2015 Nissan Rogue Insurance Quotes

Locating low-cost insurance for a new or used Nissan Rogue can be an all-consuming task, but you can learn our insurance coverage buying tips and make it easy.

There are more efficient ways to shop for insurance coverage so you’re going to learn the absolute fastest way to compare rates for your Nissan and locate the lowest price from both online companies and local agents.

It’s a great practice to quote other rates at least once a year since insurance prices tend to go up over time. If you had the lowest price for Rogue coverage a few years ago a different company probably has better rate quotes today. Block out anything you think you know about insurance coverage because it’s time to teach you how to use the internet to save on insurance coverage.

How to get insurance coverage quotes

Most of the larger companies allow you to get prices for coverage from their websites. Doing online price comparisons is quite easy as you simply enter the coverages you want into the quote form. Once entered, the system automatically retrieves credit information and your driving record and returns pricing information.

Online price estimates makes comparing rates easy, but the work required to visit each company’s website and repetitively fill out multiple forms is a big time waster. But it’s necessary to get many rate quotes if you want to get a lower rate.

Quote rates the easy way

A better way to find lower prices requires only one form to obtain quotes from a lot of companies. This type of form saves time, eliminates repetitive work, and makes comparison shopping a lot less work. Once the form is submitted, it gets priced and you can select your choice of the resulting price quotes.

If the quotes result in lower rates, you can click and sign and buy the policy. It takes less than 15 minutes and you’ll know if lower rates are available.

To use this form to compare rates, simply click here to open in new window and submit your coverage information. If you have a policy now, it’s recommended you duplicate the limits and deductibles as close as possible to your current policy. This ensures you are getting a price comparison based on similar coverages.

Use discounts on auto insurance

Some providers do not advertise their entire list of discounts very clearly, so the next list breaks down a few of the more common and also the more inconspicuous ways to save on auto insurance.

• Early Switch Discount – Some companies provide a discount for buying a new policy prior to the expiration date on your current policy. This discount can save up to 10%.
• Multiple Policy Discount – If you insure your home and vehicles with the same company you may earn at least 10 to 15 percent or more.
• Military Discounts – Having an actively deployed family member could qualify you for better rates.
• Government Employee Discount – Being employed by or retired from a federal job could qualify for a slight premium decrease for Rogue coverage with certain companies.
• Discount for Home Ownership – Owning your own home or condo can save a few bucks because maintaining a house requires personal responsibility.
• Driving Data Discount – Drivers that enable their auto insurance company to track when and where they use their vehicle by using a telematic data system such as State Farm’s In-Drive may see discounts as long as they are good drivers.
• Senior Citizen Rates – Seniors may receive a slight reduction on a insurance coverage quote for Rogue coverage.
• Online Discount – A handful of larger companies will give a small break for buying a policy and signing up over the internet.

Discounts lower rates, but some credits don’t apply to the overall cost of the policy. The majority will only reduce individual premiums such as physical damage coverage or medical payments. Despite the fact that it seems like all the discounts add up to a free policy, you aren’t that lucky.

To see a list of insurers who offer auto insurance discounts, click here to view.

Tailor your insurance coverage to you

When it comes to buying adequate coverage for your vehicles, there isn’t really a single plan that fits everyone. Every situation is different.

These are some specific questions can help discover whether your personal situation may require specific advice.

• Do I really need UM/UIM coverage?
• When should I buy a commercial auto policy?
• How can I get my company to pay me more for my totalled car?
• What companies insure drivers after a DUI or DWI?
• When should my teen driver be added to my policy?
• Does my policy cover me when driving someone else’s vehicle?
• I don’t drive much so do I pay less?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Auto insurance 101

Having a good grasp of car insurance aids in choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be difficult to understand and coverage can change by endorsement.

Medical expense insurance – Med pay and PIP coverage kick in for bills for things like surgery, rehabilitation expenses and X-ray expenses. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers you and your occupants and also covers any family member struck as a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Collision coverages – Collision insurance pays for damage to your Rogue caused by collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as hitting a mailbox, rolling your car and colliding with another moving vehicle. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

Protection from uninsured/underinsured drivers – This coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants and damage to your Nissan Rogue.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive (Other than Collision) – This coverage pays for damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as hitting a bird, damage from getting keyed and hail damage. The maximum amount your car insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability insurance – This coverage will cover damage that occurs to a person or their property that is your fault. It protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Another option is one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability coverage protects against things like funeral expenses, repair bills for other people’s vehicles, attorney fees, bail bonds and medical services. How much coverage you buy is up to you, but it’s cheap coverage so purchase as large an amount as possible.