2016 Nissan Rogue Insurance Rates – 10 Tips for Best Quotes

Shoppers have lots of choices when shopping for affordable Nissan Rogue insurance. You can either spend your time contacting agents trying to get quotes or save time using the internet to compare rates. There are both good and bad ways to compare insurance coverage rates and we’ll show you the quickest way to get price quotes on a Nissan and locate the lowest possible price either online or from local insurance agents.

Insurance coverage rates and discounts

The cost of insuring your cars can be expensive, but there could be available discounts to reduce the price significantly. Certain discounts will be triggered automatically when you get a quote, but a few must be inquired about prior to receiving the credit.

  • Federal Government Employee – Simply working for the federal government may qualify for a discount when you quote insurance coverage for Rogue coverage depending on your insurance coverage provider.
  • Telematics Data – People who choose to allow driving data submission to spy on when and where they use their vehicle remotely like Drivewise from Allstate or In-Drive from State Farm could save a few bucks if they are good drivers.
  • Discounts for Good Drivers – Insureds without accidents may save up to 50% more for Rogue coverage than drivers with accidents.
  • Seat Belts Save more than Lives – Requiring all passengers to buckle their seat belts can save a little off PIP or medical payments premium.
  • New Vehicle Savings – Buying a new car model may earn a small discount compared to insuring an older model.
  • Early Switch Discount – Some companies reward drivers for signing up before your current expiration date. You can save around 10% with this discount.
  • One Accident Forgiven – Not necessarily a discount, but some companies like GEICO and Liberty Mutual allow you one accident without raising rates as long as you don’t have any claims prior to the accident.
  • Air Bag Discount – Vehicles equipped with air bags or motorized seat belts may qualify for discounts of more than 20%.
  • Claim-Free Discount – Insureds who avoid accidents and claims can save substantially as opposed to frequent claim filers.
  • Low Miles Discount – Maintaining low annual mileage may enable drivers to earn lower rates on the low mileage vehicles.

Discounts save money, but please remember that most credits do not apply to the entire cost. Some only apply to individual premiums such as comp or med pay. If you do the math and it seems like having all the discounts means you get insurance for free, insurance coverage companies aren’t that generous.

A list of insurance coverage companies and some of the discounts are included below.

  • State Farm includes discounts for driver’s education, multiple autos, student away at school, anti-theft, defensive driving training, passive restraint, and good driver.
  • Progressive offers discounts including continuous coverage, good student, multi-policy, online signing, and multi-vehicle.
  • Travelers has savings for continuous insurance, home ownership, save driver, hybrid/electric vehicle, payment discounts, early quote, and multi-car.
  • American Family may include discounts for good driver, mySafetyValet, Steer into Savings, defensive driver, and air bags.
  • Liberty Mutual discounts include multi-policy, exclusive group savings, preferred payment discount, new graduate, teen driver discount, newly married, and newly retired.

If you need lower rates, check with every prospective company what discounts are available to you. Some credits may not apply everywhere. For a list of insurance coverage companies with discount rates, click here to view.

How to buy car insurance

Getting a cheap price on 2016 Nissan Rogue insurance isn’t really that difficult. Drivers just need to take a few minutes to compare rate quotes to find. It’s really simple and can be done using one of these methods.

  1. Probably the best way to find low rates would be an industry-wide quote request form click to view form in new window. This form eliminates the need for repetitive form submissions to each individual car insurance company. One form submission gets rate comparisons from car insurance companies with the best prices.It’s the quickest way to get rates.
  2. A more time consuming way to compare prices is to take the time to go to each company’s website and fill out their own quote form. For instance, we’ll assume you need rates from State Farm, Farmers and American Family. To get rate quotes you would need to navigate to each company’s site to input your insurance information, which can get rather old.

    For a handy list of car insurance company links in your area, click here.

Take whichever approach you prefer, but ensure you’re using exactly the same coverage limits and deductibles for each price quote. If each company quotes different limits and deductibles on each one then you won’t be able to get a fair rate comparison.

Situations that may require an agent’s advice

When buying adequate coverage, there isn’t really a perfect coverage plan. Everyone’s situation is unique.

Here are some questions about coverages that may help highlight whether or not you may require specific advice.

  • Do I have coverage for damage caused while driving under the influence?
  • When would I need rental car insurance?
  • Can I drive in Mexico and have coverage?
  • Is motorclub coverage worth it?
  • Why do I only qualify for high-risk insurance?
  • Does having multiple vehicles earn me a discount?
  • Are my tools covered if they get stolen from my vehicle?

If you can’t answer these questions but you know they apply to you, you might consider talking to a licensed agent. To find an agent in your area, complete this form. It is quick, free and can help protect your family.

The ad said I’d save $495 a year!

Drivers constantly see and hear ads for the lowest price auto insurance from companies such as State Farm, Allstate and GEICO. All the companies try to convey promises of big savings if you change to their company.

That’s great but how can every company cost less than your current company? It’s all in the numbers.

Auto insurance companies have specific criteria for a prospective insured that will most likely be profitable. For example, a profitable risk profile might be over age 30, has no driving citations, and insures a new vehicle. Any customer that fits those parameters will most likely get cheap premium rates and is almost guaranteed to save some money.

Potential customers who don’t measure up to those standards will have to pay higher premium rates and ends up with the customer buying from someone else. Company advertisements say “people that switch” not “everybody who quotes” save that much. That’s the way insurance companies can make those statements. This emphasizes why drivers must get as many free insurance coverage quotes as possible. Because you cannot predict which company will have the best rates at this point in time.

Coverages available on your policy

Knowing the specifics of insurance aids in choosing which coverages you need and proper limits and deductibles. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for bills such as dental work, rehabilitation expenses, funeral costs and prosthetic devices. The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Collision coverage protection

This coverage pays to fix your vehicle from damage resulting from a collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like colliding with another moving vehicle, crashing into a ditch, sideswiping another vehicle, crashing into a building and backing into a parked car. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as damage to your Nissan Rogue.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Auto liability insurance

Liability insurance will cover damage or injury you incur to other people or property by causing an accident. This insurance protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 50/100/50 which stand for $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers things like emergency aid, medical expenses and medical services. How much liability should you purchase? That is your choice, but consider buying as large an amount as possible.

Comprehensive coverage

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as hitting a bird, hail damage, vandalism, damage from flooding and a tree branch falling on your vehicle. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

What is YOUR best insurance company?

Budget-friendly car insurance can be purchased both online and from local agencies, and you should compare rates from both to have the best rate selection. Some car insurance companies may not have rate quotes online and many times these regional carriers prefer to sell through local independent agencies.

Drivers switch companies for a number of reasons such as delays in paying claims, policy cancellation, high prices and not issuing a premium refund. No matter why you want to switch, choosing a new company can be easy and end up saving you some money.

When buying insurance coverage, never reduce needed coverages to save money. In many cases, an insured cut uninsured motorist or liability limits only to discover later that it was a big error on their part. Your goal should be to purchase a proper amount of coverage at the best cost while not skimping on critical coverages.

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