2014 Nissan Juke Insurance Cost – 10 Tips for Cheaper Prices

Looking for cheaper car insurance rates for your Nissan Juke? No one anticipates paying for car insurance, in particular when the price is too high. Many car insurance companies vie for your business, so it can be very hard to choose a insurer and get the definite cheapest price

If you have insurance now or are just looking to switch companies, you can follow these tips to cut your premiums and still get good coverage. Finding affordable coverage is not that difficult. Consumers only need to know the best way to compare rates online.

Take advantage of every car insurance discount

Not too many consumers would say car insurance is affordable, but discounts can save money and there are some available that could help you make your next renewal payment. A few discounts will be applied at quote time, but a few need to be asked for before you get the savings. If they aren’t giving you every credit available, you may be paying too high a price.

  • Own a Home – Just owning your own home can save you money since owning and maintaining a home means you have a higher level of financial diligence.
  • Employee of Federal Government – Having worked for a branch of the government can earn a discount up to 10% for Juke insurance depending on your car insurance provider.
  • Life Insurance – If the company offers life insurance, you could get a discount if you purchase some life insurance in addition to your auto policy.
  • Paperless Signup – A handful of insurance companies will discount your bill up to fifty bucks shop insurance online.
  • ABS Braking Discount – Cars and trucks that have anti-lock braking systems prevent accidents and therefore earn up to a 10% discount.
  • Discounts for Responsible Drivers – Drivers who avoid accidents may receive a discount up to 45% for Juke insurance than drivers with accidents.
  • Discounts for Multiple Vehicles – Drivers who insure several vehicles on a single policy may reduce the rate for each vehicle.
  • 55 and Retired – Drivers over the age of 55 can possibly qualify for a small decrease in premiums for Juke insurance.
  • Low Miles Discount – Maintaining low annual mileage can earn better rates on cars that stay parked.
  • Distant College Student Discount – Children who are attending college without a vehicle on campus can receive lower rates.

A quick disclaimer, most of the big mark downs will not be given to the overall cost of the policy. Most cut the price of certain insurance coverages like medical payments or collision. Even though it may seem like all those discounts means the company will pay you, it doesn’t quite work that way.

A few companies that have many of the previously listed discounts include:

When getting a coverage quote, ask every insurance company the best way to save money. Some of the earlier mentioned discounts may not apply to policyholders in your area. To see providers that offer multiple discounts, click here.

How to know if you need help

When it comes to buying the right insurance coverage, there is no cookie cutter policy. Every insured’s situation is different so your insurance should reflect that For instance, these questions may help you determine whether your personal situation would benefit from an agent’s advice.

  • Do I need higher collision deductibles?
  • Does my policy cover me when driving someone else’s vehicle?
  • How do I buy GAP insurance?
  • Am I covered if my car is in a flood?
  • Am I getting all the discounts available?
  • Does car insurance cover theft of personal property?
  • Should I waive the damage coverage when renting a car?
  • What should my uninsured motorist coverage limits be in my state?
  • Will my vehicle be repaired with OEM or aftermarket parts?

If you’re not sure about those questions, you might consider talking to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier It is quick, free and may give you better protection.

Misconceptions in insurance coverage advertisements

Consumers can’t ignore all the ads that promise big savings by Allstate and Progressive. All the companies advertise claims that you’ll save big just by moving your policy.

How does every company give you a lower rate? This is the trick they use.

Insurance companies quote their cheapest rates for the type of driver that will be a good risk. For example, a desirable risk could possibly be between the ages of 40 and 55, has no driving citations, and drives less than 5,000 miles a year. Any driver who matches those parameters will qualify for the lowest rates and as a result will probably cut their rates if they switch.

People who do not meet these standards will see higher premiums and this can result in the driver buying from a lower-cost company. The ads say “people who switch” not “everybody who quotes” can save as much as they claim. That’s the way insurance companies can make it sound like they have such great rates. This emphasizes why you really need to compare rate quotes every year. Because without a comparison, you cannot know which insurance companies will provide you with the cheapest prices.

