Best Cheap Insurance for a Nissan Rogue in Louisiana

The chances that you’ll find cheaper insurance for a Nissan Rogue in Louisiana relies on many factors like annual vehicle mileage, whether or not you have prior claims, and violations on your driving record. Louisiana drivers pay on average $1,310 annually to insure a Nissan Rogue, but that is using a 50-year-old married male that included both comprehensive and collision coverage and $100 policy deductibles.

It’s highly likely you’re not a 50-year-old male, you might be single instead of married, or maybe you live in a different area as the quoted rates. Auto insurance is unique to every driver, so your best chance at finding cheap insurance rates for your Nissan is to take your time and compare rates from as many companies as possible. To cut your rates now, get a free quote and you will receive prices from the cheapest companies available.

Insure Your Nissan for Less

The specific model of Rogue tends to impact price, so the rate you will pay to insure a Rogue S 2WD will be $110 cheaper than the insurance cost for the higher-priced Rogue SL AWD version, as demonstrated by the prices below.

Data rating is based on married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Louisiana minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, claim-free, and homeowner. Rate quotes do not factor in specific location information which can influence insurance rates significantly.

Deciphering which companies quote the most affordable insurance rates for a Nissan Rogue will require more work in order to find a policy that fits your budget.

Each auto insurer has a unique formula to establish rates, so to begin we’ll rank the insurance companies with the overall cheapest rates in Louisiana. It’s important that you understand Louisiana insurance rates are determined by lots of factors that may substantially change the cost of having a policy. Simply having another birthday, buying a new vehicle, or getting a reckless driving citation may prompt premium changes that may make certain companies more affordable than before.

Lowest Insurance Price Quotes for Your Nissan

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USAA offers some of the cheapest car insurance rates in Louisiana at around $1,578 per year. MetLife, GEICO, Progressive, and Safeway also qualify as some of the cheapest Louisiana insurance companies.

In the above rates, if you are a policyholder with Progressive and switched to USAA, you may see an annual premium reduction of in the vicinity of $408. Insureds with Safeway may save as much as $642 a year, and Southern Farm Bureau customers might cut rates by $670 a year.

It’s important to note that these premiums are averaged across all ages of drivers and types of vehicles and are not factoring in a specific rate factor for a Nissan Rogue. So the car insurance company that fits you best may not even be featured in the above list. That is why you need to get rate quotes from many companies using your own specific driver and vehicle information.

Impact of citations and accidents on Louisiana insurance rates

A great way to maintain low insurance prices in Louisiana for a Rogue is to drive safe and avoid traffic citations and accidents. The diagram below demonstrates how speeding tickets and at-fault collisions influence yearly insurance costs for different age groups. The information is based on a single female driver, full coverage, $250 deductibles, and no policy discounts are applied.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and One Accident’],[‘Age 20’, 4301,5291,6289],[‘Age 30’, 2943,3933,4933],[‘Age 40’, 2741,3729,4725],[‘Age 50’, 2393,3385,4383],[‘Age 60’, 2315,3305,4301],[‘Age 70’, 2715,3703,4699]]);var options = {title: ‘Effect of Tickets and Claims on Louisiana Nissan Rogue Insurance’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Insurance Cost for a Nissan Rogue in Louisiana’,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);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

The data in the chart shows the average cost of an auto insurance policy in Louisiana per year with no accidents and a clean driving record is $2,901. Receive two speeding tickets and the average cost surges to $3,891, an increase of $990 each year. Now throw in one accident along with the two speeding tickets and the annual cost of insurance for a Nissan Rogue goes up to an average of $4,888. That’s an increase of $1,987, or $166 per month, just for being a careless driver!

Discount Louisiana auto insurance

Car insurance companies that offer the best cheap insurance for a Nissan Rogue in Louisiana may also offer discounts that could lower prices by 25% or more if you meet the requirements. Large insurance companies and a summarized list of policyholder discounts are included below.

The example below illustrates the comparison of auto insurance costs with and without discounts applied to the policy premium. The data is based on a male driver, a clean driving record, no at-fault accidents, Louisiana state minimum liability limits, comp and collision included, and $1,000 deductibles.

The first bar for each age group shows the average rate with no discounts. The second shows the rates with accident-free, multiple policy, vehicle safety, anti-theft, claim-free, and homeowner discounts applied. When drivers qualify for the discounts, the the average amount saved on insurance for a Nissan Rogue is 13% or $273.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 20’, 4195,3005],[‘Age 30’, 2209,1591],[‘Age 40’, 2141,1545],[‘Age 50’, 1963,1415],[‘Age 60’, 1907,1371],[‘Age 70’, 2387,1713]]);var options = {title: ‘Effect of Discounts on Insurance Rates for a Nissan Rogue’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9’, ‘#98bee2’],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);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

Who has the cheapest Nissan Rogue insurance quotes?

Consumers have many ways to find affordable insurance in Louisiana, but the most prevalent methods are from an independent or non-exclusive agent, an exclusive agency such as State Farm or Allstate, or from a direct company like Geico or Progressive.

All three ways are similar, but buyers should know the differences in how they provide price quotes.

Independent insurance agencies have contracts with multiple insurance companies and can do rate comparisons with every one. Independent agents are appointed with more than one company and can get prices from more than one company, which may give you better odds of saving money. If you want to switch companies, an independent agent can move your coverage which prevents you from having to find a new agency.

A captive or exclusive agent is only able to quote rates with one company such as Allstate or State Farm agents. These agents normally cannot provide multiple price quotes, so you need to shop around if the rates are high.

The third way to buy insurance is direct which means you bypass either of the other two types of agents and instead buy direct from companies such as Progressive or Esurance. Buying insurance direct is good for people who do not have a lot of assets and have a good understanding of the limitations of their policy.

Which way works best to buy the best cheap insurance for a Nissan Rogue in Louisiana? It would be easy to say buying from a direct car insurance company results in the cheapest rates since there is no middleman, but unfortunately, it’s not that simple. It would also be easy to say an independent agent saves the most money because they can quote many companies, but again, it’s not a sure thing. And occasionally, exclusive agencies have price quotes that independents and direct companies can’t touch.

Since insurance prices vary so much, the guaranteed way to find out which one is cheapest is to compare, compare, and compare some more. Smart shoppers will get price quotes from all three to have enough rates to compare. For a list of companies offering online discounts, click here to view.

How to find low-cost insurance for a Nissan Rogue

It’s not impossible to find cheaper rates, and here are some of the better penny-pinching ideas that can help Louisiana drivers find more affordable coverage.

• Save money by observing traffic laws and speed limits
• Do not insure for full coverage
• Raise physical damage deductibles
• Choose a safer vehicle and pay lower rates
• Good credit can save money
• Avoid accidents and claims
• Compare rates regularly and switch companies to save money

That last tip is extraordinarily vital, as we emphasized in the prior article. Rates fluctuate constantly, so drivers shouldn’t be reluctant to buy from a different company if you find a cheaper price.

Many consumers stick with the same company and that’s fine, but is isn’t recommended if that inflexibility results in costing you several hundred dollars every year. If you have a few minutes, now is a great time to compare prices to find cheaper car insurance for a Nissan Rogue.