Cheap Insurance for a Nissan Rogue in Virginia

Our editors keep telling us that when writing about car insurance, the words cheap or affordable really should not be used anywhere in the article to describe car insurance prices. Nonetheless, cheap auto insurance for a Nissan Rogue just does not exist. Don’t let that bother you, though, because we are going to tell you how you can find car insurance that fits into your budget.

Your chances of finding the cheapest insurance for a Nissan Rogue in Virginia depends upon a complicated formula that considers factors like how experienced of a driver you are, where your vehicle is garaged, and if your driving record is clean. Drivers will pay around $520 per year for Rogue insurance, but that figure is assuming a 50-year-old married female who purchased full coverage including both comprehensive and collision and $1,000 deductibles.

The issue that arises when projecting rates is that it’s very likely that you are not 50 and possibly not even female, single instead of married, and maybe your Rogue is older and does not require full coverage. There is no perfect policy for every driver, so the best way to quote cheap auto insurance rates for your Nissan is to get into the habit of comparing rates once a year.

Click to Compare Rates Now

The specific model of Rogue tends to have a direct impact on the annual cost of coverage, so the rate you pay to insure a Rogue S 2WD model will be $32 less than the insurance cost for the higher-priced Rogue SL AWD trim level, as shown below.

Price data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Virginia minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Rates do not factor in garaging location in Virginia which can impact premium rates substantially.

Ending up with the top company is hard considering how many companies there are to choose from in Virginia. The company rank data listed below can help you choose which insurers to look at comparing rate quotes with.

The rankings below include major nationwide insurance companies, so companies without a large exposure are not taken into consideration for these rankings. If you wish to compare rates from these top-rated insurers and more, simply click here.

Types of discounts on Virginia car insurance rates

Insurers that sell cheap insurance for a Nissan Rogue in Virginia may have rate discounts that could reduce prices by 40% or more if you are eligible for them. The best car insurance companies and some of the discounts include:

The diagram below visualizes the comparison of insurance prices with and without discounts applied to the policy premium. The rate quotes are based on a male driver, no accidents or driving violations, Virginia state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles.

The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with accident-free, multiple policy, multiple vehicle, passive restraint, marriage, and anti-theft discounts applied. In this example, the the average yearly reduction on car insurance for a Nissan Rogue is % or $.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 20’, 2333,1675],[‘Age 30’, 1235,891],[‘Age 40’, 1197,865],[‘Age 50’, 1099,795],[‘Age 60’, 1065,771],[‘Age 70’, 1335,961]]);var options = {title: ‘Comparison of 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);}

Cheapest car insurance: Geico, Progressive, Allstate, or State Farm

When shopping around for insurance for a Rogue in Virginia, four companies to definitely compare rates with are Geico, Progressive, Allstate, and State Farm. Between them, they insure about half of all auto insurance written. All of them have unique coverages that may influence your buying decision. The next table breaks down some of the different features that policyholders can buy.

How to get cheap insurance for a Nissan Rogue in Virginia

The list below shows some penny-pinching suggestions that can help you quote cheap coverage.

• Do not get into accidents that are your fault
• Buy a safer vehicle
• Maintain a clean driving record
• Clean up your credit
• If possible, do not file small claims
• Compare rates regularly and switch companies to save money

That last piece of advice is especially important, as was emphasized in this write-up. Auto insurance prices in Virginia can change considerably based on profitability, so you should be ready to switch to a new company if a more affordable price is available.

Being loyal to a particular company is commendable, but is isn’t recommended if that dedication is costing lots of money. In just a couple of minutes you could compare prices and find cheaper insurance for a Nissan Rogue.

Best cheap Nissan Rogue insurance quotes

There are many ways to find affordable car insurance in Virginia, but the most preferred ways are through a non-exclusive or independent agent, a captive (or exclusive) agent such as Allstate or Auto-Owners, or from a direct company like Progressive or Geico. You can use whichever you prefer, but each is different in how they function.

Independent agencies are appointed by several companies and can compare coverage rates with each one. These types of agencies are usually affiliated with several companies and can provide you with more rates, which may give you the best chance of finding a lower price. If your agent finds a cheaper company, your policy can be moved which requires no work on your part.

An exlusive, or captive, agency is only able to write business for just one company such as a State Farm or Farmers agent. These guys and gals cannot quote prices from more than a single company, so smart shoppers will want to get additional comparison quotes.

The third way to buy car insurance is direct which means you do not use a local insurance agent and buy direct from companies such as Geico or Progressive. Buying direct may be a decent choice consumers who have limited assets and have knowledge of the exclusions of a policy.

So which way is best to find cheap insurance for a Nissan Rogue in Virginia? Our initial answer would be buying direct results in the best prices because you bypass the middleman, but unfortunately, that is not always true. We could also say that an independent agency is the best way to save since they can provide multiple quotes, but again, it’s not a sure thing. And sometimes, exclusive agents have really good rates that are impossible to beat.

Because it’s impossible to say who has the best car insurance rates, the one way to get the cheapest rates is to compare lots of quotes. If you want to save money, get price quotes from independent, exclusive, and direct in order to have enough rates to compare. For a list of companies offering online discounts, click here to view.