2024 Nissan Rogue Car Insurance Cost – 7 Tips for Cheapest Prices

Enter your zip code below to view companies that have cheap auto insurance rates.

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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Trying to find lower insurance coverage rates for your Nissan Rogue? Are you overwhelmed by the crazy number of insurance coverage sources? Lot’s of other drivers are too. There are so many options that it can turn into a challenge to compare prices.

How to get free car insurance quotes online

The majority of larger companies allow you to get prices from their websites. Getting quotes can be done by anyone as all you need to do is type in your coverage preferences as detailed in the form. When complete, the system requests reports for credit and driving violations and gives you a price quote based on the data you entered.

Online price quotes helps simplify price comparisons, but the time it takes to visit many different websites and type in the same information is a big time waster. But it’s necessary to get many rate quotes if you want to get a lower rate.

There is a better way to compare rates

An easier way to find lower prices utilizes a single form to get prices from several companies at one time. The form is fast, eliminates repetitive work, and makes comparison shopping much easier to do. After your information is entered, your coverage is rated and you can select any one of the quote results.

If one or more price quotes are lower than your current rates, you can click and sign and purchase coverage. The whole process only takes a few minutes and you will find out if you’re overpaying now.

To save time and get comparison pricing now, simply enter your zip code here and fill out the form. To compare your current rates, we recommend you type in identical to your current policy. This helps ensure you’re receiving comparison quotes based on similar coverages.

Find hidden discounts to get affordable car insurance quotes

Some insurers don’t necessarily list every discount available very clearly, so the list below details a few of the more common and the more hidden car insurance savings.

  • Driving Data Discount – Insureds that choose to allow their car insurance company to study vehicle usage through the use of a telematics system such as State Farm’s In-Drive might get better premium rates if they are good drivers.
  • Discount for New Cars – Insuring a new car can save up to 30% due to better safety requirements for new model year vehicles.
  • Senior Discount – Drivers that qualify as senior citizens can possibly qualify for a discount up to 10% for Rogue coverage.
  • E-sign Discounts – Certain insurance companies may give you up to $50 for buying your policy on the web.
  • Passenger Safety Discount – Vehicles with factory air bags or motorized seat belts may earn rate discounts as much as 30%.
  • Theft Prevention Discount – Vehicles with anti-theft systems have a lower chance of being stolen and qualify for as much as a 10% discount.
  • Distant Student Discount – who are enrolled in a college that is more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.

Consumers should know that most credits do not apply to the overall cost of the policy. The majority will only reduce individual premiums such as physical damage coverage or medical payments. So even though you would think all the discounts add up to a free policy, that’s just not realistic.

To find car insurance companies that provide some of the discounts listed above, enter your zip code here.

Tailor your car insurance coverage to you

When it comes to buying proper insurance coverage for your vehicles, there really is no perfect coverage plan. Your needs are not the same as everyone else’s.

These are some specific questions could help you determine whether your personal situation could use an agent’s help.

  • What is no-fault insurance?
  • If I drive on a suspended license am I covered?
  • Should I buy additional glass protection?
  • What can I do if my company denied a claim?
  • Do I pay less for low miles?
  • Do I need higher collision deductibles?
  • Why do I only qualify for high-risk insurance?
  • Should I get collision insurance on every vehicle?
  • Do I need medical payments coverage since I have good health insurance?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, simply complete your zip code.

Auto insurance coverage information

Knowing the specifics of auto insurance helps when choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage reimburse you for expenses for things like funeral costs, rehabilitation expenses, prosthetic devices and nursing services. The coverages can be utilized in addition to your health insurance program or if you do not have health coverage. They cover both the driver and occupants and will also cover being hit by a car walking across the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

This coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Nissan Rogue.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Most of the time these limits do not exceed the liability coverage limits.

Comprehensive insurance

This coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like damage from flooding, rock chips in glass, theft and hail damage. The maximum amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability coverage

This coverage can cover damages or injuries you inflict on a person or their property. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 100/300/100 that translate to a limit of $100,000 per injured person, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things like repair costs for stationary objects, loss of income, funeral expenses, court costs and medical services. How much coverage you buy is up to you, but buy as high a limit as you can afford.

Collision coverage

Collision coverage will pay to fix damage to your Rogue from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims such as crashing into a ditch, hitting a parking meter and crashing into a building. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Have money to burn

Lower-priced insurance is attainable both online in addition to local insurance agencies, and you need to price shop both to have the best rate selection. Some insurance providers may not offer rate quotes online and many times these small, regional companies only sell through local independent agencies.

When you buy auto insurance online, it’s very important that you do not skimp on coverage in order to save money. In many cases, an accident victim reduced uninsured motorist or liability limits only to find out that the small savings ended up costing them much more. Your goal should be to buy a smart amount of coverage for the lowest cost, but do not skimp to save money.

Insureds change insurance companies for many reasons like policy non-renewal, high rates after DUI convictions, an unsatisfactory settlement offer and poor customer service. It doesn’t matter why you want to switch switching companies can be easy and end up saving you some money.

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