Cheap 2014 Nissan Rogue Car Insurance Cost

Searching for cheaper insurance coverage rates for your Nissan Rogue? Locating cheaper insurance for your Nissan Rogue can normally be an all-consuming task, but you can use our insurance coverage buying tips to find lower rates. There is a better way to buy insurance coverage so you’re going to learn the best way to quote coverages for your Nissan and find the best price possible from local insurance agents and online providers.

It’s smart to quote other rates periodically because rates are rarely the same from one policy term to another. Even if you got the lowest rate for Rogue insurance last year you can probably find a better price now. Forget anything you know (or think you know) about insurance coverage because you’re going to get a crash course in the quickest way to lower your annual insurance bill.

How to buy car insurance online

Reducing your 2014 Nissan Rogue insurance rates is actually easier than you may think. The only requirement is to spend a little time comparing price quotes from different insurance companies. It’s really simple and can be done in just a few minutes using one of these methods.

  1. If you’re in a hurry, the quickest way to get quotes is an all-inclusive rate comparison like this one (opens in new window). This method eliminates the need for boring form submissions for every car insurance company. In just a few minutes this one form gets you coverage quotes direct from many companies. Recommended for those who want to invest the least amount of time.
  2. A harder way to get comparison quotes is going to each individual company website to complete a price quote. For instance, we’ll pretend you need rates from Allstate, State Farm and GEICO. In order to compare rates, you need to visit each site to enter your coverage information, and that’s why the first method is more popular.

    To view a list of companies in your area, click here.

Whichever way you choose to compare rates, make sure you use nearly identical coverage limits with every price quote. If your comparisons have different limits and deductibles on each one it will be nearly impossible to make an equal comparison.

Get lower-cost insurance coverage quotes with discounts

The cost of insuring your cars can be expensive, but you might be missing out on some discounts that can help lower your rates. Many discounts should be triggered at the time of purchase, but a few must be specially asked for prior to getting the savings.

  • Early Switch Discount – Some insurance coverage companies reward drivers for switching policies prior to the expiration date on your current policy. It’s a savings of about 10%.
  • Telematics Devices – People who choose to allow driving data collection to monitor driving habits by using a telematics device such as Progressive’s Snapshot might see lower rates if their driving habits are good.
  • Buy New and Save – Buying coverage on a new vehicle can be considerably cheaper compared to insuring an older model.
  • Discount for Good Grades – Maintaining excellent grades could provide a savings of up to 20% or more. The good student discount can last up until you turn 25.
  • Paper-free Discount – A few larger online companies will give a small break simply for signing over the internet.
  • Seat Belt Usage – Forcing all vehicle occupants to wear their seat belts can save up to 10 percent (depending on the company) off the personal injury premium cost.

As a sidenote, most discounts do not apply to the entire cost. Some only apply to specific coverage prices like comp or med pay. If you do the math and it seems like adding up those discounts means a free policy, companies wouldn’t make money that way.

A few popular companies and some of the discounts include:

  • State Farm may offer discounts for safe vehicle, passive restraint, multiple policy, multiple autos, and anti-theft.
  • GEICO has discounts for emergency military deployment, good student, multi-vehicle, anti-theft, membership and employees, and five-year accident-free.
  • Allstate policyholders can earn discounts including premier plus, teenSMART discount, anti-lock brakes, farm vehicle, and passive restraint.
  • SAFECO offers discounts including safe driver, anti-theft, bundle discounts, anti-lock brakes, teen safety rewards, homeowner, and multi-car.
  • Farm Bureau may include discounts for multi-vehicle, 55 and retired, youthful driver, renewal discount, and good student.
  • Progressive discounts include online signing, continuous coverage, multi-policy, multi-vehicle, and homeowner.
  • AAA may have discounts that include good student, pay-in-full, anti-theft, education and occupation, AAA membership discount, and multi-policy.

If you are trying to find cheap car insurance quotes, ask every insurance company which discounts you may be entitled to. Discounts might not be offered in every state. If you would like to view companies that offer some of these discounts, click here.

Quote Nissan Rogue insurance more affordably

Lots of factors are considered when you quote your car insurance policy. Most are fairly basic such as traffic violations, but others are less apparent such as your credit history or your vehicle rating.

