Who Has the Cheapest Insurance Quotes for a Nissan Rogue in Nevada?

The chances of buying cheap insurance for a Nissan Rogue in Nevada hinges on dozens of factors such as your birth date, if you are currently insured, and driving violations and tickets. Drivers on average pay approximately $850 each year for Rogue insurance, but that figure is an estimate that uses a 50-year-old married female driver that included full comprehensive and collision coverage and $100 physical damage deductibles.

If we were betting, you are not 50 years old and maybe not even female, you might be single instead of married, or possibly you just want cheap liability coverage. Making minor changes in rating variables could end up in a significant change in the price of a policy.

Each driver has unique rating factors, so the best way to find affordable rates for your Nissan is to put in the effort and compare rates. Quotes are free and easy and you will be able to see rates from some of the most affordable companies in Nevada.

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Your vehicle’s trim level will most likely have an effect on the insurance rate, so the rate you pay to insure a Rogue S 2WD will cost $70 less than the price to insure the higher-priced Rogue SL AWD version, as shown by the rates below.

Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Nevada minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Rate information does not factor in vehicle location which can lower or raise rates noticeably.

Finding reliable, low-priced car insurance is tough enough, and deciding which company quotes the cheapest car insurance rates for a Nissan Rogue calls for additional perseverance.

Each company uses slightly different criteria for determining rates in each state, so let’s take a look at the car insurance companies with the overall cheapest rates in Nevada. It’s important that you understand Nevada car insurance rates are determined by lots of factors that may substantially change the policy price. Events like a birthday, buying a different home, or getting a few speeding tickets may prompt premium changes that may make certain companies affordable when they were higher priced.

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Allied may have some of the cheapest car insurance rates in Nevada at around $921 per year. Travelers, Capital, Oregon Mutual, and Progressive would also be considered some of the best Nevada insurance companies.

In the above example, if you are a policyholder with Oregon Mutual and switched to Travelers, you could earn annual savings of in the neighborhood of $217. Drivers with Progressive might save as much as $272 a year, and American Family insureds might realize rate reductions of up to $300 a year.

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

Remember that these estimates are averaged across all drivers and vehicles in Nevada and do not take into consideration a specific rate value for a Nissan Rogue. So the car insurance company that can offer you the best rate may not even be in the list of companies above. That helps illustrate why you need to get quotes using your own personalized driver profile and vehicle information.

Responsible drivers pay cheaper Nevada car insurance rates

One of the best ways to get the cheapest car insurance rates in Nevada for a Rogue is to drive carefully and avoid accidents and traffic citations. The diagram below shows how traffic citations and at-fault accidents can raise auto insurance costs for different categories of driver ages. The rates are based on a single female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are taken into consideration.

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In the chart above, the average cost of car insurance in Nevada per year with no violations or accidents is $2,243. Get one speeding ticket and the average cost jumps to $2,541, an increase of $298 each year. Now get two accidents along with the one speeding ticket and the yearly cost of car insurance for a Nissan Rogue jumps again to an average of $5,073. That’s an increase of $2,831, or $236 per month, just for not driving attentively!

Cheapest car insurance: Progressive, State Farm, Geico, or Allstate

When it comes to insurance for a Rogue in Nevada, some of the largest companies to start with are Progressive, State Farm, Geico, and Allstate. All of them offer liability and physical damage protection, but each on has a slightly different set of options and discounts that shoppers can select from. The following table rates ratings for price, service, and claims, in additional to some of the optional coverages .

Cheapest Nissan Rogue insurance quotes

You have a lot of ways to comparison shop for car insurance in Nevada, but the most frequently used are through an exlusive agent such as Allstate or Liberty Mutual, a non-exclusive or independent agent, or direct from companies such as Progressive or Geico. All three ways are similar, but it’s important to point out the distinctions in how they provide price quotes.

Independent agencies have contracts with multiple insurance companies and can quote your policy with every one. They are not restricted to one company and can give you more rates, which can help you get a better chance of finding cheaper coverage. If you want to switch companies, your policy can be moved which requires no work on your part.

An exlusive, or captive, agency is restricted to quoting rates for one insurance company like a State Farm or Liberty Mutual agent. They generally cannot provide prices from multiple companies, so it’s a take it or leave it situation.

Buying from a direct company means skip local insurance agents and instead buy buying direct from a company like Geico or Esurance. Buying car insurance direct can be good for consumers who do not have a need for a risk management assessment and have a decent understanding of what coverage options they need.

So comparing independent agents, exclusive agents, and direct, which one works best for finding the cheapest insurance for a Nissan Rogue in Nevada? Most people assume that buying from a direct company results in the cheapest rates because there is no agent taking a commission, but unfortunately, that is not the case. A valid argument could also be made that buying car insurance from an independent agent results in the best rates due to having more companies to select from, but again, that’s not accurate. For the right applicant, exclusive agencies have coverage prices that are impossible to beat.

Because there are so many factors that make up car insurance rates, the best method to make sure you’re not overpaying for car insurance is to compare, compare, and compare some more. The best approach is to get prices from all three types in order to have the best selection to choose from. A great place to start is our list of online companies offering discounts: click here to view.