Lower Your 2017 Nissan Juke Insurance Quotes 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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I really doubt anyone anticipates paying for insurance, especially when the cost is too high. Companies like GEICO, Progressive and Allstate increase brand awareness with TV and radio ads and it is difficult to separate fact from fiction and do the work needed to find the best deal.

How to lower your insurance coverage cost

Effectively comparing insurance coverage prices can be challenging if you don’t understand the best way to get rate quotes. You can spend your afternoon talking about coverages with insurance agencies in your area, or you could use the web to get rates in a matter of minutes.

Many popular insurance companies enroll in a system that allows shoppers to complete one form, and each participating company provides a quote based on that data. This saves time by eliminating quote requests to each individual insurance coverage company.

To find out how much you’re overpaying now enter your zip code here.

The only downside to pricing coverage this way is you cannot specify which providers you will receive quotes from. If you wish to select specific providers to compare prices, we have a page of companies who write insurance coverage in your area. Click to enter zip code.

The method you choose is up to you, but compare the same coverages for every quote you compare. If your comparisons have different deductibles you will not be able to determine which rate is truly the best.

Don’t listen to company ads

Consumers can’t avoid all the ads that promise big savings for switching by Allstate, GEICO and Progressive. They all have a common claim that people will save just by switching your policy.

How does every company say the same thing? This is the way they can do it.

Auto insurance companies have an ideal profile for the type of customer that is profitable for them. One example of this type of risk profile could possibly be between the ages of 30 and 50, has never had a policy lapse, and drives a car with an anti-theft system. Anyone that matches those criteria will qualify for the lowest premium rates and will most likely save some money.

People who don’t measure up to those criteria may be forced to pay more expensive rates and ends up with business going elsewhere. Company advertisements say “people that switch” not “everybody who quotes” save that much when switching. That is how companies can state the savings. Because each company has a different risk profile, you really need to get a wide range of price quotes. It’s not possible to predict with any certainty which company will have the best premium rates at this point in time.

Smart buyers can lower their insurance costs

Many things are used when you quote your car insurance policy. Some are pretty understandable like an MVR report, but others are less apparent such as your marital status or your commute time.

  • Too many insurance claims will drive prices up – Companies award the lowest premiums to people who are not frequent claim filers. If you tend to file frequent claims, you can pretty much guarantee much higher rates or policy non-renewal. Your insurance policy is intended for the large, substantial claims.
  • Alarm systems save money – Driving a car with a theft deterrent system can earn a premium discount. Theft deterrent systems such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent vehicle theft.
  • Liability insurance is critical – Your insurance policy’s liability coverage will provide protection if ever you are found to be at fault for damages from an accident. It will provide legal defense coverage up to the limits shown on your policy. Liability insurance is quite affordable compared to other policy coverages, so drivers should make sure they buy enough to cover all assets.
  • Premiums increase with driving tickets – Only having one speeding ticket or other violation may cause rates to rise to the point where it’s not affordable. Good drivers receive lower rates than their less careful counterparts. Drivers with license-revoking violations such as DUI, reckless driving or excessive speeding may face state-mandated requirements to submit a SR-22 form with their state in order to prevent a license revocation.
  • Teenagers are high risk – More experienced drivers are more responsible, tend to cause fewer accidents and are safer drivers. Teenage drivers are known to be careless and easily distracted behind the wheel so insurance rates are higher.
  • Marriage brings a discount – Having a wife or husband helps lower the price on insurance. Marriage translates into being less irresponsible it has been statistically shown that married drivers get in fewer accidents.

Get lower rates by taking advantage of discounts

Companies don’t always publicize all available discounts very clearly, so the list below details some of the more common and also the more inconspicuous discounts that you may qualify for.

  • Student Discounts – Being a good student could provide a savings of up to 20% or more. You can use this discount normally well after school through age 25.
  • Federal Employees – Having worked for a branch of the government could cut as much as 10% off on Juke insurance with select insurance companies.
  • No Charge for an Accident – This isn’t a discount exactly, but certain companies will forgive one accident before they charge you more for coverage so long as you are claim-free prior to the accident.
  • Student Driver Training – It’s a good idea to have your young drivers take driver’s ed class if it’s offered in school.
  • ABS and Traction Control Discounts – Cars and trucks that have steering control and anti-lock brakes can stop better under adverse conditions and earn discounts up to 10%.
  • Payment Method – If you pay your bill all at once instead of monthly or quarterly installments you can actually save on your bill.
  • Driver Safety – Passing a course that instructs on driving safety could possibly earn you a 5% discount and also improve your driving technique.
  • Safe Driver Discounts – Insureds without accidents may save up to 50% more on Juke insurance than drivers with accident claims.

Don’t be shocked that some credits don’t apply to your bottom line cost. A few only apply to specific coverage prices like liability and collision coverage. So even though they make it sound like you would end up receiving a 100% discount, it doesn’t quite work that way.

Companies that may offer these discounts include:

  • State Farm
  • American Family
  • AAA
  • Mercury Insurance
  • Farmers Insurance
  • Progressive

If you need the cheapest auto insurance quotes, ask every insurance company how many discounts you can get. Depending on the company, some discounts may not be available in your area. If you would like to see a list of insurance companies who offer online insurance quotes, enter your zip code here.

How much insurance do I need?

When it comes to buying coverage, there isn’t really a “perfect” insurance plan. Every insured’s situation is different so your insurance needs to address that. For instance, these questions might point out whether your personal situation may require specific advice.

  • How high should deductibles be on a 2017 Nissan Juke?
  • Are rock chip repairs covered?
  • Can I afford to buy a different vehicle if my 2017 Nissan Juke is totaled?
  • Does my personal policy cover me when driving out-of-state?
  • Do I need PIP coverage since I have good health insurance?
  • How can I get high-risk coverage after a DUI?
  • Is my cargo covered for damage or theft?
  • When would I need rental car insurance?
  • Why do I only qualify for high-risk insurance?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, take a second and enter your zip code. It is quick, free and you can get the answers you need.

Car insurance policy coverages for a Nissan Juke

Having a good grasp of your car insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Shown next are the usual coverages found on most car insurance policies.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage provides protection when other motorists do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Collision coverage

Collision coverage covers damage to your Juke resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as scraping a guard rail, rolling your car and damaging your car on a curb. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. You can also increase the deductible in order to get cheaper collision rates.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers claims like falling objects, fire damage, vandalism and hail damage. The maximum payout a car insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability insurance

Liability insurance can cover damage that occurs to other people or property. This insurance protects YOU against other people’s claims. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 100/300/100 that means you have a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against claims such as attorney fees, medical expenses, pain and suffering, repair bills for other people’s vehicles and medical services. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Insurance for medical payments

Med pay and PIP coverage reimburse you for immediate expenses for ambulance fees, funeral costs, prosthetic devices, X-ray expenses and dental work. The coverages can be used in conjunction with a health insurance plan or if you are not covered by health insurance. They cover all vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

What is YOUR best insurance company?

When shopping online for insurance, it’s not a good idea to skimp on coverage in order to save money. In many instances, drivers have reduced full coverage and found out when filing a claim they didn’t have enough coverage. Your focus should be to find the BEST coverage at the best price, not the least amount of coverage.

You just learned some good ideas how to shop for 2017 Nissan Juke insurance online. The most important thing to understand is the more rate quotes you have, the better likelihood of getting the cheapest auto insurance. You may even discover the most savings is with the least-expected company. Smaller companies often have lower prices on specific markets compared to the large companies like Allstate, GEICO and Progressive.

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