Save on 2014 Nissan Rogue Car Insurance Rates

When looking for lower-priced insurance, are you baffled by the sheer number of insurance coverage companies that you can choose from? Many other drivers are too. consumers have so many companies to choose from that it can be a ton of work to lower your prices.

If you are paying for car insurance now, you will be able to lower your premiums substantially using these techniques. Shopping for the best protection is not that difficult. Nevertheless, car owners do need to learn how big insurance companies determine prices and apply this information to your search.

Auto insurance quotes comparison

When shopping for cheap insurance quotes, there are a couple of ways to obtain and compare prices from different insurance companies. The quickest method to find competitive 2014 Nissan Rogue insurance rates is to jump online and get quotes. It’s really quite simple and can be done in just a few minutes using one of these methods.

• Without a doubt, the easiest way to get quotes for comparison is a comparison rater form click here to open form in new window. This form eliminates the need for boring form submissions for each company. A single, simple form gets coverage cost estimates from many national carriers. Recommended for those who want to invest the least amount of time.
• A more time consuming way to compare rate quotes is to manually visit the website for each individual company and fill out their own quote form. For sake of this example, we’ll assume you need rates from Auto-Owners, Geico and Farmers. To get rate quotes you would need to spend time going to each site individually to enter your coverage information, which can get old fast.

  For a list of links to insurance companies in your area, click here.

• The hardest way of comparing rate quotes is making phone calls or going to different agent offices. Quoting online has reduced the need for local agents unless you require the professional guidance of an agent trained in personal lines coverage. You can, however, price shop your coverage online but purchase the actual policy in an agency.

Whichever method you choose, be certain you are entering nearly identical coverage data on every price quote you get. If you enter different coverage information it’s impossible to determine which company has the best rates. Slightly different coverage limits can mean a large discrepancy in price. Just keep in mind that comparing all the rates in your area provides better odds of finding lower pricing.

Save a ton with these discounts

Companies don’t always list the complete list of policy discounts very clearly, so we took the time to find a few of the more common and also the more inconspicuous ways to save on car insurance. If you do not check that you are getting every discount you qualify for, you are throwing money away.

• Save with a New Car – Adding a new car to your policy can save up to 30% due to better safety requirements for new model year vehicles.
• Government Employees – Employees or retirees of the government could cut as much as 10% off for Rogue coverage with a few car insurance companies.
• Save with More Vehicles Insured – Drivers who insure all your vehicles with one company could earn a price break for each car.
• Active Military Service – Being deployed with a military unit may lower your rates slightly.
• Responsible Drivers – Safe drivers can save up to 40% or more on their insurance quote for Rogue coverage than drivers with accidents.
• Home Ownership Discount – Owning a home can help you save on car insurance because owning a home demonstrates responsibility.
• Low Mileage Discounts – Low annual miles can qualify you for lower prices due to less chance of an accident.
• College Student – who are enrolled in a college that is more than 100 miles from home and leave their car at home may qualify for this discount.
• Student Discount for Driver Training – It’s a good idea to have your young drivers take driver’s ed class if it’s offered in school.
• Waiver for an Accident – Not necessarily a discount, but certain companies will forgive one accident without getting socked with a rate hike if you have no claims for a set time period.

Keep in mind that most discounts do not apply to the overall cost of the policy. Most only cut the price of certain insurance coverages like medical payments or collision. Despite the fact that it seems like it’s possible to get free car insurance, company stockholders wouldn’t be very happy.

Companies and a selection of discounts can be found below.

• State Farm has discounts for driver’s education, defensive driving training, Steer Clear safe driver discount, safe vehicle, multiple policy, and accident-free.
• Liberty Mutual may have discounts that include hybrid vehicle, exclusive group savings, safety features, new move discount, and multi-car.
• American Family has savings for good driver, good student, mySafetyValet, bundled insurance, and defensive driver.
• Progressive offers premium reductions for continuous coverage, online quote discount, good student, multi-policy, multi-vehicle, and homeowner.
• Farmers Insurance may offer discounts for distant student, early shopping, pay in full, bundle discounts, mature driver, and electronic funds transfer.
• Auto-Owners Insurance includes discounts for company car, multiple vehicles, air bags, anti-lock brakes, anti-theft, good student, and group or association.
• SAFECO discounts include anti-theft, teen safe driver, drive less, accident prevention training, bundle discounts, and teen safety rewards.

Check with each insurance company which discounts they offer. Some of the earlier mentioned discounts may not be available in every state.

How insurance companies calculate Nissan Rogue insurance prices

Multiple criteria are used when premium rates are determined. Some of the criteria are obvious such as traffic violations, but other criteria are not quite as obvious like where you live or how financially stable you are.An important part of buying insurance is that you know a few of the rating criteria that aid in calculating the rates you pay for insurance coverage. If you know what determines premiums, this allows you to make good choices that could help you find lower insurance coverage prices.

