High-priced Nissan Juke insurance in Mesa can draw down your checking account and force you to prioritize other expenses. Doing a rate comparison is free, only takes a few minutes, and is a good way to tighten up your finances.
Shocking but true, the vast majority of consumers renewed their policy with the same company for four years or more, and 38% of drivers have never compared rate quotes at all. Many drivers in America could save approximately 47% each year just by shopping around, but they assume it’s a waste of time to find cheap rates by getting comparison quotes. Insurance companies such as Allstate and Progressive all claim big savings, bombarding you with advertising and consumers find it hard to sift through the bull and take the time to shop coverage around.
Lower the Price of Insurance with These Tips
It’s important that you understand some of the elements that help determine your policy premiums. When you know what positively or negatively controls the rates you pay, this enables informed choices that may reward you with lower premium levels. Many things are considered when you quote your car insurance policy. Some of the criteria are obvious such as your driving history, although others are not quite as obvious such as whether you are married or your vehicle rating.
Bundle policies and save money – Many insurance companies provide lower prices to customers that have more than one policy, otherwise known as a multi-policy discount. Discounts can add up to anywhere from five to ten percent in most cases. Even though this discount sounds good, drivers will still want to shop around to verify if the discount is saving money.There is a chance you can find lower rates by buying insurance from more than one company.
Performance makes a difference – The make and model of the car you are insuring makes a substantial difference in your premium level. The cheapest rates will generally be found on small economy passenger vehicles, but your final cost has many other factors.
Raising physical damage deductibles saves money – Physical damage insurance, termed comprehensive and collision coverage on your policy, is used to repair damage to your vehicle. Some instances where coverage would apply are a windshield shattered by a rock, vandalism, and windstorm damage. Physical damage deductibles are the amount of money you are willing to pay out-of-pocket in the event of a claim. The more damage repair cost you’re willing to pay, the less your insurance will be.
How much liability – Liability insurance kicks in in the event that you are found to be at fault for causing damage or personal injury in an accident. Your policy’s liability insurance provides you with a defense in court which can cost thousands of dollars. Liability insurance is pretty cheap compared to insuring for physical damage coverage, so drivers should carry high limits.
Are males or females drivers cheaper? – Statistics demonstrate women tend to be less risk to insure than men. The data does not necessarily mean that women are better drivers. Both genders have auto accidents at about the same rate, but males tend to have more serious accidents. Men also receive more costly citations such as DWI and reckless driving.
Mature drivers pay less – Youthful drivers in Arizona tend to be easily distracted when driving so insurance rates are higher. Adding a teenage driver to your policy can cause a big jump in price. Older people have been proven to be more responsible, cause fewer claims and accidents, and receive fewer citations.
Reduce prices by staying claim free – Auto insurance companies in Arizona provide lower rates to people who only file infrequent claims. If you are the type of insured that files lots of claims you can pretty much guarantee much higher rates or policy non-renewal. Your insurance policy is meant to be used in the event of more catastrophic claims.
Nissan Juke statistical loss data – Auto insurance companies use claims history to help calculate a profitable premium price. Vehicles that the data shows to have increased losses will have a higher premium rate. The next table shows the loss history for Nissan Juke vehicles.
For each policy coverage, the claim probability for all vehicles compiled together is set at 100. Numbers under 100 are indicative of better than average losses, while percentage numbers above 100 point to more frequent losses or an increased probability of a larger loss.
| Vehicle 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 Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
What is the best car insurance company in Arizona?
Ending up with a highly-rated insurance provider can be difficult considering how many companies there are to choose from in Arizona. The information displayed below can help you decide which car insurance companies to look at comparing rate quotes with.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
More quotes mean more car insurance savings
As you quote Mesa car insurance, don’t be tempted to buy less coverage just to save a little money. In many cases, consumers will sacrifice physical damage coverage to discover at claim time that saving that couple of dollars actually costed them tens of thousands. The aim is to buy the best coverage you can find for the lowest cost, but do not skimp to save money.
There are still a few companies who don’t offer the ability to get a quote online and these small insurance companies sell through independent agents. Cheaper Nissan Juke insurance in Mesa is available online as well as from insurance agents, and you should compare rates from both to have the best chance of lowering rates.
Steps to buying cheaper Nissan Juke insurance in Mesa
The most effective way to get cheaper Nissan Juke insurance is to regularly compare price quotes from different companies who sell auto insurance in Mesa.
First, get a basic knowledge of how insurance works and the steps you can take to prevent expensive coverage. Many risk factors that cause high rates like getting speeding tickets and a negative credit score can be amended by making small lifestyle or driving habit changes.
Second, request price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can give quotes from one company like GEICO or State Farm, while independent agencies can provide prices for many different companies.
Third, compare the new quotes to your current policy premium to see if a cheaper price is available. If you can save some money and switch companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
Fourth, provide notification to your current company of your decision to cancel your current car insurance policy and submit a down payment along with a signed application for your new coverage. Once the application is submitted, safely store the proof of insurance paperwork along with your vehicle registration.
One bit of advice is to try to use the same coverage limits and deductibles on each quote and to quote with as many companies as you can. This ensures a fair rate comparison and and a good selection of different prices.
Additional information can be found at these links:
- What is Covered by GAP Insurance? (Allstate)
- What Car Insurance is Cheapest for Single Moms in Mesa? (FAQ)
- Who Has Affordable Mesa Auto Insurance for a Learners Permit? (FAQ)
- Who Has the Cheapest Car Insurance Rates for Teenage Males in Mesa? (FAQ)
- Think You’re a Safe Driver? (State Farm)
- How Much Auto Coverage do I Need? (Insurance Information Institute)
- Side airbags reduce rollover fatalities (Insurance Institute for Highway Safety)
- Understanding Car Crashes Video (iihs.org)