Who Has the Cheapest Insurance for a Nissan Rogue in Massachusetts?

Whether or not you can find cheap auto insurance for a Nissan Rogue in Massachusetts is contingent on a large number of rating criteria such as the number of years you have been licensed, what you do for a living, and your choice of deductibles. Massachusetts drivers pay on average $1,020 annually to insure a Rogue, but that rate is based on rates for a 50-year-old single male driver that wants full physical damage coverage and $250 deductibles.

There is a high likelihood that you are not exactly 50 years old and possibly not even male, married instead of single, or maybe you do not need full coverage. Having even a minor difference in rating criteria or coverage limits could result in a significant change in the cost of coverage for a Nissan Rogue.

Different coverage needs are the reason why the most reliable way to find cheap car insurance rates for your Nissan is to do the rate comparisons yourself. Quotes are free and you will be able to compare rates from some of the cheapest companies around.

Find Cheaper Nissan Rogue Insurance

The trim level of your vehicle tends to have a direct impact on the coverage cost, so the price to insure a Rogue S 2WD will be $80 less expensive the insurance cost for the more costly Rogue SL AWD version, as demonstrated by the prices below.

Prices above based on single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Massachusetts minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, claim-free, and homeowner. Rate quotes do not factor in specific Massachusetts garaging location which can modify prices significantly.

Finding reliable, reasonably-priced auto insurance is tough enough, and determining which company quotes the most affordable auto insurance rates for a Nissan Rogue involves a little more work. Each company uses slightly different criteria for determining rates, so let’s take a look at the most competitive auto insurance companies in Massachusetts.

It’s a good idea to know that Massachusetts auto insurance rates are influenced by many factors that can increase the cost of coverage. Simply improving your credit, buying another vehicle, or getting a ticket for running a stop sign can trigger rate changes that can now make some companies cheaper than before.

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State Farm quotes some of the cheapest car insurance rates in Massachusetts at around $733 a year. National Grange Mutual, GEICO, OneBeacon, and Commerce Group also qualify as some of the cheapest Massachusetts insurance companies.

As depicted above, if you buy coverage from GEICO and switched to State Farm, you could see an annual savings of upwards of $143. Policyholders with OneBeacon could save as much as $152 a year, and Commerce Group insureds might realize rate reductions of up to $169 a year.

Understand that those policy rates are averaged across all types of drivers and the different vehicles they drive and do not factor in a specific rate value for a Nissan Rogue. So the company that can offer you the best rate may not even be included in the rate chart shown above. That underscores the importance of why you need to compare prices as often as possible using your own specific driver and vehicle information.

Comparison of full coverage and liability-only policies

Finding the cheapest insurance for a Nissan Rogue in Massachusetts is important to most drivers, and one of the quickest ways to find cheap insurance is to not buy comprehensive and collision coverage. The chart below shows the comparison of premium costs with full physical damage coverage compared to only buying the minimum liability limits required in Massachusetts. The data is based on no accidents, no driving violations, $1,000 deductibles, drivers are not married, and no discounts are applied.

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If we average the cost for ages 20 through 70, comprehensive and collision coverage on your policy costs an extra $1,782 per year over liability only. At some point, every insured wonders if it’s worth it to buy full coverage. There is no set guideline of when to eliminate full coverage, but there is a general guideline you can use. If the annual cost of your full coverage insurance is more than 10% of the settlement you would receive from your company, then you might consider buying liability only.

The chart below demonstrates how deductible levels can impact insurance costs when researching cheap insurance for a Nissan Rogue. The price estimates are based on a single female driver, comprehensive and collision coverage, and no other discounts are factored in.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 3357,3103,2819,2551],[‘Age 30’, 2313,2125,1913,1707],[‘Age 40’, 2149,1979,1787,1601],[‘Age 50’, 1877,1729,1559,1397],[‘Age 60’, 1815,1673,1511,1355],[‘Age 70’, 2121,1959,1779,1609]]);var options = {title: ‘Impact of Higher Deductibles on Nissan Rogue Insurance Rates in Massachusetts’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Nissan Rogue’,minValue: 0,format: ‘$###,###’},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 pocket $318 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $480 by selecting a $1,000 deductible. Even younger drivers, such as the 20-year-old chart data, have the ability to save $806 every year by using a higher deductible.

When insureds make the decision to increase the deductibles on their policy, it is a good idea to have plenty of money set aside to pay the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.

How to find budget-friendly 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 Massachusetts drivers buy lower-cost coverage.

• Do not pay for full coverage on older vehicles
• Bundle home or renters insurance to earn a discount on car insurance
• Try paying for small claims out-of-pocket
• Get cheaper liability coverage by choosing a safer vehicle
• Drivers with good credit often pay less
• Raise your physical damage coverage deductibles
• Shop around for cheaper rates regularly

That last tip is certainly valuable, as we stressed in the prior information. Rates go up and down frequently, so don’t be unwilling to switch to a new company if a cheaper price is available. Many drivers tend to have loyalty to a certain company, but it’s not recommended if your bullheadedness ends up costing you hundreds every year. Spend a few minutes and compare rates and find cheaper insurance for a Nissan Rogue.

Who has the cheapest Nissan Rogue insurance quotes?

There are quite a few ways to compare cheaper auto insurance rates in Massachusetts, but the most frequently used methods are through an exclusive agency like Allstate or Liberty Mutual, an independent or non-exclusive agent, or direct online or over the phone from a company like Geico or Progressive. Each way is similar, but auto insurance buyers need to understand the differences in how they function.

Independent agents work with multiple companies and can get rate quotes from each one. Agents of this type do not write with just one company and can provide you with more rates, which can help you get a better chance of finding cheaper coverage. If premiums increase, it’s easy for the agent to move the policy which prevents you from having to find an new insurance agent.

Exclusive agencies are only able to give rates for a single company, two examples are Liberty Mutual and Allstate agents. These agents are not able to place coverage with different providers, so you will not be able to compare multiple prices.

Direct auto insurance buyers skip an independent or exclusive agent and instead shop from a direct company like Esurance. This option is good for people who do not have a lot of assets and have knowledge of what auto insurance covers and what it doesn’t.

What is the best way to buy the cheapest insurance for a Nissan Rogue in Massachusetts? We wish we could say buying direct results in the cheapest rates because there is no agent taking a commission, but in reality, that is not true. It would also be easy to say using an independent agent guarantees the lowest rates because you have more choices, but that’s not always true, either. For the right applicant, exclusive agents have really good rates that independents and direct companies can’t touch.

Since auto insurance prices are based on many different factors, the best way to get rock-bottom rates is to compare rate quotes from as many companies as possible. Set aside the time to get prices from all three in order to find the best price. To see some of the cheapest online companies available, click here to view.