Who Has Cheap Insurance for a Nissan Rogue in Alabama?

When the topic is auto insurance, the word cheap should not appear as a descriptor for auto insurance rates. Be that as it may, cheap car insurance for a Nissan Rogue is not always easy to find. But fear not, because we will tell you how you can find insurance that is easier on your budget.

Your chances of buying cheap auto insurance for a Nissan Rogue in Alabama hinges on a large number of factors like whether you are male or female, your residence address, and if you have a clean driving record. Alabama drivers pay on average $1,040 per year for Rogue insurance, but that policy rate is a projection that uses rate data for a 40-year-old single female with full coverage and $500 deductibles.

This brings up the issue that more than likely you’re not a 40-year-old female, you might be married instead of single, or maybe you have a violation on your driving record. This shows why the best way to quote cheap insurance rates for your Nissan is to shop your policy around at every renewal. Get a free quote now and you can get prices from top-rated companies that insure vehicles in Alabama.

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The trim level of your Nissan will likely have an effect on the insurance rate, so the price to insure a Rogue S 2WD will be $72 cheaper than the price to insure the fancier Rogue SL AWD model, as shown in the chart below.

Data variables include single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Alabama minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Premium amounts do not factor in zip code location which can affect coverage prices noticeably.

Deciding which company has the lowest-priced car insurance rates for a Nissan Rogue calls for a bit more effort in order to find the lowest price. Every car insurance company has a unique formula for setting prices, so we’ll take a look at the car insurance companies with the most affordable rates in Alabama.

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Travelers may offer some of the lowest car insurance rates in Alabama at around $791 per year. Cincinnati Insurance, USAA, GEICO, and Country also rank well as some of the most economical Alabama auto insurance companies.

In this example, if you currently buy coverage from USAA and switched to Travelers, you may realize annual savings of about $140. Insureds with GEICO might save as much as $239 a year, and Country insureds might lower prices by up to $368 a year.

To see how much you can save, click here to begin a quote or click through to the companies below.

Bear in mind that those rates are averaged across all types of insureds and vehicles and and are not calculated with a specific rating modification for a Nissan Rogue. So the insurer that has the lowest price for you may not even be included in the company chart above. That point stresses why you need to quote rates from as many companies as possible using your own driver data and vehicle information.

Do you need full coverage?

Finding cheap insurance for a Nissan Rogue in Alabama should be important to the majority of drivers, and one of the fastest ways to find cheaper insurance is to buy liability only. The information below visualizes the comparison of auto insurance costs with and without physical damage coverage. The premium estimates are based on no claims or violations, $250 deductibles, single status, and no additional discounts are factored in.

If all age groups are averaged, full coverage on your policy costs $2,223 per year more than insuring for liability only. That is a significant amount which raises the question if you should buy full coverage at all. There is no definitive formula to eliminate physical damage coverage, but there is a broad guideline. If the yearly cost of comp and collision coverage is more than about 10% of the settlement you would receive from your company, then you might want to think about dropping full coverage.

For example, let’s assume your vehicle’s replacement cost is $5,500 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $4,500 after paying your deductible. If it’s costing you more than $450 a year for physical damage coverage, then it might be time to buy liability only.

There are a few situations where eliminating full coverage is not a good idea. If you have an outstanding loan on your vehicle, you are required to maintain full coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should not drop full coverage.

The diagram below highlights how deductible choice can affect insurance rates when searching for cheap insurance for a Nissan Rogue. The rates are based on a single female driver, comp and collision included, and no additional discounts are factored in.

As shown above, a 30-year-old driver could cut expenses by $366 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $552 by using a $1,000 deductible. Youthful drivers, such as the 20-year-old example, can save $814 every year by using higher deductibles when buying full coverage. When increasing deductibles, it will be necessary to have enough savings to enable you to cover the extra out-of-pocket expense, which is the one shortcoming of high deductibles.

Which auto insurance company is best?

If you are shopping around for auto insurance, some of the first companies to look at are Allstate, State Farm, Progressive, and Geico. Between them, they make up almost half of all policies written in the United States. The next table illustrates pricing and service ratings, plus some optional coverages that are available for customers.