Best Cheap Insurance Quotes for a Nissan Rogue in South Carolina

Buying the best cheap car insurance for a Nissan Rogue in South Carolina relies on a complicated rating formula that uses factors like the number of years you have been licensed, if you have a coverage lapse, and if you have tickets or violations. South Carolina drivers on average pay around $890 a year to insure a Rogue, but that rate is a projection rating a 30-year-old married female driver that included comprehensive and collision coverage and $500 deductibles.

This brings up the issue that more than likely you are not exactly 30 years old and possibly not even female, you might be single instead of married, and you possibly have other drivers on your policy that need factored in. Auto insurance is not “one size fits all”, so the way we recommend to find the cheapest rates for your Nissan is to get into the habit of shopping around regularly.

Cheapest Nissan Rogue Insurance Rates

The specific model of Rogue will influence the cost of coverage, so the price you will be charged to insure a Rogue S 2WD model will be $62 cheaper than the price to insure the higher-priced Rogue SL AWD trim level, as shown in the table below.

Cost estimates assume married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and South Carolina minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Rates do not factor in vehicle garaging location which can increase or decrease premiums significantly.

Establishing which companies quote the most affordable auto insurance rates for a Nissan Rogue will require a tad more effort than just quoting one company’s rates. Every car insurance company has a unique approach to set their prices, so let’s take a look at the auto insurance companies with the overall best prices in South Carolina.

It’s important to know that South Carolina auto insurance rates are based on many factors that will increase or decrease the price of coverage. Improving your credit rating, increasing liability limits, or having a fender bender may prompt premium changes that may make certain companies cheaper in comparison to the competition.

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The Hartford has some of the most affordable car insurance rates in South Carolina at around $745 a year. USAA, State Auto, Auto-Owners, and SC Farm Bureau Mutual also rank well as some of the lowest-priced South Carolina car insurance companies.

As illustrated above, if you currently buy coverage from Auto-Owners and switched to The Hartford, you could earn an annual savings of in the vicinity of $408. Customers with SC Farm Bureau Mutual could save as much as $503 a year, and Southern Farm Bureau insureds might cut rates by $515 a year.

If you would like to find the best cheap insurance for a Nissan Rogue in South Carolina, click here to get a free quote or quote rates from the companies below.

Bear in mind that those policy rates are averaged for all drivers and vehicles and are not factoring in a specific rate value for a Nissan Rogue. So the auto insurance company that can offer you the best rate may not even be in the company chart above. That points out the importance of why you need to compare as many prices as possible using your own specific driver information and vehicle.

The information below demonstrates how choosing different deductibles can influence insurance costs when trying to find cheap insurance for a Nissan Rogue. The information is based on a single male driver, comp and collision included, and no additional discounts are factored in.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 4195,3839,3453,3089],[‘Age 30’, 2171,2005,1813,1627],[‘Age 40’, 2147,1971,1771,1579],[‘Age 50’, 1953,1797,1619,1447],[‘Age 60’, 1891,1739,1569,1407],[‘Age 70’, 2307,2133,1943,1761]]);var options = {title: ‘Comparison of Deductible Levels and Nissan Rogue Insurance Rates in South Carolina’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Nissan Rogue’,minValue: 0,format: ‘$###,###’},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);}

A 50-year-old driver could save $334 a year by switching from a $100 deductible up to a $500 deductible, or save $506 by switching to a $1,000 deductible. Even younger drivers, like the 20-year-old example, have the ability to save $1,106 or even more just by using higher deductibles. If you do decide to increase your deductibles, it is essential to have additional funds in a savings account to enable you to pay the extra out-of-pocket expense that is associated with using high deductibles.

Difference between liability only and full coverage rates

Finding the best cheap insurance for a Nissan Rogue in South Carolina should be important to the majority of drivers, and one of the quickest ways to pay less for insurance is to not buy full coverage. The information below visualizes the comparison of auto insurance rates with full phyical damage coverage and with liability coverage only. The premiums assume no claims or driving citations, $500 deductibles, drivers are single, and no additional discounts are factored in.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $500 Deductibles’, ‘Liability Only’],[‘Age 20’, 3453,1367],[‘Age 30’, 1813,749],[‘Age 40’, 1771,693],[‘Age 50’, 1619,649],[‘Age 60’, 1569,639],[‘Age 70’, 1943,855]]);var options = {title: ‘Full Coverage Versus Liability Only’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Nissan Rogue in South Carolina’,minValue: 0,format: ‘$###,###’},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);}

If the expense is averaged for all age categories, physical damage coverage on your policy costs $2,028 per year over liability only. That may make you wonder if paying for full coverage is worth it. There is no exact formula of when to drop physical damage insurance, but there is a guideline you can use. If the annual cost of coverage is more than around 10% of replacement cost minus your deductible, then you might want to think about dropping full coverage.

For example, let’s pretend your vehicle’s replacement cost is $10,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $9,000 after paying your policy deductible. If it’s costing in excess of $900 annually to have full coverage, then it might be time to buy liability only.

There are some conditions where dropping full coverage is not financially feasible. If you have an outstanding loan on your vehicle, you are required to maintain full coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should not buy liability only.

How to find cheaper car insurance for a Nissan Rogue

It’s not impossible to find cheaper rates, and here are some of the recommended money-saving ideas that can help South Carolina drivers get cheaper coverage.

• Drive a car with a high safety rating
• Save money by bundling your home and auto policies
• Do not pay for full coverage on older vehicles
• Pay less by remaining claim-free
• Drive safely
• Having at-fault accidents will increase rates
• Ensure you have the best deal by shopping around regularly

That last idea is very necessary, as we hit on in the article above. Car insurance rates can be changed at any time, so drivers shouldn’t be resistant to buy a different policy if you can find a cheaper rate. Many drivers tend to have loyalty to a certain company, but it’s not a great idea if it’s costing you money that could be going to better use. It only takes a couple minutes to shop around and find cheaper car insurance for a Nissan Rogue.

Is the best company Allstate, Geico, State Farm, or Progressive?

If you want the best auto insurance, the companies that insure more vehicles than anyone else are Allstate, Geico, State Farm, and Progressive. When combined, they have about half of all auto insurance policies in force. All four can cover your vehicle for liability and physical damage, but each one has a slightly different set of options and discounts that can influence your buying decision. The table below illustrates pricing and service ratings, plus some optional coverages you can buy with each company.