2011 Nissan Rogue Insurance Quotes

Perplexed by the sheer number of insurance companies? Many other consumers are too. Drivers have so many choices that it can easily become a real challenge to compare prices.

Finding Insurance Deals

The are a couple different ways to compare rate quotes from different insurance companies. The recommended way to find competitive 2011 Nissan Rogue insurance rates involves getting comparison quotes online. This can be done in just a few minutes using one of these methods.

Probably the best way to get quotes for comparison is to use a rate comparison form like this one (opens in new window). This method saves time by eliminating boring form submissions for each company. Filling out one form gets rate comparisons from multiple low-cost companies. Just one form and you’re done.

A different way to find lower rates requires a trip to each company website to complete a price quote. For instance, we’ll assume you want to compare Farmers, Esurance and Progressive. To find out each rate you need to spend time on each company’s site and enter your information, which is why the first method is more popular. For a handy list of car insurance company links in your area, click here.

It’s your choice how you get your quotes, but ensure you’re using exactly the same coverages with every price quote. If you are comparing different liability limits then you won’t be able to determine the best price for your Nissan Rogue. Just a small difference in limits can mean a large discrepancy in price. And when comparison shopping, comparing a large number of companies will improve the odds of getting a lower rate.

Cut prices on 2011 Nissan Rogue insurance

Insurance can cost an arm and a leg, buy you may qualify for discounts to help bring down the price. Some trigger automatically when you complete an application, but less common discounts must be specially asked for before you will receive the discount.

Homeowners Savings – Simply owning a home can help you save on insurance because owning a home demonstrates responsibility.
Good Students Pay Less – Getting good grades can get you a discount of up to 25%. The good student discount can last until age 25.
Paperwork-free – Some insurance companies will give a small break for buying a policy and signing up on their website.
Discounts for Safe Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates for Rogue insurance than their less cautious counterparts.
Low Mileage – Keeping the miles down on your Nissan could be rewarded with discounted rates on garaged vehicles.
Early Switch Discount – Some insurance companies reward drivers for signing up prior to your current policy expiration. It’s a savings of about 10%.

A little note about advertised discounts, most discount credits are not given to the entire cost. Some only apply to the price of certain insurance coverages like medical payments or collision. So when it seems like having all the discounts means you get insurance for free, you’re out of luck. Any qualifying discounts will cut your overall premium however.

A partial list of companies that may offer these benefits include:

Double check with every prospective company which discounts you may be entitled to. Discounts might not be offered everywhere.

Tailor your coverage to you

When it comes to buying coverage, there really is not a “best” method to buy coverage. Everyone’s needs are different.

For instance, these questions may help highlight whether your personal situation might need an agent’s assistance.

Why does it cost so much to insure a teen driver?
Should I carry comprehensive and collision coverage?
How much can I save by bundling my policies?
What is high-risk coverage and where do I buy it?
Do I have coverage when using my vehicle for my home business?
Does coverage extend to Mexico or Canada?
Should I bundle my homeowners policy with my auto?
Should I buy only the required minimum liability coverage?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to a licensed agent. If you don’t have a local agent, complete this form.

Car insurance coverages 101

Understanding the coverages of car insurance can help you determine which coverages you need and proper limits and deductibles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Comprehensive (Other than Collision)

This pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like a broken windshield, hitting a deer, rock chips in glass, theft and damage from flooding. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage pay for bills such as EMT expenses, X-ray expenses and nursing services. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. It covers all vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is only offered in select states and may carry a deductible

Protection from uninsured/underinsured drivers

This coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Nissan Rogue.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Normally these limits are similar to your liability insurance amounts.

Coverage for liability

Liability coverage will cover damage that occurs to people or other property in an accident. This coverage protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Occasionally you may see one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for things like repair bills for other people’s vehicles, repair costs for stationary objects and loss of income. How much liability should you purchase? That is a decision to put some thought into, but you should buy higher limits if possible.

Coverage for collisions

Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like damaging your car on a curb, scraping a guard rail and crashing into a ditch. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible in order to get cheaper collision rates.