2013 Nissan Rogue Car Insurance Rates – 10 Discounts for Cheaper Quotes

Searching for lower car insurance rates? Consumers have options when looking for the lowest priced Nissan Rogue insurance. You can either spend your time struggling with agents getting price quotes or leverage the internet to get rate quotes. There is a better way to find car insurance online so you’re going to learn the best way to compare rates for a Nissan and get the lowest possible price from local insurance agents and online providers.

Pay less for Nissan Rogue insurance

Companies offering auto insurance don’t always list every available discount in an easy-to-find place, so we took the time to find both well-publicized as well as the least known insurance savings. If they aren’t giving you every credit available, you’re paying more than you need to.

  • Own a Home – Being a homeowner can save you money because maintaining a house is proof that your finances are in order.
  • Driver Safety – Successfully completing a course teaching defensive driving skills can save you 5% or more and easily recoup the cost of the course.
  • E-sign – A few companies give back up to $50 for buying a policy and signing up digitally online.
  • Safe Driver Discount – Drivers who avoid accidents can pay as much as 50% less for Rogue insurance than their less cautious counterparts.
  • Military Rewards – Being on active duty in the military can result in better rates.
  • No Accidents – Claim-free drivers pay less as compared to frequent claim filers.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time rather than paying monthly you could save 5% or more.
  • Driver’s Ed – Have your child successfully complete driver’s ed class if it’s offered in school.
  • Student in College – Any of your kids who are attending college and do not have a car can be insured at a reduced rate.
  • 55 and Retired – If you’re over the age of 55, you may qualify for better insurance rates for Rogue insurance.

It’s important to note that some of the credits will not apply the the whole policy. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. Just because it seems like all those discounts means the company will pay you, companies don’t profit that way.

Car insurance companies who might offer these benefits include:

Before buying, ask every prospective company how you can save money. Some discounts might not be offered in every state.

How to Get Insurance

Getting a lower price on 2013 Nissan Rogue insurance can be surprisingly simple. Drivers just need to spend a few minutes on the computer to compare rate quotes online with multiple companies. This can be accomplished in several different ways.

The easiest and least time consuming way to get quotes for comparison is an all-inclusive rate comparison click to view form in new window. This easy form keeps you from doing repetitive form submissions to each individual insurance company. One quote request will return quotes from several companies. This is by far the quickest method.

Another way to shop for insurance online consists of going to the website for each individual company to complete a price quote. For sake of this example, let’s say you want to compare Auto-Owners, Allstate and American Family. To get each rate you have to go to every website to enter your coverage information, and that’s why the first method is more popular.

For a list of links to insurance companies in your area, click here.

The most time-consuming method to compare rates is to spend your day driving to different agent offices. Shopping for insurance online eliminates the need for an insurance agent unless you have a need for the trained guidance only provided by licensed agents. However, consumers can comparison shop online and still use a local agent. We’ll cover that shortly.

It’s up to you how you get prices quotes, just be sure to compare the exact same deductibles and coverage limits for each price quote. If each company quotes different liability limits then you won’t be able to determine which rate is truly the best.

Tailor your coverage to you

When it comes to choosing proper insurance coverage, there is no “perfect” insurance plan. Everyone’s needs are different.

For instance, these questions can help discover if your insurance needs may require specific advice.

  • How much liability coverage do I need in my state?
  • Should I buy more coverage than the required minimum liability coverage?
  • What discounts do I qualify for?
  • Is a blown tire covered by insurance?
  • Does my policy cover me when driving someone else’s vehicle?
  • Can I afford to pay high deductible claims out of pocket?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • What is an SR-22 filing?
  • Can I afford to buy a different vehicle if my 2013 Nissan Rogue is totaled?
  • Am I covered when delivering products for my home-based business?

If you can’t answer these questions but one or more may apply to you, you might consider talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form. It’s fast, free and may give you better protection.

Do drivers who switch really save?

Consumers constantly see and hear ads for car insurance savings from companies such as State Farm, Allstate and Geico. They all make the same claim about savings if you move your policy.

But how can every company make almost identical claims? This is how they do it.

Insurance companies have a certain “appetite” for the type of driver that earns them a profit. A good example of a profitable customer might be between 25 and 40, owns a home, and has excellent credit. Any driver who meets those qualifications will get very good rates and as a result will probably save when they switch companies.

Potential customers who fall outside the requirements will be charged higher rates which usually ends up with the customer not buying. The ads say “people who switch” not “people who quote” save that much. This is how insurance companies can make the claims of big savings. That is why drivers must get as many comparisons as possible. You cannot predict which insurance companies will fit your personal profile best.

The coverage is in the details

Having a good grasp of your policy aids in choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Medical costs insurance – Coverage for medical payments and/or PIP provide coverage for bills such as pain medications, X-ray expenses and prosthetic devices. They are often used in conjunction with a health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision – This will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like damage from flooding, hail damage, hitting a deer and theft. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision coverages – This covers damage to your Rogue caused by collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims like damaging your car on a curb, rolling your car, driving through your garage door, scraping a guard rail and crashing into a building. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Liability coverage – This will cover damage that occurs to people or other property. It protects YOU from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 50/100/50 which means a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for things like pain and suffering, court costs and emergency aid. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as large an amount as possible.

UM/UIM Coverage – This protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your Nissan Rogue.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Don’t break the bank

We just showed you some good ideas how you can reduce 2013 Nissan Rogue insurance prices online. It’s most important to understand that the more price quotes you have, the better your chances of lowering your rates. Drivers may discover the lowest premiums are with the least-expected company.

Lower-priced insurance can be sourced on the web and with local insurance agents, and you need to comparison shop both to have the best selection. Some insurance companies do not offer online price quotes and most of the time these small, regional companies sell through independent agents.

While you’re price shopping online, it’s not a good idea to buy lower coverage limits just to save a few bucks. There have been many cases where an insured dropped full coverage and learned later that the few dollars in savings costed them thousands. The ultimate goal is to get the best coverage possible at a price you can afford while not skimping on critical coverages.

More detailed auto insurance information can be found in these articles: