Cheapest 2013 Nissan Juke Insurance Rates in 2024
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UPDATED: Jun 5, 2023
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Finding the lowest cost car insurance online can seem to be intimidating for consumers new to buying insurance online. With so many insurers available, how can drivers possibly compare every one to find the best pricing?
It’s a great practice to take a look at other company’s rates before your policy renews due to the fact that insurance rates change quite often. Just because you had the lowest price on Juke coverage on your last policy there may be better deals available now. Ignore everything you know about car insurance because I’m going to let you in on the secrets to the only way to save money, get proper deductibles and limits, all at the lowest rate.
How to reduce Nissan Juke insurance rates
The price of auto insurance can be rather high, but you can get discounts that can drop the cost substantially. Some trigger automatically at the time of quoting, but lesser-known reductions have to be requested specifically before they will apply.
- Seat Belts Save – Buckling up and requiring all passengers to buckle their seat belts could save 15% off the personal injury premium cost.
- Theft Prevention Discount – Cars that have factory anti-theft systems prevent vehicle theft and earn discounts up to 10%.
- Discount for New Cars – Putting insurance coverage on a new car can be considerably cheaper because new vehicles have to meet stringent safety requirements.
- Homeowners Discount – Simply owning a home can save you money because of the fact that having a home demonstrates responsibility.
- Resident Student – Any of your kids who attend school more than 100 miles from home and do not have access to a covered vehicle may be able to be covered for less.
- Safety Course Discount – Completing a defensive driving course could possibly earn you a 5% discount and easily recoup the cost of the course.
- Braking Control Discount – Anti-lock brake equipped vehicles are safer to drive and therefore earn up to a 10% discount.
Keep in mind that most of the big mark downs will not be given to all coverage premiums. Most only apply to the cost of specific coverages such as collision or personal injury protection. So even though it sounds like it’s possible to get free car insurance, insurance coverage companies aren’t that generous. But all discounts will reduce your overall premium however.
Companies who might offer these benefits are:
It’s a good idea to ask every prospective company which discounts they offer. Savings might not apply in your state.
Where Can I Get Cheap Insurance Coverage?
To find the best insurance coverage prices, there are several ways of comparing rates from insurance coverage companies in your area. The easiest way to find the cheapest 2013 Nissan Juke insurance rates is to use the internet to compare rates. This is very easy and can be done in several different ways.
- The single most time-saving way consumers can make multiple comparisons would be an industry-wide quote request form like this one (opens in new window). This easy form prevents you from having to do boring form submissions for each company you want a rate for. Taking the time to complete one form will get you price quotes from many national carriers. Just one form and you’re done.
- Another way to analyze rates is going to the website for each individual company and request a quote. For instance, we’ll pretend you want to compare GEICO, Progressive and Travelers. To get rate quotes you would need to visit each site and enter your information, which is why the first method is more popular. For a list of links to insurance companies in your area, click here.
It doesn’t matter which method you choose, just compare the exact same coverages on every quote you get. If you compare higher or lower deductibles it will be impossible to decipher which rate is best. Quoting even small variations in limits could mean much higher rates. Just keep in mind that getting more free quotes provides better odds of finding the best price.
Tailor your coverage to you
When it comes to choosing the right insurance coverage, there isn’t really a “best” method to buy coverage. Each situation is unique.
Here are some questions about coverages that can aid in determining if you would benefit from professional advice.
- Is my camper covered by my car insurance policy?
- Will I lose any money if I cancel my policy before it expires?
- Am I covered if hit by an uninsured driver?
- Am I covered by my employer’s commercial auto policy when driving my personal car for business?
- I have good health insurance, so how much medical payments coverage do I need?
- Should I put collision coverage on all my vehicles?
If you don’t know the answers to these questions, you may need to chat with an insurance agent. To find lower rates from a local agent, simply complete this short form.
Car insurance coverages and their meanings
Understanding the coverages of your policy helps when choosing 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.
This will pay to fix damage to your Juke from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.
Collision coverage pays for things such as hitting a mailbox, damaging your car on a curb, hitting a parking meter and driving through your garage door. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to increase the deductible in order to get cheaper collision rates.
