How Much Does 2011 Nissan Rogue Insurance Cost?

Looking for the cheapest insurance rates for your Nissan Rogue? Finding the cheapest insurance for your Nissan Rogue can turn out to be an all-consuming task, but you can learn our insurance buying tips to find lower rates. There are both good and bad ways to compare insurance rates and we’ll show you the proper way to price shop coverage for your Nissan and find the lowest price either online or from local insurance agents.

You should take the time to compare prices as often as possible because insurance prices are variable and change quite frequently. Just because you found the best rates for Rogue insurance a few years ago there may be better deals available now. Ignore everything you know about insurance because you’re about to find out how to use the internet to reduce your cost while improving coverage.

Finding affordable coverage is easy if you know what you’re doing. If you have a policy now or need new coverage, you can use these techniques to find better prices while maintaining coverages. Drivers just need to learn the most efficient way to find the lowest price online.

These discounts can slash car insurance rates

Some insurers don’t list all available discounts in an easy-to-find place, so here is a list both well-publicized and the harder-to-find credits available to lower your premiums when you buy insurance coverage online.

  • Use Seat Belts – Using a seat belt and requiring all passengers to buckle up before driving may be able to save a few bucks off the personal injury premium cost.
  • Low Miles Discount – Driving fewer miles can qualify you for substantially lower car insurancerates.
  • Anti-lock Brake System – Cars and trucks with ABS braking systems or traction control can stop better under adverse conditions and will save you 10% or more.
  • Early Payment Discounts – If you pay your bill all at once instead of monthly or quarterly installments you can actually save on your bill.
  • Active Military Service – Having a deployed family member may lower your prices slightly.
  • Discounts for Federal Employees – Being employed by or retired from a federal job can earn a discount up to 10% for Rogue insurance but check with your company.
  • Discount for Swiching Early – Some insurance companies give discounts for buying a new policy prior to your current policy expiration. You may see this discount when you get insurance coverage quotes online.

As a disclaimer on discounts, some credits don’t apply to the entire cost. Most only cut specific coverage prices like physical damage coverage or medical payments. Even though the math looks like adding up those discounts means a free policy, it’s just not the way it works. Any amount of discount will positively reduce your car insurance premiums.

Some companies that may offer quotes with these benefits include:

When comparing rates, check with every company what discounts are available to you. Some of the discounts discussed earlier may not apply in your area. For a list of car insurance companies who offer car insurance discounts, follow this link.

How to buy insurance

Most companies allow you to get prices online. Doing online quotes doesn’t take much effort because you just enter your coverage preferences into the form. When complete, their rating system will order information on your driving record and credit history and returns a price based on these factors.

This makes it simple to compare prices but the time required to go to each company’s website and repetitively type in the same data can be a bit repetitive. But it’s necessary to get many rate quotes in order to get the best price possible.

Compare rates the easy way

The smarter way to compare rates uses one form that analyzes rates from multiple companies. It saves time, eliminates repetitive work, and makes online quotes a lot less work. Immediately after you send the form, your coverage is rated with multiple companies and you can pick any or none of the pricing results. If the quotes result in lower rates, you can click and sign and buy the new coverage. The entire process takes 15 minutes at the most and can result in significant savings.

To quickly find out how much you can save on insurance, click here to open in new window and enter your information. If you have your current policy handy, we recommend you duplicate identical to your current policy. Doing this assures you will get rate quotes based on similar coverages.

Nissan Rogue insurance cost factors

Part of the insurance coverage buying process is learning the rating factors that play a part in calculating your policy premiums. If you know what influences your rates, this allows you to make good choices that may reward you with lower premium levels. Lots of factors are considered when quoting car insurance. A few of the factors are predictable like an MVR report, but other factors are less apparent such as your credit history or your commute time.

