How long has it been since you compared the cheapest Nissan Juke insurance in San Diego? Nobody looks forward to paying premiums for insurance, especially knowing they could find better prices if they shop around.
It’s hard to fathom, but nearly 70% of customers renewed their policy with the same company for at least four years, and 38% of drivers have never compared rate quotes at all. Many drivers in America can cut their rates by as much as $860 a year by just shopping around, but most just don’t grasp the actual amount they would save if they just switched companies. You have multiple insurers to insure vehicles with, and although it’s nice to have a choice, having more insurance companies makes it harder to find a good deal for Nissan Juke insurance in San Diego.
Consumers should take time to compare prices every six months since prices are adjusted regularly by insurance companies. Despite the fact that you may have had the best quotes on Nissan Juke insurance in San Diego on your last policy you may be paying too much now. Block out anything you think you know about insurance because we’re going to show you how to use online quotes to find better rates and still maintain coverage.
Best companies for low-cost Nissan Juke insurance in California
The companies shown below have been selected to offer free rate quotes in San Diego, CA. If multiple companies are shown, it’s a good idea that you get rates from several of them in order to get a fair rate comparison.
San Diego auto insurance discounts
Auto insurance is not inexpensive, but you might already qualify for some discounts that can drop the cost substantially. Certain credits will be shown when you purchase, but some need to be specifically requested in order for you to get them.
- Responsible Driver Discounts – Accident-free drivers can get discounts for up to 45% lower rates than their less cautious counterparts.
- No Charge for an Accident – This one is not really a discount per se, but companies like Progressive, Allstate, and Liberty Mutual will let one accident slide before hitting you with a surcharge so long as you are claim-free prior to being involved in the accident.
- Telematics Data – People who choose to allow companies to monitor driving patterns by installing a telematics device like Drivewise from Allstate or In-Drive from State Farm could save a few bucks if they exhibit good driving behavior.
- Pay Upfront and Save – By making one initial payment instead of monthly or quarterly installments you can avoid the installment charge.
- Driver Education Discount – Require your teen driver to complete a driver education course as it can save substantially.
- Theft Deterrent – Cars optioned with advanced anti-theft systems help deter theft and qualify for as much as a 10% discount.
A quick disclaimer, some of the credits will not apply to your bottom line cost. A few only apply to the cost of specific coverages such as comprehensive or collision. Just because it seems like having all the discounts means you get insurance for free, it doesn’t quite work that way.
If you would like to see a list of auto insurance companies with the best Nissan Juke insurance discounts in San Diego in San Diego, click this link.
Learn How to Find Auto Insurance More Affordably
Lots of factors are part of the calculation when quoting car insurance. A few of the factors are predictable like a motor vehicle report, although some other factors are more transparent like your continuous coverage and annual miles driven.
The factors shown below are some of the things companies use to determine your rate level.
What’s your car’s crash test rating? – Cars with five star safety ratings cost less to insure. Vehicles built for safety reduce occupant injuries and better occupant protection translates directly to fewer claims passed on to you as lower rates. If your Nissan has at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may pay a lower rate.
Females tend to cost less – Over the last 50 years, statistics have shown that women are safer drivers than men. That doesn’t necessarily mean that men are WORSE drivers than women. Men and women are responsible for accidents in similar percentages, but the male of the species tend to have higher claims. Men also tend to get more serious tickets like DWI (DUI) or reckless driving. Young men ages 16 to 20 cause the most accidents and therefore pay the highest rates.
Remove unneeded extra policy coverages – Policies have extra bells and whistles that can add up but may not be useful. Things like roadside assistance, towing coverage, and additional equipment coverage may be costing you every month. You may think they are a good idea when you first buy your policy, but if you have no use for them eliminate the coverages to reduce your premium.
Experienced drivers pay less – Inexperience drivers are known to be careless and easily distracted when at the wheel of a vehicle therefore auto insurance rates are much higher. Older, more experienced drivers are viewed as being more responsible, tend to cause fewer accidents, and usually have better credit.
