Who Has the Cheapest Insurance Quotes for a Nissan Rogue in Texas?

When discussing auto insurance, the words “cheap” or “affordable” really should not be used anywhere in the article to describe car insurance prices. It’s just a fact that cheap auto insurance for a Nissan Rogue is not always easy to find. Don’t let that discourage you, because we are going to tell you how you can quote auto insurance that is cheaper than what you have now.

Your chances of buying cheaper auto insurance for a Nissan Rogue in Texas is contingent on a complex rating formula that takes into consideration things like the mileage of your daily commute, if you have ever let your policy lapse, and your policy deductibles. Drivers pay an average of $1,240 annually to insure a Rogue, but that cost is a projection that uses rate data for a 50-year-old single female driver with full physical damage coverage and $100 policy deductibles.

There is a good possibility you are not exactly 50 years old and possibly not even female, married instead of single, or maybe your Rogue is an older model. Using even a minor difference in policy rating criteria or coverages can result in big changes in the price of a policy.

This shows why the best way to quote the cheapest insurance price for your Nissan is to make a habit of regularly comparing rates from other companies. In just a few minutes you can get prices from some of the best companies in Texas.

Save Now on Rogue Insurance

Your Nissan’s trim level will be a contributing factor to the cost of coverage, so the rate you will pay to insure a Rogue S 2WD will be $104 cheaper than the insurance cost for the high end Rogue SL AWD model, as shown by the rates below.

Above prices assume single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Prices do not factor in specific garaging location which can change coverage prices considerably.

Finding out which companies have the best insurance rates for a Nissan Rogue involves a little more sweat than just quoting one company’s rates. Each company has a different process for determining rates in each state, so let’s rank the insurance companies that tend to have lower prices in Texas.

It’s important that you understand Texas insurance rates are impacted by many things that may substantially change the cost of coverage. Getting older, buying a home instead of renting, or getting a speeding ticket can trigger changes in premium resulting in some rates now being much cheaper than others.

Lowest Insurance Price Quotes for Your Nissan

Compare Rates and Save

google.charts.setOnLoadCallback(drawTXT5qcibChart);function drawTXT5qcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }], [‘Travelers’, 1052, ‘#FF5733’], [‘USAA’, 1095, ‘#D4482A’], [‘Texas Farm Bureau’, 1247, ‘#B03C23’], [‘Germania Mutual’, 1282, ‘#92321D’], [‘California Casualty’, 1396, ‘#792918’]]);var options = {title: ‘Most Affordable Auto Insurance Companies in Texas’,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:1496,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(‘qcibt5cic’));chart.draw(view, options);}

Travelers quotes some of the lowest car insurance rates in Texas at around $1,052 each year. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty also make the cut as some of the lowest-priced Texas auto insurance companies.

As the rates illustrate above, if you currently have a policy with Germania Mutual and switched to USAA, you could see an annual premium reduction of upwards of $187. Policyholders with California Casualty could save as much as $301 a year, and Esurance customers might reduce prices by as much as $312 a year.

If you want to find out if you’re overpaying, click here or visit several of the following companies.

Remember that these prices are averaged for all types of insureds and vehicles and do not factor in a specific rating modification for a Nissan Rogue. So the company that has the cheapest rates for you may not even be featured in the above rate chart. That helps illustrate why you need to compare prices as often as possible using your own specific driver information and vehicle.

How careless driving impacts Texas insurance rates

One of the best ways to earn the cheapest insurance for a Nissan Rogue in Texas is to be a safe driver and avoid at-fault accidents and violations. The example below highlights how speeding tickets and at-fault collisions influence annual premium costs for different insured age categories. The costs are based on a single male driver, full coverage, $1,000 deductibles, and no additional 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 Two Accidents’],[‘Age 20’, 3445,3709,6225],[‘Age 30’, 1815,2079,4595],[‘Age 40’, 1761,2023,4543],[‘Age 50’, 1615,1877,4395],[‘Age 60’, 1567,1831,4351],[‘Age 70’, 1965,2229,4745]]);var options = {title: ‘Impact of Violations and Accidents on Texas 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 Texas’,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 above shows the average cost of car insurance in Texas per year with no violations or accidents is $2,028. Factor in one speeding ticket and the average cost jumps to $2,291, an increase of $263 each year. Then throw in two accidents along with the one speeding ticket and the annual cost of insurance for a Nissan Rogue goes up to an average of $4,809. That’s an increase of $2,781, or $232 per month, just for not driving attentively!