  • Teenage drivers are expensive to insure – Drivers with little experience are known to be careless and easily distracted when driving with friends so they pay higher insurance coverage rates. More experienced drivers tend to be more responsible, are lower risk to insure and are safer drivers.
  • Pay more by driving carelessly – Only having one ticket can increase the cost of insurance by as much as twenty percent. Good drivers tend to pay less for car insurance than bad drivers. Drivers who have severe tickets such as DWI, reckless driving or hit and run convictions might be required by their state to complete a SR-22 with their state motor vehicle department in order to legally drive.
  • Alarms and GPS tracking lower premiums – Choosing to buy a car with advanced anti-theft systems can help lower your rates. Systems that thwart theives like OnStar, LoJack tracking, and tamper alarms can help prevent auto theft and help lower rates.
  • Drive a safer car and pay less – Cars with high safety ratings cost less to insure. These vehicles reduce the chance of injuries and any reduction in injury severity translates into savings for insurance companies and lower rates for you.
  • Multiple policies with one company – Most insurers afford lower prices to buyers that have more than one policy such as combining an auto and homeowners policy. Even if you’re getting this discount you still need to comparison shop to confirm you are receiving the best rates possible.
  • Your vocation can affect insurance coverage rates – Jobs such as doctors, social workers and financial analysts generally have higher average rates due to high stress levels and extremely grueling work hours. On the flip side, careers like farmers, historians and the unemployed generally pay rates lower than average for Rogue insurance.
  • A lcoverage lapse is a bad thing – Driving with no insurance is a big no-no and any future policy may cost more because you let your insurance coverage expire. In addition to paying higher premiums, not being able to provide proof of insurance can result in a revoked license or a big fine.

When do I need an agent’s advice?

When buying adequate coverage, there is no perfect coverage plan. Everyone’s situation is unique.

Here are some questions about coverages that may help you determine if you may require specific advice.

  • Am I covered by my spouse’s policy after a separation?
  • Am I covered when delivering products for my home-based business?
  • Which companies will insure high-risk drivers?
  • Why do I only qualify for high-risk insurance?
  • Can my teen drive my company car?
  • Am I covered if I wreck a rental car?
  • Can I rent a car in Mexico?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, free and can help protect your family.

Insurance coverage companies are expert advertisers

Consumers can’t escape the ads that claim the best car insurance rates by Progressive, GEICO, Allstate and State Farm. All the companies try to convey promises that people will save if you change to their company.

How can each company offer drivers better rates? Here is how they do it.

Companies look for specific characteristics for the type of customer that earns them the most money. A good example of this type of risk profile might be over the age of 40, insures multiple vehicles, and drives a lower-performance vehicle. Any driver who matches that profile will qualify for the lowest prices and will probably cut their rates if they switch.

Potential insureds who do not meet these standards will probably be forced to pay a more expensive rate and the customer buying from a different company. If you pay close attention to the ads, they say “drivers who switch” not “everybody who quotes” can get the lowest rates when switching. That’s the way companies can truthfully make those statements. This really drives home the point why you need to get as many free insurance coverage quotes as possible. It is just not possible to predict which company will give you the biggest savings.

Information about specific coverages

Knowing the specifics of insurance can help you determine appropriate coverage and the correct deductibles and limits. Policy terminology can be ambiguous and nobody wants to actually read their policy.

Coverage for collisions

Collision insurance pays for damage to your Rogue caused by collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as sustaining damage from a pot hole, colliding with a tree and rolling your car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Liability car insurance

This coverage will cover damage or injury you incur to people or other property that is your fault. This insurance protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 25/50/25 that translate to a $25,000 limit per person for injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for claims like court costs, legal defense fees and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as high a limit as you can afford.

Medical costs insurance

Medical payments and Personal Injury Protection insurance provide coverage for expenses such as X-ray expenses, chiropractic care, dental work, surgery and nursing services. The coverages can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. They cover you and your occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision

This pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as a tree branch falling on your vehicle, falling objects, damage from getting keyed, damage from a tornado or hurricane and fire damage. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your 2011 Nissan Rogue.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Smart shoppers get results

Insureds who switch companies do it for any number of reasons including not issuing a premium refund, lack of trust in their agent, high rates after DUI convictions and an unsatisfactory settlement offer. It doesn’t matter why you want to switch finding a great new company is actually quite simple.

We just covered a lot of tips how to reduce 2011 Nissan Rogue insurance rates online. It’s most important to understand that the more you quote insurance coverage, the better your chances of lowering your auto insurance rates. You may even find the best rates are with some of the smallest insurance companies.

Cheaper 2011 Nissan Rogue insurance is definitely available from both online companies in addition to many insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance providers may not offer the ability to get a quote online and most of the time these small insurance companies prefer to sell through local independent agents.

Helpful resources