Do you want an efficient way to compare more affordable Nissan Juke insurance in San Antonio? Do you get confused by the number of car insurance sources available to you? Consumers have such a large number of options that it can easily become more work than you anticipated to find the lowest price for Nissan Juke insurance in San Antonio. Everyone knows San Antonio is an awesome place to live, but high car insurance premiums can make it impossible to afford coverage.
Unbelievable but true, most consumers have purchased from the same company for four years or more, and just short of a majority have never compared car insurance rates at all. With the average premium in Texas being $2,680, drivers can cut their rates by as much as $1,766 a year by just shopping around, but most tend to underestimate the amount of savings they would get if they swap their current policy for a cheaper one.
It's a good idea to price shop coverage quite often since rates are constantly changing. If you had the best rate on Nissan Juke insurance in San Antonio two years ago there may be better deals available now. You can find a lot of wrong information about Juke insurance on the web, but in just a couple of minutes you can learn some great ideas on how to find affordable car insurance in San Antonio.
Obtaining price quotes for the lowest-priced insurance policy in San Antonio is not as difficult as people think. Virtually every vehicle owner who has to purchase insurance should be able to cut their insurance bill. Nevertheless, Texas drivers do need to know how big insurance companies determine what you pay because it can help you find the best coverage.
Save money on Nissan Juke insurance in San Antonio with these car insurance discounts
Auto insurance companies don't necessarily list all possible discounts very well, so here is a list some of the more common as well as the least known credits available to lower your premiums when you buy San Antonio car insurance online.
- Defensive Driver Discounts - Taking part in a defensive driving class could earn you a small percentage discount and also improve your driving technique.
- Lower Rates for Military - Being deployed in the military can result in better premium rates.
- Safe Drivers - Drivers without accidents could pay up to 40% less than drivers with accidents.
- Early Renewal Discounts - Select car insurance companies give a discount for switching companies early. This can save 10% or more.
- No Claims - Insureds with no claims or accidents can save substantially as opposed to frequent claim filers.
- Paperless Signup - A few larger online companies will give you a small discount just for signing your application on the web.
- Discount for Life Insurance - Some insurance companies give a lower price if you buy life insurance.
- Driver's Ed - Cut your cost by having your teen driver participate in a local driver's education class as it can save substantially.
- Employee of Federal Government - Being employed by or retired from a federal job may qualify for a discount when you quote San Antonio car insurance depending on your company.
We need to note that most credits do not apply to the entire policy premium. Most cut individual premiums such as liability, collision or medical payments. Even though it may seem like having all the discounts means you get insurance for free, you won't be that lucky.
If you would like to see a list of companies that offer many of these discounts in San Antonio, follow this link.
To find cheaper rates, there are a couple of ways to compare quotes from local San Antonio insurance companies. The best method to find competitive insurance rates is to jump online and get quotes. When quoting insurance, remember that having more price comparisons will enable you to find a better price. Not every company allows you to get online price quotes, so you need to compare price estimates from the smaller companies as well.
The companies shown below offer quotes in Texas. If multiple companies are shown, we suggest you visit several of them to get the cheapest price.
How Car Insurance Companies Determine Nissan Juke Insurance Costs
One of the most helpful ways to save on car insurance is to to have a grasp of some of the factors that are used to determine car insurance rates. When consumers understand what determines premiums, this enables informed choices that could result in better car insurance rates. Lots of factors are considered when you get a price on insurance. Some factors are common sense such as traffic violations, but some are not as apparent such as whether you are married or your vehicle rating.
Pleasure use or commuting - The more miles you rack up on your Nissan annually the higher the price you pay to insure it. The majority of insurers price each vehicle's coverage based upon how the vehicle is primarily used. Autos that sit idle most of the time receive better premium rates than vehicles that are driven to work every day. Incorrect rating for your Juke may be wasting your money. It's always a good idea to double check that your car insurance coverage states the proper vehicle usage.
Stress out and pay more - Jobs such as doctors, airline pilots, and medical professionals tend to have higher rates than average because of stressful work requirements and lots of time spent away from family. Other occupations such as actors, historians and retirees get better rates.
Incidental coverages can add up - Insurance policies have a lot of extra bells and whistles that you can buy but may not be useful. Insurance for coverage for rental cars, towing, and term life insurance may be costing you every month. They may seem good when deciding what coverages you need, but your money might be better spent on other coverage so eliminate them to save money.
Insure your auto and home with one company - Some insurance companies will give better rates to buyers that have more than one policy, otherwise known as a multi-policy discount. Even with this discount applied, you still need to shop around to guarantee you are still saving the most. You may still save money by buying car insurance from a different company.
Nissan Juke insurance loss statistics - Auto insurance companies analyze claim trends for every vehicle to calculate a price that offsets possible losses. Vehicles that the data determines to have a trend towards higher claim severity or frequency will cost more for coverage.
The table below shows the collected loss data for Nissan Juke vehicles. For each coverage category, the claim amount for all vehicles, without regard to make or model, is represented as 100. Percentage numbers below 100 indicate a favorable loss history, while values over 100 indicate frequent claims or an increased chance of a larger loss.
|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|
Statistics from IIHS.org for 2013-2015 Model Years
What is the best insurance coverage?
When selecting coverage online or from an agent for your personal vehicles, there really is not a one-size-fits-all type of policy. You are unique so this has to be addressed. For example, these questions can aid in determining whether you will benefit from professional help.
- Are my tools covered if they get stolen from my vehicle?
- How much coverage applies to personal belongings?
- What can I do if my company won't pay a claim?
