If you want to find the absolute lowest rates, then the best way to get the cheapest Nissan Juke insurance is to make a habit of comparing prices annually from providers who can sell car insurance in Kansas City. You can compare prices by completing these steps.
- First, take a few minutes and learn about coverages and the measures you can take to prevent high rates. Many risk factors that result in higher prices like inattentive driving and poor credit rating can be rectified by making minor driving habit or lifestyle changes.
- Second, obtain price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can only give prices from a single company like Progressive or Allstate, while agents who are independent can provide rate quotes for many different companies.
- Third, compare the new rates to your current policy and determine if there is any savings. If you can save money and decide to switch, make sure there is no coverage gap between policies.
One piece of advice is to compare the same physical damage deductibles and liability limits on every quote and and to get rates from as many different insurance providers as possible. This enables a level playing field and a complete rate analysis.
A recent auto insurance study discovered that a large majority of auto insurance policyholders have bought auto insurance from the same company for more than four years, and roughly 40% of drivers have never compared rates to find cheaper insurance. The average driver in Missouri could save almost 25% every year by just comparing rate quotes, but they don’t believe how much they could save if they switched.
Best companies for Nissan Juke insurance
The companies shown below provide comparison quotes in Missouri. To locate cheap car insurance in Kansas City, MO, it’s highly recommended you click on several of them to get the best price comparison.
Lower rate quotes on Nissan Juke insurance in Kansas City with these auto insurance discounts
Auto insurance can be pricey, but there’s a good chance there are discounts that you may not know about. Some discounts will apply at quote time, but lesser-known reductions have to be inquired about before you will receive the discount.
- Low Mileage Discounts – Driving less could earn better rates on cars that stay parked.
- Discount for Good Grades – A discount for being a good student can be rewarded with saving of up to 25%. The good student discount can last up to age 25.
- Passive Restraints and Air Bags – Vehicles equipped with air bags may qualify for discounts of 20 to 30 percent.
- Pay Now and Pay Less – By making one initial payment instead of making monthly payments you may have a lower total premium amount.
- Switch and Save Discount – A few larger companies give discounts for signing up early. It could save around 10% when you buy Kansas City auto insurance online.
- Accident-Free Discounts – Insureds who avoid accidents and claims pay much less compared to drivers with a long claim history.
You can save money using discounts, but many deductions do not apply to the whole policy. Most only apply to individual premiums such as collision or personal injury protection. If you do the math and it seems like having all the discounts means you get insurance for free, you aren’t that lucky.
The best auto insurance companies and some of the discounts are shown below.
- Mercury Insurance discounts include type of vehicle, location of vehicle, annual mileage, good student, ease of repair, and good driver.
- Farmers Insurance may include discounts for early shopping, homeowner, pay in full, business and professional, and electronic funds transfer.
- Farm Bureau may have discounts that include good student, renewal discount, multi-vehicle, youthful driver, multi-policy, 55 and retired, and driver training.
- State Farm has discounts for defensive driving training, passive restraint, multiple autos, good driver, Drive Safe & Save, and good student.
- Allstate includes discounts for multi-policy, economy car, good payer, farm vehicle, early signing, resident student, and EZ pay plan discount.
- GEICO offers discounts including daytime running lights, seat belt use, federal employee, five-year accident-free, anti-theft, and multi-vehicle.
When getting free Kansas City auto insurance quotes, it’s a good idea to all companies you are considering which discounts can lower your rates. Some of the discounts discussed earlier might not be offered on policies everywhere.
How You Can Control Nissan Juke Insurance Rates
Part of the car insurance buying process is learning some of the elements that are used to determine the price you pay for car insurance. When you know what positively or negatively controls the rates you pay, this allows you to make good choices that may result in better car insurance rates. Many different elements are used when you get a price on insurance. A few of the factors are predictable such as your driving record, although some other factors are less obvious such as whether you are married and annual miles driven.
The itemized list below are a few of the things used by insurance companies to determine premiums.
How much liability protection – Your car insurance policy’s liability coverage is the coverage that protects you when you are responsible for damages caused by your negligence. Liability provides for a legal defense which can cost a lot. Liability insurance is pretty cheap when compared to the cost of physical damage coverage, so drivers should buy more than the minimum limits required by law.
Gender and insurance prices – The statistics show that females tend to be a little less risky than males. That doesn’t necessarily mean that women are BETTER drivers than men. Both sexes get in at-fault accidents at about the same rate, but the male of the species have costlier accidents. Not only are claims higher, but men get ticketed for serious violations like DUI and reckless driving. Teenage male drivers are the most expensive to insure and therefore have the most expensive car insurance rates.
Rates can drop if you have more than one policy – Lots of insurance companies give a discount to insureds who buy several policies from them in the form of a multi-policy discount. Discounts can be ten or even up to twenty percent in some cases. If you currently are using one company, drivers will still want to get quotes from other companies to make sure you are getting the best deal.There is a chance you can find better rates by buying car insurance from a different company.
Poor driving means higher premiums – Drivers who don’t get tickets get better prices than bad drivers. Just one citation can bump up the cost twenty percent or more. Drivers with flagrant violations like DUI or reckless driving are required to file a SR-22 with their state DMV in order to keep their license.
Insurance losses for a Nissan Juke – Car insurance companies analyze claim trends for every vehicle when they file their rates in each state. Vehicles that are shown to have higher number or severity of losses will have a higher premium rate.
The table below shows the insurance loss data used by companies for Nissan Juke vehicles. For each coverage type, the statistical loss for all vehicles averaged together is represented as 100. Values that are below 100 mean the vehicle has better than average losses, while numbers above 100 show a trend for more claims or a tendency for claims to be larger.
| 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: Insurance Institute for Highway Safety for 2013-2015 Model Years
Do I just need basic coverages?
