Cheaper 2023 Nissan Rogue Car Insurance Rates in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 10, 2024

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Think you have high-priced insurance coverage? Trust us, you are not the only one feeling buyer’s remorse.

Drivers have many insurance companies to purchase coverage from, and though it is a good thing to be able to choose, it makes it harder to compare company pricing.

Consumers need to do price comparisons occasionally since prices fluctuate regularly. Just because you found the best price for Rogue insurance two years ago other companies may now be cheaper. Ignore everything you know about insurance coverage because you’re going to learn the things you must know in order to save on insurance coverage.

Finding the best rates is not rocket science. In a nutshell, every driver who buys insurance most likely will be able to save money. But drivers should learn the methods companies use to price online insurance.

Verify you’re getting every discount

Some insurance providers don’t necessarily list all available discounts in a way that’s easy to find, so the below list has a few of the more common and also the lesser-known credits that you can use to lower your rates. If they aren’t giving you every credit you qualify for, you’re just leaving money on the table.

  • Defensive Driver Discounts – Taking a class that teaches safe driver techniques could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Discount for Switching Early – A few larger companies offer discounts for renewing your policy prior to your current policy expiring. Ten percent is about the average savings.
  • Data Collection Discounts – Policyholders that allow their company to scrutinize vehicle usage by using a telematics device in their vehicle like In-Drive from State Farm and Progressive’s Snapshot could save a few bucks if their driving habits are good.
  • Theft Prevention System – Anti-theft and alarm system equipped vehicles help deter theft and can earn a small discount on your policy.
  • Discount for Low Mileage – Driving fewer miles could earn lower prices on the low mileage vehicles.
  • Homeowners Pay Less – Being a homeowner can save you money because maintaining a house is proof of financial responsibility.

Remember that some of the credits will not apply to your bottom line cost. Most only reduce the cost of specific coverages such as medical payments or collision. Even though it appears you can get free auto insurance, it’s just not the way it works.

Some companies who may offer some of the above discounts include:

  • American Family
  • State Farm
  • 21st Century
  • Travelers

It’s a good idea to ask each company or agent how many discounts you can get. Some discounts might not be offered on policies in your area.

How to compare auto insurance price quotes

When shopping for auto insurance there are multiple ways to compare rate quotes from auto insurance companies in your area. The best method to compare 2023 Nissan Rogue insurance prices consists of obtaining rate quotes online. It’s really quite simple and can be done in just a few minutes using one of these methods.

  1. The easiest and least time consuming way to get quotes is an all-inclusive rate comparison. This quick form keeps you from doing multiple quote forms for each price estimate. In just a few minutes this one form gets rate comparisons from several companies.
  2. Another way to find better pricing requires visiting each company’s website to complete a price quote. For sake of this example, let’s say you need rates from Liberty Mutual, Farmers and GMAC. To find out each rate you need to go to every website and repeatedly type in your coverage information, and that explains why we recommend the first method.

It’s your choice how you get your quotes, but be sure to compare identical coverages for each comparison quote. If each company quotes unequal deductibles or liability limits you will not be able to make a fair comparison for your Nissan Rogue. Slightly different coverages could skew the results. And when price shopping your coverage, having more price comparisons gives you a better chance of getting lower pricing. Some smaller insurers to not give rate quotes online, so it’s important to compare price quotes from them, too.

How do insurance providers determine Nissan Rogue insurance costs?

One of the most helpful ways to save on insurance is to to have a grasp of a few of the rating criteria that come into play when calculating the level of your policy premiums. If you have a feel for what positively or negatively impacts your premiums, this helps enable you to make changes that may reward you with lower premium levels. Many different elements are part of the equation when you get a price on insurance. Some of the criteria are obvious such as your driving record, but other criteria are less obvious like your continuous coverage or your vehicle rating.

The itemized list below are a partial list of the pieces used by companies to determine your prices.

