Who Has Cheap Insurance for a Nissan Rogue in Colorado?

The odds of finding the best cheap auto insurance for a Nissan Rogue in Colorado hinges on a complex rating formula that takes into consideration things such as whether or not you own a home, the size of your vehicle, and driving citations. Colorado drivers pay around $790 annually to insure a Rogue, but that price is a projection based on rate data for a 40-year-old married male who needs both comprehensive and collision coverage and $1,000 policy deductibles.

There’s a high likelihood you’re not a 40-year-old male, you might be single instead of married, and there is a good chance that there are other drivers on your policy. Just a minor difference in the factors used in pricing a policy can lead to a significant difference in policy price.

Not everyone needs the same coverages, so the only way to find the cheapest insurance price for your Nissan is to do a thorough rate comparison. Get your free quotes now and you can get prices from the best auto insurance companies available.

Insure Your Nissan for Less

The trim level of your vehicle will have an impact the coverage cost, so the cost to insure a Rogue S 2WD trim level will be $48 less expensive the cost to insure the high end Rogue SL AWD trim level, as demonstrated by the prices below.

Above prices assume married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Colorado minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Prices do not factor in specific location which can affect coverage prices considerably.

Buying reasonably-priced insurance is tough enough, and deciding which insurers offer the best car insurance rates for a Nissan Rogue requires even more perseverance. Every insurance company uses their own calculation to set premium rates, so let’s take a look at the car insurance companies with the most affordable rates in Colorado.

It’s important to understand that Colorado car insurance rates are influenced by many factors that control the cost of a policy. That is why it is important to shop around with many companies when trying to get the most economical auto insurance rates for a Nissan Rogue. Auto insurance prices are calculated by many things and change dramatically, so the most economical option when you bought your policy may now be one of the more expensive options.

Find Cheaper Auto Insurance for Your Nissan

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The Hartford generally has some of the lowest car insurance rates in Colorado at around $834 per year. Grange, USAA, Nationwide, and GEICO would also be considered some of the cheaper Colorado insurance companies.

In this example, if you currently buy coverage from Nationwide and switched to Grange, you could realize a yearly price reduction of in the vicinity of $143. Customers with GEICO may save as much as $174 a year, and Auto-Owners policyholders might lower prices by $178 a year.

If you want to see how much you could save, click here to begin a quote or quote prices from the following companies.

Bear in mind that those premiums are averages for all drivers and vehicles in Colorado and do not take into consideration a specific rating modification for a Nissan Rogue. So the auto insurance company that can offer you the best rate may not even be included in the above list. That is why you need to get auto insurance quotes using your own personalized driver profile and vehicle information.

Get discount Colorado insurance

Insurance companies that sell cheap insurance for a Nissan Rogue in Colorado could also offer rate discounts that may potentially lower prices by 40% or more if you are eligible to receive them. A few popular companies and some of the discounts are detailed below.

• Farm Bureau offers premium reductions for renewal discount, safe driver, good student, driver training, multi-vehicle, and multi-policy.
• MetLife may include discounts for accident-free, good driver, multi-policy, good student, and claim-free.
• Progressive may offer discounts for homeowner, multi-policy, online quote discount, online signing, and continuous coverage.
• AAA has discounts for AAA membership discount, multi-policy, good student, good driver, education and occupation, and pay-in-full.
• American Family offers discounts for early bird, air bags, bundled insurance, Steer into Savings, good student, good driver, and defensive driver.
• GEICO includes discounts for seat belt use, membership and employees, daytime running lights, anti-lock brakes, anti-theft, and defensive driver.
• State Farm may have discounts that include multiple autos, driver’s education, Drive Safe & Save, student away at school, anti-theft, safe vehicle, and good driver.

The chart below illustrates the comparison of annual premium costs with and without some available policy discounts. Data assumes a female driver, no claims or driving citations, Colorado state minimum liability limits, comprehensive and collision coverage, and $100 deductibles.

The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with multiple policy, safe-driver, passive restraint, accident-free, defensive driving course, and anti-theft discounts applied. In this example, the the average amount saved on car insurance for a Nissan Rogue is 28% or $664.

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The information below demonstrates how deductibles can impact annual premium costs when searching for cheap insurance for a Nissan Rogue. The data assumes a married female driver, comp and collision included, and no other discounts are factored in.

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As shown above, a 30-year-old driver could save $376 a year by changing from a $100 deductible up to a $500 deductible, or save $566 by using a $1,000 deductible. Youthful drivers, such as the 20-year-old example, could roll back prices up to $802 or more by using higher deductibles when buying full coverage. If you make the decision to raise deductibles, it will be necessary to have additional savings on hand to allow you to pay the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.

Who has the cheapest Nissan Rogue insurance quotes?

There are quite a few ways to comparison shop for car insurance in Colorado, but the most frequently used are through a non-exclusive or independent agent, an exclusive insurance agent like State Farm or Auto-Owners, or buying direct from a company like Progressive or Geico. You can use whichever you prefer, but shoppers should understand the differences in how they price policies.

Independent agencies can place your business with multiple companies and can compare rates with all of them. These types of agents are usually affiliated with several companies and can provide multiple price quotes, which can give you a better overall rate comparison. If your agent finds better pricing, it’s easy for the agent to move the policy without you having to go to a different agency.

An exclusive agent is restricted to quoting rates for one company, examples being Allstate or Farmers Insurance agents. They usually cannot provide other companys’ prices, which necessitates shopping around.

The last way is buying direct, which means you do not use the middleman (the agent) and instead buy direct online or over the phone from a company like Esurance or Progressive. Shopping for car insurance direct may be good for people who have little risk and know what coverage limits and deductibles they need.

Which way works best for finding cheap insurance for a Nissan Rogue in Colorado? The quick answer would be buying direct results in the best prices because you bypass the middleman, but that generally is not the case. We’d also like to say an independent agent is the best way to save since they can provide multiple quotes, but that assumption is not true either. For the right applicant, exclusive agencies have really good rates that are the cheapest.

Since car insurance rates vary so much, really the best method to ensure you are not overpaying is to compare, compare, and compare some more. Make the effort to get price quotes all three ways to have the best selection of rates to choose from. For a list of companies with cheap rates in Colorado, click here to view.

How to find cheap insurance for a Nissan Rogue in Colorado

The list below shows some penny-pinching suggestions that can help you locate cheaper car insurance.

• Avoid accidents
• Raise your deductibles
• Serious violations like DUI or reckless driving can increase rates dramatically
• Good credit scores may make rates cheaper
• If possible, do not file small claims
• Save money by insuring your home and auto with the same company
• Compare quotes from other companies often

The last suggestion is remarkably crucial, as we noted in this write-up. Car insurance prices adjust frequently, so don’t be hesitant to switch carriers if you can find a cheaper rate. Brand loyalty is great, but it isn’t a good idea if that loyalty results in overpaying money that could be used for better things. It only take a few minutes to compare rates and find cheaper auto insurance for a Nissan Rogue.

Geico, Allstate, Progressive, and State Farm: Who is best?

If you are shopping around for insurance for a Rogue in Colorado, four of the larger companies to compare rates for are Geico, Allstate, Progressive, and State Farm. If you add them together, they insure nearly half of all auto insurance written. Each one has a slightly different set of options and discounts that may influence which company you choose. The following table compares pricing and service ratings, plus some optional coverages that are available for policyholders.