2012 Nissan Rogue Insurance Cost – 10 Tips for Cheaper Prices

Want the cheapest car insurance rates for your Nissan Rogue? