companies will fit you best based on your risk profile.

Coverages available on your auto insurance policy

Understanding the coverages of your auto insurance policy can help you determine appropriate coverage and the correct deductibles and limits. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Medical costs insurance

Med pay and PIP coverage reimburse you for bills like hospital visits, nursing services, EMT expenses and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants as well as any family member struck as a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

UM/UIM Coverage

This gives you protection from other motorists when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Nissan Juke.

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. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Auto liability

This will cover injuries or damage you cause to other people or property in an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 25/50/25 which means a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers claims like loss of income, funeral expenses, pain and suffering and attorney fees. The amount of liability coverage you purchase is up to you, but consider buying higher limits if possible.

Collision insurance

Collision coverage pays for damage to your Juke from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as damaging your car on a curb, colliding with a tree and sideswiping another vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to increase the deductible in order to get cheaper collision rates.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as hail damage, hitting a bird and vandalism. The most a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Save your cold hard cash

As you shop your coverage around, never buy poor coverage just to save money. Too many times, someone dropped collision coverage only to regret at claim time that the small savings ended up costing them much more. The aim is to purchase plenty of coverage at the lowest possible cost.

Throughout this article, we presented many ways to lower your 2013 Nissan Juke insurance premium rates. The most important thing to understand is the more price quotes you have, the better your chances of lowering your prices. Drivers may discover the best price on insurance coverage is with a company that doesn’t do a lot of advertising.

Cheaper 2013 Nissan Juke insurance can be found on the web as well as from insurance agents, and you need to price shop both to have the best chance of lowering rates. There are still a few companies who may not offer price quotes online and these smaller companies provide coverage only through independent insurance agencies.

For more information, link through to the articles below:

• Information for Teen Drivers (Geico)
• Neck Injury FAQ (iihs.org)
• What does Personal Injury Protection (PIP) Cover? (Allstate)
• How Does Hitting a Deer Impact Insurance Rates? (Allstate)
• How to Avoid Staged Accidents (State Farm)
• Bodily Injury Coverage (Liberty Mutual)