View 2013 Nissan Juke Insurance Cost

Trying to find cheaper insurance coverage rates for your Nissan Juke? I can’t think of a single person who likes having to buy insurance coverage, particularly when they are paying too much.

Since consumers have many options when it comes to insurance coverage, it can be challenging to find the best provider.

Finding affordable coverage is quite easy. If you have car insurance now, you should be able to cut costs considerably using this information. Nevertheless, consumers must know how big insurance companies sell online and use this information to your advantage.

How to Get Insurance

The are a couple different ways to compare rate quotes from insurance companies in your area. The simplest method to compare 2013 Nissan Juke insurance prices consists of obtaining rate quotes online. This is very easy and can be done in a couple of different ways.

  1. The recommended way to get the best comparison quotes is a comparison rater form click here to open form in new window. This form saves time by eliminating separate quote forms for each company. One simple form will get you rate comparisons from multiple low-cost companies.
  2. A different way to find lower rates requires visiting each company website to request a price quote. For sake of this example, we’ll assume you want to compare rates from Nationwide, Allstate and Farmers. You would have to take the time to go to each site to enter your coverage information, and that’s why the first method is more popular.

    For a list of links to companies insuring cars in your area, click here.

  3. The least recommended method to compare rates is to drive around to and from local insurance agencies. The internet has reduced the need for local agents unless you require the trained guidance of a licensed agent. However, consumers can find lower rates online but still have the advice of a local agent and we’ll touch on that later.

Whichever method you choose, be sure to compare the exact same coverage limits on every quote you get. If you use different liability limits it will be very difficult to determine the best price for your Nissan Juke. Quoting even small variations in limits can result in a big premium difference. And when price shopping your coverage, obtaining a wide range of quotes provides better odds of finding the best price.

Be sure to get all your discounts

Companies don’t always list every available discount very well, so we took the time to find both well-publicized and the more hidden insurance coverage savings.

  • Anti-theft System – Anti-theft and alarm systems prevent vehicle theft and will save you 10% or more.
  • Military Discounts – Having a family member in the military could be rewarded with lower premiums.
  • Employee of Federal Government – Active or retired federal employment may qualify you for a discount on Juke insurance with certain companies.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes can avoid accidents and will save you 10% or more.
  • Life Insurance Discount – Select insurance companies reward you with better rates if you take out life insurance.
  • One Accident Forgiven – A handful of insurance companies allow you one accident before raising your premiums if you are claim-free prior to the accident.

It’s important to note that most credits do not apply the the whole policy. Most cut specific coverage prices like collision or personal injury protection. So when it seems like you can get free auto insurance, insurance coverage companies aren’t that generous.

To see a list of insurance companies with discount insurance coverage rates, click here to view.

How do I know if I need professional advice?

When it comes to buying coverage for your vehicles, there is no “perfect” insurance plan. Everyone’s needs are different and your policy should reflect that. These are some specific questions could help you determine whether or not you would benefit from professional advice.

  • What happens if I owe more than my 2013 Nissan Juke is worth?
  • I don’t drive much so do I pay less?
  • Is my ex-spouse still covered by my policy?
  • Does my insurance cover a custom paint job?
  • Am I covered if I break a side mirror?
  • Are rental cars covered under my policy?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies.

Coverages available on your auto insurance policy

Having a good grasp of your policy can help you determine the right coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Shown next are typical coverage types available from auto insurance companies.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for surgery, hospital visits, ambulance fees and nursing services. They are often utilized in addition to your health insurance plan or if there is no health insurance coverage. Coverage applies to all vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Liability car insurance – This coverage will cover damage that occurs to people or other property in an accident. This insurance protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 25/50/25 which stand for a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against things like bail bonds, medical expenses, repair costs for stationary objects and pain and suffering. How much coverage you buy is up to you, but it’s cheap coverage so purchase higher limits if possible.

Collision coverage – Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as colliding with a tree, driving through your garage door and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Drivers also have the option to raise the deductible to save money on collision insurance.

Comprehensive protection – Comprehensive insurance pays for damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as theft, hitting a deer and vandalism. The maximum amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Uninsured or underinsured coverage – This protects you and your vehicle when other motorists do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your Nissan Juke.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.