Cheapest 2013 Nissan Rogue Insurance Rates in 2023
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UPDATED: Dec 1, 2021
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Trying to find the cheapest auto insurance rates for your Nissan Rogue? Have you had enough of being strong-armed to buy car insurance? You are no different than many other drivers.
Consumers have many insurers to buy insurance from, and even though it’s nice to have multiple companies, so many choices can make it hard to find the best rates for your vehicles.
Choosing the best insurance company for you is easy if you know what you’re doing. If you are paying for car insurance now, you stand a good chance to be able to save some money using these tips. But car owners must understand how companies compete online and apply this information to your search.
These discounts can lower your rates
Auto insurance companies do not list all available discounts very well, so we took the time to find some of the more common and the more hidden ways to save on car insurance.
- 55 and Retired – If you qualify as a senior citizen, you may qualify for a discount up to 10% for Rogue insurance.
- Pay Now and Pay Less – By paying your policy upfront instead of making monthly payments you can actually save on your bill.
- Multi-car Discount – Buying insurance for more than one vehicle with the same company could earn a price break for each car.
- Service Members Pay Less – Being on active duty in the military may qualify for rate reductions.
- Air Bag Discount – Cars that have air bags or automatic seat belts can qualify for discounts of up to 25% or more.
- Clubs and Organizations – Participating in a qualifying organization could trigger savings when buying car insurance for Rogue insurance.
- Accident Waiver – Some insurance companies will forgive one accident without raising rates if you are claim-free for a set time period.
Drivers should understand that most credits do not apply to the entire cost. Most only apply to specific coverage prices like comprehensive or collision. So when it seems like you could get a free car insurance policy, it doesn’t quite work that way.
A partial list of companies that may offer some of the above discounts include:
- Farmers Insurance
- State Farm
Check with each insurance company what discounts are available to you. Some discounts may not be available in your state.
Different people need different coverages
When buying adequate coverage, there isn’t really a perfect coverage plan. Everyone’s situation is unique so your insurance needs to address that. For instance, these questions might help in determining if your situation might need professional guidance.
- What happens if I owe more than my 2013 Nissan Rogue is worth?
- Am I covered by my spouse’s policy after a separation?
- Do I need more liability coverage?
- What is the minimum liability in my state?
- Does coverage extend to my business vehicle?
- When would I need additional glass coverage?
- Will I be non-renewed for getting a DUI or other conviction?
- Should I file a claim if it’s only slightly more than my deductible?
- When can I cancel my policy?
- Is a blown tire covered by insurance?
If you can’t answer these questions then you might want to talk to an insurance agent. If you want to speak to an agent in your area, simply complete this short form.
Auto insurance coverages
Knowing the specifics of your insurance policy aids in choosing which coverages you need for your vehicles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Listed below are typical coverages found on the average insurance policy.
Comprehensive insurance – Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for claims like damage from getting keyed, a broken windshield and damage from flooding. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.
Liability – Liability insurance can cover damage or injury you incur to other people or property in an accident. It protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.
It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.
Liability insurance covers claims like medical expenses, pain and suffering and structural damage. How much liability coverage do you need? That is your choice, but buy as high a limit as you can afford.
Coverage for medical expenses – Med pay and PIP coverage kick in for expenses such as hospital visits, dental work, funeral costs, X-ray expenses and nursing services. They are often used to fill the gap from your health insurance plan or if you do not have health coverage. It covers not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay
Coverage for uninsured or underinsured drivers – Your UM/UIM coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your Nissan Rogue.
Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.
Collision coverages – This will pay to fix damage to your Rogue caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.
Collision insurance covers things such as sideswiping another vehicle, crashing into a ditch, rolling your car and sustaining damage from a pot hole. This coverage can be expensive, so consider dropping it from lower value vehicles. You can also choose a higher deductible to bring the cost down.
Have money to burn
Discount 2013 Nissan Rogue insurance is possible from both online companies and also from your neighborhood agents, so compare prices from both so you have a total pricing picture. Some insurance providers may not provide online quoting and these small, regional companies work with independent agents.
When you buy insurance online, it’s a bad idea to sacrifice coverage to reduce premiums. In many instances, someone dropped physical damage coverage only to discover later that the few dollars in savings costed them thousands. The aim is to get the best coverage possible for the lowest price while still protecting your assets.
To learn more, feel free to browse the resources below:
- All About Airbag Safety (State Farm)
- Learn About Car Insurance (GEICO)
- Tools for Teen Driving Safety (State Farm)
- Drunk Driving Statistics (Insurance Information Insitute)
- Insurance Losses by Make and Model (iihs.org)
- Car Insurance for Teen Drivers with Divorced Parents (Allstate)
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