Cheapest Insurance Quotes for a Nissan Rogue in Montana

The odds of finding cheap car insurance for a Nissan Rogue in Montana is dependent upon a large number of factors such as driver age, if you have a coverage lapse, and if your driving record is clean. Montana drivers pay around $1,860 annually to insure a Rogue, but that is an estimate based upon a 30-year-old married male driver who purchased both comprehensive and collision coverage and $100 deductibles.

But there is a good chance that you are not exactly 30 years old and possibly not even male, single instead of married, and you don’t want the same coverages and limits as the example. Having the smallest difference in rating variables may result in a big change in the policy cost.

Auto insurance is not “one size fits all”, so the only way to find the most affordable coverage for your Nissan is to get into the habit of comparing rates once a year. It’s really quite easy you will receive rate quotes from top-rated car insurance companies that sell coverage in Montana.

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The specific model of Rogue will have an impact the annual cost of coverage, so the cost to insure a Rogue S 2WD will be $162 cheaper than the price to insure the more well-appointed Rogue SL AWD model, as demonstrated by the prices below.

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Montana minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Price estimates do not factor in vehicle location which can impact price quotes substantially.

Shopping around for budget auto insurance is tough enough, and figuring out which companies have the cheapest insurance rates for a Nissan Rogue calls for additional perseverance. Every insurance provider has a different process to determine rates, so we need to take a look at the insurance companies with the most affordable rates in Montana.

It’s important to know that Montana insurance rates are calculated based on many things that control your annual premium. Things like having a birthday, increasing deductibles, or getting a DUI can trigger price changes that can now make some companies cheaper than competitors.

Best Car Insurance Prices for Your Nissan

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Safeco offers some of the best car insurance rates in Montana at around $837 each year. Progressive, USAA, State Farm, and MetLife also make the cut as some of the lowest-priced Montana auto insurance companies.

As depicted above, if you currently have coverage with USAA and switched to Safeco, you may see a yearly price reduction of about $218. Drivers with State Farm may save as much as $232 a year, and MetLife customers might cut rates by $349 a year.

If you want to find out if you’re overpaying, click here to get quotes or quote prices from the following companies.

Remember that these premiums are averages for all types of drivers and the different vehicles they drive and are not factoring in a specific rate value for a Nissan Rogue. So the auto insurance company that fits your age and vehicle best may not even be featured in the company chart above. That illustrates why you need to get rate quotes from many companies using your own specific driver and vehicle information.

Types of discounts on Montana car insurance rates

Insurance providers that provide the cheapest insurance for a Nissan Rogue in Montana may provide rate discounts that can lower rates by as much as 40% or more if you meet specific eligibility requirements. The best insurance companies and their possible discounts are included below.

• Farm Bureau may have discounts that include 55 and retired, multi-policy, youthful driver, driver training, renewal discount, and multi-vehicle.
• MetLife has discounts for good driver, defensive driver, good student, claim-free, multi-policy, and accident-free.
• Progressive includes discounts for homeowner, multi-vehicle, multi-policy, online quote discount, online signing, continuous coverage, and good student.
• AAA offers premium reductions for multi-policy, good driver, good student, AAA membership discount, multi-car, and anti-theft.
• American Family may include discounts for accident-free, bundled insurance, air bags, defensive driver, and TimeAway discount.
• GEICO discounts include anti-lock brakes, driver training, seat belt use, multi-vehicle, defensive driver, daytime running lights, and good student.
• State Farm offers discounts for accident-free, multiple policy, safe vehicle, defensive driving training, Steer Clear safe driver discount, multiple autos, and good driver.

The information below compares insurance prices with and without some available policy discounts. The premiums assume a female driver, no driving violations, no at-fault accidents, Montana state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with anti-theft, marriage, safe-driver, homeowner, multiple vehicle, and passive restraint discounts applied. When discounts are factored in, the average amount saved each year on insurance for a Nissan Rogue is 28% or $915.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 4871,3489],[‘Age 30’, 3297,2377],[‘Age 40’, 3079,2219],[‘Age 50’, 2685,1941],[‘Age 60’, 2599,1875],[‘Age 70’, 3065,2203]]);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: [‘#c096ca’, ‘#e1b7ec’],hAxis: {title: ‘Annual Insurance Cost for a Nissan Rogue in Montana’,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);}

Why you are probably overpaying for Rogue insurance

Montana insurance rates are impacted by many things that control the price you have to pay. Simply turning a year older, moving across town, or getting a DUI may prompt premium changes that can now make some companies much cheaper than others. Not only may things change on your end, but car insurance companies file new Montana auto insurance rates every year as an adjustment for underwriting gains or losses. A period of higher than normal claims may result in higher rates, while lower claim levels can produce lower-priced Rogue insurance rates.

As an example, the graph below shows which companies have the cheapest car insurance in Montana for a 45-year-old female driver with a clean driving record, no accidents, and solid credit. If we look at prices based on her current risk profile, Safeco quotes the cheapest car insurance rates in Montana at $828 annually. This is $492 less than the average policy premium paid by Montana drivers of $1,320. Progressive, USAA, State Farm, and MetLife are the remainder of the top five cheapest Montana auto insurance companies.

google.charts.setOnLoadCallback(drawMTWitcqcibChart);function drawMTWitcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘Safeco’, 828, ‘#5E9216’],[‘Progressive’, 971, ‘#4E7912’],[‘USAA’, 1024, ‘#41640F’],[‘State Farm’, 1058, ‘#36530C’],[‘MetLife’, 1186, ‘#2D450A’]]);var options = {title: ‘Best Car Insurance Rates 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:1286,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);}

In this example, we will give the driver from the first example a claim surcharge, poor credit, and a couple of points charged on her driving record. Since every car insurance company has a proprietary formula to set policy rates, comparing prices most likely will result in a different set of cheap Montana auto insurance companies as shown below.

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Allied now has the lowest price in Montana with Progressive, USAA, State Farm, and Farmers completing the list. This example demonstrates why it is so important to perform an extensive rate comparison when trying to get the most economical insurance quotes for a Nissan Rogue.

Insurance prices can be altered by many things and change frequently, so the cheapest option the last time you checked may now be quite expensive.

How to get the cheapest insurance for a Nissan Rogue in Montana

It is possible to find better rates, and here are a few money-saving solutions that can help Montana drivers locate cheaper auto insurance.

• Accidents can significantly increase rates
• Buy a safer vehicle
• Buying home and auto together can help save money
• Save money by only buying liability coverage for older vehicles
• Avoid price increases by not filing claims
• Just one traffic violation will increase your rates
• Compare rate quotes frequently

That last tip is extremely vital, as we discussed in this write-up. Prices charged by auto insurers adjust frequently, so don’t be afraid to buy a policy from a new company if a better rate can be found.

Brand loyalty is great, but it isn’t a good idea if that faithfulness ends up costing you thousands of dollars over the life of your policy. Now is a great time to compare rates to find cheaper insurance for a Nissan Rogue.