Compare 2014 Nissan Rogue Car Insurance Rates

Searching for lower insurance coverage rates? Consumers have lots of choices when looking for affordable Nissan Rogue insurance. They can either waste time calling around trying to get quotes or save time using the internet to find the lowest rates. There is a right way and a wrong way to shop for insurance coverage so you’re going to learn the proper way to compare rates for your Nissan and locate the best price possible.

Smart consumers take time to compare prices at least once a year since insurance rates tend to go up over time. Just because you had the best rates for Rogue insurance last year you will most likely find a better rate today. There is a lot of bad advice regarding insurance coverage on the web, but with this article, you’re going to get some tested techniques to find affordable insurance coverage.

Nissan Rogue rate determination is complex

Consumers need to have an understanding of the factors that help determine the rates you pay for car insurance. Understanding what impacts premium levels enables informed choices that can help you get big savings.

The following are a partial list of the pieces car insurance companies consider when setting your rates.

  • Your location is important – Residing in a rural area can save you money when talking about car insurance. Less people living in that area means reduced accidents and a lower car theft rate. City drivers have traffic congestion and longer commutes to work. More time commuting means higher likelihood of an accident.
  • What are your deductibles? – Physical damage deductibles represent how much money you are required to spend out-of-pocket in the event of a claim. Coverage for physical damage, also known as collision and other-than-collision, protects your car from damage. Some instances where coverage would apply would be colliding with a building, vandalism, or theft. The higher the amount you are required to pay out-of-pocket, the lower your rates will be for Rogue insurance.
  • Battle of the sexes – Statistics have proven women are more cautious behind the wheel. That doesn’t necessarily mean that women are BETTER drivers than men. They both tend to get into accidents in similar numbers, but men cause more damage. Men also have more aggressive citations like DUI and reckless driving. Young males are most likely to cause an accident and therefore have the most expensive car insurance rates.
  • Safer cars cost less to insure – Safer cars can get you lower premiums. Safe vehicles protect occupants better and better occupant protection translates into fewer and smaller insurance claims and thus lower rates. If the Nissan Rogue 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 you are probably receiving a discount.
  • Frequent car insurance claims increase rates – If you are a frequent claim filer, you can definitely plan on either a policy non-renewal or much higher rates. Auto insurance companies award discounts to policyholders who file claims infrequently. Auto insurance is meant to be used in the event of major claims that would cause financial hardship.
  • Drive less and save money – The higher the mileage driven every year the higher your rate. Almost all companies rate vehicles determined by how the vehicle is used. Cars that are left in the garage receive lower rates as compared to vehicles used primarily for driving to work. Verify your car insurance declarations sheet shows the correct usage for each vehicle, because improper ratings can cost you money. If your policy improperly rates your Rogue can cost quite a bit.
  • Being married is a good thing – Having a wife or husband can actually save you money on your policy. It translates into being more mature than a single person and statistics show drivers who are married are more cautious.
  • Don’t skimp on liability – Your policy’s liability coverage is the protection when you are found liable for personal injury or accident damage. It provides legal defense coverage which can be incredibly expensive. Liability insurance is quite affordable as compared to coverage for physical damage, so do not cut corners here.

Save money by taking advantage of these discounts

Companies do not list all available discounts in a way that’s easy to find, so we took the time to find some of the best known and also the lesser-known savings tricks you should be using. If you aren’t receiving every discount you qualify for, you’re just leaving money on the table.

  • Auto/Life Discount – Some companies give a break if you buy auto and life insurance together.
  • Service Members Pay Less – Having a deployed family member could mean lower rates.
  • Low Mileage Discounts – Fewer annual miles on your Nissan could be rewarded with lower rates on the low mileage vehicles.
  • Payment Method – If paying your policy premium upfront instead of making monthly payments you could save 5% or more.
  • Save over 55 – If you qualify as a senior citizen, you can possibly qualify for reduced rates for Rogue insurance.

It’s important to note that most discount credits are not given to your bottom line cost. Most cut the price of certain insurance coverages like comprehensive or collision. Just because it seems like you can get free auto insurance, you won’t be that lucky.

Car insurance companies that may have these benefits may include but are not limited to:

It’s a good idea to ask every prospective company which discounts they offer. Savings might not be offered in every state.

When should I use an insurance agent?

When it comes to buying coverage, there really is no one size fits all plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that can help discover whether or not you will benefit from professional help.

  • Does my 2014 Nissan Rogue qualify for pleasure use?
  • Am I covered when driving someone else’s vehicle?
  • What is no-fault insurance?
  • When would I need additional glass coverage?
  • How do I buy GAP insurance?
  • Is pleasure use cheaper than using my 2014 Nissan Rogue to commute?
  • When should my teen driver be added to my policy?
  • Am I covered when driving on a suspended license?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, simply complete this short form. It is quick, free and can help protect your family.

Insurance coverage basics

Understanding the coverages of your policy can be of help when determining which coverages you need and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Collision coverage – Collision coverage will pay to fix damage to your Rogue resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like sustaining damage from a pot hole, damaging your car on a curb and sideswiping another vehicle. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. You can also raise the deductible to get cheaper collision coverage.

Medical costs insurance – Coverage for medical payments and/or PIP provide coverage for expenses such as chiropractic care, funeral costs, surgery, rehabilitation expenses and pain medications. They are often used to cover expenses not covered by your health insurance program or if you do not have health coverage. It covers you and your occupants and also covers getting struck while a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision – Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as rock chips in glass, fire damage, hail damage, damage from a tornado or hurricane and vandalism. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

UM/UIM Coverage – This coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your 2014 Nissan Rogue.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Liability coverages – Liability insurance provides protection from damages or injuries you inflict on other’s property or people in an accident. This insurance protects YOU against other people’s claims, 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. As an example, you may have limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability can pay for things such as medical expenses, bail bonds, structural damage, funeral expenses and attorney fees. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Better coverage you can count on

Cost effective 2014 Nissan Rogue insurance is attainable from both online companies and also from your neighborhood agents, so compare prices from both in order to have the best price selection to choose from. Some companies may not provide online price quotes and many times these small insurance companies only sell through independent insurance agents.

Insureds change insurance companies for a variety of reasons including being labeled a high risk driver, unfair underwriting practices, denial of a claim or even poor customer service. Whatever your reason, switching companies can be easier than you think.

You just read a lot of ways to shop for insurance online. The key thing to remember is the more companies you get rates for, the better likelihood of reducing your rate. Consumers may even find the best price on car insurance is with a small mutual company.

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