How Much Does 2011 Nissan Juke Insurance Cost?

Want lower insurance coverage rates? Drivers have a choice when trying to find low-cost Nissan Juke insurance. They can either spend hours calling around to get rate comparisons or use the internet to get rate quotes. There are both good and bad ways to buy insurance coverage and you need to know the proper way to compare rates for a Nissan and find the lowest price either online or from local insurance agents.

Auto Insurance Prices

There are a variety of methods you can shop for 2011 Nissan Juke auto insurance but one way is easier and takes less work. You can waste hours discussing policy coverages with insurance companies in your area, or you could use online quoting to achieve your goal.

Most major companies belong to a marketplace where prospective buyers only type in their quote data once, and at least one company then returns a price quote. This eliminates the need for form submissions to each company.

To use this form to compare 2011 Nissan Juke insurance rates click here (opens in new window).

The one disadvantage to getting quotes like this is you can’t choose which companies to get quotes from. If you prefer to choose specific providers to receive pricing from, we have a page of auto insurance companies in your area. View list of insurance companies.

Which method you use is up to you, but ensure you’re using identical coverages and limits on every quote you get. If the quotes have differing limits it will be very difficult to make an equal comparison.

Discounts can save BIG

Companies don’t always publicize every available discount very well, so we took the time to find some of the best known as well as the least known ways to save on insurance. If you don’t get every credit available, you are paying more than you should be.

  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and earn discounts up to 10%.
  • One Accident Forgiven – Some insurance companies will forgive one accident before raising your premiums if your claims history is clear for a set time period.
  • Bundle and Save – When you combine your home and auto insurance with one insurance company you may save approximately 10% to 15%.
  • Safety Course Discount – Successfully completing a course in driver safety could save 5% or more and easily recoup the cost of the course.
  • Own a Home – Being a homeowner may earn you a small savings due to the fact that maintaining a home requires personal responsibility.
  • Student Driver Training – Cut your cost by having your teen driver complete a driver education course in high school.
  • Accident Free – Drivers who don’t have accidents pay less compared to frequent claim filers.
  • Save with a New Car – Insuring a new car is cheaper due to better safety requirements for new cars.
  • Multiple Cars – Having all your vehicles on one policy qualifies for this discount.

It’s important to understand that some of the credits will not apply to the entire policy premium. Most only apply to the cost of specific coverages such as comprehensive or collision. So even though they make it sound like it’s possible to get free car insurance, companies wouldn’t make money that way.

To see a list of providers offering insurance discounts, click here.

Nissan Juke insurance rates consist of many parts

Consumers need to have an understanding of the rating factors that play a part in calculating the rates you pay for insurance coverage. Knowing what determines base rates empowers consumers to make smart changes that may reward you with lower insurance coverage prices.

Shown below are a partial list of the pieces used by your company to calculate rates.

  • Poor credit can mean higher rates – Having a bad credit history is a huge factor in determining your rates. If your credit score is not that good, you could be paying less to insure your 2011 Nissan Juke by improving your rating. Drivers with high credit ratings tend to file fewer claims and have better driving records than drivers who have lower credit scores.
  • Pay less if you’re married – Getting married helps lower the price on your insurance coverage policy. Having a significant other translates into being more mature and it’s statistically proven that married drivers get in fewer accidents.
  • Policy add-ons can waste money – There are many extra bells and whistles that you can buy on your insurance coverage policy. Coverages like personal injury protection, towing coverage and motor club memberships may be wasting your money. They may seem like a good idea when you first buy your policy, but if you don’t need them get rid of them and save.
  • Men pay higher rates – Statistics show women tend to be less risk to insure than men. That doesn’t necessarily mean that men are worse drivers. Both sexes cause accidents in similar percentages, but the males cause more damage. They also get cited for more serious violations like reckless driving and DUI. Young males are the most expensive to insure and thus pay the highest rates.

Will just any policy work for me?

When buying the right insurance coverage for your vehicles, there really is no best way to insure your cars. Every insured’s situation is different.

These are some specific questions might point out if your insurance needs could use an agent’s help.

  • Do I have newly-aquired coverage?
  • Am I covered if I crash into my own garage door?
  • Why am I required to get a high-risk car insurance policy?
  • Should I sign the liability waiver when renting a car?
  • Is other people’s property covered if stolen from my vehicle?
  • I don’t drive much so do I pay less?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Can I afford low physical damage deductibles?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Auto insurance coverages

Understanding the coverages of a insurance policy can help you determine the best coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Comprehensive protection

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as damage from flooding, damage from getting keyed, a tree branch falling on your vehicle, vandalism and damage from a tornado or hurricane. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Liability auto insurance

This protects you from damage or injury you incur to other people or property that is your fault. It protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 100/300/100 that translate to $100,000 bodily injury coverage, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for claims like medical expenses, loss of income and medical services. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as much as you can afford.

Medical expense coverage

Med pay and PIP coverage kick in for short-term medical expenses such as surgery, hospital visits, chiropractic care, X-ray expenses and pain medications. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers you and your occupants in addition to if you are hit as a while walking down the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Uninsured or underinsured coverage

This coverage provides protection when other motorists either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Nissan Juke.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Collision coverage

Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as sideswiping another vehicle, hitting a mailbox, colliding with a tree, crashing into a ditch and rolling your car. This coverage can be expensive, so consider removing coverage from older vehicles. Another option is to choose a higher deductible to save money on collision insurance.

At the end of the day…

When you buy insurance online, it’s a bad idea to sacrifice coverage to reduce premiums. In too many instances, an accident victim reduced collision coverage only to regret they didn’t have enough coverage. Your strategy should be to get the best coverage possible for the lowest price while not skimping on critical coverages.

You just learned a lot of information how to lower your 2011 Nissan Juke insurance rates. The key thing to remember is the more quotes you get, the higher the chance of saving money. Drivers may discover the best prices are with some of the lesser-known companies.

Discount insurance is possible from both online companies as well as from independent agents, so you should be comparing quotes from both to get a complete price analysis. Some insurance providers don’t offer you the ability to get quotes online and these smaller companies work with independent agents.

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