Use credit responsibly and save – A driver’s credit score is likely to be a major factor in determining premium rates. Drivers who have very high credit ratings tend to be better risks to insure than those with poor credit. So if your credit history can be improved, you could pay less to insure your Nissan Juke by taking the time to improve your credit score.
Nissan Juke claim probability – Insurers use historical loss data when they calculate premium rates for each model. Models that the statistics show to have higher number or severity of losses will have higher rates for specific coverages. The next table shows the historical insurance loss data for Nissan Juke vehicles.
For each policy coverage, the claim amount for all vehicles compiled together equals 100. Numbers that are below 100 suggest losses that are better than average, while percentage values above 100 indicate frequent claims or a tendency for losses to be larger than average.
Auto Insurance Loss Data for Nissan Juke Models
|Vehicle Make and Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Nissan Juke 2WD||101||104||77||111||134||113|
|Nissan Juke 4WD||107||112||75||120||115||105|
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Buying from insurance agents
Some consumers still like to sit down and talk to an agent and often times that is recommended Agents can help you build your policy and help file insurance claims. One of the benefits of getting online price quotes is that you can obtain the best rates and still have a local agent.
Once you complete this simple form, your coverage information is emailed to insurance agents in San Diego that give free quotes and help you find cheaper coverage. You never need to find an agent as quotes are delivered immediately to you. In the event you want to get a rate quote from a specific insurance company, you just need to visit that company’s website and give them your coverage information.
Picking the best provider needs to be determined by more than just the premium amount. Any agent in San Diego should be willing to answer these questions.
- If you raise deductibles, how much can you save?
- Are claim adjusters local or do you have to take your car somewhere else?
- Has the agent ever had any license suspensions?
- Does the company use OEM repair parts?
- Which members of your family are coverage by the policy?
After getting acceptable answers to any questions you have and cheap Juke insurance quotes, chances are good that you have found a company that is reputable and can service your policy. Keep in mind it’s your policy and you can cancel your policy at any time so don’t assume that you are obligated to the insurance policy with no way out.
Car insurance advertisements
Consumers in California can’t escape the ads for the lowest price car insurance by companies like 21st Century, Allstate and State Farm. All the ads have a common claim that you can save just by switching your coverage.
How does every car insurance company offer drivers better rates?
Insurance providers have specific characteristics for the type of driver that is profitable for them. An example of a profitable customer may need to be over the age of 40, has no tickets, and drives a safe vehicle. Anybody who meets those qualifications gets the lowest premium rates and as a result will probably cut their Nissan Juke insurance rates if they switch.
Drivers who do not fit those standards will be charged higher premium rates and ends up with the customer not purchasing. The trick companies use is to say “people who switch” not “all people who quote” save that kind of money. This is how insurance companies can confidently lure you into getting a quote. This really drives home the point why you should compare quotes as often as possible. It is impossible to predict which car insurance company will provide you with the cheapest Nissan Juke insurance in San Diego.
Smart shoppers get results
Throughout this article, we presented a lot of techniques to get a better price on Nissan Juke insurance in San Diego. The most important thing to understand is the more providers you compare, the higher your chance of finding inexpensive San Diego car insurance quotes. Drivers may even discover the best price on insurance is with a small local company. Smaller companies may often insure only within specific states and give better rates than the large multi-state companies such as State Farm and Allstate.
Cost effective Nissan Juke insurance can be sourced both online and from local agencies, so you need to shop San Diego car insurance with both in order to have the best chance of saving money. There are still a few companies who may not offer online rate quotes and many times these regional insurance providers prefer to sell through independent agents.
For more information, feel free to browse these articles:
- Property Damage Coverage (Liberty Mutual)
- Who Has Cheap Auto Insurance for a Dodge Journey in San Diego? (FAQ)
- Who Has Affordable San Diego Auto Insurance Rates for a Nissan Sentra? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for a Toyota Highlander in San Diego? (FAQ)
- What Insurance is Cheapest for a Hyundai Elantra in San Diego? (FAQ)
- What Insurance is Cheapest for Safe Drivers in San Diego? (FAQ)
- Safety Features for Your New Car (State Farm)
- Alcohol Impaired Driving FAQ (iihs.org)