Who Has Cheap Insurance for a Nissan Rogue in Arkansas?

The odds of finding cheap coverage for a Nissan Rogue in Arkansas hinges on many factors like how you use your vehicle, where your vehicle is garaged, and citations on your driving record. Drivers on average pay approximately $960 per year to insure their Rogue, but that cost is an estimation based on cost data for a 40-year-old married male that wants full coverage including both comprehensive and collision and $250 physical damage deductibles.

It’s highly likely that you are not 40 and maybe not even a male, you might be single instead of married, or maybe you’re a renter instead of a homeowner. Having just a slight change in policy rating criteria or coverages can lead to a significant difference in rates.

Insurance is an individual thing, so the only real way to find the most affordable coverage for your Nissan is to compare as many rates as you can.

Insure Your Nissan for Less

Your vehicle’s trim level impacts the annual cost of coverage, so the cost to insure a Rogue S 2WD model will be $72 less than the insurance cost for the more costly Rogue SL AWD trim level, as shown below.

Table data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Arkansas minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Price estimates do not factor in specific zip code location which can increase or decrease price quotes substantially.

Shopping around for cost effective car insurance is not the easiest thing to accomplish, and figuring out which company quotes the best insurance rates for a Nissan Rogue will require even more perseverance. Each auto insurance company has a different process to determine premium rates, so to begin we’ll rank the insurance companies with the overall best prices in Arkansas.

Best Insurance Companies for Your Nissan

Start Your Free Quote

USAA normally has some of the lowest car insurance rates in Arkansas at around $991 each year. Auto Club, Travelers, Southern Farm Bureau, and State Farm would also be considered some of the best Arkansas insurance companies.

As illustrated above, if you currently buy coverage from State Farm and switched to Auto Club, you might see yearly savings of in the neighborhood of $219. Customers with Columbia Insurance might save as much as $254 a year, and Safeco customers might lower prices by up to $273 a year.

If you would like to find cheap insurance for a Nissan Rogue in Arkansas, click here to start a quote or feel free to get quotes from the companies below.

Understand that those rates are averaged across all drivers and vehicles and and are not figured with a specific rate factor for a Nissan Rogue. So the insurer that is most affordable for your situation may not even be included in the list of companies above. That point stresses why you need to quote rates from many companies using your own specific driver and vehicle information.

Full coverage rates vs. liability-only in Arkansas

Finding cheap insurance for a Nissan Rogue in Arkansas is important to the majority of vehicle owners, and one of the quickest ways to buy cheaper insurance is to not buy full coverage. The chart below shows the comparison of yearly insurance costs with full physical damage coverage compared to only buying liability only. The rates are based on a clean driving record, no claims, $100 deductibles, single status, and no additional discounts are factored in.

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Averaged for all age groups, comprehensive and collision coverage on your policy costs an additional $2,430 per year more than just buying liability insurance. Many drivers will wonder if paying for full coverage is worth it. There is no definitive formula to eliminate comprehensive and collision coverage on your policy, but there is a general school of thought. If the yearly cost for physical damage coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then you might consider buying liability only.

For example, let’s pretend your vehicle’s book value is $9,500 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $8,500 after the deductible is paid. If premium cost is more than $850 annually to have full coverage, then you might want to think about dropping full coverage.

There are some conditions where eliminating full coverage is not financially feasible. If you still owe a portion of the original loan, you are required to maintain full coverage to protect the lienholder’s interest. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should not opt for liability only.

The example below demonstrates how deductible levels can influence insurance premiums when trying to find cheap insurance for a Nissan Rogue. Data assumes a single female driver, full physical damage coverage, and no discounts are factored in.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 3649,3351,3025,2717],[‘Age 30’, 2507,2293,2049,1817],[‘Age 40’, 2327,2131,1911,1701],[‘Age 50’, 2037,1865,1673,1491],[‘Age 60’, 1967,1801,1615,1439],[‘Age 70’, 2303,2113,1905,1711]]);var options = {title: ‘Impact of Higher Deductibles on Nissan Rogue Insurance Rates in Arkansas’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Nissan Rogue’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

As shown above, a 40-year-old driver could save $364 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $546 by changing to a $1,000 deductible. Youthful drivers, like the Age 20 chart data, could save $932 or even more by selecting a higher deductible. When choosing a higher deductible, it is essential to have spare funds to be able to pay the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.

Find cheap insurance for a Nissan Rogue in Arkansas

It is possible to find better rates, and here are a few penny-pinching solutions that can help Arkansas drivers get low-cost auto insurance.

• Buy a vehicle with excellent safety ratings
• Maintaining good credit helps earn cheaper rates
• Speeding tickets and other violations increase rates
• Higher comprehensive and collision coverage deductibles will save money
• Avoid having at-fault accidents
• Keep rates low by comparing prices once a year

The last tip in the list is extraordinarily significant, as we pointed out in the prior information. Auto insurance prices fluctuate constantly, so don’t be hesitant to switch companies if a better rate can be found.

Having a favorite company is great, but it’s not a good idea if that loyalty results in overpaying hundreds of dollars year after year. It takes less than five minutes to compare prices and find cheaper car insurance for a Nissan Rogue.

Which auto insurance company is best?

When comparing insurance for a Rogue, four good companies to start with are State Farm, Allstate, Geico, and Progressive. All of them offer physical damage and liability coverage, but each has unique options and discounts that drivers can select from. The table below compares price, claims, and customer service ratings, as well as some optional coverages that are available for buyers.