2012 Nissan Rogue Insurance Cost

Want lower car insurance rates for your Nissan Rogue? Did a good deal turn into an expensive car insurance policy? Say no more because you are not the only one feeling buyer’s remorse.

Insurance companies such as State Farm, Farmers Insurance, Geico and Allstate all promote huge savings with ads and it can be hard to ignore the promise of big savings and find the best price available.

It is always a good idea to get comparison quotes periodically due to the fact that insurance prices are constantly changing. Even if you got the best deal on Rogue insurance a year ago other companies may now be cheaper. Forget all the misinformation about car insurance because you’re about to learn the fastest way to save money, get proper deductibles and limits, all at the lowest rate.

If you are paying for car insurance now, you will most likely be able to cut costs considerably using this strategy. Finding affordable coverage is quite easy. Although vehicle owners must comprehend how the larger insurance companies price online insurance and apply this information to your search.

Free insurance coverage price quotes

Most larger insurance companies like Progressive, Allstate and Geico give pricing on their websites. Comparing prices online doesn’t take much effort as you just type in the coverages you want into the form. After the form is submitted, the system will obtain credit information and your driving record and returns a price based on the data you entered. Online price quotes makes it a lot easier to compare rates but having to visit each company’s website and repetitively enter the same data into a form is a big time waster. But it’s very important to have as many quotes as possible in order to find a better rate.

The easiest way to lower your rates utilizes a single form that gets price quotes from many companies. It saves time, reduces the work, and makes price shopping online a little more enjoyable. Once the form is submitted, your coverage is rated and you can select any one of the resulting price quotes. If you find a better price it’s easy to complete the application and buy the policy. It can be completed in a matter of minutes and may save quite a bit of money.

To quickly use this form to compare rates, simply click here to open in new window and enter your information. If you currently have coverage, we recommend you duplicate the limits and deductibles as shown on your current policy. Doing this assures you will have rate comparison quotes using the exact same coverages.

Are you getting every discount?

Auto insurance is not inexpensive, but you may be missing some discounts that can dramatically reduce your bill. A few discounts will automatically apply when you quote, but some discounts are required to be requested specifically before they will apply.

  • Use Seat Belts – Drivers who always wear seat belts and also require passengers to use a seat belt may be able to save a few bucks off PIP or medical payments premium.
  • Multi-line Discount – Not every insurance company offers life insurance, but if they do you may earn a discounted auto insurance rate on car insurance if you buy a life policy as well.
  • No Claim Discounts – Drivers who stay claim-free pay much less when compared to drivers who are more careless.
  • Distant Student – College-age children who are enrolled in a college that is more than 100 miles from home without a vehicle on campus could qualify for this discount.
  • Theft Deterent Discount – Cars and trucks with anti-theft systems are less likely to be stolen and therefore earn up to a 10% discount.

Consumers should know that most discount credits are not given to the overall cost of the policy. Most only reduce specific coverage prices like collision or personal injury protection. So even though they make it sound like you would end up receiving a 100% discount, companies don’t profit that way. Any qualifying discounts should help reduce the amount you have to pay.

Auto insurance companies that may have most of these discounts include:

Double check with every insurance company how you can save money. Savings might not be offered in your state.

When in doubt talk to an agent

When it comes to choosing the right insurance coverage, there really is not a perfect coverage plan. Coverage needs to be tailored to your specific needs so this has to be addressed. Here are some questions about coverages that could help you determine whether you may require specific advice.

  • When do I need to add a new car to my policy?
  • If I drive on a suspended license am I covered?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Does my liability insurance cover pulling a trailer or camper?
  • Why am I required to get a high-risk car insurance policy?
  • Is motorclub coverage worth it?
  • Are rock chip repairs covered?
  • Do I need to file an SR-22 for a DUI in my state?
  • Does my insurance cover a custom paint job?
  • Am I covered if I hit my neighbor’s mailbox?

If it’s difficult to answer those questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies.

Information about specific coverages

Learning about specific coverages of your policy helps when choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Listed below are typical coverage types found on the average car insurance policy.

Collision – Collision coverage pays for damage to your Rogue resulting from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things like sustaining damage from a pot hole, hitting a parking meter and damaging your car on a curb. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. You can also raise the deductible to get cheaper collision coverage.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage pay for expenses for funeral costs, ambulance fees, pain medications, X-ray expenses and nursing services. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

Comprehensive insurance – This coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like a broken windshield, rock chips in glass, fire damage and damage from a tornado or hurricane. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM) – This gives you protection from other drivers when they do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your Nissan Rogue.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Liability insurance – This coverage can cover damages or injuries you inflict on a person or their property. It protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for things like repair bills for other people’s vehicles, emergency aid and medical services. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase higher limits if possible.

Comments About 2012 Nissan Rogue Insurance

  1. Coy Oliver

    I’m just south of Des Moines, Iowa. I quoted with Amica, Nationwide, and some smaller one I can’t remember the name of for my Nissan and I think I cut my rates about $20 each month. Insured with Sentry before. Thankfully I have a good driving record.

  2. Eliseo Potter

    Checking in from Gaithersburg, MD. Quoted a bunch of companies. Saved roughly $30 a month. Allstate was the most affordable for me. Good multi-policy discounts.

  3. Ambrose Blair

    I found pretty cheap rate quotes for a 2012 Nissan Rogue in Huntington, WV. Ended up at about $140 every six months with Auto-Owners. I’m a pretty good driver though. I used their website to get prices.

  4. Bridget Burke

    FYI in Cranston, Rhode Island try GEICO. I got a good deal.

  5. Ellis Hancock

    I found pretty cheap rate quotes for a 2012 Nissan Rogue in Worcester, MA. Ended up at roughly $350 every six months with American Family. Was with Liberty Mutual. A clean driving record helps. It’s still not cheap enough.

  6. Noreen Gould

    I think I’m paying too much. From northwest of Boise, ID. I got free rates from Auto-Owners, Sentry, and Travelers for my Nissan and I think I saved around $30 each month. Insured with MetLife before.

  7. Nga Griffith

    2012 Nissan Rogue + Progressive = CHEAP! At least inMinnesota anyway.

  8. Dario Mays

    Need cheaper insurance rates for my teenage driver in Lewiston, ME!!