Save on 2014 Nissan Rogue Select Insurance Cost

Nobody I know looks forward to paying for insurance coverage, in particular when they are paying too much. You have so many auto insurance companies to pick from, and though it is a good thing to have a selection, lots of choices makes it harder to compare company pricing.

You need to do rate comparisons at least once a year because rates change frequently. Even if you think you had the lowest price on Rogue Select insurance on your last policy a different company probably has better rates today. Forget all the misinformation about insurance coverage because you’re about to find out the easiest way to find great coverage at a great price.

Compare Quotes for Insurance Coverage

There are a variety of methods to compare 2014 Nissan Rogue Select insurance coverage prices but there is one way that is less labor-intensive and much quicker. You can spend countless hours driving to agents in your area, or you can utilize online quotes to accomplish the same thing much quicker.

Most of the best insurance companies are enrolled in a marketplace that allows shoppers to send in one quote, and each participating company returns a rated price for coverage. This prevents consumers from doing form submissions to every company.

To use this form to compare 2014 Nissan Rogue Select insurance rates click to open in new window.

One minor caviat to using this type of form is that consumers can’t choose the providers to get pricing from. If you wish to select specific insurance companies to receive pricing from, we have assembled a list of insurance coverage companies in your area. Click to view list.

It’s your choice how you get your quotes, but make darn sure you compare the exact same deductibles and coverage limits on every quote you get. If you have different values for each quote you will not be able to decipher which rate is best.

Companies offer discounts so take them!

Insurance can cost an arm and a leg, buy you may qualify for discounts to reduce the price significantly. Certain discounts will be triggered automatically at quote time, but some must be requested specifically in order for you to get them. If you don’t get every credit you deserve, you are paying more than you should be.

  • Early Switch Discount – Some insurance companies reward drivers for switching to them before your current policy expires. It’s a savings of about 10%.
  • Good Student – Performing well in school can be rewarded with saving of up to 25%. Earning this discount can benefit you until age 25.
  • Discount for New Cars – Buying coverage on a new vehicle can save up to 30% compared to insuring an older model.
  • Multi-car Discount – Having more than one vehicle on one policy could earn a price break for each car.
  • Senior Discount – Older drivers may be able to get reduced rates on Rogue Select insurance.
  • Anti-theft System – Anti-theft and alarm systems help deter theft and qualify for as much as a 10% discount.
  • Claim Free – Drivers with accident-free driving histories pay less when compared to bad drivers.
  • Service Members Pay Less – Having a family member in the military could mean lower rates.
  • No Charge for an Accident – A few companies permit an accident before raising your premiums if you are claim-free for a particular time prior to the accident.

It’s important to understand that some credits don’t apply to all coverage premiums. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, you’re out of luck. Any amount of discount will bring down the cost of coverage.

To see a list of providers who offer insurance discounts, click this link.

Nissan Rogue Select rate determination is complex

Smart consumers have a good feel for some of the elements that go into determining the rates you pay for auto insurance. Understanding what impacts premium levels enables informed choices that may reward you with lower auto insurance prices.

Listed below are a partial list of the pieces auto insurance companies consider when setting rates.

  • An active claims history can cost you – If you file claims often, you can pretty much guarantee either a policy non-renewal or much higher rates. Insurance companies give cheaper rates to policyholders who do not rely on their insurance for small claims. Auto insurance is intended for the large, substantial claims.
  • Drive a safer car and pay less – Cars with high safety ratings tend to have better insurance rates. Safe vehicles protect occupants better and better occupant protection translates into fewer and smaller insurance claims and thus lower rates. If your Nissan Rogue Select earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
  • Special features that cut premiums – Choosing a vehicle with a theft deterrent system can get you a discount on your auto insurance. Theft prevention devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart auto theft.
  • Liability insurance protects assets – Liability coverage is the protection when you are found to be at fault for damages caused by your negligence. Liability insurance provides you with a defense in court which can cost thousands of dollars. Liability insurance is quite affordable when compared with rates for comp and collision, so do not cut corners here.
  • Never go without insurance – Driving without insurance is against the law and as a result your rates will increase for letting your coverage have a gap. And not only will insurance be more expensive, getting caught without coverage might get you a hefty fine and possibly a revoked license.You may then be required to provide proof of insurance in the form of an SR-22 filing with your state department of motor vehicles.
  • Do men or women drive better? – Statistics have proven women tend to be less risk to insure than men. However, don’t assume that men are WORSE drivers than women. Women and men are in accidents in similar percentages, but the males cause more damage and cost insurance companies more money. They also get more serious tickets such as DWI and reckless driving.
  • Higher deductibles cost less – Deductibles for physical damage represent how much money you are required to spend out-of-pocket before a claim is paid by your company. Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. Some instances where coverage would apply are colliding with a building, vandalism, and windstorm damage. The more expense you are required to pay out-of-pocket, the bigger discount you will receive on Rogue Select insurance.

Do I just need basic coverages?

When it comes to buying adequate coverage, there really is not a single plan that fits everyone. Everyone’s situation is a little different so this has to be addressed. Here are some questions about coverages that may help highlight if you will benefit from professional help.

  • Do I have coverage when making deliveries for my home business?
  • Does coverage extend to a rental car in a foreign country?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Is a blown tire covered by insurance?
  • Which companies will insure high-risk drivers?
  • Can I afford to buy a different vehicle if my 2014 Nissan Rogue Select is totaled?
  • When does my teenage driver need to be added to my policy?
  • Is my nanny covered when driving my vehicle?

If it’s difficult to answer those questions then you might want to talk to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of insurance coverage companies in your area. It only takes a few minutes and can help protect your family.

Car insurance 101

Learning about specific coverages of a insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. Insurance terms can be impossible to understand and coverage can change by endorsement. Shown next are the usual coverages offered by insurance companies.

Collision coverage protection

This pays for damage to your Rogue Select caused by collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like rolling your car, scraping a guard rail and backing into a parked car. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Auto liability insurance

Liability coverage provides protection from damages or injuries you inflict on other people or property in an accident. It protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 100/300/100 that means you have a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers things such as pain and suffering, legal defense fees and structural damage. The amount of liability coverage you purchase is your choice, but you should buy as large an amount as possible.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP reimburse you for expenses like surgery, nursing services, X-ray expenses and hospital visits. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your Nissan Rogue Select.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Most of the time these coverages are set the same as your liablity limits.

Comprehensive insurance

Comprehensive insurance pays for damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as hitting a bird, fire damage, theft and hail damage. The most your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Take this to the bank

While you’re price shopping online, you should never buy lower coverage limits just to save a few bucks. Too many times, an accident victim reduced collision coverage and discovered at claim time they didn’t have enough coverage. The ultimate goal is to buy the best coverage you can find at an affordable rate while not skimping on critical coverages.

In this article, we presented some good ideas how you can get a better price on 2014 Nissan Rogue Select insurance. The most important thing to understand is the more price quotes you have, the better likelihood of reducing your rate. Drivers may discover the lowest priced auto insurance comes from a smaller regional carrier. Some small companies can often insure niche markets at a lower cost than their larger competitors like State Farm, Geico and Nationwide.

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