  • Lower premiums for safer vehicles – Cars with high safety ratings cost less to insure. The safest vehicles reduce the chance of injuries and fewer serious injuries translates directly to fewer claims which can result in lower premiums. If your Nissan Rogue earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may be receiving a better rate.
  • Safer vehicles can affect premiums – Buying a car that has an advanced theft prevention system can save you a little every year. Anti-theft devices like OnStar, LoJack tracking, and tamper alarms all hinder car theft and help bring rates down.
  • Careless drivers pay higher costs – Being a careful driver influences premium rates substantially. Drivers who don’t get tickets get better prices compared to drivers with tickets. Just one moving violation can boost insurance rates twenty percent or more. People who have multiple tickets such as DUI or willful reckless driving are required to submit a SR-22 form with their state in order to continue driving.
  • Coverage deductibles are a factor – Physical damage coverage, also called ‘full coverage’, protects your Nissan from damage. Examples of some claims that would be covered are a dented fender, damage from fire, and damage from a fallen tree branch. Deductibles for physical damage define how much the insured will be required to pay in the event of a claim. The more you are required to pay out-of-pocket, the lower your rates will be for Rogue insurance.
  • Getting married is a good thing – Having a significant other actually saves money on your insurance bill. Having a significant other may mean you are more financially stable and statistics show married drivers tend to file fewer claims.
  • Only buy incidental coverages you need – There are a ton of extra bells and whistles that may not really be needed but may not be useful. Coverages like rental car coverage, towing, and additional equipment coverage are some examples. These coverages may sound good when discussing your needs, but if they’re wasting money remove them and pocket the money.
  • Gender and insurance premiums – Statistics show that women are safer drivers than men. However, this does not mean males are worse at driving than females. Women and men cause accidents in similar percentages, but men tend to have higher claims. Men also tend to get cited for more serious violations like DUI and reckless driving.
  • Premiums are high for teenagers – Teen drivers have been known to be careless and easily distracted when driving with friends so insurance rates are higher. If you’ve ever had to add a teen driver onto a policy can increase premiums substantially. Older, more experienced drivers are shown to be more cautious, file fewer claims and receive fewer citations.

When should I discuss my situation with an agent?

When it comes to buying the right insurance coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Every situation is different so this has to be addressed. For example, these questions could help you determine whether you would benefit from professional advice.

  • Can I rent a car in Mexico?
  • When does my teenage driver need to be added to my policy?
  • Is extra glass coverage worth it?
  • Does liability extend to a camper or trailer?
  • What if I total my 2023 Nissan Rogue and owe more than it’s worth?
  • Is my Nissan Rogue covered if I use it for business?
  • Should I put collision coverage on all my vehicles?

If you can’t answer these questions but one or more may apply to you, you might consider talking to an agent. To find an agent in your area, fill out your zip code.

The ad said I’d save $468 a year!

Respected companies like Allstate and Progressive seem to constantly run ads on television and other media. They all advertise the message of big savings if you change your insurance coverage policy to them. How does every insurance coverage company charge you a lower premium?

Companies have a preferred profile for the type of driver that will be a good risk. One example of a desirable risk should be between the ages of 30 and 50, is a homeowner, and drives less than 10,000 miles a year. Any driver who matches those parameters is entitled to the best price and have a good chance to save if they switch.

Insureds who may not quite match the ideal profile may be required to pay higher rates and ends up with the customer buying from a different company. The trick is to say “drivers that switch” not “everyone that quotes” save that much when switching. That’s why companies can truthfully state the savings. This emphasizes why you really should compare free auto insurance quotes often. It’s just not possible to know the company that will have the best car insurance rates at this point in time.

Information about specific coverages

Learning about specific coverages of a car insurance policy helps when choosing the best coverages at the best deductibles and correct limits. Policy terminology can be confusing and reading a policy is terribly boring. Shown next are typical coverages offered by car insurance companies.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance reimburse you for expenses for nursing services, X-ray expenses and funeral costs. They are often used to fill the gap from your health insurance plan or if you lack health insurance entirely. Coverage applies to all vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. 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 liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Liability coverage – This coverage provides protection from damage that occurs to people or other property in an accident. It protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 50/100/50 which stand for $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against things like attorney fees, medical expenses, funeral expenses and medical services. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as much as you can afford.

Comprehensive coverage – Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as damage from getting keyed, damage from flooding, rock chips in glass and hitting a bird. The maximum amount your car insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision coverages – Collision insurance covers damage to your Rogue from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as driving through your garage door, rolling your car and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. You can also choose a higher deductible to bring the cost down.

Final thoughts

We just covered a lot of ways to compare 2023 Nissan Rogue insurance car insurance rates online. It’s most important to understand that the more providers you compare, the better chance you’ll have of finding inexpensive auto insurance. Consumers may even find the lowest car insurance rates are with a smaller regional carrier. Some small companies may have significantly lower premium rates on certain market segments than their larger competitors like Progressive and GEICO.

When buying insurance coverage, it’s very important that you do not sacrifice coverage to reduce premiums. There have been many cases where someone dropped collision coverage only to regret at claim time that they should have had better coverage. The goal is to purchase a proper amount of coverage at the best possible price.

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