- Does my policy pay for OEM or aftermarket parts?
- Is my Nissan Juke covered if I use it for business?
- How much will a speeding ticket raise my rates?
- Which companies will insure me after a DUI?
- How much liability do I need to cover my assets?
- When should I have rental car coverage?
If it's difficult to answer those questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies.
When to contact a local insurance agent
A lot of people still like to talk to an insurance agent and that is not a bad decision One of the best bonuses of comparing rates online is that you can find the lowest rates and also buy local. Buying insurance from neighborhood insurance agencies is important especially in San Antonio.
For easy comparison, once you complete this simple form, your information is emailed to local insurance agents in San Antonio who can give free rate quotes for your business. There is no reason to contact any insurance agencies since rate quotes are delivered instantly to you. You can most likely find cheaper rates without the usual hassles of price shopping. If you wish to compare rates for a specific company, don't hesitate to navigate to their website and fill out their quote form.
Do you need an independent or exclusive auto insurance agent?
When looking for a local San Antonio insurance agent, it's important to understand the types of insurance agents that you can select. Insurance agencies in San Antonio may be either independent or exclusive.
Independent Agents (or Brokers)
These agents do not write with just one company and that gives them the ability to insure amongst many companies depending on which coverage is best. If they quote lower rates, your agent can switch companies which requires no work on your part. If you need cheaper insurance rates, we recommend you get rate quotes from at a minimum one independent agency to ensure the widest selection of prices. Many can place coverage with different regional companies that may have much lower rates than larger companies.
Featured below are San Antonio independent agencies that may be able to provide free insurance rate quotes.
- Garcia Insurance Agency
1255 SW Military Dr - San Antonio, TX 78221 - (210) 593-8935 - View Map
- A and A Insurance Agency
1317 Castroville Rd - San Antonio, TX 78237 - (210) 434-2311 - View Map
- Mesquite Insurance Agency
501 W Quincy St - San Antonio, TX 78212 - (210) 472-3034 - View Map
Exclusive Insurance Agencies
Agents that elect to be exclusive are contracted to one company and some examples include Farmers Insurance or State Farm. They usually cannot place coverage with different providers so they have no alternatives for high prices. Exclusive insurance agents are usually well trained on their company's products which helps them sell insurance even at higher premiums. Many people buy insurance from these agents primarily because of the prominent brand name and the convenience of having a single billing for all their coverages.
Below is a short list of exclusive insurance agents in San Antonio that are able to give rate quotes.
- Chuck Laubach - State Farm Insurance Agent
14425 Brook Hollow Blvd Suite 101 - San Antonio, TX 78232 - (210) 494-7695 - View Map
- Mary Ellen Jablonski - State Farm Insurance Agent
2606 TPC Pkwy #107 - San Antonio, TX 78259 - (210) 829-1778 - View Map
- Donna Vaughn - State Farm Insurance Agent
6722 S Flores St - San Antonio, TX 78221 - (210) 922-8787 - View Map
Finding the right auto insurance agent requires you to look at more than just the premium amount. Get answers to these questions too.
- Which insurance companies are they affiliated with?
- Is working in the agency their full-time job?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- How are claims handled?
- How experienced are they in personal risk management?
- Can you get a list of referrals?
- Do they get extra compensation for selling add-on coverages?
If you receive positive feedback to your questions as well as offering an affordable quote, you've probably found an insurance agent that can be relied on to insure your vehicles. It's important to know that it's your policy and you can cancel coverage when you choose so never assume that you're stuck with a specific agent for the full term.
Three reasons car insurance is important
Even though it's not necessarily cheap to insure a Nissan in San Antonio, paying for car insurance serves several important purposes.
First, almost all states have mandatory liability insurance requirements which means it is punishable by state law to not carry a specific level of liability insurance coverage in order to be legal. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if you took out a loan on your vehicle, it's most likely the lender will make it mandatory that you have comprehensive coverage to guarantee loan repayment. If you do not pay your insurance premiums, the bank may insure your Nissan at a more expensive rate and force you to reimburse them the higher price.
Third, insurance safeguards both your car and your assets. Insurance will pay for medical bills for both you and anyone you injure as the result of an accident. Liability coverage, the one required by state law, also covers legal expenses if someone files suit against you as the result of an accident. If you have damage to your Nissan as the result of the weather or an accident, comprehensive and/or collision insurance will pay to have it repaired.
The benefits of carrying adequate insurance definitely exceed the price paid, especially if you ever need it. In a recent study of 1,000 drivers, the average customer is overpaying over $869 every year so you should quote and compare rates once a year at a minimum to make sure the price is not too high.
Quote often and quote early
Cheaper auto insurance in San Antonio can be purchased from both online companies in addition to many San Antonio insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some companies may not provide the ability to get a quote online and many times these smaller companies only sell through independent agencies.
When searching for affordable San Antonio car insurance quotes, it's not a good idea to reduce coverage to reduce premium. There have been many cases where someone dropped liability coverage limits and discovered at claim time they didn't purchase enough coverage. The goal is to buy enough coverage at an affordable rate and still be able to protect your assets.
To learn more, feel free to browse these articles:
- Safe Vehicles for Teens (iihs.org)
- What Insurance is Cheapest for 4x4 Vehicles in San Antonio? (FAQ)
- Who Has Cheap San Antonio Car Insurance for Retired Military? (FAQ)
- Reducing Your Risks in a Car Crash Video (iihs.org)
- Should I Purchase an Umbrella Liability Policy? (Insurance Information Institute)
- How Can I Save Money on Auto Insurance? (Insurance Information Institute)