Best Cheap Insurance for a Nissan Rogue in New Jersey

When we talk about car insurance, the word “cheap” should not appear anywhere to describe car insurance rates. The fact is, cheap car insurance for a Nissan Rogue can be hard to find. But fear not, because we are going to show you how you can quote and buy coverage that is cheaper than your current rate.

The chances of finding affordable auto insurance for a Nissan Rogue in New Jersey depends on a fairly complex equation with a lot of factors such as how you use your vehicle, the insurance company you are currently insured with, and your policy deductibles. Drivers on average pay around $1,250 every 12 months for Rogue insurance, but that policy rate is based on rate data for a 30-year-old married female that wants full physical damage coverage and $500 deductibles.

There is a really good chance that you may not be 30 years old (or even female), single instead of married, or maybe your Rogue doesn’t need full coverage. Having even a minor difference in the factors used to determine rates can cause big differences in policy price.

Car insurance rates are unique for each driver, so the only real way to find cheap insurance prices for your Nissan is to make a habit of comparing rates at every renewal.

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Vehicle trim level tends to have a direct impact on the cost of insurance, so the cost to insure a Rogue S 2WD will be $88 lower than the cost to insure the higher-end Rogue SL AWD trim level, as shown in the prices below.

Data rating is based on married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and New Jersey minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, homeowner, and safe-driver. Rate information does not factor in specific location which can influence premiums noticeably.

Buying coverage from the best insurer can be rather challenging considering how many different insurance companies sell coverage in New Jersey. The rank data shown below can help you choose which car insurance providers you want to consider when shopping around.

The rankings below are only comprised of large insurance companies, so companies that have a smaller presence are not factored into this list. To get rate quotes from the most competitive companies in New Jersey, click this link.

How violations and accidents impact rates

One of the best ways to get the most affordable car insurance prices in New Jersey for a Rogue is to drive cautiously and avoid getting tickets or having accidents. The diagram below highlights how traffic violations and fender-benders influence auto insurance rates for different age groups. The data is based on a married female driver, comprehensive and collision coverage, $100 deductibles, and no other discounts are factored in.

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In the prior example, the average cost of auto insurance per year with a clean driving record and no accidents is $2,639. Receive two speeding tickets and the average cost surges to $3,760, an increase of $1,122 each year. Next add one accident along with the two speeding tickets and the yearly cost of car insurance for a Nissan Rogue jumps again to an average of $4,896. That’s an increase of $2,257, or $188 per month, just for being a careless driver!

The chart below illustrates how choosing a deductible can increase or decrease insurance rates when researching cheap insurance for a Nissan Rogue. The price estimates are based on a married male driver, full coverage, and no discounts are factored in.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 5085,4663,4193,3749],[‘Age 30’, 2649,2427,2167,1919],[‘Age 40’, 2551,2345,2107,1879],[‘Age 50’, 2333,2147,1933,1729],[‘Age 60’, 2293,2109,1899,1697],[‘Age 70’, 2647,2445,2221,2009]]);var options = {title: ‘Impact of Deductibles on Nissan Rogue Insurance Rates in New Jersey’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Nissan Rogue’,minValue: 0,format: ‘$###,###’},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 30-year-old driver could cut expenses by $444 a year by increasing from a $100 deductible up to a $500 deductible, or save $672 by choosing a $1,000 deductible. Younger drivers, like the 20-year-old category, have the ability to save up to $1,336 each year just by using higher deductibles. If you do decide to increase your deductibles, it is a good idea to have enough in a savings account to enable you to cover the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.

Best cheap Nissan Rogue insurance quotes

Thanks to technology, there are a lot of ways to find cheaper car insurance in New Jersey, but the most preferred methods are through an exclusive insurance agency like Liberty Mutual or State Farm, a non-exclusive or independent agent, or from a direct company like Geico or Progressive. They all have the same end result, but car insurance shoppers should know the differences in how they function.

Independent agents have contracts with many companies and can quote your policy with each one. These agents have the freedom to give you more rate choices, which can help you get the best chance of saving money. If your agent finds a cheaper company, the business is moved internally and you do not have to find a new agent.

An exlusive, or captive, agency is only able to write business for a single company, two examples are a State Farm or Farmers agent. Exclusive agents generally are unable to compare other company’s rates, so it’s a good idea to shop around.

Drivers who opt to buy car insurance direct do not use the middleman (the agent) and instead buy direct online or over the phone from a company like Esurance or Progressive. This car insurance option may be the best choice consumers who do not need high levels of coverage and have a decent understanding of what specific coverages and deductibles they need.

What is the best method for finding the best cheap insurance for a Nissan Rogue in New Jersey? Most drivers assume that buying direct yields the cheapest rates because you bypass the middleman, but in reality, that is not true. A good argument could also be made that going through an independent agent is the best way to save since they have more companies to choose from, but again, it’s not a sure thing. In many cases, exclusive agencies may have very competitive prices that are well below what direct and independents offer.

Because it’s impossible to say who has the best car insurance rates, really the only way to ensure you are not overpaying for car insurance is to get rate quotes and compare. Take some time and get price quotes all three ways to give yourself plenty of rates to compare. We compiled a list of companies with some of the cheapest online rates that you can click here to view.

How to find more affordable auto insurance for a Nissan Rogue

The list below summarizes some of the recommended penny-pinching ideas that can help New Jersey drivers find more affordable coverage.

• Better credit scores save money
• Raise comprehensive and collision coverage deductibles
• Do not insure for full coverage
• Choose a safer vehicle and pay lower rates
• Buying car and homeowners insurance together can save money
• Avoid price increases by not filing claims
• Compare rates regularly to ensure the best deal

The last tip is notably valuable, as we pointed out in the prior information. Insurance rates adjust often, so drivers shouldn’t hesitate to buy a policy from a new company if you can save money. Staying with the same company for years is fine, but it’s not a great idea if your bullheadedness ends up costing you several hundred dollars every year. If you have a few minutes, shop around to find cheaper insurance for a Nissan Rogue.

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

If you are shopping around for insurance for a Rogue in New Jersey, probably the best companies to start with are Geico, State Farm, Progressive, and Allstate. The data below shows pricing and service ratings, plus some optional coverages that you can purchase from each one.