How Much Does 2011 Nissan Rogue Insurance Cost?

Looking for better car insurance rates for your Nissan Rogue? Finding better insurance prices for a Nissan Rogue can be difficult, but you can follow the following methods to make it easier. There is a right way and a wrong way to find car insurance online and we’ll show you the proper way to get price quotes on a Nissan and get the best price possible.

Finding the best rates is not rocket science. If you are insured now or need a new policy, you can use this information to find better prices and possibly find even better coverage. Drivers only need an understanding of how to compare price quotes online.

Save money with discounts

Some providers don’t always advertise all available discounts in an easy-to-find place, so the following is a list of both well-publicized and also the lesser-known discounts that may be available.

• Good Student – Performing well in school can get you a discount of up to 25%. The discount lasts up until you turn 25.
• Braking Control Discount – Anti-lock brake equipped vehicles are safer to drive and the ABS can save up to 10%.
• Claim-Free Discount – Drivers with accident-free driving histories can save substantially as opposed to drivers who are more careless.
• Military Rewards – Being on active duty in the military could qualify you for better prices.
• Discount for Passive Restraints – Factory air bags or automatic seat belts could see savings up to 30%.

Discounts save money, but please remember that most discounts do not apply the the whole policy. Most only cut specific coverage prices like liability and collision coverage. Even though the math looks like all the discounts add up to a free policy, you’re out of luck.

Companies and the discounts they provide are detailed below.

• Progressive may have discounts that include online signing, good student, multi-policy, homeowner, and online quote discount.
• MetLife policyholders can earn discounts including good driver, claim-free, multi-policy, good student, and accident-free.
• Mercury Insurance may include discounts for accident-free, professional/association, good driver, low natural disaster claims, and annual mileage.
• Nationwide discounts include accident-free, family plan, business or organization, Farm Bureau membership, and multi-policy.
• Geico offers discounts including multi-policy, emergency military deployment, defensive driver, multi-vehicle, and membership and employees.
• AAA includes discounts for good student, AAA membership discount, education and occupation, multi-car, anti-theft, and pay-in-full.

If you need low cost insurance coverage quotes, ask each company or agent how many discounts you can get. A few discounts might not be offered on policies in your area.

Compare quotes for insurance coverage

Many insurance companies allow consumers to get price estimates direct online. Getting online rates is pretty easy as you simply type in the coverages you want into the form. Once entered, the system pulls information on your driving record and credit history and quotes a price based on the information you submitted.

Quoting online makes it a lot easier to compare rates but the work required to visit several different sites and fill out multiple forms gets old quite quickly. But it’s necessary to perform this step in order to find a lower rate.

The easy way to compare rates

The preferred way to compare rates uses one form to obtain quotes from several companies at one time. It’s a real time-saver, eliminates form submissions, and makes quoting online much easier. As soon as the form is sent, it gets priced and you are able to buy any of the pricing results. If one or more price quotes are lower than your current rates, you can click and sign and purchase coverage. The entire process takes 15 minutes at the most and could lower your rates considerably.

To find out how much you’re overpaying now, click here and enter your information. If you currently have coverage, we recommend you replicate the limits and deductibles as close as possible to your current policy. Using the same limits helps guarantee you will have rate comparison quotes using the exact same coverages.

Learn how to lower your insurance premiums

When buying auto insurance it’s important to understand some of the factors that help determine your premiums. If you have some idea of what determines base rates, this helps enable you to make changes that may reward you with cheaper rates.

The itemized list below are a partial list of the pieces that factor into prices.

