Lower Your 2018 Nissan Rogue Insurance Quotes

Want better auto insurance rates for your Nissan Rogue? Scraping up a payment for high-priced Nissan Rogue insurance can stress out your monthly budget and make it tough to pay other bills. Comparison shopping is a smart way to lower your monthly bill.

Big-name insurance companies like Allstate, Liberty Mutual and State Farm continually hit you with advertising and it is difficult to see through the deception and do the work needed to find the best deal.

It’s a great practice to compare rates yearly because prices are constantly changing. Even if you got the lowest rates on Rogue insurance a few years ago there is a good chance you can find better rate quotes now. Forget anything you know (or think you know) about auto insurance because we’re going to demonstrate the quickest way to properly buy coverages while reducing your premium.

If you have a policy now or are just looking to switch companies, you can follow these tips to get lower rates and possibly find even better coverage. Choosing the best insurance company for you is easy if you know what you’re doing. Drivers only need to know the most effective way to compare company rates online.

The method we recommend to compare policy rates is to know the fact most of the larger companies provide online access to compare their rates. To start a quote, the only thing you need to do is take a few minutes to give details including driver ages, your job, whether you are single or married, and if the vehicle is leased. Your rating data is submitted instantly to insurance companies and they return cost estimate quickly.

Find hidden discounts to get affordable insurance coverage rates

Some insurers don’t always list the entire discount list very clearly, so the following is a list of a few of the more well known and the more hidden credits that may apply to you.

  • Safety Restraint Discount – Buckling up and requiring all passengers to wear their seat belts can save a little on medical payment and PIP coverage.
  • Theft Deterent Discount – Vehicles that have factory alarm systems and tracking devices are less likely to be stolen and therefore earn up to a 10% discount.
  • No Claims – Insureds who avoid accidents and claims can earn big discounts as compared to accident-prone drivers.
  • Telematics Data Discounts – Policyholders that allow driving data submission to monitor vehicle usage by installing a telematics device such as Drivewise from Allstate or Snapshot from Progressive might see lower rates as long as they are good drivers.
  • Student Discount for Driver Training – Require your teen driver to take driver’s ed class as it will make them better drivers and lower rates.
  • Memberships – Belonging to a professional or civic organization is a simple method to lower premiums on your next renewal.
  • 55 and Retired – Drivers over the age of 55 can possibly qualify for a small discount on rates on Rogue insurance.
  • Passive Restraint Discount – Vehicles with factory air bags or automatic seat belts may qualify for discounts of 25 to 30%.

You can save money using discounts, but many deductions do not apply to all coverage premiums. Some only apply to the cost of specific coverages such as comprehensive or collision. So when it seems like all the discounts add up to a free policy, you won’t be that lucky.

A few popular companies and their offered discounts are outlined below.

  • Geico has savings for membership and employees, federal employee, five-year accident-free, anti-theft, and anti-lock brakes.
  • Travelers may have discounts that include new car, early quote, multi-car, good student, home ownership, hybrid/electric vehicle, and IntelliDrive.
  • Nationwide may offer discounts for anti-theft, Farm Bureau membership, easy pay, multi-policy, business or organization, and accident-free.
  • Farmers Insurance has discounts for good student, early shopping, business and professional, bundle discounts, and homeowner.
  • Esurance discounts include good student, multi-policy, claim free, paid-in-full, emergency road assistance, and online quote.
  • State Farm offers premium reductions for Drive Safe & Save, good driver, safe vehicle, multiple autos, and Steer Clear safe driver discount.
  • Progressive may include discounts for online signing, homeowner, online quote discount, multi-vehicle, continuous coverage, multi-policy, and good student.
  • Mercury Insurance offers discounts including location of vehicle, professional/association, annual mileage, good student, ease of repair, anti-theft, and multi-policy.

Check with each company or agent what discounts are available to you. Some discounts might not be offered on policies in your area.

Components of your Nissan Rogue insurance premiums

The best way to find cheaper auto insurance is to take a look at a few of the rating criteria that aid in calculating your premiums. If you understand what impacts premium levels, this enables you to make decisions that could result in lower auto insurance prices.

  • Safer the car lower the rate – Cars with five star safety ratings cost less to insure. Vehicles built for safety reduce the chance of injuries and fewer serious injuries means less money paid by your insurance company and cheaper rates on your policy. If your Nissan Rogue earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
  • Annual mileage and car insurance costs – Driving more miles each year the more you’ll pay to insure your vehicle. Most companies rate vehicles based upon how you use the vehicle. Cars and trucks used primarily for pleasure use receive lower rates than those used for commuting. An incorrectly rated Rogue may be wasting your money. Verify your declarations sheet shows the correct driver usage, because it can save money.
  • Your location is a factor – Having an address in smaller towns and rural areas of the country is a positive aspect when buying auto insurance. Less people living in that area means less chance of accidents in addition to fewer liability claims. People in densly populated areas regularly have more traffic problems and longer commutes to work. The longer drive time means a statistically higher chance of an accident.
  • Teenage drivers pay high prices – Older people are more cautious drivers, are lower risk to insure and are safer drivers.Teen drivers tend to be less responsible in a vehicle and because of this, their auto insurance rates are much higher.

Tailor your insurance coverage coverage to you

When it comes to choosing coverage, there is no one size fits all plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. Here are some questions about coverages that can help discover if you would benefit from professional advice.

  • What is covered by UM/UIM coverage?
  • Am I covered when driving on a suspended license?
  • Do I need to file an SR-22 for a DUI in my state?
  • Are split liability limits better than a combined single limit?
  • Will I lose any money if I cancel my policy before it expires?
  • Am I getting all the discounts available?
  • How can I get high-risk coverage after a DUI?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of insurance coverage companies in your area. It only takes a few minutes and may give you better protection.

Are you falling for claims of savings?

Consumers get pounded daily by advertisements for car insurance savings from the likes of State Farm, Geico and Progressive. All the companies have a common claim that you can save just by moving your car insurance policy to them.

How does each company make almost identical claims? It’s all in the wording.

All companies have strict underwriting profiles for the type of driver they prefer to insure. An example of this type of driver could possibly be a female over age 40, has never had a policy lapse, and drives a safe vehicle. Someone who fits those characteristics will get the preferred premium rates and will most likely save a lot if they switch.

People who are not a match for these criteria will be quoted higher premiums and ends up with business going elsewhere. The trick is to say “drivers who switch” but not “all drivers who get quotes” save that much money. That’s the way insurance companies can advertise the savings.

Because of the profiling, you really need to get a wide range of price quotes. Because without a comparison, you cannot know with any certainty which company will give you the biggest savings.

Car insurance coverages for a 2018 Nissan Rogue

Knowing the specifics of your insurance policy can be of help when determining the best coverages and the correct deductibles and limits. Insurance terms can be confusing and even agents have difficulty translating policy wording. These are typical coverage types found on the average insurance policy.

Medical expense insurance

Medical payments and Personal Injury Protection insurance provide coverage for bills like X-ray expenses, EMT expenses and ambulance fees. They can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Coverage applies to you and your occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection when other motorists either have no liability insurance or not enough. It can pay for hospital bills for your injuries as well as damage to your Nissan Rogue.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Most of the time these coverages are identical to your policy’s liability coverage.

Collision protection

Collision coverage will pay to fix damage to your Rogue caused by collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as crashing into a building, crashing into a ditch and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Comprehensive (Other than Collision)

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things such as vandalism, theft and hitting a bird. The most you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Auto liability insurance

This coverage protects you from injuries or damage you cause to people or other property. It protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 50/100/50 which means a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for claims such as legal defense fees, attorney fees and structural damage. How much coverage you buy is a decision to put some thought into, but buy as large an amount as possible.

One last thing

In this article, we covered some good ideas how you can save on 2018 Nissan Rogue insurance. The key concept to understand is the more you quote insurance coverage, the higher your chance of finding the cheapest insurance coverage. You may be surprised to find that the best price on auto insurance is with the least-expected company. They may cover specific market segments cheaper than the large multi-state companies such as Progressive or Geico.

As you shop your coverage around, it’s a bad idea to skimp on critical coverages to save a buck or two. There have been many cases where an insured cut full coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your goal should be to purchase a proper amount of coverage for the lowest price, not the least amount of coverage.

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