Always remember that when buying insurance from an agent or online for your personal vehicles, there really isn’t a cookie cutter policy. Your needs are not the same as everyone else’s so your insurance needs to address that.
For example, these questions may help you determine if your situation might need an agent’s assistance.
- Will my rates increase for filing one claim?
- Are split liability limits better than a combined single limit?
- What is the rate difference between pleasure use and commuting?
- What is the premium to book value ratio for dropping full coverage?
- How do I buy GAP insurance?
- Does my car insurance cover rental cars?
- Do I benefit by insuring my home with the same company?
- When should I not file a claim?
- Am I covered if I hit my neighbor’s mailbox?
- Does my medical payments coverage pay my health insurance deductible?
If you can’t answer these questions then you might want to talk to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.
When to contact an insurance agent
Certain consumers still prefer to buy from a licensed agent and that is a smart decision Licensed agents are highly skilled in risk management and give you someone to call. One of the best bonuses of comparing insurance prices online is you may find cheap auto insurance rates and still have a local agent. Buying insurance from local agencies is definitely important in Kansas City.
To help locate an agent, after submitting this form (opens in new window), your information is transmitted to local insurance agents in Kansas City who will give you bids to get your business. It simplifies rate comparisons since you won’t have to drive around because prices are sent to the email address you provide. If you want to compare rates from a specific auto insurance provider, feel free to search and find their rate quote page and fill out the quote form the provide.
Pick the best car insurance agent in Kansas City for you
When looking for a good insurance agency, it’s helpful to know the different types of agencies from which to choose. Agents in Kansas City may be either independent or exclusive depending on the company they work for. Both types can sell auto insurance policies, but it’s important to know the difference in the companies they write for since it can affect which agent you choose.
Independent Auto Insurance Agents
These type of agents are normally appointed by many insurers and that allows them to write policies with lots of companies enabling the ability to shop coverage around. If they find a lower price, your agent can switch companies and you don’t have to switch agencies.
When shopping rates, we recommend you get rate quotes from several independent insurance agents for maximum quote selection.
Listed below is a list of independent insurance agents in Kansas City who can help you get free rate quotes.
Beverly Baker Insurance Agency Inc.
8708 N Oak Trafficway – Kansas City, MO 64155 – (816) 452-8600 – View Map
ABBA Insurance, LLC
315 E 18th Ave – Kansas City, MO 64116 – (816) 454-8833 – View Map
Abbott Insurance Inc.
8117 N Oak Trafficway – Kansas City, MO 64118 – (816) 452-8810 – View Map
Exclusive Insurance Agencies
Exclusive agencies can only write with one company such as State Farm, Allstate and AAA. These agents are unable to provide other company’s prices so they are skilled at selling on more than just price. Exclusive agents are very knowledgeable on the products they sell which helps them sell insurance even at higher premiums.
Below are exclusive agents in Kansas City who can help you get comparison quotes.
American Family Insurance – Dewey Osborn
6405 N Oak Trafficway – Kansas City, MO 64118 – (816) 436-7300 – View Map
Allstate Insurance: Steve Marshall
7000 NW Prairie View Rd Ste 100 – Kansas City, MO 64151 – (816) 587-5200 – View Map
Shelter Insurance – John Goodwin
11125 Locust St – Kansas City, MO 64131 – (816) 363-5848 – View Map
Finding the right car insurance agent should include more criteria than just the price. These are some questions your agent should answer.
- How long has their agency been in business in Kansas City?
- Is vehicle damage repaired with OEM or aftermarket parts?
- How are claims handled?
- Does the agent have professional designations like CIC, CPCU or AIC?
- Is working in the agency their full-time job?
- How often do they review coverages?
- Is there a 24/7 contact number?
- Do they have any clout with companies to ensure a fair claim settlement?
Quote. Compare. Save.
Cheap Nissan Juke insurance in Kansas City is available from both online companies and from local agencies, so you need to quote Kansas City auto insurance with both to get a complete price analysis. Some insurance companies may not provide price quotes online and most of the time these small insurance companies work with local independent agencies.
As you quote Kansas City auto insurance, make sure you don’t buy lower coverage limits just to save a few bucks. There are too many instances where consumers will sacrifice liability coverage limits and found out when filing a claim that their decision to reduce coverage ended up costing them more. The aim is to get the best coverage possible at the best price, but don’t skip important coverages to save money.
In this article, we presented a lot of information how to find affordable Nissan Juke insurance in Kansas City. It’s most important to understand that the more companies you get premium rates for, the more likely it is that you will get a better rate. Consumers may even find the lowest car insurance rates come from an unexpected company. These companies may often insure only within specific states and give better rates as compared to the big name companies such as Allstate, GEICO and Progressive.
Helpful articles
- Shopping for a Safe Car (Insurance Information Institute)
- Who Has Cheap Kansas City Car Insurance Rates for a Chevrolet Malibu? (FAQ)
- Who Has Cheap Auto Insurance for a Nissan Sentra in Kansas City? (FAQ)
- Who Has Affordable Auto Insurance Rates for Infrequent Drivers in Kansas City? (FAQ)
- What Auto Insurance is Cheapest for Good Drivers in Kansas City? (FAQ)
- Who Has Affordable Kansas City Car Insurance Quotes for Young Drivers? (FAQ)
- Winter Driving (Insurance Information Institute)
- Teen Driver Statistics (Insurance Information Institute)
- What to do at the Scene of an Accident (Insurance Information Institute)
- Determining Your Vehicle’s Value and Repair Cost (Insurance Information Institute)