2008 Nissan Rogue Car Insurance Quotes – 6 Savings Tips

Looking for lower insurance rates for your Nissan Rogue? Wish you could get out of an overpriced insurance policy? It’s quite common and you are not the only one feeling buyer’s remorse. Many auto insurance companies vie to insure your vehicles, so it can be very hard to choose a company and uncover the absolute lowest rate

If you have insurance now or are just looking to switch companies, you can use these techniques to get lower rates while maximizing coverage. Finding the best rates is easy if you know what you’re doing. Vehicle owners only need to know the best way to compare prices over the internet.

Take these six policy discounts and save

Auto insurance is neither fun to buy or cheap, but you may qualify for discounts to reduce the price significantly. Larger premium reductions will be automatically applied at the time of quoting, but lesser-known reductions have to be manually applied before you will receive the discount.

  • Payment Method – By making one initial payment rather than spreading payments over time you may reduce your total bill.
  • Good Grades Discount – Getting good grades may save you up to 25%. Earning this discount can benefit you up to age 25.
  • Waiver for an Accident – Not really a discount, but some companies like GEICO and Allstate allow you one accident before hitting you with a surcharge with the catch being you have to be claim-free prior to the accident.
  • Service Members Pay Less – Being on active deployment in the military could qualify you for better rates.
  • Club Memberships – Being a member of a professional or civic organization is a good way to get lower rates on your next renewal.
  • Discounts for Cautious Drivers – Accident-free drivers can pay as much as 50% less on Rogue coverage compared to rates paid by drivers with frequent claims.

While discounts sound great, it’s important to understand that most discount credits are not given to the entire cost. A few only apply to the cost of specific coverages such as liability and collision coverage. If you do the math and it seems like you can get free auto insurance, companies wouldn’t make money that way. But all discounts should help reduce your policy cost.

Larger auto insurance companies and some of their more popular discounts are:

  • Progressive policyholders can earn discounts including multi-vehicle, online signing, online quote discount, homeowner, good student, and multi-policy.
  • GEICO may offer discounts for multi-policy, driver training, air bags, five-year accident-free, emergency military deployment, anti-lock brakes, and daytime running lights.
  • State Farm offers discounts including good driver, passive restraint, accident-free, anti-theft, Steer Clear safe driver discount, multiple policy, and driver’s education.
  • Esurance has savings for online shopper, DriveSense, anti-theft, defensive driver, homeowner, safety device, and paid-in-full.
  • The Hartford discounts include good student, vehicle fuel type, bundle, anti-theft, air bag, and defensive driver.

If you want cheaper auto insurance quotes, ask every prospective company to apply every possible discount. All car insurance discounts might not apply in your state. If you would like to view insurers that offer discounts, click this link.

Which policy gives me the best coverage?

When it comes to choosing adequate coverage, there really is not a perfect coverage plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For instance, these questions might point out if you will benefit from professional help.

  • When does my teenage driver need to be added to my policy?
  • Does my car insurance cover rental cars?
  • How many claims can I have before being cancelled?
  • Can I get a multi-policy discount?
  • Does liability extend to a camper or trailer?
  • Do I have coverage when making deliveries for my home business?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Can I afford to buy a different vehicle if my 2008 Nissan Rogue is totaled?
  • Should I drop comprehensive coverage on older vehicles?
  • What is PIP insurance?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier It is quick, free and you can get the answers you need.

Save $492 a year! What?

Consumers can’t avoid all the ads that promise big savings from the likes of Allstate and Progressive. All the ads seem to make the promise about saving some big amount after switching your coverage.

How is it plausible that every one can save you money? Here is the trick they use.

Different companies give the cheapest rates for a prospective insured they prefer to insure. A good example of a driver they prefer may be a female over age 40, has never had a claim, and drives a car with an anti-theft system. A propective insured that meets those criteria will probably get the lowest prices and as a result will probably save quite a bit of money when switching.

Potential customers who don’t qualify for these standards will be charged higher premium rates which leads to the customer not buying. If you pay attention, the ads say “customers that switch” not “everyone that quotes” save money. That’s the way insurance companies can confidently make those claims.

This really illustrates why you need to do a rate comparison at every renewal. Because without a comparison, you cannot know with any certainty which company will provide the lowest car insurance rates.

Auto insurance policy coverages for a Nissan Rogue

Learning about specific coverages of your policy aids in choosing appropriate coverage and proper limits and deductibles. Policy terminology can be ambiguous and coverage can change by endorsement. Shown next are typical coverage types offered by auto insurance companies.

Medical expense insurance

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for things like EMT expenses, prosthetic devices, X-ray expenses and ambulance fees. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability

Liability insurance provides protection from injuries or damage you cause to other people or property by causing an accident. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 50/100/50 which means a $50,000 limit per person for injuries, $100,000 for the entire accident, and property damage coverage for $50,000. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability can pay for claims like legal defense fees, repair bills for other people’s vehicles and medical services. How much coverage you buy is up to you, but you should buy as much as you can afford.

Collision protection

Collision insurance will pay to fix damage to your Rogue caused by 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 protects against claims like rolling your car, crashing into a ditch and driving through your garage door. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to raise the deductible to save money on collision insurance.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and damage to your Nissan Rogue.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time these coverages are similar to your liability insurance amounts.

Comprehensive (Other than Collision)

This covers damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as theft, a tree branch falling on your vehicle, hail damage and damage from flooding. The highest amount your auto insurance company will pay is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Be Smart and Buy Smart

Discount 2008 Nissan Rogue insurance is available both online and from local agencies, so you should compare both in order to have the best price selection to choose from. Some insurance companies may not offer price quotes online and usually these regional insurance providers only sell through independent agents.

We covered some good ideas how you can lower your 2008 Nissan Rogue insurance premium rates. The key thing to remember is the more price quotes you have, the higher the chance of saving money. Drivers may discover the lowest premium rates come from the least-expected company. Smaller companies can often insure niche markets at a lower cost than the large multi-state companies such as Allstate and Progressive.

More information can be found at the links below