Nissan Rogue Drivers Get the Lowest Auto Insurance Rates

I can’t think of a single person who enjoys paying for auto insurance, especially knowing they are paying too much. Companies like GEICO, 21st Century and Progressive continually bombard you with ads and consumers find it hard to see past the corporate glitz and find the best price available.

It’s smart to take a look at other company’s rates yearly because rates go up and down regularly. Even if you think you had the lowest rates for Rogue coverage two years ago a different company probably has better rates today. Forget all the misinformation about auto insurance because you’re about to find out the tricks you need to know to reduce your cost while improving coverage.

If you are insured now or are looking for a new policy, you will benefit by learning to find the best rates and still get good coverage. Finding the best rates is not rocket science. Vehicle owners just need to learn the proper way to buy auto insurance over the internet.

Factors influencing Nissan Rogue insurance rates

It’s important that you understand some of the elements that go into determining the price you pay for auto insurance. Understanding what influences your rates allows you to make educated decisions that will entitle you to better auto insurance rates.

Listed below are some of the factors companies use to determine prices.

Your auto insurance rates can be influenced by your job – Did you know your occupation can influence how much you pay for auto insurance? Jobs such as doctors, social workers and financial analysts tend to pay higher average rates because of high stress levels and long work days. Conversely, professions such as farmers, engineers and homemakers have the lowest average rates for Rogue coverage.
Your car’s features help determine rates – Driving a car with a theft deterrent system can help bring down rates. Anti-theft devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder your car from being stolen.
Sex matters – The statistics show women are more cautious behind the wheel. Now that doesn’t mean women are better drivers. They both tend to get into accidents in similar percentages, but the males tend to have more serious accidents. They also have more aggressive citations like reckless driving and DUI.
Add-on coverages can add up – There are a lot of extra bells and whistles that you can get tricked into buying on your auto insurance policy. Coverages like roadside assistance, accidental death and motor club memberships are some examples. These may sound like a good investment at first, but if you don’t need them get rid of them and save.
Claim-free discounts can add up – If you tend to file frequent claims, you can expect either higher rates or even cancellation. Companies provide lower rates to insureds who do not rely on their insurance for small claims. Car insurance is intended for the bigger claims that can’t be paid out-of-pocket.
Allowing your policy to lapse raises rates – Having an insurance coverage lapse will be a sure-fire way to trigger a rate increase. Not only will you pay more, getting caught without coverage might get you a license revocation or jail time.You may then be required to submit proof of financial responsibility or a SR-22 with your state department of motor vehicles.
Higher safety ratings means cheaper insurance – Vehicles with good safety scores can get you lower premiums. Safe vehicles reduce injuries and any reduction in injury severity means less money paid by your insurance company and lower rates for you. If your Nissan Rogue is rated at least four stars on Safercar.gov you are probably receiving a discount.
Lower miles equals lower premium – The more you drive in a year’s time the higher your rate. The majority of insurers rate vehicles based on their usage. Cars that are left in the garage get more affordable rates as compared to vehicles used primarily for driving to work. Verify your auto insurance policy properly reflects the correct driver usage. If your policy improperly rates your Rogue can cost quite a bit.

Vehicle Insurance Comparison

All the larger auto insurance companies like State Farm, GEICO and Progressive allow you to get insurance quotes directly from their websites. Getting online rates is pretty easy as you simply type in your required coverages as requested by the quote form. Once you submit the form, their system gets credit information and your driving record and quotes a price based on these factors. Online price quotes makes comparing rates easy, but having to visit multiple sites and complete many quote forms can be a bit repetitive. But it’s absolutely necessary to do this in order to get the best price possible.

The quickest way to compare rates utilizes a single form that gets prices from many companies. This type of form saves time, eliminates form submissions, and makes rate comparisons much simpler. Immediately after you send the form, it is rated with multiple companies and you can pick any of the resulting price quotes. If one or more price quotes are lower than your current rates, you can click and sign and buy the new coverage. It takes less than 15 minutes and you will know how your current rates stack up.