The list below includes some of the items companies use to determine your premiums.

• Higher rates for specific jobs – Did you know your career choice can influence rates? Occupational choices like real estate brokersairline pilots and dentists are shown to have higher rates than the rest of us due to intense work situations and extremely grueling work hours. Other professions such as professors, historians and homemakers get better rates for Rogue coverage.
• Urban areas may pay more – Being located in areas with lower population is a good thing when insuring your vehicles. Lower population means less chance of accidents and a lower car theft rate. Residents of big cities tend to have much more traffic and longer commutes to work. Spending more time driving means higher likelihood of an accident.
• Put fewer miles on your vehicle – Driving more miles each year the higher the price you pay to insure it. Most insurance companies rate vehicles based upon how you use the vehicle. Cars and trucks that sit idle most of the time can get a lower rate than vehicles that are driven to work every day. It’s a good idea to make sure your insurance coverage coverage correctly shows the correct usage for each vehicle. An improperly rated Rogue can cost quite a bit.
• Expect high rates for teens – Older insureds are more responsible, cause fewer claims and accidents and are safer drivers.Youthful drivers are statistically shown to be less responsible behind the wheel so they pay higher insurance coverage rates.
• Frequent insurance coverage claims increase prices – Companies provide better rates to drivers who do not file claims often. If you’re an insured who likes to file claims you can expect either higher rates or even cancellation. Auto insurance is designed for the bigger claims that can’t be paid out-of-pocket.
• Obey driving laws and save – Attentive drivers get better rates than people who have multiple driving citations. Getting just one speeding ticket can bump up the cost substantially. Drivers who have received license-revoking violations like reckless driving or DUI might be required by their state to maintain a SR-22 with their state’s department of motor vehicles in order to drive a vehicle legally.
• Men tend to take more risk – Statistics demonstrate women tend to be less risk to insure than men. It does not mean women are BETTER drivers than men. They both are responsible for auto accidents in similar percentages, but the males cause more damage and cost insurance companies more money. In addition to higher claims, males also have more aggressive citations like reckless driving and DUI.
• Insurance coverage lapses lead to higher prices – Driving any period of time without insurance can get your license suspended and you will pay a penalty because you let your insurance lapse for non-payment. And not only will insurance be more expensive, failure to provide proof of insurance may earn you fines and jail time.

Car insurance can be complex

When it comes to buying adequate coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Your needs are not the same as everyone else’s.

For example, these questions can aid in determining whether or not you might need an agent’s assistance.

• What if I owe more than I can insure my car for?
• Is my cargo covered for damage or theft?
• Does medical payments coverage apply to all occupants?
• Does car insurance cover theft of personal property?
• Does liability extend to a camper or trailer?
• Am I covered if I hit a deer?
• Am I covered if I wreck a rental car?
• What is an SR-22 filing?

If you’re not sure about those questions, then you may want to think about talking to a licensed agent. To find an agent in your area, complete this form.

Auto insurance 101

Learning about specific coverages of your car insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance provide coverage for expenses for surgery, EMT expenses, ambulance fees, nursing services and funeral costs. They are used to fill the gap from your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants in addition to being hit by a car walking across the street. PIP is not an option in every state but can be used in place of medical payments coverage

Liability coverage

This can cover damage that occurs to other’s property or people by causing an accident. This coverage protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 50/100/50 that translate to a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for things like legal defense fees, medical expenses and repair bills for other people’s vehicles. The amount of liability coverage you purchase is up to you, but buy higher limits if possible.

Collision coverage protection

This coverage will pay to fix damage to your Rogue from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things such as scraping a guard rail, driving through your garage door, hitting a parking meter, sustaining damage from a pot hole and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Another option is to bump up the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist coverage

This gives you protection from other drivers when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Comprehensive coverage

This will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like vandalism, hitting a deer, hitting a bird, fire damage and damage from getting keyed. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Don’t be a big spender

Insureds who switch companies do it for any number of reasons including poor customer service, denial of a claim, delays in responding to claim requests and an unsatisfactory settlement offer. It doesn’t matter why you want to switch finding a new company is actually quite simple.

When searching for the cheapest insurance quotes, it’s very important that you do not buy lower coverage limits just to save a few bucks. There are a lot of situations where consumers will sacrifice full coverage only to discover later that the few dollars in savings costed them thousands. Your objective should be to buy a smart amount of coverage at the best price while not skimping on critical coverages.

Affordable 2014 Nissan Rogue insurance can be purchased on the web as well as from insurance agents, so you need to shop insurance with both in order to have the best price selection to choose from. Some insurance providers may not have internet price quotes and many times these smaller providers sell through local independent agents.

More tips and info about car insurance is available in these articles:

• Red Light Cameras (State Farm)
• State Car Insurance Guides (Geico)
• Eight Auto Insurance Myths (Insurance Information Insitute)
• Collision Coverage (Liberty Mutual)