2017 Nissan Rogue Insurance Cost – 6 Ways to Save

Want lower car insurance rates for your Nissan Rogue? Trying to find low-cost insurance for your Nissan Rogue can normally be difficult, but you can learn the following methods to make it easier. There are both good and bad ways to compare car insurance rates and you need to know the proper way to compare rates on a Nissan and find the lowest possible price either online or from local insurance agents.

Buying car insurance is not that difficult. If you have insurance now or need new coverage, you can learn to shop for the lowest rates while maximizing coverage. Drivers only need an understanding of the most efficient way to find the lowest price online.

How to compare insurance rate quotes

Reducing your 2017 Nissan Rogue insurance rates is surprisingly easy. The only thing you need to do is take the time to compare free car insurance quotes online from several insurance companies. It is quite easy and can be accomplished using one of these methods.

1. The first (and easiest) way to get quotes would be an industry-wide quote request form click here to open form in new window. This method keeps you from doing separate forms for every insurance company. A single form will return quotes direct from many companies. Just one form and you’re done.
2. A less efficient way to shop for insurance online requires a visit to each company’s website and repeat the quote process again and again. For sake of this example, we’ll assume you want to compare prices for Liberty Mutual, 21st Century and GMAC. To get rate quotes you would need to go to each individual site to enter your coverage information, which can be really labor intensive.

   For a list of links to companies insuring cars in your area, click here.

Take whichever approach you prefer, but make sure you are using equivalent information on every price quote you get. If you have different values for each quote it will be nearly impossible to get a fair rate comparison.

Get affordable insurance coverage with discounts

Auto insurance companies do not advertise every available discount in a way that’s easy to find, so the following list contains some of the best known and the more hidden discounts that you can inquire about if you buy car insurance online.

• Discounts for Federal Employees – Being employed by or retired from a federal job could qualify for a slight premium decrease on Rogue coverage with certain companies.
• Life Insurance Discount – Not all insurance carriers offer life insurance, but some may give you a discounted insurance coverage rate on car insurance if you buy some life insurance too.
• No Charge for an Accident – This isn’t a discount exactly, but a handful of insurance companies may permit one accident without raising rates if you are claim-free for a specific time period.
• Save over 55 – Drivers that qualify as senior citizens are able to get a slight reduction on a car insurance quote on Rogue coverage.
• Seat Belt Discounts – Buckling up and requiring all passengers to buckle their seat belts can save 10% or more on the medical payments or PIP coverage costs.
• Clubs and Organizations – Having an affiliation with a qualifying organization could earn you a nice discount when shopping for insurance coverage.

One last thing about discounts, some credits don’t apply to the entire cost. A few only apply to the price of certain insurance coverages like liability and collision coverage. Even though it appears you would end up receiving a 100% discount, companies wouldn’t make money that way.

A few popular companies and some of the discounts are included below.

• Geico offers premium reductions for daytime running lights, emergency military deployment, driver training, multi-policy, federal employee, and good student.
• Travelers may have discounts that include multi-car, student away at school, IntelliDrive, home ownership, driver training, and payment discounts.
• Farm Bureau offers discounts for multi-policy, driver training, youthful driver, renewal discount, and safe driver.
• Liberty Mutual includes discounts for new vehicle discount, hybrid vehicle, new move discount, multi-car, safety features, good student, and new graduate.
• American Family may offer discounts for multi-vehicle, bundled insurance, TimeAway discount, good student, and defensive driver.
• Progressive may include discounts for online quote discount, multi-policy, good student, multi-vehicle, and continuous coverage.

Check with every prospective company to apply every possible discount. Discounts may not apply to policies in your area.

Tailor your auto insurance coverage to you

When choosing adequate coverage, there really is no “best” method to buy coverage. Every insured’s situation is different.

For instance, these questions could help you determine if your insurance needs would benefit from professional advice.

• When would I need additional glass coverage?
• How can I force my company to pay a claim?
• Does medical payments coverage apply to all occupants?
• Is rental equipment covered for theft or damage?
• Will my rates increase for filing one claim?
• Is my state a no-fault state?
• Am I covered if my car is in a flood?
• Do I pay less if my vehicle is kept in my garage?
• Can I get a multi-policy discount?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, fill out this quick form. It only takes a few minutes and may give you better protection.

Coverages available on your policy

Having a good grasp of your policy can help you determine which coverages you need and the correct deductibles and limits. Auto insurance terms can be confusing and nobody wants to actually read their policy.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage pay for expenses such as rehabilitation expenses, prosthetic devices and funeral costs. They can be utilized in addition to your health insurance policy or if you do not have health coverage. They cover you and your occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Collision coverage – This pays to fix your vehicle from damage 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 claims such as colliding with another moving vehicle, hitting a parking meter, sideswiping another vehicle, scraping a guard rail and driving through your garage door. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to raise the deductible in order to get cheaper collision rates.

Comprehensive insurance – Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like falling objects, damage from a tornado or hurricane and damage from getting keyed. The most your auto insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and damage to your Nissan Rogue.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Auto liability – Liability coverage provides protection from damage or injury you incur to other people or property. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability coverage protects against claims like attorney fees, structural damage, medical services and loss of income. The amount of liability coverage you purchase is a decision to put some thought into, but buy as high a limit as you can afford.