2014 Nissan Juke Car Insurance Cost – 5 Tips for Cheaper Prices

Trying to find lower auto insurance rates for your Nissan Juke? Feel like you’re a prisoner to overpriced auto insurance? Believe me, there are many drivers thinking the same thing. Due to the abundance of options, it can be challenging to locate the lowest price company.

The purpose of this post is to help educate you on how to effectively get price quotes. If you are paying for car insurance now, you will most likely be able to save some money using these techniques. Drivers just need to understand the tricks to compare rates online.

Discounts can really help save money

Car insurance can be pricey, but you may be missing some discounts to cut the cost considerably. A few discounts will be applied at quote time, but a few need to be specifically requested before you get the savings.

  • Pay Upfront and Save – If paying your policy premium upfront rather than spreading payments over time you could save 5% or more.
  • Senior Discount – If you qualify as a senior citizen, you may qualify for a small decrease in premiums for Juke coverage.
  • Theft Prevention Discount – Vehicles that have factory alarm systems and tracking devices are less likely to be stolen and will save you 10% or more.
  • Savings for New Vehicles – Buying a new car instead of a used car may earn a small discount since new model year vehicles are generally safer.
  • College Student – who live away from home at college and leave their car at home may be able to be covered for less.

It’s important to understand that some of the credits will not apply to the entire cost. Most only reduce specific coverage prices like comprehensive or collision. Even though it appears all the discounts add up to a free policy, companies don’t profit that way.

To view car insurance companies that offer multiple discounts, click this link.

Affordable auto insurance quotes

Getting a low cost price on 2014 Nissan Juke insurance can be quick and easy. Just spend a little time to compare free auto insurance quotes to find. This is very easy and can be done by using one of the methods below.

  1. The recommended way consumers can analyze rates would be an industry-wide quote request form click to view form in new window. This easy form saves time by eliminating repetitive form submissions for each company you want a rate for. Taking the time to complete one form will return quotes from several companies.
  2. A different way to get quotes online is to manually visit each individual company website and repeat the quote process. For sake of this example, we’ll assume you want to get rates from Auto-Owners, Allstate and Farmers. To find out each rate you need to navigate to each company’s site and type in your information over and over, which is why the first method is quicker. To view a list of companies in your area, click here.
  3. The most time-consuming method to get price estimates is to spend time driving to each insurance agency near you. The ability to buy insurance online reduces the need to sit down with an agent unless you have a need for the trained advice that only a licensed agent can provide. Although you can price shop online but have a local agent actually write the policy.

You can choose any of those ways to find more affodable coverage, but try to use exactly the same coverages on every quote you get. If you enter different limits and deductibles on each one you will not be able to get a fair rate comparison.

Will just any policy work for me?

When choosing adequate coverage for your vehicles, there isn’t really a single plan that fits everyone. Coverage needs to be tailored to your specific needs so this has to be addressed. These are some specific questions could help you determine whether you will benefit from professional help.

  • Does my insurance cover a custom paint job?
  • Is my dog or cat covered if injured in an accident?
  • What is covered by UM/UIM coverage?
  • If my 2014 Nissan Juke is totaled, can I afford another vehicle?
  • Is my nanny covered when driving my vehicle?
  • Do I have coverage when pulling a U-Haul trailer?
  • Do I have coverage when making deliveries for my home business?
  • Why does it cost so much to insure a teen driver?
  • Are all vehicle passengers covered by medical payments coverage?

If you’re not sure about those questions, you may need to chat with an agent. To find an agent in your area, complete this form or click here for a list of insurance coverage companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Information about specific coverages

Learning about specific coverages of auto insurance helps when choosing the right coverages and proper limits and deductibles. Auto insurance terms can be confusing and reading a policy is terribly boring. Listed below are the normal coverages offered by auto insurance companies.

Comprehensive insurance

This coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as fire damage, hitting a bird and hail damage. The maximum amount a auto insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Nissan Juke.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Frequently these limits are identical to your policy’s liability coverage.

Liability

This coverage will cover damage or injury you incur to other people or property in an accident. This coverage protects you against other people’s claims. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 50/100/50 that translate to a $50,000 limit per person for injuries, $100,000 for the entire accident, and property damage coverage for $50,000. Occasionally you may see one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers claims like medical services, pain and suffering, repair costs for stationary objects and court costs. How much liability coverage do you need? That is your choice, but consider buying as much as you can afford.

Collision coverage

Collision coverage pays for damage to your Juke from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as driving through your garage door, hitting a parking meter and hitting a mailbox. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Another option is to bump up the deductible to save money on collision insurance.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like doctor visits, surgery, X-ray expenses and ambulance fees. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Final considerations

When getting auto insurance quotes online, make sure you don’t buy lower coverage limits just to save a few bucks. In many cases, consumers will sacrifice full coverage to discover at claim time that the few dollars in savings costed them thousands. Your focus should be to purchase a proper amount of coverage at a price you can afford, but don’t skip important coverages to save money.

Cost effective 2014 Nissan Juke insurance is possible on the web as well as from independent agents, so you should compare both in order to have the best price selection to choose from. There are still a few companies who may not offer online quoting and many times these smaller providers work with local independent agents.

You just learned many ideas to lower your 2014 Nissan Juke insurance premium rates. The most important thing to understand is the more times you quote, the better chance you’ll have of finding inexpensive auto insurance. You may even discover the best price on insurance coverage is with a small local company. These companies may only write in your state and offer lower prices than their larger competitors like GEICO and State Farm.

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