2016 Nissan Juke Car Insurance Rates

Think you have an overpriced auto insurance policy? It’s quite common and many consumers feel financially strained by their auto insurance policy.

Due to the fact that there are so many companies and agents to choose from, it can be challenging to find the right company.

Compare quotes for insurance

To get cheaper insurance coverage quotes, there a variety of ways to compare quotes from insurance companies in your area. The best method to find the lowest 2016 Nissan Juke rates is to use the internet to compare rates. It’s really quite simple and can be done by using one of the methods below.

If you’re in a hurry, the quickest way to get quotes for comparison is a comparison rater form like this one (opens in new window). This style of form eliminates the need for separate quote forms for each company you want a rate for. Completing one form will get you price quotes direct from many companies.

A harder way to find more affordable insurance consists of visiting each individual company website and get a separate price quote. For sake of this example, let’s say you want comparison quotes from State Farm, Allstate and Liberty Mutual. You would need to spend time going to each site individually and enter your information, which is why the first method is more popular.

To view a list of companies in your area, click here.

It’s up to you which method you use, but try to use the exact same quote data on every quote. If you compare mixed coverages you will not be able to make a fair comparison for your Nissan Juke. Even a minor difference in coverages may cause a big price difference. And when comparison shopping, quoting more helps locate lower pricing. Not every company allows you to get online price quotes, so you need to compare rates from the smaller companies as well.

Slash your auto insurance rates with discounts

Some companies do not advertise all available discounts very clearly, so we researched both well-publicized and the harder-to-find savings tricks you should be using when you buy insurance coverage online. If you do not double check each discount you qualify for, you may be paying too high a price.

  • ABS Brakes – Cars and trucks with ABS braking systems or traction control can avoid accidents and will save you 10% or more.
  • Data Collection Discounts – People who choose to allow their auto insurance company to study driving patterns through the use of a telematics system such as State Farm’s In-Drive may get a rate reduction if they show good driving skills.
  • Passive Restraints – Options like air bags or automatic seat belts could see savings of 20% or more.
  • Military Deployment Discount – Having a deployed family member may lower your prices slightly.
  • Discounts for Safe Drivers – Safe drivers may receive a discount up to 45% for Juke coverage compared to accident prone drivers.
  • Payment Method – If you pay your entire premium ahead of time as opposed to paying monthly you may reduce your total bill.
  • Early Renewal Discounts – A few auto insurance companies give discounts for switching to them prior to your current policy expiring. This can save 10% or more.
  • E-sign Discounts – Some of the larger companies may give you up to $50 for completing your application on the web.
  • Memberships – Being in certain professional organizations is a good way to get lower rates on your next renewal.

A little note about advertised discounts, most discount credits are not given to the entire policy premium. Most only cut individual premiums such as physical damage coverage or medical payments. Despite the appearance that all those discounts means the company will pay you, you won’t be that lucky.

A few popular companies and their offered discounts are:

  • Mercury Insurance offers discounts including type of vehicle, good student, accident-free, location of vehicle, good driver, age of vehicle, and annual mileage.
  • Farmers Insurance has savings for business and professional, electronic funds transfer, bundle discounts, switch companies, pay in full, and good student.
  • Farm Bureau may include discounts for multi-vehicle, multi-policy, youthful driver, driver training, and good student.
  • State Farm includes discounts for defensive driving training, driver’s education, good student, Drive Safe & Save, accident-free, good driver, and passive restraint.
  • Allstate may offer discounts for good student, FullPay discount, passive restraint, eSmart discount, utility vehicle, and anti-lock brakes.
  • Geico has discounts for daytime running lights, air bags, multi-vehicle, multi-policy, anti-theft, emergency military deployment, and membership and employees.

If you need the cheapest insurance coverage quotes, ask every company how you can save money. Some of the earlier mentioned discounts may not apply in your area.

You are unique and your insurance coverage should be too

When it comes to choosing proper insurance coverage, there really is no single plan that fits everyone. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. Here are some questions about coverages that may help you determine if your situation will benefit from professional help.

  • Is my ex-spouse still covered by my policy?
  • What is the ISO rating for a 2016 Nissan Juke?
  • Am I covered when delivering products for my home-based business?
  • Will my insurance pay for OEM parts?
  • Am I covered when driving a rental car?
  • Do I have any recourse if my insurance company denies a claim?
  • What is medical payments coverage?
  • How much underlying liability do I need for an umbrella policy?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Car insurance 101

Having a good grasp of your car insurance policy aids in choosing the right coverages for your vehicles. Car insurance terms can be confusing and coverage can change by endorsement. Shown next are typical coverage types offered by car insurance companies.

Liability coverage

Liability coverage can cover damage that occurs to other’s property or people by causing an accident. It protects you against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for things like bail bonds, repair bills for other people’s vehicles and funeral expenses. How much liability coverage do you need? That is a personal decision, but buy as large an amount as possible.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive coverage

This coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as a broken windshield, damage from getting keyed and theft. The highest amount a car insurance company will pay at claim time 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 payments coverage and PIP

Med pay and PIP coverage kick in for bills such as nursing services, rehabilitation expenses and pain medications. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants and will also cover any family member struck as a pedestrian. PIP is not universally available and may carry a deductible

Coverage for collisions

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 and then insurance will cover the remainder.

Collision can pay for claims like hitting a parking meter, damaging your car on a curb and driving through your garage door. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Never pay more for less

We covered many tips how you can reduce 2016 Nissan Juke insurance car insurance rates online. The key thing to remember is the more you quote insurance coverage, the better your chances of lowering your premium rates. Drivers may discover the biggest savings come from a small local company. Some small companies may have significantly lower premium rates on certain market segments than their larger competitors like Allstate, Geico and Progressive.

As you quote insurance coverage, you should never buy less coverage just to save a little money. There have been many cases where an insured cut full coverage and found out when filing a claim that they should have had better coverage. The ultimate goal is to buy enough coverage at an affordable rate while not skimping on critical coverages.

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Comments About 2016 Nissan Juke Insurance

  1. Deann Morgan

    I got quite a few price quotes for a 2016 Nissan Juke in Columbia, South Carolina. Ended up at about $240 every six months with AIG Insurance. Insured with AAA before. A clean driving record helps. I got a quote from their website.

  2. Freeda Chandler

    I live on the east side of Lewiston, ME. I don’t recall every quote but I ended up saving about $30 each month. Insured with Encompass before. Even increased coverage a bit. Not sure if rates are cheaper online or through an agent.

  3. Cathryn Spence

    IT’S ALL TOO EXPENSIVE! I live just outside Portland, ME. I got free quotes from Amica, MetLife, and some smaller one I can’t remember the name of for my 2016 Nissan Juke and cut my rates about $110 a year. My new agent seems to be really good. I got prices on the web.

  4. Albert Holder

    State Farm is decent in Tampa, FL.

  5. Hayden Moody

    For me, Allstate was by far the cheapest in Newark, Delaware.

  6. King Reyes

    Got a quote with Amica for my Juke and am saving around $500 a year. I got a quote from their website.

  7. Nyla Wilcox

    Cheaper not always better. I live in a small town just outside of Baton Rouge, LA. I got free quotes with State Farm, American Family, Esurance, and GMAC for my Juke and saved just over $560 a year.

  8. Rossana Stafford

    I’m just west of Cedar Rapids, Iowa. I got free quotes with Progressive, Erie, and The General for my Juke and I’m now saving $41 a month. Left Esurance to switch. Can still barely afford it.

  9. Raye Knight

    I’m just west of Wilmington, DE. Quoted prices from Allstate, Hartford, and Eastwood for my Nissan and saved just over $570 a year.

  10. Kala Moore

    Here’s my info. I live just to the south of Shreveport, LA. Got quotes with State Farm, GMAC, and Encompass for my Juke and cut my rates about $200 a year. I think they have home insurance too. It’s easy to compare rates online now.