To fill out one form to compare multiple rates now, click here to open in a new tab and submit your coverage information. To compare your current rates, we recommend you type in exactly as they are listed on your policy. Using the same limits helps guarantee you are getting a rate comparison for the exact same coverage. car insurance

Discounts are available to cut your rates

Companies do not list all their discounts very clearly, so here is a list some of the more common and the harder-to-find savings tricks you should be using. If you’re not getting every credit you qualify for, you’re just leaving money on the table.

Use Seat Belts – Buckling up and requiring all passengers to buckle their seat belts could cut 10% or more off your medical payments premium.
Good Student Discount – This discount can earn a discount of 20% or more. The good student discount can last up to age 25.
Air Bag Discount – Factory air bags or motorized seat belts may earn rate discounts of up to 25% or more.
Student in College – Any of your kids who live away from home and do not have a car may be able to be covered for less.
Service Members Pay Less – Having a deployed family member could be rewarded with lower premiums.
Defensive Driving Course – Successfully completing a driver safety course can save you 5% or more and easily recoup the cost of the course.
Anti-lock Brake Discount – Anti-lock brake equipped vehicles can avoid accidents and earn discounts up to 10%.
Sign Early and Save – Some companies give discounts for buying a policy before your current policy expires. It can save you around 10%.
Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class if it’s offered in school.

A little note about advertised discounts, some of the credits will not apply to the overall cost of the policy. A few only apply to specific coverage prices like liability and collision coverage. So even though they make it sound like you can get free auto insurance, you won’t be that lucky.

But I want to work with a local agent

Some people would prefer to sit down with an agent. Professional agents can point out coverage gaps and help you file claims. The biggest benefit of getting online price quotes is that you can obtain the lowest rates and still choose a local agent.

After filling out this form (opens in new window), your information is instantly submitted to local insurance agents who will return price quotes for your insurance coverage. You never need to leave your house as quotes are delivered to your email. How’s that for easy!

Deciding on an insurer shouldn’t rely on just a cheap price. Agents should be asked these questions:

Do clients work directly with the agent or are most inquiries handled by a CSR?
Do they receive special compensation for putting your coverage with one company over another?
What is the agency’s Better Business Bureau rating?
What insurance companies do they work with?
Who are their largest clients?
Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
How often do they review policy coverages?
Will their companies depreciate repairs to your car based on the mileage?

What types of car insurance agents are there?

When researching a reliable agent, you need to know there are two different types of agents that you can select. Insurance agencies are either independent or captive. Both types can write coverage properly, but it’s worth mentioning how they differ because it can impact the selection process.

Captive Insurance Agents

Captive agencies have only one company to place business with and examples are State Farm or Allstate. They usually cannot place coverage with different providers so keep that in mind. They are usually quite knowledgeable in insurance sales which helps them compete with independent agents.

Independent Insurance Agents

These agents are not employed by any specific company so they can insure your vehicles with any number of different companies depending on which coverage is best. To move your coverage to a new company, the agent simply finds a different carrier and you won’t have to switch agencies. When shopping rates, we recommend you get quotes from at least one independent agent to ensure the widest selection of prices.

For a full directory of agents, click here.

Once you have received good answers to all your questions and locked in a price quote, most likely you have located an insurance agent that can insure your vehicles.

In Summary

You just read many tips how you can save on Nissan Rogue insurance. The key concept to understand is the more providers you compare, the better likelihood of reducing your rate. You may even find the best prices are with a lesser-known regional company. These smaller insurers often have lower prices on specific markets than the large multi-state companies such as Progressive and GEICO.

Cost effective Nissan Rogue insurance is available both online and also from your neighborhood agents, so you should compare both to have the best chance of lowering rates. There are still a few companies who may not provide the ability to get a quote online and most of the time these small, regional companies sell through independent agents.