Cheap 2017 Nissan Rogue Car Insurance Quotes

Consumers have a choice when looking for the lowest priced Nissan Rogue insurance. You can either spend your time driving around trying to get quotes or use the internet to find the lowest rates. There are more efficient ways to shop for insurance so you’re going to learn the absolute fastest way to get price quotes for your Nissan and find the lowest possible price from both online companies and local agents.

It is always a good idea to do price comparisons on a regular basis because prices are constantly changing. Just because you had the best deal on Rogue coverage a year ago a different company probably has better rates today. Don’t believe everything you read about insurance online, but I’m going to show you some good information on how to lower your insurance bill.

Lower-cost auto insurance quotes with discounts

The cost of insuring your cars can be expensive, but you might find some hidden discounts that could drop your premiums quite a bit. Some trigger automatically at quote time, but some need to be inquired about prior to receiving the credit.

  • Telematics Discount – Drivers who agree to allow their auto insurance company to scrutinize their driving habits through the use of a telematics system like In-Drive from State Farm and Progressive’s Snapshot may see discounts if their driving habits are good.
  • Early Switch Discount – Some insurance companies give discounts for renewing your policy prior to your current policy expiring. The savings is around 10%.
  • ABS Brakes – Cars equipped with ABS or steering control can stop better under adverse conditions so you can save 10 percent or more.
  • Paperwork-free – Some of the larger companies give back up to $50 for signing up digitally online.
  • Defensive Driver Discounts – Passing a defensive driving class could save 5% or more and easily recoup the cost of the course.

One last thing about discounts, many deductions do not apply the the whole policy. Some only reduce individual premiums such as comprehensive or collision. Even though the math looks like you would end up receiving a 100% discount, auto insurance companies aren’t that generous. But all discounts will bring down the cost of coverage.

Larger auto insurance companies and a summarized list of policyholder discounts are:

  • Geico has discounts for defensive driver, seat belt use, driver training, daytime running lights, emergency military deployment, and anti-lock brakes.
  • Mercury Insurance policyholders can earn discounts including good student, low natural disaster claims, anti-theft, multi-car, annual mileage, professional/association, and ease of repair.
  • Farmers Insurance offers discounts for early shopping, electronic funds transfer, switch companies, business and professional, mature driver, bundle discounts, and distant student.
  • Auto-Owners Insurance has savings for company car, safe vehicle, multi-policy, student away at school, mature driver, and safe driver.
  • Liberty Mutual includes discounts for multi-policy, new vehicle discount, good student, newly married, and preferred payment discount.
  • SAFECO offers premium reductions for accident prevention training, teen safe driver, multi-car, bundle discounts, and teen safety rewards.
  • Progressive may offer discounts for good student, online quote discount, online signing, multi-vehicle, homeowner, continuous coverage, and multi-policy.
  • USAA discounts include safe driver, family discount, loyalty savings, multi-vehicle, and good student.

Check with all the companies which discounts you qualify for. Some discounts listed above might not be offered on policies in your area. If you would like to choose from a list of providers that offer discounts, click this link.

Tailor your car insurance coverage to you

When it comes to buying the best car insurance coverage, there really is no single plan that fits everyone. Everyone’s situation is a little different.

Here are some questions about coverages that could help you determine if you might need an agent’s assistance.

  • Should I have combined single limit or split liability limits?
  • Where can I get insurance after a DUI in my state?
  • Does car insurance cover theft of personal property?
  • Can I afford low physical damage deductibles?
  • Why do I only qualify for high-risk insurance?
  • Will my insurance pay for OEM parts?
  • How do I insure my teen driver?
  • Are my friends covered when driving my 2017 Nissan Rogue?

If you’re not sure about those questions then you might want to talk to an agent. To find an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Insurance coverage options for a Nissan Rogue

Knowing the specifics of a insurance policy helps when choosing the best coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. It can pay for injuries to you and your family as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Liability

Liability insurance protects you from damages or injuries you inflict on other’s property or people by causing an accident. It protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers things like repair bills for other people’s vehicles, structural damage, repair costs for stationary objects and medical services. How much liability coverage do you need? That is a decision to put some thought into, but buy higher limits if possible.

Collision coverage protection

This coverage will pay to fix damage to your Rogue from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as crashing into a ditch, backing into a parked car, crashing into a building and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. It’s also possible to bump up the deductible to bring the cost down.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP provide coverage for expenses for X-ray expenses, surgery and dental work. They are utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Comprehensive auto coverage

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as vandalism, a tree branch falling on your vehicle, damage from flooding, theft and hitting a deer. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Shop around and save

Some insurance companies may not have online quoting and usually these regional carriers sell through independent insurance agencies. Lower-priced insurance can be purchased from both online companies in addition to local insurance agencies, and you should compare price quotes from both to get a complete price analysis.

As you quote insurance coverage, it’s a bad idea to skimp on critical coverages to save a buck or two. There have been many situations where someone dropped full coverage only to discover later they didn’t have enough coverage. Your focus should be to buy enough coverage for the lowest cost, but do not sacrifice coverage to save money.

People change insurance companies for any number of reasons including an unsatisfactory settlement offer, unfair underwriting practices, not issuing a premium refund or delays in paying claims. Regardless of your reason for switching companies, finding a new insurance company is pretty easy and you might even save some money in the process.

To learn more, link through to the resources below: