Cheap Insurance for a Nissan Rogue in Utah

Finding cheaper car insurance for a Nissan Rogue in Utah relies on an enormous amount of rating factors such as the age of the Rogue, if you are currently insured, and if your driving record shows any at-fault accidents. Drivers pay on average $550 each year to buy insurance for a Nissan Rogue, but that amount is a projection that uses rate data for a 50-year-old married male that included both comprehensive and collision coverage and $1,000 deductibles.

But there is a high probability that you are not a 50-year-old male, possibly single instead of married, and there is a good chance that other rated drivers impact the rate. Auto insurance is unique to every driver, so the best method for finding cheap insurance rates for your Nissan is to shop your policy around every couple of years.

Start Your Free Quote

Your Nissan’s trim level impacts the cost of coverage, so the price to insure a Rogue S 2WD will be $34 less than the cost to insure the higher-priced Rogue SL AWD trim level, as shown by the rates below.

Cost estimates assume married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Utah minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, multi-vehicle, and homeowner. Rate information does not factor in vehicle garaging location which can impact price quotes significantly.

Buying coverage from a good quality car insurance company can be rather challenging considering how many different insurance companies sell coverage in Utah. The rank data in the lists below may help you decide which coverage providers to look at comparing rates with.

These ratings are for the largest auto insurers in America, so smaller regional companies are not taken into consideration for this list. To check prices from these companies and more, just click here.

Full coverage versus liability only rates

Finding cheap insurance for a Nissan Rogue in Utah is probably important to the majority of vehicle owners, and a great way to find cheaper insurance is to not buy comprehensive and collision coverage. The illustration below illustrates the comparison of premium costs with full phyical damage coverage and with liability coverage only. The prices are based on no tickets, no at-fault accidents, $500 deductibles, drivers are not married, and no policy discounts are applied.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $500 Deductibles’, ‘Liability Only’],[‘Age 20’, 2713,1077],[‘Age 30’, 1427,593],[‘Age 40’, 1395,549],[‘Age 50’, 1275,515],[‘Age 60’, 1237,507],[‘Age 70’, 1527,675]]);var options = {title: ‘Full Versus Liability Only Rates’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Nissan Rogue in Utah’,minValue: 0,format: ‘$###,###’},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(‘qcibfcl’));chart.draw(data, options);}

Averaged for all ages 20 through 70, comprehensive and collision coverage on your policy costs an additional $1,596 per year over and above liability coverage. At some point, almost every driver questions if paying for full coverage is a waste of money. There is no definitive formula of when to phase out full coverage, but there is a general guideline. If the annual cost of your full coverage insurance is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then it’s probably a good time to buy liability coverage only.

The chart below shows how different deductible levels can impact insurance costs when getting quotes for cheap insurance for a Nissan Rogue. The premiums assume a married male driver, comp and collision included, and no policy discounts are applied.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 2841,2607,2343,2095],[‘Age 30’, 1489,1363,1219,1081],[‘Age 40’, 1431,1317,1183,1057],[‘Age 50’, 1311,1207,1085,973],[‘Age 60’, 1289,1185,1067,957],[‘Age 70’, 1485,1373,1247,1129]]);var options = {title: ‘Comparison of Deductible Levels and Nissan Rogue Insurance Rates in Utah’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Nissan Rogue’,minValue: 0,format: ‘$###,###’},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 30-year-old driver could lower their policy premium by $248 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $374 by changing to a $1,000 deductible. Even younger insureds, like the Age 20 chart data, could potentially save $746 or even more just by choosing larger deductibles. When insureds make the decision to increase the deductibles on their policy, it will be important to have emergency funds available to be able to pay the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.

How to find economical insurance for a Nissan Rogue

It is possible to find better rates, and here are some money-saving suggestions that can help you quote more affordable coverage.

• Maintain a clean driving record
• Higher comprehensive and collision coverage deductibles will save money
• Avoid accidents
• Drop full coverage on older vehicles
• Too many claims can make car insurance unaffordable
• Compare price quotes at least once a year

The final tip is extremely necessary, as we emphasized in this piece. Coverage prices can change considerably based on profitability, so drivers shouldn’t be reluctant to change insurance companies if you find a better deal. Brand loyalty is not necessarily bad, but it’s not recommended if that dedication is costing potentially thousands of dollars a year. It only take a few minutes to shop around to find cheaper car insurance for a Nissan Rogue.

Is Progressive, State Farm, Allstate, or Geico cheaper?

If you’re looking for the best insurance for a Rogue in Utah, four companies to definitely compare rates with are Progressive, State Farm, Allstate, and Geico. If you combine them together, they insure about 50% of all auto insurance policies in force. The data below points out ratings for price and service, as well as some optional coverages that are available from each company.