How long have you put off shopping around for low-cost Nissan Juke insurance in Greensboro? Locating low-cost insurance for a Nissan Juke in North Carolina could be an all-consuming task, but you can follow our insurance buying tips and make it easy.
There is a right way and a wrong way to compare insurance rates so you’re going to learn the best way to compare rates for your Nissan and obtain the cheapest rates.
It’s a good idea to quote other rates occasionally because insurance prices change quite often. Even if you think you had the best deal on Nissan Juke insurance in Greensboro two years ago a different company probably has better premium rates today. Forget anything you know (or think you know) about insurance because we’re going to demonstrate the proper way to lower your rates without sacrificing coverage.
If you have a policy now or just want to reduce your rates, you can use these tips to reduce premiums without reducing coverage. Quoting and comparing the cheapest auto insurance policy in Greensboro is not as hard as you think. Smart buyers only need an understanding of the most efficient way to compare company rates online.
Greensboro insurance discounts for a Nissan Juke
Some insurers don’t necessarily list the entire discount list in a way that’s easy to find, so here is a list a few of the more well known and also the more inconspicuous discounts that may be available.
- Discount for New Cars – Putting insurance on a new Juke may earn a small discount because newer models have to meet stringent safety requirements.
- Waiver for an Accident – This one isn’t a discount, but companies like Progressive, Allstate, and Liberty Mutual may permit one accident before your rates go up as long as you don’t have any claims before the accident.
- Sign Online – Many insurance companies will give a small break for buying a policy and signing up on the web.
- Theft Prevention Discount – Cars that have factory anti-theft systems are stolen with less frequency and that can save you a little bit as well.
- Defensive Driver Discounts – Completing a course teaching driver safety skills could possibly earn you a 5% discount if you qualify.
It’s important to understand that most credits do not apply to all coverage premiums. A few only apply to the cost of specific coverages such as comp or med pay. Just because it seems like all those discounts means the company will pay you, that’s just not realistic. But all discounts will definitely reduce the amount you pay for coverage.
To see a list of insurers with discount rates in Greensboro, click here to view.
The companies shown below are our best choices to provide quotes in Greensboro, NC. To locate the best car insurance in North Carolina, we suggest you visit several of them to get a more complete price comparison.
Situations that may require an agent’s advice
When selecting coverage for your vehicles, there really is no one size fits all plan. Your needs are not the same as everyone else’s.
Here are some questions about coverages that can help discover if your situation might need an agent’s assistance.
- What is the ISO rating for a Nissan Juke?
- Does my policy pay for OEM or aftermarket parts?
- Am I covered if I hit someone who is not insured?
- When can I cancel my policy?
- What are the best liability limits?
- Is a fancy paint job covered?
- Can my babysitter drive my car?
- Does my medical payments coverage pay my health insurance deductible?
- How can I force my company to pay a claim?
If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed agent. To find an agent in your area, simply complete this short form. It only takes a few minutes and you can get the answers you need.
Insurance agent or online?
Some people would prefer to talk to a local agent and that is a smart decision Agents are very good at helping people manage risk and give you someone to call. One of the best bonuses of getting free rate quotes online is you can get the lowest rates and still buy from a local agent. And providing support for neighborhood agents is important especially in Greensboro.
Upon completion of this quick form, the coverage information is sent to companies in Greensboro who will give you quotes to get your business. It makes it easy because there is no need to leave your computer because prices are sent instantly to you. If you need to compare rates from a specific auto insurance provider, you can always visit that company’s website and complete a quote there.
If you are searching for a reliable insurance agency, you should know the types of agencies and how they can quote your rates. Greensboro agents are categorized either independent or exclusive depending on the company they work for. Both do a good job, but it is important to understand the subtle differences because it may have an impact on the type of agent you choose.
Independent Auto Insurance Agencies
Independent agencies can quote rates with many companies so they have the ability to put coverage through lots of different companies and help determine which has the cheapest rates. If prices rise, your policy is moved internally and you don’t have to find a new agent. When shopping rates, we recommend you contact independent agents to have the most options to choose from. Many write coverage with smaller regional carriers that may have much lower rates than larger companies.
The following is a small list of independent agents in Greensboro that may be able to give free auto insurance rate quotes.
- Hix Insurance Center
924 E Bessemer Ave – Greensboro, NC 27405 – (336) 272-7168 – View Map
- Nationwide Insurance: O Hanlon Insurance and Financial Services
5411D W Friendly Ave d – Greensboro, NC 27410 – (336) 288-1208 – View Map
- Nationwide Insurance: Haywood Insurance Agency Inc
2211 W Meadowview Rd Ste 110 – Greensboro, NC 27407 – (336) 855-1234 – View Map
Exclusive Auto Insurance Agencies
Exclusive agencies work for only one company such as American Family, State Farm, and AAA. Exclusive agencies are unable to provide other company’s prices so you need to shop around if the rates are high. Exclusive agents are usually quite knowledgeable on their company’s products which helps overcome the inability to quote other rates. Consumers often use the same exclusive agent primarily because of high brand loyalty rather than having the cheapest rates.
The following are Greensboro exclusive agencies that are able to give rate quotes.
- John Klopp – State Farm Insurance Agent
401 Battleground Ave – Greensboro, NC 27401 – (336) 268-9000 – View Map
- Pam White – State Farm Insurance Agent
2608 Oakcrest Ave – Greensboro, NC 27408 – (336) 282-1111 – View Map
- Jim Young – State Farm Insurance Agent
1308 Wendover Ave E – Greensboro, NC 27405 – (336) 379-1040 – View Map
Choosing the best car insurance agent is decision based upon more than just the price. The answers to these questions are important, too.
