Best Cheap Insurance for a Nissan Rogue in North Carolina

Your ability to find the cheapest coverage for a Nissan Rogue in North Carolina is dependent upon a complex equation that considers factors such as if you have purchased a home, whether you are claim-free, and your motor vehicle report. Drivers in North Carolina pay approximately $570 every 12 months to insure a Rogue, but that figure is an approximation using rating data for a 30-year-old married female who purchased full coverage and $1,000 physical damage deductibles.

If we were betting, you’re not a 30-year-old female, single instead of married, or maybe your driving record isn’t squeaky clean. What seems to be a small difference in the factors used in pricing a policy could result in a significant change in quoted rates.

Auto insurance is unique to each driver, so the only real way to find cheap car insurance rates for your Nissan is to compare as many rates as you can. Compare rate quotes now and you will receive price comparisons from some of the most affordable companies that offer coverage in North Carolina.

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The trim level of your vehicle has an effect on the cost of insurance, so the cost to insure a Rogue S 2WD will be $36 cheaper than the insurance cost for the fancier Rogue SL AWD version, as shown in the table below.

Table data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Information does not factor in zip code location which can change premium rates noticeably.

Trying to find affordable car insurance is hard enough, and determining which insurers offer the cheapest car insurance rates for a Nissan Rogue takes even more diligence. Every car insurance company has a unique formula to determine premium rates, so let’s begin by taking a look at the most affordable car insurance companies in North Carolina.

We do need to point out that North Carolina car insurance rates are calculated based on many things which can substantially change the price of your policy. Things like having a birthday, moving across town, or getting a few speeding tickets may cause policy rate changes that may make certain companies much higher than others.

Best Cheap Insurance Rates for Your Nissan

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Progressive generally has some of the cheapest car insurance rates in North Carolina at around $651 each year. Utica National, Liberty Mutual, NC Farm Bureau, and GEICO would also make the list of some of the most economical North Carolina auto insurance companies.

In the above rates, if you currently have a policy with NC Farm Bureau and switched to Utica National, you could see annual savings of around $47. North Carolina drivers with GEICO might save as much as $58 a year, and Titan customers might realize rate reductions of up to $67 a year.

To get a quick, customized rate comparison, click here or click through to the companies below.

Remember that these policy rates are averaged for all types of drivers and the different vehicles they drive and do not factor in a specific rating modification for a Nissan Rogue. So the auto insurance company that has the lowest price for you may not even be in the chart above. That affirms the importance of why you need to compare prices as often as possible using your own individual information.

Discounts on the best cheap insurance for a Nissan Rogue in North Carolina

<img class="floatright" src="http://www.quoteclickinsure.com/blog/wp-content/uploads/best-car-insurance-nissan-rogue-nc.jpg" alt="Cheaper North Carolina car insurance for a Rogue” />Insurance companies that provide coverage for a Nissan Rogue may have price discounts that could lower prices by 30% or more if you meet specific criteria. A list of companies and their possible discounts include:

The information below shows the comparison of insurance rates with and without discounts applied to the policy rates. The data is based on a male driver, no violations or accidents, North Carolina state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with vehicle safety, claim-free, safe-driver, defensive driving course, marriage, and multiple policy discounts applied. When discounts are applied, the average savings per year on car insurance for a Nissan Rogue is 13% or $410.

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Careless driving habits raise North Carolina car insurance rates

One of the best ways to snag the best cheap insurance for a Nissan Rogue in North Carolina is to drive carefully and avoid accidents and keep your driving record clean. The information below demonstrates how speeding tickets and fender-benders impact insurance premiums for different categories of driver ages. The price estimates are based on a single female driver, full coverage, $250 deductibles, and no discounts are applied to the premium.

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In the example above, the average cost of auto insurance in North Carolina per year with no violations or accidents is $1,567. Get written up for one speeding ticket and the average cost hikes up to $1,775, an increase of $208 each year. Then throw in one accident along with the one speeding ticket and the yearly cost of car insurance for a Nissan Rogue increases to an average of $2,359. That’s an increase of $792, or $66 per month, just for not paying attention while driving!

Find the best cheap insurance for a Nissan Rogue in North Carolina

The list below summarizes many thrifty solutions that can help drivers get cheaper car insurance.

• Drive safely
• Maintain a safe distance and avoid accidents
• Increase your physical damage deductibles
• Full coverage may not be needed on older vehicles
• Higher credit scores can equal lower rates
• Choose a safer vehicle and pay lower rates
• Shop your coverage around for the best deal

The final tip is particularly critical, as we emphasized in the prior article. Coverage rates vary greatly, so don’t be hesitant to switch to a new company if a more affordable price is available. Brand loyalty is great, but we do not recommend it if that faithfulness ends up costing you a fortune every year. Spend a few minutes and compare rates and find cheaper auto insurance for a Nissan Rogue.

Who has the cheapest Nissan Rogue insurance quotes?

You have many ways to comparison shop for car insurance in North Carolina, but the most common are either through a captive (or exclusive) agency like Allstate or Auto-Owners, an independent insurance agent, or from a direct company like Progressive or Geico. They all have the same end result, but it’s good to know the differences in how they function.

Independent insurance agencies work for many companies and can get rate quotes from each one. These agents do not sell for just one brand and can get prices from more than one company, which can give you a better overall rate comparison. If a cheaper price is found, they can switch companies in-house and that require little work on your part.

An exclusive agent is restricted to quoting rates for a single company, two examples being Allstate and Liberty Mutual agents. Exclusive agents cannot provide rates from more than one company, so it’s a good idea to get additional price quotes.

The final way is buying direct, which means you do not use an independent or exclusive agent and instead shop from a direct company like Progressive or Geico. This car insurance option may be the best choice consumers who do not need high amounts of coverage and have an above average understanding of what is covered and what is not.

So which one of the three ways works best to find the best cheap insurance for a Nissan Rogue in North Carolina? Most people would assume that buying from a direct car insurance company saves money since that prevents the need to pay agent commissions, but in reality, that argument does not hold true. A valid argument could also be made that buying car insurance from an independent agent saves the most money because you have more choices, but that assumption is also not accurate. And occasionally, exclusive agencies may have prices that are the lowest in North Carolina.

Because of the variability of car insurance rates, really the best method to ensure the lowest rates is to get quotes and compare. In a perfect world, youll get price quotes from all three in order to have the best selection to choose from. For a list of companies with online discounts, click here to view.