• Rates for males may be higher – Statistics demonstrate women tend to be less risk to insure than men. Now that doesn’t mean females are better drivers. Women and men tend to get into accidents in similar numbers, but the male of the species tend to have higher claims. Not only are claims higher, but men get more serious tickets such as driving while intoxicated (DWI) or driving recklessly. Young males tend to get in the most accidents and therefore have the most expensive auto insurance rates.
• Liability limits are a factor – The liability coverage on your policy will afford coverage in the event that you are found liable for physical damage or personal injury to other. Your liability coverage provides legal defense to attempt to prove you were not liable. Liability insurance is quite affordable compared to other policy coverages, so do not skimp.
• Auto insurance lapses lead to higher prices – Driving with no insurance can get you a ticket and any future policy may cost more because you let your insurance lapse for non-payment. Not only will you pay higher rates, the inability to provide proof of insurance could earn you a steep fine or even jail time. You could then be forced to submit proof of financial responsibility or a SR-22 with your state department of motor vehicles.
• The higher your credit score the lower your premiums – Your credit rating is a large factor in determining what you pay. Drivers who have high credit scores tend to be less risk to insure than drivers who have poor credit scores. If your credit leaves room for improvement, you could be paying less to insure your 2011 Nissan Rogue if you improve your credit rating.
• Pay lower premiums if you’re married – Walking down the aisle can get you a discount on your auto insurance bill. It translates into being more mature it has been statistically shown that married drivers tend to file fewer claims.
• Multiple policies with one company can save – Some auto insurance companies afford better rates to clients that buy multiple policies. It’s known as a multi-policy discount. This can amount to ten or even fifteen percent. If you currently are using one company, drivers will still want to comparison shop to guarantee you are still saving the most.There is a chance you can save even more by buying auto insurance from a different company.
• Stress out and pay more – Did you know your auto insurance rates can be affected by your occupation? Jobs such as military personnelairline pilots and financial analysts generally have higher rates than the rest of us due to high stress levels and lots of time spent away from family. On the flip side, careers such as actors, historians and performers get better rates on Rogue coverage.

What is the best insurance coverage?

When it comes to choosing coverage for your personal vehicles, there is no one size fits all plan. Every insured’s situation is different.

For example, these questions could help you determine whether you might need an agent’s assistance.

• Are there companies who specialize in insuring high-risk drivers?
• Is my trailer covered?
• What exactly is covered by my policy?
• What is PIP insurance?
• Do I need an umbrella policy?
• Is my babysitter covered when using my vehicle?
• What is high-risk coverage and where do I buy it?
• Will filing a claim cost me more?

If you’re not sure about those questions then you might want to talk to an agent. If you don’t have a local agent, take a second and complete this form. It only takes a few minutes and may give you better protection.

Educate yourself about auto insurance coverages

Knowing the specifics of your auto insurance policy can be of help when determining appropriate coverage for your vehicles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive (Other than Collision)

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as damage from flooding, theft and vandalism. The maximum amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Protection from uninsured/underinsured drivers

This coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Nissan Rogue.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Collision coverage

This coverage covers damage to your Rogue from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims like hitting a mailbox, damaging your car on a curb and rolling your car. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to get cheaper collision coverage.

Medical expense insurance

Coverage for medical payments and/or PIP kick in for expenses such as EMT expenses, X-ray expenses, prosthetic devices, nursing services and surgery. They can be utilized in addition to your health insurance program or if there is no health insurance coverage. Coverage applies to all vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Liability car insurance

Liability insurance provides protection from damages or injuries you inflict on people or other property. This insurance protects YOU against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 50/100/50 which stand for a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for claims like medical expenses, court costs and emergency aid. How much liability coverage do you need? That is up to you, but buy as much as you can afford.

Feed the piggy bank

Insureds who switch companies do it for any number of reasons including delays in responding to claim requests, unfair underwriting practices, an unsatisfactory settlement offer or even being labeled a high risk driver. It doesn’t matter why you want to switch choosing a new insurance company can be pretty painless.

Some insurance providers may not offer the ability to get quotes online and many times these smaller companies sell through independent agencies. Budget-conscious 2011 Nissan Rogue insurance can be sourced on the web as well as from insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from.

When shopping online for auto insurance, it’s a bad idea to skimp on coverage in order to save money. There are too many instances where someone dropped liability limits or collision coverage and found out when filing a claim that it was a big error on their part. Your goal is to purchase plenty of coverage at the best possible price, but do not skimp to save money.

More resources

• Distracted Driving Statistics (Insurance Information Insitute)
• Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)
• Understanding your Policy (NAIC.org)
• Choosing an Insurance Company (Insurance Information Insitute)