Medical expense insurance
Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for things like dental work, hospital visits, ambulance fees, chiropractic care and prosthetic devices. They are used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage
Comprehensive (Other than Collision)
Comprehensive insurance coverage 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 coverage protects against claims such as rock chips in glass, damage from a tornado or hurricane, a broken windshield, hitting a bird and damage from getting keyed. The maximum amount a car insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.
Protection from uninsured/underinsured drivers
Your UM/UIM coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Most of the time these limits are identical to your policy’s liability coverage.
Coverage for liability
This protects you from injuries or damage you cause to other’s property or people in an accident. This coverage protects you from claims by other people. It does not cover your own vehicle damage or injuries.
It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 25/50/25 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.
Liability coverage protects against claims such as repair costs for stationary objects, loss of income and legal defense fees. How much liability should you purchase? That is a personal decision, but consider buying as much as you can afford.
And the best car insurance company is…
We’ve covered a lot of ways to shop for 2013 Nissan Juke insurance online. The key thing to remember is the more rate comparisons you have, the better likelihood of reducing your rate. You may even discover the lowest premiums are with the least-expected company.
Cheaper insurance can be purchased online and with local insurance agents, and you need to comparison shop both to get a complete price analysis. Some insurance companies do not offer you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.
As you go through the steps to switch your coverage, don’t be tempted to reduce needed coverages to save money. Too many times, someone sacrificed uninsured motorist or liability limits and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to get the best coverage possible for the lowest price, not the least amount of coverage.
More information can be read on the following sites:
- Teen Driving Statistics (GEICO)
- Where can I buy Insurance? (Insurance Information Insitute)
- Auto Insurance Facts and Statistics (Insurance Information Insitute)
- Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)
- All About Airbag Safety (State Farm)
- Safe Vehicles for Teens (iihs.org)
Frequently Asked Questions
Are all the discounts mentioned applicable to all types of coverage?
No, most of the discounts mentioned apply only to specific coverages such as collision or personal injury protection. Discounts typically vary among insurance companies and may not be available in all states. It’s important to ask each prospective company about the discounts they offer to see which ones apply to your coverage.
Why should I compare insurance rates for my 2013 Nissan Juke before renewing my policy?
Insurance rates change quite often, so it’s a good practice to compare rates from different companies before your policy renews. Even if you had the lowest price on Juke coverage on your last policy, there may be better deals available now. By comparing rates, you can potentially find cheaper options, proper deductibles, and suitable coverage limits.
Does owning a home affect my insurance rates for a 2013 Nissan Juke?
Yes, simply owning a home can save you money on insurance premiums. Insurance companies often consider homeowners to be more responsible individuals, leading to potential discounts. Owning a home demonstrates stability and a lower risk of insurance claims, which can result in lower premiums for your 2013 Nissan Juke.
How can seat belts help me save on personal injury premiums for my 2013 Nissan Juke?
Buckling up and requiring all passengers to buckle their seat belts can potentially save you 15% off the personal injury premium cost. Insurance companies view seat belt usage as a safety measure, reducing the risk of injuries in accidents. By demonstrating responsible seat belt usage, you may qualify for this discount.
Can I save money on insurance for my 2013 Nissan Juke by taking advantage of discounts?
Yes, you can potentially save money on your insurance premiums by taking advantage of various discounts offered by insurance companies. Some common discounts include seat belt savings, theft prevention discounts for vehicles with anti-theft systems, discounts for insuring a new car that meets safety requirements, homeowners discounts, discounts for resident students who attend school far from home, safety course discounts for completing defensive driving courses, and braking control discounts for vehicles equipped with anti-lock brakes. However, keep in mind that not all discounts apply to all coverage premiums, and it’s important to inquire with each insurance company about the specific discounts they offer.
How do I choose the right liability coverage limits for my 2013 Nissan Juke?
Choosing the right liability coverage limits involves considering your financial situation and personal preferences. Liability coverage protects you from claims made by others for injuries or damage caused by an accident you’re involved in. It’s recommended to select liability coverage limits that provide adequate protection for your assets and potential liabilities. Higher liability limits generally offer greater financial protection, but it’s essential to choose limits that you can comfortably afford. Consulting with an insurance agent can help you assess your needs and determine appropriate liability coverage limits for your 2013 Nissan Juke.
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