Best Cheap Insurance for a Nissan Rogue in New York

Our content editors always give us grief that when writing about auto insurance, the words cheap or affordable shouldn’t be used anywhere in the article. Despite the oxymoron, cheap car insurance for a Nissan Rogue may be a thing of the past. Don’t get your dauber down, because we will show you how you can get coverage that fits into your budget.

The chances of buying the best cheap coverage for a Nissan Rogue in New York hinges on a complicated formula that considers factors like whether you use your Rogue for business use, your claims history, and any driving offenses on your record. New York drivers pay around $840 per year for Rogue insurance, but that policy rate is an estimation using cost data for a 40-year-old married female who purchased full physical damage coverage and $100 deductibles.

The issue with using an average estimated rate is the likelihood you are not a 40-year-old female, you might be single instead of married, or maybe you rent instead of own your home. Having what appears to be a very minor change in the factors used to determine rates can cause large differences in rate quotes.

Auto insurance is unique to every driver, so the most reliable method for finding cheap insurance rates for your Nissan is to shop around at every renewal for lower rates.

Click to Compare Rates Now

The specific model of Rogue can impact the annual cost of coverage, so the cost to insure a Rogue S 2WD will be $72 lower than the insurance cost for the high end Rogue SL AWD version, as shown in the chart below.

Data variables include married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and New York minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Rate quotes do not factor in specific zip code location which can modify coverage rates substantially.

Insuring your vehicle with the highest-rated car insurance provider is difficult considering how many companies sell insurance in New York. The rank data below can help you choose which companies to look at when comparing rates.

The ratings below include the largest companies in the United States, so smaller companies are not taken into consideration for the list. If you would like to check rates from these top-rated insurers and more, just click here.

Top 10 Large Car Insurance Companies Overall in New York

1. The General
2. Mercury Insurance
3. The Hartford
4. Progressive
5. Travelers
6. State Farm
7. Farmers Insurance
8. Erie Insurance
9. Safeco Insurance
10. USAA

Top 10 Large Car Insurance Companies in New York Ranked by Value

1. The General
2. Erie Insurance
3. The Hartford
4. Mercury Insurance
5. Farmers Insurance
6. 21st Century
7. Safeco Insurance
8. AAA Insurance
9. State Farm
10. Travelers

Top Companies for Nissan Rogue Insurance in New York

Safe drivers pay less for insurance

The easiest method to get cheap insurance prices for a Rogue is to be a cautious driver and avoid accidents and violations. The information below shows how violations and fender-benders drive up insurance premiums for each different age category. The price estimates are based on a single male driver, comp and collision included, $100 deductibles, and no discounts are factored in.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and One Accident’],[‘Age 20’, 3259,3499,4179],[‘Age 30’, 1689,1931,2607],[‘Age 40’, 1673,1911,2591],[‘Age 50’, 1521,1763,2441],[‘Age 60’, 1473,1715,2393],[‘Age 70’, 1795,2035,2713]]);var options = {title: ‘Impact of Tickets and Claims on New York 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 New York’,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 charted above shows the average cost of an auto insurance policy in New York per year with no accidents and a clean driving record is $1,902. Receive one speeding ticket and the average cost swells to $2,142, an increase of $241 each year. Then add one accident along with the one speeding ticket and the 12-month cost of insurance for a Nissan Rogue goes up to an average of $2,821. That’s an increase of $919, or $77 per month, just for not driving attentively!

Discount New York auto insurance rates

Insurance providers that provide the best cheap insurance for a Nissan Rogue in New York may also give you special discounts that could lower prices by 25% or more if you meet specific eligibility requirements. A few of the larger companies and some of the discounts are:

• State Farm policyholders can earn discounts including anti-theft, student away at school, accident-free, safe vehicle, passive restraint, Drive Safe & Save, and Steer Clear safe driver discount.
• Nationwide discounts include easy pay, family plan, anti-theft, business or organization, defensive driving, and good student.
• GEICO may include discounts for defensive driver, emergency military deployment, five-year accident-free, multi-policy, military active duty, driver training, and air bags.
• AAA may offer discounts for multi-car, good driver, multi-policy, anti-theft, and AAA membership discount.
• 21st Century has savings for student driver, good student, anti-lock brakes, early bird, 55 and older, automatic seat belts, and air bags.
• The Hartford includes discounts for good student, bundle, vehicle fuel type, driver training, air bag, and defensive driver.

The chart below compares yearly insurance costs with and without policy discounts. The information is based on a female driver, no claims or violations, New York state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows the price with no discounts. The lower bar shows the rates with multiple vehicle, accident-free, claim-free, homeowner, anti-theft, and vehicle safety discounts applied. When discounts are factored in, the the amount saved on insurance for a Nissan Rogue is 28% or $443.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 2365,1701],[‘Age 30’, 1605,1159],[‘Age 40’, 1499,1083],[‘Age 50’, 1309,947],[‘Age 60’, 1267,919],[‘Age 70’, 1495,1075]]);var options = {title: ‘Effect of Discounts on Insurance Price 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: [‘#c096ca’, ‘#e1b7ec’],hAxis: {title: ‘Annual Insurance Cost for a Nissan Rogue in New York’,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);}

Cheapest Nissan Rogue insurance quotes

Drivers have a lot of ways to buy insurance in New York, but the most prevalent methods are through an independent agent, an exlusive agent like State Farm or Liberty Mutual, or direct online or over the phone from a company like Progressive or Geico.

You can use whichever method you prefer, but it’s important to understand the differences in how they work.

Independent agents work for many companies and can do rate comparisons with every one. These types of agents do not write with just one company and can give you a larger rate selection, which may provide you with the best shot at cutting your rates. If cheaper coverage is found, your policy can be easily switched to a new company which prevents you from having to switch agents.

An exclusive agent is only able to give rates for just one company, two popular examples being an Allstate or Liberty Mutual agent. They usually cannot place coverage with different providers, which will not provide a complete price comparison.

Choosing to buy insurance direct means you skip local insurance agents and instead buy direct from companies such as Geico or Progressive. Shopping for insurance direct may be a decent choice drivers who do not have a need for a risk management assessment and understand what coverages they need.

When shopping for insurance, which way works best to find the best cheap insurance for a Nissan Rogue in New York? The majority of people assume that shopping direct saves money because you bypass the agent, but unfortunately, it’s not that simple. And we’d like to say buying insurance from an independent agent can save the most money due to having more companies to select from, but that assumption is also not accurate. In many cases, the exclusive agents have coverage prices that are the lowest in New York.

Due to the fact that insurance rates vary so much, the only real way to ensure you are not overpaying for insurance is to get rate quotes and compare. If you want to save money, get price quotes from all three to have the best rate selection. For a list of companies with cheap rates in New York, click here to view.