2015 Nissan Juke Car Insurance Quotes – 6 Tips for Cheaper Rates

Perplexed by the sheer number of insurance coverage companies? Many other drivers are as well. Drivers have so many options that it can easily become a challenge to find lower rates.

Policy discounts you shouldn’t miss

Companies offering auto insurance do not advertise all their discounts very clearly, so here is a list both well-publicized and also the lesser-known ways to save on car insurance.

  • Paperless Signup – A handful of insurance companies give back up to $50 for buying a policy and signing up online.
  • Homeowners Pay Less – Owning a house may earn you a small savings because owning a home requires personal responsibility.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes can avoid accidents and qualify for as much as a 10% discount.
  • Fewer Miles Equal More Savings – Driving fewer miles could qualify for better rates on cars that stay parked.
  • Lower Rates for Military – Being deployed with a military unit could be rewarded with lower premiums.
  • Seat Belt Usage – Buckling up and requiring all passengers to use a seat belt can save 10% or more off your medical payments premium.

Drivers should understand that some of the credits will not apply the the whole policy. A few only apply to the cost of specific coverages such as liability, collision or medical payments. So even though it sounds like you could get a free car insurance policy, you’re out of luck.

Car insurance companies who might offer these benefits include:

Before buying, ask every prospective company which discounts you may be entitled to. All car insurance discounts might not apply in your area.

How to Compare Auto Insurance Rates

There are a variety of methods to shop for 2015 Nissan Juke auto insurance, and some are easier and takes less work. You could waste time talking about coverages with insurance agencies in your area, or you could save time and use the web for quick rates.

Many of the larger companies participate in an industry program where prospective buyers enter their coverage request one time, and each participating company then returns a price quote based on that data. This eliminates the need for quote forms for each company.

To participate in this free quote system, click here (opens in new window).

The only downside to comparing rates this way is buyers cannot specifically choose the providers to receive prices from. If you prefer to choose specific providers to compare prices, we have a page of auto insurance companies in your area. View list of insurance companies.

It’s your choice how you get your quotes, but compare identical coverage limits and deductibles for every company. If you compare unequal deductibles or liability limits you can’t possibly make a fair comparison for your Nissan Juke. Slightly different limits could mean much higher rates. Keep in mind that quoting more helps you find the best offered rates.

Insurance agents can help

When it comes to choosing proper insurance coverage, there really is not a “perfect” insurance plan. Everyone’s needs are different.

For instance, these questions might point out whether your personal situation might need an agent’s assistance.

  • What is the rate difference between pleasure use and commuting?
  • What discounts do I qualify for?
  • How do I file an SR-22 for a DUI in my state?
  • Does medical payments coverage apply to all occupants?
  • Do I pay less if my vehicle is kept in my garage?
  • Should I buy more coverage than the required minimum liability coverage?
  • Am I covered when driving in Canada or Mexico?
  • When do I need to add a new car to my policy?

If you don’t know the answers to these questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, complete this form.

Auto insurance coverage information

Having a good grasp of a insurance policy helps when choosing appropriate coverage for your vehicles. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your Nissan Juke.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for things like EMT expenses, dental work and ambulance fees. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants as well as being hit by a car walking across the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Collision coverage

Collision insurance covers damage to your Juke from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things such as backing into a parked car, crashing into a building and rolling your car. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

Comprehensive (Other than Collision)

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like vandalism, a broken windshield, damage from flooding and hail damage. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability coverage

Liability insurance can cover injuries or damage you cause to a person or their property by causing an accident. It protects you from legal claims by others. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see limits of 50/100/50 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability coverage pays for claims such as funeral expenses, legal defense fees and structural damage. The amount of liability coverage you purchase is a decision to put some thought into, but buy as much as you can afford.

More effort can pay off

As you shop your coverage around, it’s very important that you do not skimp on coverage in order to save money. There have been many situations where someone sacrificed collision coverage only to discover later they didn’t have enough coverage. Your focus should be to buy the best coverage you can find at the best price.

People who switch companies do it for a variety of reasons including denial of a claim, policy cancellation, delays in paying claims or unfair underwriting practices. Regardless of your reason for switching companies, finding a new company is not as difficult as it may seem.

Cost effective 2015 Nissan Juke insurance is attainable on the web as well as from independent agents, and you need to price shop both in order to have the best chance of saving money. Some insurance companies don’t offer you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.

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