- Do they review policy coverages at every renewal?
- If you raise deductibles, how much can you save?
- Does the agent recommend any additional coverage?
- How many years have they been established?
- Is the agency involved in supporting local community causes?
- Is there any savings for paying the full premium?
- What is the financial rating for the quoted company?
Why you need Juke insurance in North Carolina
Despite the potentially high cost of Nissan Juke insurance, paying for auto insurance may be mandatory for several reasons.
First, just about all states have mandatory liability insurance requirements which means the state requires a minimum amount of liability insurance coverage if you drive a vehicle. In North Carolina 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 bought your car with a loan, it’s most likely the lender will stipulate that you buy full coverage to protect their interest in the vehicle. If you do not keep the policy in force, the bank may buy a policy for your Nissan at a more expensive rate and force you to reimburse them a much higher amount than you were paying before.
Third, insurance protects both your assets and your Nissan Juke. It also can pay for all forms of medical expenses for not only you but also any passengers injured in an accident. Liability insurance also pays for attorney fees and expenses if anyone sues you for causing an accident. If mother nature or an accident damages your car, comprehensive and collision coverage will pay to restore your vehicle to like-new condition.
The benefits of insuring your car are without a doubt worth the cost, particularly when you have a large claim. According to a survey of 1,000 drivers, the average driver overpays more than $820 a year so you should quote your policy with other companies at least once a year to ensure rates are competitive.
Insurance coverage specifics
Having a good grasp of your policy aids in choosing which coverages you need for your vehicles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.
Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage reimburse you for short-term medical expenses like ambulance fees, rehabilitation expenses, nursing services, EMT expenses and funeral costs. They are often utilized in addition to your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage
Uninsured/Underinsured Motorist (UM/UIM) – This protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.
Because many people carry very low liability coverage limits (30/60/25), their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Normally these limits are set the same as your liability limits.
Liability car insurance – This can cover damage or injury you incur to other people or property. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 30/60/25 that translate to $30,000 in coverage for each person’s injuries, a limit of $60,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.
Liability can pay for things like repair costs for stationary objects, court costs, medical expenses and medical services. How much coverage you buy is a decision to put some thought into, but consider buying higher limits if possible. North Carolina requires minimum liability limits of 30/60/25 but it’s recommended drivers buy higher limits.
The illustration below shows why buying minimum limits may not be adequate coverage.
Comprehensive insurance – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive coverage pays for claims such as theft, damage from a tornado or hurricane, hitting a deer and a tree branch falling on your vehicle. The most your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.
Collision coverage – Collision coverage pays for damage to your Juke resulting from a collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.
Collision can pay for things such as sideswiping another vehicle, colliding with a tree, sustaining damage from a pot hole and rolling your car. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to raise the deductible on your Juke to bring the cost down.
Lower rates by being persistent
When buying insurance coverage, it’s very important that you do not buy poor coverage just to save money. Too many times, an insured dropped liability limits or collision coverage only to find out they didn’t have enough coverage. Your strategy should be to find the BEST coverage at an affordable rate while still protecting your assets.
Some insurance companies may not provide the ability to get quotes online and most of the time these small insurance companies only sell coverage through independent agencies. Discount Nissan Juke insurance can be purchased online as well as from independent agents in Greensboro, and you should compare rates from both to have the best rate selection.
Consumers switch companies for many reasons like questionable increases in premium, policy cancellation, high prices and even high rates after DUI convictions. Whatever your reason, switching companies is actually quite simple.
How to find cheaper Nissan Juke insurance in Greensboro
Truthfully, the best way to find affordable Nissan Juke insurance is to compare quotes annually from companies who sell insurance in Greensboro.
Step 1: Try to learn about how insurance companies determine prices and the factors you can control to lower rates. Many rating factors that increase rates such as traffic citations and a not-so-good credit history can be rectified by making minor driving habit or lifestyle changes.
Step 2: Get rate quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only give rate quotes from one company like Progressive and State Farm, while independent agencies can provide prices for a wide range of companies. Get quotes now
Step 3: Compare the new rate quotes to your existing rates and determine if there is any savings. If you find better rates and switch companies, make sure there is no coverage gap between policies.
Step 4: Notify your agent or company of your intention to cancel your existing policy and submit payment and a signed application for the new policy. Immediately upon receiving it, store the certificate verifying proof of insurance above your visor, in the console, or in the glove compartment.
The most important part of shopping around is to make sure you enter the same level of coverage on each quote request and and to get price estimates from as many auto insurance providers as possible. Doing this ensures a level playing field and many rates to choose from.
Much more information about insurance in North Carolina is available at these links:
- Choosing a Car for Your Teen (State Farm)
- How Much is Car Insurance for 18 Year Olds in Greensboro? (FAQ)
- Who Has the Cheapest Greensboro Car Insurance for Safe Drivers? (FAQ)
- Who Has Cheap Auto Insurance for a Hyundai Sonata in Greensboro? (FAQ)
- Who Has Cheap Auto Insurance for Drivers with Good Credit in Greensboro? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for a Ford Explorer in Greensboro? (FAQ)
- What Insurance is Cheapest for Drivers Under 21 in Greensboro? (FAQ)
- Uninsured Motorist Statistics (Insurance Information Institute)
- Get the Right Protection (InsureUonline.org)