2010 Nissan Rogue Car Insurance Rates

Trying to find the cheapest insurance rates for your Nissan Rogue? Are you irritated from robbing Peter to pay Paul to buy insurance? Your situation is no different than millions of other consumers.

Many insurance companies vie for your business, so it can be very hard to choose a insurer and get the definite best rates possible.

It’s a good habit to quote other rates yearly because rates change frequently. Even if you think you had the best rate on Rogue coverage a year ago you can probably find a better price now. Forget all the misinformation about insurance because you’re going to get a crash course in the proper way to find lower rates on insurance.

If you currently have a car insurance policy, you stand a good chance to be able to cut costs considerably using these techniques. Finding affordable coverage is not rocket science. But consumers benefit from understanding the way companies determine prices and apply this information to your search.

Low cost insurance coverage prices

Shopping for lower insurance coverage rates can be exhausting if you don’t know the most efficient way. You could spend your day talking about coverages with agents in your area, or you can stay home and use the web to quickly compare rates.

Many of the larger companies belong to a marketplace that allows shoppers to enter their policy data once, and every company returns a rated price for coverage. This saves time by eliminating form submissions for every insurance coverage company.

To submit your quote information now, click to open in new window.

The only drawback to using this type of form is that consumers can’t choose which insurance companies to get quotes from. So if you prefer to choose from a list of companies to compare, we have assembled a list of low cost insurance coverage companies in your area. Click here to view list.

You can choose any of those ways to find more affodable coverage, but ensure you are comparing apples-to-apples information on every price quote you get. If you have different deductibles it’s impossible to decipher which rate is best. Just slight variations in limits may result in large price differences. It’s important to know that comparing more quotes gives you a better chance of getting more affordable rates.

Drivers can save with these discounts

Auto insurance is expensive, but you might already qualify for some discounts that many people don’t even know exist. Most are applied when you purchase, but lesser-known reductions have to be inquired about before they will apply.

  • Telematics Devices – People who choose to allow their auto insurance company to track driving manner by using a telematics device such as Progressive’s Snapshot and State Farm’s In-Drive might see lower rates as long as they are good drivers.
  • Theft Prevention System – Cars and trucks that have factory anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
  • Paperwork-free – A few larger companies give back up to $50 for buying a policy and signing up online.
  • Auto/Life Discount – If the company offers life insurance, you could get a lower price if you buy auto and life insurance together.
  • Early Switch Discount – Select insurance companies give a discount for signing up prior to your current policy expiration. You may see this discount when you get insurance quotes online.
  • New Car Discount – Buying a new car instead of a used car can be considerably cheaper due to better safety requirements for new model year vehicles.
  • Good Grades Discount – Performing well in school can earn a discount of 20% or more. Most companies allow this discount up to age 25.
  • Multiple Vehicles – Buying a policy with multiple cars with the same auto insurance company can get a discount on all vehicles.

Don’t be shocked that most discount credits are not given to your bottom line cost. The majority will only reduce specific coverage prices like liability and collision coverage. Even though it appears having all the discounts means you get insurance for free, you’re out of luck.

A few of the larger companies and some of the discounts can be found below.

  • Farm Bureau includes discounts for 55 and retired, multi-vehicle, youthful driver, driver training, renewal discount, good student, and safe driver.
  • State Farm offers premium reductions for multiple autos, Steer Clear safe driver discount, good driver, driver’s education, multiple policy, Drive Safe & Save, and anti-theft.
  • Progressive offers discounts for continuous coverage, online signing, homeowner, multi-vehicle, good student, multi-policy, and online quote discount.
  • Allstate may offer discounts for FullPay discount, teenSMART discount, premier discount, farm vehicle, senior citizen, defensive driver, and resident student.
  • Nationwide may have discounts that include Farm Bureau membership, defensive driving, multi-policy, business or organization, anti-theft, good student, and easy pay.
  • MetLife has discounts for good driver, good student, multi-policy, accident-free, defensive driver, and claim-free.

If you are trying to find the cheapest insurance quotes, ask every prospective company how many discounts you can get. Savings might not be available to policyholders in every state. To view providers with discount rates, click here.

Special considerations

When it comes to choosing coverage, there is no “best” method to buy coverage. Each situation is unique so this has to be addressed. For instance, these questions may help you determine if your insurance needs could use an agent’s help.

  • Are rock chip repairs covered?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Is pleasure use cheaper than using my 2010 Nissan Rogue to commute?
  • Am I insured when driving a different vehicle?
  • Should I put collision coverage on all my vehicles?
  • Am I covered if my car is in a flood?
  • Does my 2010 Nissan Rogue need full coverage?
  • Do I have coverage when making deliveries for my home business?
  • Am I covered if I wreck a rental car?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of auto insurance companies in your area.

Insurance coverages 101

Knowing the specifics of your policy can be of help when determining appropriate coverage and the correct deductibles and limits. Policy terminology can be confusing and reading a policy is terribly boring. Listed below are the normal coverages found on most insurance policies.

Collision coverage – Collision insurance covers damage to your Rogue from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like sideswiping another vehicle, rolling your car and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance pay for immediate expenses such as EMT expenses, hospital visits, X-ray expenses and doctor visits. They are often utilized in addition to your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants as well as getting struck while a pedestrian. PIP coverage is not universally available and may carry a deductible

Uninsured/Underinsured Motorist coverage – This coverage provides protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family and damage to your 2010 Nissan Rogue.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally these coverages are identical to your policy’s liability coverage.

Comprehensive coverage – This covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like damage from flooding, hitting a bird, hitting a deer, rock chips in glass and a broken windshield. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Liability – Liability coverage can cover damage that occurs to people or other property. This coverage protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 100/300/100 that means you have $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Alternatively, you may have a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for claims such as court costs, loss of income, structural damage, attorney fees and funeral expenses. The amount of liability coverage you purchase is a personal decision, but buy as high a limit as you can afford.