2018 Nissan Rogue Car Insurance Cost

Searching for low-cost insurance for a Nissan Rogue can turn out to be difficult, but you can learn the following methods to find lower rates.

There are both good and bad ways to compare auto insurance rates so we’re going to tell you the absolute fastest way to compare rates on a Nissan and get the lowest price either online or from local insurance agents.

Get more affordable insurance premiums by understanding these factors

Lots of things are part of the equation when you get your auto insurance bill. Some of the criteria are obvious like a motor vehicle report, but other factors are less obvious such as whether you are married and annual miles driven.

The items below are some of the most rate-impacting factors companies use to determine your rate level.

  • Get married and get cheaper rates – Getting married can actually save you money on your insurance coverage policy. Having a spouse is viewed as being more responsible and it’s statistically proven that married drivers get in fewer accidents.
  • Poor driving habits leads to higher premiums – Careful drivers have lower premiums compared to bad drivers. Getting just one speeding ticket can bump up the cost by as much as thirty percent. Drivers who have gotten dangerous citations such as DUI, reckless driving or excessive speeding may face state-mandated requirements to prove financial responsibility with their state in order to keep their license.
  • What are good liability insurance limits? – The liability coverage on your policy will provide protection if ever you are found to be at fault for personal injury or accident damage. Liability insurance provides you with a defense in court to defend your case. Carrying liability coverage is mandatory and cheap compared to comp and collision, so drivers should carry high limits.
  • Insurance coverage rates and your vocation – Do you have a high-stress occupation? Jobs like military personnelpolice officers and miners usually pay higher rates than average due to high stress and long work days. On the flip side, jobs such as professors, athletes and the unemployed get better rates for Rogue insurance.
  • Lower rates by increasing coverage deductibles – Physical damage protection, also known as collision and other-than-collision, is used to repair damage to your vehicle. Some coverage claims would be running into the backend of another car, collision with an animal, and damage from a fallen tree branch. Physical damage deductibles state the amount of money you are willing to pay out-of-pocket if the claim is covered. The more expense you’re willing to pay, the bigger discount you will receive for Rogue insurance.
  • Lower premiums with alarm systems – Buying a car with anti-theft technology or alarm system can help lower your rates. Systems that thwart theives like vehicle immobilizer systems, OnStar, and tracking devices like LoJack all help stop auto theft and help lower rates.

How to buy auto insurance online

Getting a cheaper price on 2018 Nissan Rogue insurance is actually quite simple. You just have to spend a little time getting comparison quotes to find the company with low cost insurance quotes. Price comparisons can be done by following the guidelines below.

  1. One of the simplest ways to get quotes for comparison would be an industry-wide quote request form click here to open form in new window. This style of form prevents you from having to do boring form submissions for each company you want a rate for. A single form will return quotes from multiple low-cost companies. Recommended for those who want to invest the least amount of time.
  2. A slightly less efficient method to find better pricing requires a trip to each company’s website and complete a new quote form. For examples sake, let’s assume you want comparison quotes from USAA, 21st Century and Liberty Mutual. You would be required to visit each site and enter your policy data, which is why the first method is more popular. For a list of companies in your area, click here.

It’s up to you how you get prices quotes, just be sure to compare nearly identical quote information with every price quote. If the quotes have higher or lower deductibles it’s impossible to determine the lowest rate for your Nissan Rogue.

Cheaper auto insurance rates with discounts

Some insurers don’t always publicize their entire list of discounts in a way that’s easy to find, so we break down a few of the more common as well as the least known auto insurance savings.

  • Early Payment Discounts – If you pay your entire premium ahead of time instead of paying each month you could save 5% or more.
  • Accident Forgiveness Coverage – This one isn’t a discount, but a handful of insurance companies allow you one accident without raising rates with the catch being you have to be claim-free prior to being involved in the accident.
  • Own a Home and Save – Simply owning a home can help you save on auto insurance because owning a home requires a higher level of personal finance.
  • Resident Student – Youth drivers who are attending college without a vehicle on campus can be insured at a reduced rate.
  • Anti-theft Discount – Vehicles equipped with tracking devices and advanced anti-theft systems can help prevent theft and that can save you a little bit as well.
  • Professional Memberships – Having an affiliation with a civic or occupational organization is a simple method to lower premiums on auto insurance.
  • Drivers Ed for Students – Have your child complete a driver education course in high school.
  • Government Employees – Federal government employees can save as much as 8% for Rogue insurance with select insurance companies.