  • Does your occupation raise your premiums? – Occupational choices like fire fightersair traffic controllers and emergency personnel have higher premiums than the average policyholder due to job stress and lots of time spent away from family. Conversely, jobs like scientists, athletes and retirees have lower than average premiums for Rogue insurance.
  • Advanced theft deterrents – Buying a car with a theft deterrent system can get you a discount on your insurance coverage. Advanced theft deterrents such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent car theft.
  • Companies want multiple policies – Most major insurers allow lower prices to buyers who carry more than one policy. It’s known as a multi-policy discount. Even though this discount sounds good, drivers will still want to compare rates to confirm you are receiving the best rates possible.
  • Age of drivers – Young drivers are known to get distracted easily in a vehicle so they pay higher insurance coverage rates. Mature drivers are proven to be safer behind the wheel, cost insurance companies less in claims , and usually have better credit.
  • Liability safeguards assets – Liability insurance is the protection in the event that you are found liable for damages caused by your negligence. It provides for a legal defense to attempt to prove you were not liable. Liability insurance is quite affordable when compared to the cost of physical damage coverage, so drivers should buy more than the minimum limits required by law.

Tailor your insurance coverage coverage to you

When it comes to choosing proper insurance coverage, there really is not a single plan that fits everyone. Every situation is different.

For instance, these questions can help discover if your insurance needs might need an agent’s assistance.

  • Am I covered if I break a side mirror?
  • Is my teen driver covered when they drive my company car?
  • Where can I get insurance after a DUI in my state?
  • Which is better, split liability limits or combined limits?
  • How do I buy GAP insurance?
  • How high should my uninsured/underinsured coverage be in my state?
  • How much liability do I need to cover my assets?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, fill out this quick form. It is quick, free and may give you better protection.

Car insurance advertisements

Drivers can’t escape the ads for car insurance savings by Allstate, GEICO and Progressive. All the companies advertise the message that you’ll save big just by moving your car insurance coverage to their company.

How do they all cost less than your current company? You have to listen carefully.

Different companies can use profiling for a prospective insured that is profitable for them. An example of a desirable insured could possibly be over the age of 40, has never had a claim, and chooses high deductibles. A customer getting a price quote who meets those qualifications receive the lowest rate quotes and as a result will probably save money with a new company.

Potential customers who do not meet those criteria will probably have to pay a higher premium which results in the customer buying from a different company. If you pay attention, the ads say “drivers that switch” not “all people who quote” can get the lowest rates when switching. That’s why insurance companies can confidently advertise the way they do. Different companies use different criteria so you absolutely need to quote coverage with many companies. It is just not possible to predict which car insurance company will have the best rates for your profile.

Car insurance coverage information

Knowing the specifics of a car insurance policy aids in choosing the best coverages and the correct deductibles and limits. Car insurance terms can be difficult to understand and reading a policy is terribly boring.

Collision coverage protection

Collision coverage will pay to fix damage to your Rogue resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as crashing into a ditch, rolling your car, backing into a parked car and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. You can also increase the deductible to save money on collision insurance.

Comprehensive insurance

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like vandalism, damage from getting keyed, damage from a tornado or hurricane and rock chips in glass. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability coverage

Liability coverage protects you from damage or injury you incur to a person or their property. This coverage protects you against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 50/100/50 which means a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability can pay for claims like attorney fees, repair bills for other people’s vehicles and court costs. How much coverage you buy is a personal decision, but buy as much as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your Nissan Rogue.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage kick in for bills like funeral costs, dental work, surgery and nursing services. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Save your cold hard cash

Consumers who switch companies do it for any number of reasons including high prices, questionable increases in premium, delays in responding to claim requests or an unsatisfactory settlement offer. Regardless of your reason, switching companies is not as difficult as it may seem.

Affordable 2014 Nissan Rogue insurance is available online and from local agencies, so get free car insurance quotes from both of them to have the best rate selection. A few companies may not have rate quotes online and many times these regional carriers provide coverage only through local independent agents.

As you go through the steps to switch your coverage, you should never skimp on coverage in order to save money. There have been many cases where drivers have reduced uninsured motorist or liability limits only to regret they didn’t have enough coverage. Your objective should be to purchase a proper amount of coverage for the lowest cost while still protecting your assets.

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