Cheap Insurance for a Nissan Rogue in Michigan

When talking about auto insurance, the word “cheap” should never be used anywhere to describe car insurance rates. Regardless, cheap auto insurance for a Nissan Rogue is almost non-existent. Don’t get your dauber down, because we are going to tell you how you can quote and buy car insurance that most people can afford.

The odds of finding cheap auto insurance for a Nissan Rogue in Michigan is contingent on a complex formula that factors things like driver age, whether or not you have prior claims, and citations or violations on your driving record. Drivers in Michigan pay around $1,910 each year for Rogue insurance, but that price is a ballpark figure rating a 50-year-old married female driver that wants full coverage and $100 deductibles.

Chances are good that you’re not a 50-year-old female, you might be single instead of married, or maybe you have a speeding ticket that needs to be factored in. Each driver has unique rating factors, so the most reliable method for finding the cheapest coverage for your Nissan is to make a habit of comparing prices at least once a year. In just a couple of minutes you will receive rate quotes from some of the best insurers that insure vehicles in Michigan.

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Your vehicle’s trim level will likely have an effect on the insurance rate, so the price you will pay to insure a Rogue S 2WD model will be $160 less than the price to insure the more costly Rogue SL AWD trim level, as shown in the prices below.

Data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Michigan minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Rates do not factor in specific location information which can lower or raise coverage prices considerably.

Figuring out which company offers the best insurance rates for a Nissan Rogue takes more work in order to find the lowest price. Each company has their own unique process for filing rates in each state, so we need to take a look at the lowest cost insurance companies in Michigan.

We do need to point out that Michigan insurance rates are calculated based on many things which can significantly increase or decrease the policy premium. Getting older, adding a teenager to your policy, or getting a ticket for running a stop sign can cause premium changes resulting in some companies being cheaper in comparison to the competition.

Cheap Insurance Rates for Your Nissan

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USAA may have some of the best car insurance rates in Michigan at around $958 each year. GEICO, Safeco, MetLife, and Chubb also are some of the lowest-priced Michigan auto insurance companies.

As shown above, if you have coverage with Safeco and switched to USAA, you may see an annual savings of around $89. Michigan drivers with MetLife may save as much as $366 a year, and Chubb policyholders might lower prices by $470 a year.

If you would like to find cheap insurance for a Nissan Rogue in Michigan, click here to begin a quote or visit several of the following companies.

Remember that these policy rates are averaged for all insureds and vehicles and do not factor in a specific rating modification for a Nissan Rogue. So the company that fits you best may not even be featured in the list of companies above. That is why you need to compare as many prices as possible using your own specific driver and vehicle information.

The chart below illustrates how choosing a deductible can affect insurance prices when researching cheap insurance for a Nissan Rogue. The costs are based on a married female driver, full coverage, and no other discounts are factored in.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 5417,4983,4487,4015],[‘Age 30’, 3775,3461,3097,2747],[‘Age 40’, 3735,3429,3079,2743],[‘Age 50’, 3273,3011,2711,2421],[‘Age 60’, 3113,2863,2571,2293],[‘Age 70’, 3361,3091,2791,2507]]);var options = {title: ‘Comparison of Deductible Levels and Nissan Rogue Insurance Rates in Michigan’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Nissan Rogue’,minValue: 0,format: ‘$###,###’},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);}

The data above shows that a 40-year-old driver could lower their policy premium by $562 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $852 by changing to a $1,000 deductible. Even younger insureds, such as the 20-year-old example, could drop their prices $1,402 each year by choosing a larger deductible amount.

When choosing a higher deductible, it will be necessary to have additional savings on hand to enable you to cover the extra out-of-pocket expense. That is the one drawback of using higher deductibles.

Here’s why you should compare rates often

Michigan insurance rates are calculated based on many things that may substantially change the policy premium. Turning one year older, increasing liability limits, or getting a ticket for running a stop sign may generate price changes resulting in some companies being more affordable than the competition. Not only that, but insurers change prices every year or even multiple times each year to adjust for heavy claims or excess profits. Significantly higher losses can cause higher prices, while profitable underwriting can cause more affordable Rogue insurance rates.

The graph below shows which companies have the cheapest car insurance in Michigan for a 45-year-old female driver with no accidents, a clean driving record, and a decent credit rating. If we look at prices based on her current risk profile, USAA quotes the best car insurance rates in Michigan at $949 a year. This is $1,444 less than the average price paid by Michigan drivers of $2,393. GEICO, Safeco, MetLife, and Chubb are the remainder of the most affordable Michigan auto insurance companies.

google.charts.setOnLoadCallback(drawMIWitcqcibChart);function drawMIWitcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘USAA’, 949, ‘#629100’],[‘GEICO’, 1003, ‘#517800’],[‘Safeco’, 1037, ‘#436400’],[‘MetLife’, 1350, ‘#375300’],[‘Chubb’, 1372, ‘#2D4500’]]);var options = {title: ‘Best Cheap Car Insurance for a Nissan Rogue’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 300,’chartArea’: {left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1472,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibwitc’));chart.draw(view, options);}

Now let’s give the driver from the first set of rates a couple of claims, less-than-perfect credit, and a couple of points charged on her driving record. Due to the fact that every insurance company has their own formula for establishing rates, comparing rates most likely will result in a new list of the cheapest Michigan car insurance companies as shown below.

google.charts.setOnLoadCallback(drawMIWcqcibChart);function drawMIWcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘GEICO’, 1504.5, ‘#F57E00’],[‘Safeco’, 1555.5, ‘#CC6900’],[‘Pioneer State Mutual’, 1621.4, ‘#AA5700’],[‘Hastings Mutual’, 1754.5, ‘#8D4800’],[‘Auto-Owners’, 1799.6, ‘#753C00’]]);var options = {title: ‘Best Rates with Imperfect Driving Record’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 300,’chartArea’:{left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1899.6,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibwc’));chart.draw(view, options);}

GEICO now has the lowest price on auto insurance in Michigan with Safeco, Pioneer State Mutual, Hastings Mutual, and Auto-Owners now being in the top five. This demonstrates why it is important to compare lots of rates when trying to find affordable auto insurance rates for a Nissan Rogue. Prices are determined by many risk factors and can increase or decrease at any time, so the lowest-price company two years ago may now not even be in the top five.

How to find more affordable auto insurance for a Nissan Rogue

Lowering your rates is not difficult, and here are some of the better penny-pinching suggestions that can help you find more affordable auto insurance.

• Save money by bundling your home and auto policies
• Higher credit ratings may save you money
• Do not insure for full coverage
• Do not get into accidents that are your fault
• Get cheaper liability coverage by choosing a safer vehicle
• Compare prices frequently to find the best deal

The last suggestion is remarkably critical, as we emphasized in this piece. Car insurance prices can change considerably in a year, so don’t be tentative to switch carriers if a lower price can be found.

Being loyal to a particular company is commendable, but is isn’t recommended if that dedication is costing lots of hard earned cash every month. It takes less than five minutes to compare rates to find cheaper car insurance for a Nissan Rogue.