Insurance coverages 101

Knowing the specifics of insurance can help you determine the best coverages for your vehicles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. Listed below are typical coverage types available from insurance companies.

Collision coverage protection

This pays for damage to your Juke resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as driving through your garage door, sideswiping another vehicle and colliding with a tree. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to raise the deductible to bring the cost down.

Comprehensive protection

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as hail damage, vandalism, rock chips in glass and a tree branch falling on your vehicle. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical expense coverage

Medical payments and Personal Injury Protection insurance pay for bills like dental work, X-ray expenses, pain medications, prosthetic devices and surgery. They are utilized in addition to your health insurance plan or if you do not have health coverage. Medical payments and PIP cover you and your occupants and also covers getting struck while a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Coverage for liability

This protects you from damage or injury you incur to a person or their property in an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 100/300/100 that means you have a limit of $100,000 per injured person, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability insurance covers things like structural damage, loss of income, court costs and funeral expenses. How much coverage you buy is a decision to put some thought into, but consider buying higher limits if possible.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Nissan Juke.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Be a smart shopper

Cheaper auto insurance is possible online and with local insurance agents, so get free insurance quotes from both of them in order to have the best chance of saving money. There are still a few companies who may not offer internet price quotes and these regional insurance providers only sell coverage through independent insurance agencies.

When trying to cut insurance costs, it’s a bad idea to skimp on coverage in order to save money. In many cases, drivers have reduced liability coverage limits only to regret at claim time that the small savings ended up costing them much more. Your aim should be to buy enough coverage at the best price while not skimping on critical coverages.

Even more information can be found by following these links:

Comments About 2014 Nissan Juke Insurance

  1. Jermaine Buck

    Does Maine have minimum liability requirements?

  2. Kelvin Cabrera

    From northwest of Fort Smith, AR. I quoted with The General, American Family, Mercury, and a couple others for my 2014 Nissan Juke and I think I saved around $70 each month. Even increased coverage a bit. LOL

  3. Clora Pena

    From east side of Overland Park, KS. Quoted with AAA, Mercury, and a few others for my 2014 Nissan Juke and saved just over $360 a year. Left Erie to switch. Get lots of quotes to find the best rate.

  4. Maurice Nielsen

    Cheaper not always better. Live in Kansas City, MO. Quoted prices online for a 2014 Nissan Juke. Ended up at about $370 savings annually. Went with State Farm. Was with Allstate. They have free quotes online.

  5. Dudley Barton

    I’m in the suburbs of Billings, Montana. I don’t recall every quote but I ended up saving about $20 each month. Got better coverage too. Not sure if rates are cheaper online or through an agent.

  6. Kristie Ball

    Is GEICO or Allstate cheaper in Warwick, RI?

  7. Marion Valencia

    Not sure if this is cheap. I’m in the west part of Green Bay, Wisconsin. Quoted with Amica, Sentry, and a few others for my Nissan and saved just over $400 a year. I used their website to get prices.

  8. Thersa Berg

    Located in Bangor, ME. I don’t recall every quote but I ended up saving about $40 each month. Just waiting to see how claims go.

  9. Jolie Boyle

    I’ve bought from GEICO forever. Cheapest rates in Los Angeles, CA.

  10. Kayleigh Good

    Lots of good stuff here. I live just outside Biloxi, Mississippi. Quoted quotes with AAA, Sentry, and some smaller one I can’t remember the name of for my 2014 Nissan Juke and I’m now saving $29 a month.

  11. Charlotte Hendrix

    $100 to anyone who understands their policy.

  12. Lois Mcpherson

    I found pretty cheap rate quotes for a 2014 Nissan Juke in Minneapolis, Minnesota. Ended up at roughly $350 every six months with AIG Insurance. Not sure if rates are cheaper online or through an agent.

  13. Valencia Mcclain

    Does Progressive have good customer service?