Cheaper 2012 Nissan Juke Insurance Quotes

Are you a victim of an overpriced insurance coverage policy? Believe me when I say there are many people just like you.

Multiple auto insurance companies compete for your insurance dollar, so it’s not easy to compare every company to find the absolute best rates possible.

It’s a great practice to do rate comparisons once or twice a year because rates change regularly. Just because you found the lowest price for Juke insurance a couple years back other companies may now be cheaper. Starting now, forget anything you know (or think you know) about insurance coverage because you’re about to learn the best way to lower your annual insurance bill.

If you currently have car insurance, you will be able to save some money using this information. Finding affordable coverage is not rocket science. But drivers do need to learn how the larger insurance companies sell online and take advantage of how the system works.

Pieces of the Nissan Juke insurance rate puzzle

Smart consumers have a good feel for the different types of things that play a part in calculating the price you pay for insurance coverage. Having a good understanding of what determines base rates empowers consumers to make smart changes that could result in better insurance coverage rates.

  • Traffic violations increase rates – Your driving record has a huge affect on how much you pay. Even a single speeding ticket can increase rates twenty percent or more. Good drivers receive lower rates than people who have multiple driving citations. Drivers who get severe violations such as DWI, reckless driving or hit and run convictions may be required to submit a SR-22 or proof of financial responsibility with their state DMV in order to drive a vehicle legally.
  • Do you need those extra coverages? – There are quite a few extra coverages that you can get tricked into buying on your insurance coverage policy. Insurance for personal injury protection, accidental death and term life insurance may be costing you every month. These may sound like a good investment initially, but if they’re wasting money eliminate the coverages to reduce your premium.
  • Rates may be higher depending on your occupation – Did you know your job can affect your rates? Occupations like doctors, executives and dentists tend to pay the highest average rates attributed to high stress levels and lots of time spent at work. Other occupations like farmers, historians and performers have the lowest average rates for Juke insurance.
  • Never allow your policy to lapse – Driving your car without having proper coverage is a misdemeanor and as a result your rates will increase for letting your coverage lapse. And not only will your rates increase, but not being able to provide proof of insurance will get you a revoked license or a big fine.
  • Low deductibles can be expensive – Your deductibles define the amount you are required to spend out-of-pocket before a claim is paid by your company. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. A few examples of covered claims would be running into the backend of another car, vandalism, or theft. The higher the amount you have to pay, the bigger discount you will receive for Juke insurance.
  • Safer cars are cheaper to insure – Vehicles with good safety scores get lower rates. Safe vehicles result in less severe injuries and lower injury rates translates into fewer and smaller insurance claims and lower rates for you. If your Nissan Juke earned at least four stars on Safercar.gov it may be receiving lower rates.
  • Don’t sacrifice liability coverage – The liability section of your policy provides coverage if ever a court rules you are at fault for causing damage or personal injury in an accident. It provides you with a defense in court which can be incredibly expensive. This coverage is very inexpensive compared to insuring for physical damage coverage, so buy as much as you can afford.

Don’t miss out on these money-saving discounts

Companies that sell car insurance do not list all available discounts very clearly, so we took the time to find some of the more common and the more hidden discounts you could be receiving.

  • Driver’s Ed – Have your child enroll in driver’s education in high school.
  • College Student – Kids in college who are attending college and do not have access to a covered vehicle can receive lower rates.
  • Auto/Life Discount – Select insurance companies reward you with a discount if you purchase life insurance from them.
  • Good Student – This discount can save 20 to 25%. The good student discount can last up to age 25.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to use a seat belt could save 15% off the personal injury premium cost.
  • Discount for New Cars – Insuring a new car can cost up to 25% less compared to insuring an older model.
  • Multiple Vehicles – Insuring multiple vehicles with the same company could earn a price break for each car.

Keep in mind that many deductions do not apply to the overall cost of the policy. Most cut the cost of specific coverages such as physical damage coverage or medical payments. Just because it seems like having all the discounts means you get insurance for free, it doesn’t quite work that way.

Companies that may offer these money-saving discounts include:

Double check with all companies you are considering which discounts you may be entitled to. Savings may not be available in every state.

Are you falling for claims of savings?

Insurance coverage companies such as Allstate and Progressive continually stream ads in print and on television. They all seem to have a common claim of big savings after switching to their company. But how can every company make the same claim? This is how they do it.

Different companies can use profiling for the type of customer they prefer to insure. An example of a profitable customer could be between the ages of 30 and 50, insures multiple vehicles, and chooses high deductibles. A customer who meets those qualifications will get very good rates and most likely will pay quite a bit less when switching companies.

Consumers who don’t meet the requirements must pay higher premiums and ends up with the driver buying from a lower-cost company. The ads state “drivers who switch” not “everybody who quotes” save that much money. That is how insurance companies can confidently make those claims. This illustrates why you absolutely need to compare as many rates as you can. It’s just too difficult to predict which insurance coverage company will provide you with the cheapest Nissan Juke insurance rates.

Do I need special coverages?

When it comes to buying the best car insurance coverage for your personal vehicles, there really is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs and your policy should reflect that. For example, these questions could help you determine whether or not you might need an agent’s assistance.

  • Does insurance cover damages from a DUI accident?
  • What is UM/UIM insurance?
  • What is medical payments coverage?
  • Am I missing any policy discounts?
  • Does having multiple vehicles earn me a discount?
  • Do I have coverage if my license is suspended?
  • Am I covered by my spouse’s policy after a separation?
  • What is high-risk coverage and where do I buy it?
  • Am I covered if I crash into my own garage door?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of car insurance companies in your area.

Auto insurance coverages 101

Learning about specific coverages of auto insurance aids in choosing which coverages you need and proper limits and deductibles. Policy terminology can be ambiguous and nobody wants to actually read their policy. Below you’ll find the usual coverages found on most auto insurance policies.

Auto collision coverage

This coverage pays for damage to your Juke resulting from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things such as backing into a parked car, damaging your car on a curb and sideswiping another vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Auto liability

Liability coverage can cover damages or injuries you inflict on other people or property that is your fault. This coverage protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 50/100/50 that means you have a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability can pay for things such as funeral expenses, pain and suffering and loss of income. How much liability should you purchase? That is a personal decision, but buy as large an amount as possible.

Protection from uninsured/underinsured drivers

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

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Comprehensive (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 pays for claims like fire damage, damage from a tornado or hurricane, hitting a deer and vandalism. The maximum payout a auto insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Medical expense insurance

Coverage for medical payments and/or PIP pay for bills for doctor visits, dental work, prosthetic devices and EMT expenses. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Make a quick buck

The cheapest 2012 Nissan Juke insurance is attainable online and also from your neighborhood agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance providers may not provide the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.

We covered many ideas to reduce insurance prices online. It’s most important to understand that the more you quote, the better your chances of lowering your rates. Consumers may even find the biggest savings come from some of the smallest insurance companies. These smaller insurers may cover specific market segments cheaper compared to the large companies like State Farm or Progressive.

More information is located at these links: