Cheaper 2016 Nissan Juke Insurance Cost in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 3, 2024

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Want cheaper car insurance rates for your Nissan Juke? I really doubt anyone likes buying car insurance, in particular when the prices are way too high. Multiple insurers compete to insure your vehicles, and it can be difficult to compare rates and get the definite lowest cost out there.

It’s important to quote other rates at least once a year because insurance prices are rarely the same from one policy term to another. If you had the best deal on Juke coverage at your last renewal a different company probably has better premium rates today. Forget anything you know (or think you know) about car insurance because we’re going to show you the best way to remove unneeded coverages and save money.

If you have insurance now or need a new policy, you can learn to cut your premiums and still get good coverage. Choosing the best insurance company for you is easy if you know what you’re doing. Drivers only need an understanding of the proper way to compare rates over the internet.

Free car insurance quotes

Effectively comparing car insurance prices can be a lot of work if you aren’t aware of the most efficient way to do it. You could waste time driving to insurance agencies in your area, or you could use online quoting to quickly compare rates.

Many companies are enrolled in a marketplace where insurance shoppers enter their policy data once, and each participating company can provide price quotes based on that information. This saves time by eliminating quotation requests for every car insurance company.

To submit your quote information now, enter your zip code here.

The one downside to using this type of form is that consumers can’t choose the companies to receive prices from. If you prefer to choose from a list of companies to compare rates, we have a listing of low cost car insurance companies in your area. Click to enter zip code.

You can use whichever method you prefer to find lower rates, just make sure you compare the same quote information on every quote you get. If you have different deductibles it will be very difficult to determine the lowest rate for your Nissan Juke.

Cheap insurance coverage rates with discounts

Car insurance can cost a lot, but there’s a good chance there are discounts to cut the cost considerably. Most are applied at the time of purchase, but a few must be inquired about before being credited.

  • Driver’s Education for Students – It’s a good idea to have your young drivers participate in a local driver’s education class in school or through a local driver safety program.
  • Driver Training Discounts – Participating in a course that instructs on driving safety could earn you a small percentage discount and easily recoup the cost of the course.
  • Federal Government Employee – Having worked for a branch of the government can earn a discount up to 10% on Juke coverage depending on your insurance coverage provider.
  • Accident Waiver – Not a discount per se, but companies like Liberty Mutual and GEICO allow you one accident without the usual rate increase so long as you haven’t had any claims prior to being involved in the accident.
  • Active Service Discounts – Being on active duty in the military may qualify for rate reductions.
  • Mature Driver Discount – Seniors may be able to get better insurance coverage rates on Juke coverage.
  • Good Student – Getting good grades can earn a discount of 20% or more. Many companies even apply the discount to college students until age 25.
  • Anti-lock Brake Discount – Cars, trucks, and SUVs with anti-lock braking systems can stop better under adverse conditions and will save you 10% or more.
  • Discounts for Cautious Drivers – Insureds without accidents can get discounts for up to 45% lower rates on Juke coverage than less cautious drivers.

Don’t be surprised that some of the credits will not apply to all coverage premiums. The majority will only reduce individual premiums such as medical payments or collision. Despite the fact that it seems like you could get a free insurance coverage policy, it just doesn’t work that way.

A list of companies and a partial list of their discounts are shown below.

  • Progressive may offer discounts for multi-policy, good student, continuous coverage, multi-vehicle, homeowner, and online quote discount.
  • GEICO offers premium reductions for seat belt use, membership and employees, anti-theft, federal employee, good student, and military active duty.
  • State Farm includes discounts for student away at school, Drive Safe & Save, good student, passive restraint, and multiple autos.
  • Esurance offers discounts for Switch & Save, online shopper, anti-theft, anti-lock brakes, claim free, and multi-policy.
  • The Hartford has discounts for bundle, air bag, driver training, anti-theft, defensive driver, and good student.

If you need lower rates, check with every prospective company to give you their best rates. Some of the discounts discussed earlier may not be offered in your area. To see a list of providers with discount rates, enter your zip code here.

Tailor your insurance coverage to you

When buying adequate coverage, there isn’t really a one size fits all plan. Everyone’s situation is a little different and your policy should reflect that. Here are some questions about coverages that can aid in determining whether your personal situation could use an agent’s help.

  • What are the financial responsibility laws in my state?
  • Where can I find high-risk insurance?
  • Do I need replacement cost coverage?
  • How do I file an SR-22 for a DUI in my state?
  • How can I get high-risk coverage after a DUI?
  • Do I need an umbrella policy?
  • Are my friends covered when driving my car?
  • Should I carry comprehensive and collision coverage?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete your zip code. It only takes a few minutes and may give you better protection.

Reduce insurance rates with these tips

When buying car insurance it’s important to understand the rating factors that come into play when calculating the rates you pay for car insurance. When you know what positively or negatively impacts premium levels, this helps enable you to make changes that may reward you with cheaper rates. Many factors are part of the equation when you get your auto insurance bill. Most are fairly basic like an MVR report, but others are less apparent like where you live and annual miles driven.

The list below includes some of the things used by your company to calculate your rate level.

  • Add-on coverages can waste money – Insurance policies have a lot of extra bells and whistles that can waste your money if you aren’t diligent. Coverages like rental car reimbursement, accidental death, and extra equipment coverage may not be needed and are just wasting money. They may seem like a good idea at first, but if you’ve never needed them in the past remove them from your policy.
  • Do you know you’re credit score? – Having a good credit score is a large factor in determining premium rates. People that have good credit tend to be better risks to insure than drivers with lower credit scores. So if your credit rating leaves room for improvement, you could save money insuring your 2016 Nissan Juke by improving your credit score.
  • Low deductibles mean high costs – Deductibles for physical damage state the amount of money you are required to spend before your car insurance pays a claim. Coverage for physical damage, also called ‘full coverage’, is used to repair damage to your car. Some coverage claims would be a windshield broken by a bird, fire damage, and damage caused by road hazards. The more money the insured is willing to pay, the less your car insurance will be on Juke coverage.
  • City dwellers may pay more – Being located in smaller towns and rural areas of the country may provide you with better prices when shopping for auto insurance. Less people translates into fewer accidents. Urban drivers have to deal with more auto accidents and a longer drive to work. Longer commute distances means more chance of being in an accident.
  • Is you occupation costing you more? – Occupations such as military personnel, architects and miners generally have higher average rates because of high stress levels and lengthy work days. Conversely, occupations such as scientists, students and the unemployed get better rates on Juke coverage.
  • Married drivers pay lower rates – Walking down the aisle can get you a discount when buying car insurance. Marriage may mean you are more financially stable it has been statistically shown that married drivers get in fewer accidents.
  • Never have car insurance policy lapses – Allowing your car insurance policy to lapse is a guaranteed way to drive up your policy premiums. Not only will you pay higher rates, getting caught without coverage might get you fines and jail time. Then you may be required to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department.

Well known brands might not be cheapest

Consumers can’t get away from ads for the lowest price insurance by State Farm and Allstate. All the ads make an identical promise that you’ll save big if you switch your coverage.

It sounds good, but how can they all charge you less for car insurance?

All companies quote their cheapest rates for the type of driver that will add to their bottom line. An example of a desirable insured might be described as over the age of 50, has a clear driving record, and has a short commute. A customer who matches that profile will qualify for the lowest premium rates and most likely will pay quite a bit less when switching companies.

Consumers who don’t meet this stringent profile will be quoted higher prices which usually ends up with business going elsewhere. The wording the ads use say “drivers who switch” not “everyone that quotes” can get the lowest rates when switching. That’s the way insurance companies can confidently make claims that they all have the best rates.

Each company has different criteria, so you really need to get a wide range of price quotes. It’s impossible to know the company that will have the lowest rates.

Learn about insurance coverages for a Nissan Juke

Knowing the specifics of your policy helps when choosing which coverages you need for your vehicles. Policy terminology can be confusing and coverage can change by endorsement. Below you’ll find typical coverage types found on most insurance policies.

Liability auto insurance

This provides protection from damage that occurs to people or other property in an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for 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. You commonly see liability limits of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Another option is a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers claims such as court costs, attorney fees, legal defense fees, emergency aid and bail bonds. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as much as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. It can pay for injuries to you and your family as well as damage to your Nissan Juke.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Frequently these limits are set the same as your liability limits.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for prosthetic devices, X-ray expenses and rehabilitation expenses. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Auto collision coverage

Collision coverage pays for damage to your Juke resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as crashing into a ditch, hitting a parking meter, hitting a mailbox, colliding with another moving vehicle and rolling your car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. You can also bump up the deductible to bring the cost down.

Comprehensive insurance

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like theft, hail damage, vandalism and a broken windshield. The maximum payout your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Don’t throw your cash in the trash

Throughout this article, we presented quite a bit of information on how to shop for 2016 Nissan Juke insurance online. The key thing to remember is the more companies you get rates for, the better chance you’ll have of finding inexpensive car insurance. Consumers could even find that the lowest prices come from some of the smallest insurance companies. Some small companies can often provide lower rates in certain areas than the large multi-state companies such as Progressive and GEICO.

When buying insurance coverage, it’s very important that you do not skimp on coverage in order to save money. There are a lot of situations where an accident victim reduced uninsured motorist or liability limits to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal is to purchase a proper amount of coverage for the lowest cost, but do not skimp to save money.

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