A little disclaimer on discounts, most discounts do not apply to your bottom line cost. Most cut the price of certain insurance coverages like comprehensive or collision. Just because it seems like it’s possible to get free car insurance, companies wouldn’t make money that way.

Companies and a partial list of their discounts can be read below.

  • GEICO offers discounts for emergency military deployment, anti-lock brakes, seat belt use, defensive driver, and military active duty.
  • Travelers may have discounts that include IntelliDrive, driver training, early quote, multi-policy, and payment discounts.
  • Nationwide policyholders can earn discounts including anti-theft, defensive driving, multi-policy, good student, and family plan.
  • Farmers Insurance offers discounts including multi-car, electronic funds transfer, good student, bundle discounts, switch companies, homeowner, and business and professional.
  • Esurance has discounts for online quote, safety device, anti-theft, Pac-12 alumni, multi-policy, and homeowner.
  • State Farm includes discounts for multiple policy, good student, anti-theft, good driver, student away at school, and Steer Clear safe driver discount.
  • Progressive offers premium reductions for continuous coverage, good student, multi-policy, online signing, multi-vehicle, and online quote discount.
  • Mercury Insurance discounts include multi-policy, anti-theft, low natural disaster claims, accident-free, professional/association, annual mileage, and age of vehicle.

It’s a good idea to ask all the companies to apply every possible discount. Some discounts may not apply to policies in your area. If you would like to choose from a list of companies with the best auto insurance discounts, click here to view.

Tailor your auto insurance coverage to you

When it comes to choosing the best auto insurance coverage for your vehicles, there is no single plan that fits everyone. Everyone’s situation is unique.

These are some specific questions can aid in determining whether you might need professional guidance.

  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Is business property covered if stolen from my car?
  • Is my custom paint covered by insurance?
  • Can I afford to buy a different vehicle if my 2018 Nissan Rogue is totaled?
  • Do I need roadside assistance coverage?
  • Am I covered if I break a side mirror?
  • What are the financial responsibility laws in my state?
  • How can I force my company to pay a claim?

If you’re not sure about those questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, complete this form. It is quick, free and you can get the answers you need.

Insurance coverages explained

Knowing the specifics of a insurance policy can be of help when determining which coverages you need for your vehicles. Insurance terms can be confusing and reading a policy is terribly boring.

Liability coverage – Liability coverage will cover injuries or damage you cause to people or other property in an accident. This coverage protects you from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 100/300/100 which means a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for claims such as loss of income, repair costs for stationary objects, emergency aid and structural damage. How much coverage you buy is a decision to put some thought into, but consider buying as large an amount as possible.

Collision coverage – This pays to fix your vehicle from damage resulting from a collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as damaging your car on a curb, crashing into a building, hitting a mailbox, sustaining damage from a pot hole and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Medical expense coverage – Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for things like funeral costs, dental work, hospital visits and chiropractic care. They are often used in conjunction with a health insurance program or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and also covers any family member struck as a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Nissan Rogue.

Due to the fact that many drivers carry very low liability coverage 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. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive protection – Comprehensive insurance coverage covers damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against things like hitting a bird, a broken windshield and damage from flooding. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Save your cold hard cash

In this article, we presented many ideas to compare 2018 Nissan Rogue insurance premium rates online. The key concept to understand is the more companies you get prices for, the better likelihood of getting the cheapest insurance. Drivers may discover the best premium rates are with the least-expected company.

Insureds who switch companies do it for a number of reasons such as questionable increases in premium, policy non-renewal, high rates after DUI convictions and even poor customer service. Whatever your reason, choosing a new insurance company can be pretty painless.

Affordable 2018 Nissan Rogue insurance can be purchased on the web and with local insurance agents, so you need to quote insurance with both in order to have the best price selection to choose from. Some insurance companies may not offer online price quotes and usually these small, regional companies prefer to sell through independent agents.

Even more information can be found in the articles below:

Comments About 2018 Nissan Rogue Insurance

  1. Mickie Moore

    Quoted with Erie for my Nissan and saved around $280 a year. Left Sentry to switch.

  2. Dyan Robbins

    Affordable car insurance is a myth. I live just outside Hilo, HI. Received quotes from State Farm, Liberty Mutual, and Esurance for my Rogue and saved around $410 a year.

  3. Ruthe Petersen

    I chose to switch to State Farm from AIG Insurance. I live in Las Vegas, NV. Left Erie to switch.