Cheapest 2009 Nissan Rogue Insurance Rates in 2023
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UPDATED: Dec 1, 2021
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Looking for better insurance coverage rates? Shoppers have options when shopping for the best price on Nissan Rogue insurance. They can either spend hours struggling with agents trying to get quotes or leverage the internet to get rate quotes.
There is a right way and a wrong way to compare insurance coverage rates and we’ll show you the best way to get price quotes for a Nissan and get the lowest price.
The fastest way that we advise to compare insurance rates in your area is to realize most of the bigger providers allow for online access to compare rate quotes. To start a quote, the only thing you need to do is provide the companies a bit of rating information including how old drivers are, whether or not you need a SR-22, distance driven, and any included safety features. Your details is instantly provided to insurance companies and they return quotes almost instantly.
Are you getting all your discounts?
Insurance can be prohibitively expensive, but there could be available discounts that you may not even be aware of. Some discounts apply automatically when you quote, but some may not be applied and must be manually applied before being credited. If you aren’t receiving every discount possible, you are throwing money away.
- Discount for Life Insurance – Some companies give a break if you buy auto and life insurance together.
- Early Switch Discount – A few companies offer discounts for buying a policy before your current expiration date. It’s a savings of about 10%.
- Distant Student – Any of your kids who are attending college and don’t have a car can be insured at a reduced rate.
- Passive Restraints – Cars that have air bags can qualify for discounts of more than 20%.
- One Accident Forgiven – Some insurance companies permit an accident before hitting you with a surcharge as long as you don’t have any claims for a set time period.
- Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems help deter theft and therefore earn up to a 10% discount.
- Lower Rates for Military – Having a deployed family member may qualify for rate reductions.
It’s important to note that most discount credits are not given to your bottom line cost. Most only reduce specific coverage prices like liability and collision coverage. So when the math indicates adding up those discounts means a free policy, it just doesn’t work that way. Any amount of discount will help reduce your overall premium however.
Tailor your coverage to you
When choosing coverage for your vehicles, there really is not a cookie cutter policy. Everyone’s situation is unique.
These are some specific questions can help discover if your situation would benefit from professional advice.
- What is the minimum liability in my state?
- At what point should I drop full coverage?
- Do I need medical payments coverage since I have good health insurance?
- How do I buy GAP insurance?
- Do I need PIP (personal injury protection) coverage in my state?
- Will my insurance pay for OEM parts?
- Does coverage extend to my business vehicle?
- Should I have combined single limit or split liability limits?
- Do all my vehicles need collision coverage?
If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and can help protect your family.
Factors influencing Nissan Rogue insurance rates
It’s important that you understand the rating factors that go into determining the rates you pay for auto insurance. When you know what positively or negatively influences your rates enables informed choices that could result in better auto insurance rates.
Listed below are some of the items auto insurance companies consider when setting premiums.
- Traffic citations inflate rates – Your driving record has a huge affect on how much you pay. Good drivers get better rates compared to drivers with tickets. Just one ticket can increase rates forty percent or more. Drivers who get flagrant violations like DWI, reckless driving or hit and run convictions may be required to file a SR-22 to the state department of motor vehicles in order to keep their license.
- High crash test scores lower rates – Vehicles with good safety scores get lower rates. Safer cars reduce injuries and lower injury rates translates into savings for insurance companies and thus lower rates. If your Nissan Rogue has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
- Your stress level may be raising your rates – Did you know your occupation can influence how much you pay for auto insurance? Occupations like real estate brokers, executives and stock brokers are shown to have the highest rates in part from stressful work requirements and long work hours. On the other hand, occupations like pilots, students and homemakers pay the least for Rogue insurance.
- Younger drivers pay higher rates – More mature drivers are more responsible, statistically cause fewer accidents and tend to be better behind the wheel. Teen drivers have a tendency to be careless and easily distracted when driving therefore auto insurance rates are much higher.
Car insurance coverage information
Having a good grasp of your policy aids in choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and reading a policy is terribly boring.
Comprehensive (Other than Collision)
Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive coverage protects against things like theft, a broken windshield, hail damage and damage from a tornado or hurricane. The most your car insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
Protection from uninsured/underinsured drivers
This coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Nissan Rogue.
Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally these coverages do not exceed the liability coverage limits.
Liability coverage will cover damages or injuries you inflict on other’s property or people by causing an accident. It protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.
Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Some companies may use one number which is a combined single limit which limits claims to one amount without having the split limit caps.
Liability coverage pays for things such as pain and suffering, court costs, legal defense fees, medical services and structural damage. How much liability coverage do you need? That is your choice, but buy as high a limit as you can afford.
Medical expense insurance
Coverage for medical payments and/or PIP reimburse you for expenses like surgery, pain medications, prosthetic devices and dental work. They are used to fill the gap from your health insurance program or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage
Collision coverage protection
Collision coverage covers damage to your Rogue from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision coverage protects against things such as rolling your car, damaging your car on a curb and hitting a parking meter. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.
Saving money is sweet as honey
People change insurance companies for a variety of reasons including delays in responding to claim requests, poor customer service, extreme rates for teen drivers or denial of a claim. Regardless of your reason, switching car insurance companies is less work than it seems.
When shopping online for car insurance, you should never reduce needed coverages to save money. There have been many cases where consumers will sacrifice full coverage and learned later that the savings was not a smart move. Your strategy should be to buy a smart amount of coverage at an affordable rate while still protecting your assets.
Low-cost 2009 Nissan Rogue insurance is attainable from both online companies as well as from independent agents, so you should be comparing quotes from both to have the best selection. Some car insurance companies don’t offer online quoting and many times these smaller companies only sell through independent insurance agents.
To read more, feel free to visit these articles:
- Child Safety FAQ (iihs.org)
- Prepare your Teens for Safe Driving (InsureUonline.org)
- What is Covered by GAP Insurance? (Allstate)
- Understanding Your Insurance Deductible (Insurance Information Insitute)
- Booster Seat Ratings (iihs.org)
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