Best Cheap Insurance Quotes for a Nissan Rogue in California

Buying the cheapest car insurance for a Nissan Rogue in California depends on a large number of factors such as your gender, if you have a tendancy to file claims, and deductible levels for physical damage coverage. Drivers in California on average pay approximately $1,630 per year to buy insurance for a Nissan Rogue, but that rate is a projection calculated using a 30-year-old single male driver with full comprehensive and collision coverage and $100 physical damage deductibles.

There’s a high likelihood you are not 30 and possibly not even male, maybe you are married instead of single, or you just prefer to insure for liability only. Auto insurance is unique to each driver, so your best chance at finding the cheapest coverage for your Nissan is to shop your policy around at every renewal. Get your free quotes now and you will receive rate quotes from some of the most affordable companies in California.

Insure Your Nissan for Less

The trim level of your Nissan has an effect on price, so the cost to insure a Rogue S 2WD will be $124 less expensive the cost to insure the higher-priced Rogue SL AWD trim level, as shown below.

Cost estimates assume single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Premium amounts do not factor in vehicle location which can affect rates substantially.

Finding dependable, reasonably-priced car insurance is easier said than done, and finding out which insurers offer the cheapest auto insurance rates for a Nissan Rogue calls for even more perseverance.

Every auto insurer has their own unique process to determine rates, so let’s take a look at the auto insurance companies with the overall best prices in California. It’s important that readers know that California auto insurance rates are influenced by many factors which can substantially decrease or increase the price you pay. Simply getting older, becoming a homeowner, or getting a couple of tickets can trigger rate changes that may make certain companies cheaper than others.

Lowest Insurance Price Quotes for Your Nissan

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Wawanesa offers some of the most affordable car insurance rates in California at around $1,146 each year. USAA, CSAA, Century National, and Nationwide also rank well as some of the more affordable California auto insurance companies.

As the example above demonstrates, if you have coverage with Nationwide and switched to USAA, you could realize an annual savings of roughly $71. Customers with 21st Century may save as much as $170 a year, and Grange customers might reduce rates by $322 a year.

Understand that those estimates are averages for all ages of drivers and types of vehicles and and are not calculated with a specific rate factor for a Nissan Rogue. So the company that is most affordable for your situation may not even be shown in the company chart above. That points out the importance of why you need to get auto insurance quotes using your own personal information and vehicle type.

Discounts on California insurance

Insurers that offer the best cheap insurance for a Nissan Rogue in California may provide price discounts that can lower rates by 25% or more if you are eligible. A list of auto insurance companies and some of the discounts can be found below.

• GEICO offers premium reductions for good student, air bags, seat belt use, five-year accident-free, military active duty, and multi-vehicle.
• Travelers has discounts for good student, student away at school, IntelliDrive, new car, and payment discounts.
• Nationwide may offer discounts for good student, accident-free, Farm Bureau membership, defensive driving, family plan, and business or organization.
• Farmers Insurance may have discounts that include pay in full, distant student, early shopping, switch companies, mature driver, bundle discounts, and electronic funds transfer.
• Esurance includes discounts for good student, claim free, online quote, DriveSense, multi-car, anti-lock brakes, and renters.
• State Farm may include discounts for multiple autos, good driver, anti-theft, driver’s education, safe vehicle, and multiple policy.
• Progressive has savings for homeowner, online signing, online quote discount, good student, multi-policy, and continuous coverage.
• Mercury Insurance offers discounts for location of vehicle, annual mileage, good student, ease of repair, low natural disaster claims, age of vehicle, and multi-policy.

The example below visualizes the comparison of premium costs with and without policy discounts. The premiums are based on a male driver, no driving violations, no at-fault accidents, California state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with marriage, multiple vehicle, anti-theft, claim-free, multiple policy, and homeowner discounts applied. When drivers take advantage of discounts, the average amount saved each year on auto insurance for a Nissan Rogue is 28% or $732.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 20’, 4465,3203],[‘Age 30’, 2341,1693],[‘Age 40’, 2285,1651],[‘Age 50’, 2087,1507],[‘Age 60’, 2023,1461],[‘Age 70’, 2507,1801]]);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 in California’,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);}

The information below illustrates how your deductible choice can raise or lower insurance prices when searching for cheap insurance for a Nissan Rogue. The rates are based on a married male driver, comp and collision included, and no discounts are taken into consideration.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 4677,4287,3857,3447],[‘Age 30’, 2437,2231,1993,1767],[‘Age 40’, 2347,2159,1939,1729],[‘Age 50’, 2147,1975,1777,1591],[‘Age 60’, 2107,1937,1743,1559],[‘Age 70’, 2433,2249,2043,1849]]);var options = {title: ‘Effect of Deductibles on Nissan Rogue Insurance Rates in California’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Nissan Rogue’,minValue: 0,format: ‘$###,###’},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 pocket $370 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $556 by using a $1,000 deductible. Even younger insureds, like the 20-year-old, could possibly save as much as $1,230 or more just by choosing larger deductibles.

If you do raise deductibles, it will now be necessary to have enough savings set aside to cover the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.

State Farm, Geico, Progressive, or Allstate: Which is best?

If you want the best car insurance, four of the best places to start are State Farm, Geico, Progressive, and Allstate. The next table compares price, claims, and customer service ratings, as well as some optional coverages shoppers can find with each company.

Best cheap Nissan Rogue insurance quotes

Drivers have many ways to compare cheaper auto insurance rates in California, but the most common methods are from an independent agent, an exclusive insurance agent such as Allstate or Liberty Mutual, or buying direct from a company like Geico or Progressive.

Each way is similar, but auto insurance buyers need to understand the differences in how they work.

Independent insurance agencies write business for many companies and can get rate quotes from every one. They have the ability to compare multiple rates, which may give you more bang for your buck. If they quote lower rates, they simply move the coverage in-house which makes it easier to save money.

Exclusive agents are restricted to a single insurance company, two examples being Allstate or Farmers Insurance agents. Exclusive agents are unable to provide other companys’ prices, so you will not be able to compare multiple prices.

Buying direct means you forego either of the other two types of agents and buy buying direct from a company like Geico or Esurance. Shopping for auto insurance direct is good for families who have little risk and know more than average about what coverages, limits, and deductibles they need.

What is the best way to buy the best cheap insurance for a Nissan Rogue in California? It would be premature to say shopping direct saves money since there isn’t an agent involved, but that does not always hold true. We could also assume that buying auto insurance from an independent agent saves the most money since they have access to many companies, but again, it’s not a sure thing. In some circumstances, exclusive agencies have extremely competitive rates that other auto insurance companies cannot touch.

Due to that fact that auto insurance uses so many rating variables, the only real way to get the lowest rate is to get as many comparison quotes as possible. To find the best rates, be sure to get prices from all three types in order to have enough rates to compare. For a list of companies offering online discounts in California, click here to view.