Discount Texas insurance

Auto insurance companies that sell the cheapest insurance for a Nissan Rogue in Texas may also provide premium discounts that could potentially reduce rates by as much as 35% or more if you qualify. Companies and a partial list of their discounts are included below.

• AAA has savings for pay-in-full, good driver, AAA membership discount, anti-theft, education and occupation, multi-car, and multi-policy.
• Progressive offers discounts for multi-vehicle, good student, continuous coverage, homeowner, multi-policy, and online signing.
• State Farm includes discounts for anti-theft, multiple policy, safe vehicle, student away at school, Drive Safe & Save, and passive restraint.
• Esurance offers premium reductions for homeowner, multi-car, Switch & Save, defensive driver, online quote, emergency road assistance, and multi-policy.
• Nationwide may offer discounts for accident-free, business or organization, easy pay, multi-policy, Farm Bureau membership, and good student.

The diagram below shows the comparison of auto insurance rates with and without discounts applied to the rates. The rate quotes are based on a male driver, no claims or driving violations, Texas state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows the price with no discounts. The second bar shows the rates with claim-free, defensive driving course, anti-theft, multiple vehicle, vehicle safety, and homeowner discounts applied. When drivers qualify for the discounts, the the average yearly reduction on insurance for a Nissan Rogue is 28% or $570.

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How to find the cheapest insurance for a Nissan Rogue in Texas

It’s not impossible to find cheaper rates, and here are a few money-saving ideas that can help you quote more affordable coverage.

• Better credit rating means better rates
• Violations like speeding or DUI increase rates
• Increase your comprehensive and collision deductibles
• If your vehicles are older, consider dropping full coverage
• Avoid preventable accidents
• Drive a car with a high safety rating
• Shop your coverage around for the best deal

The last tip in the list is particularly necessary, as was pointed out in the prior article. Prices in Texas vary greatly, so drivers shouldn’t be reluctant to switch to a new company if a cheaper rate is available.

Brand loyalty is great, but we do not recommend it if that loyalty results in overpaying a lot of money every month. In less than five minutes you could compare prices to find cheaper auto insurance for a Nissan Rogue.

Who has the cheapest Nissan Rogue insurance quotes?

Thanks to technology, there are a lot of ways to get affordable insurance quotes in Texas, but the most popular ways are from a non-exclusive or independent agent, an exclusive insurance agent such as Allstate or Liberty Mutual, or from a direct company like Progressive. All three ways can provide insurance quotes, but it’s important to point out the distinctions in how they work.

Independent insurance agencies have contracts with multiple insurance companies and can compare coverage rates with all of them. Agents of this type possess the freedom to get prices from more than one company, which can help you get the best chance of saving money. If you want to switch companies, they can switch companies in-house which prevents you from having to find a new agency.

An exclusive agent is ‘exlusive’ to one company, a couple examples are a Liberty Mutual or State Farm agent. They usually cannot quote prices from more than just one company, so you will not be able to compare their rates to other companies.

Choosing to buy insurance direct means you forego a local insurance agent and instead shop from a direct company like Geico. This insurance option can be a good choice for consumers who have limited assets and have knowledge of the limitations of insurance.

So which one of the three ways works best to find the cheapest insurance for a Nissan Rogue in Texas? One answer would be buying direct results in the cheapest price because there isn’t an agent involved, but unfortunately, it’s not that simple. An argument could also be made that buying insurance from an independent agent saves the most money since they have access to many companies, but that assumption is not true either. And sometimes, the exclusive agents may have very competitive prices that cannot be beaten by either independent or direct companies.

Since insurance companies use so many rating factors, the best method to make sure you’re not overpaying for insurance is to get quotes and compare the rates. The best approach is to get quotes from all three to have a good selection of rates to choose from. For a list of companies with some of the cheapest Texas insurance rates, click here to view.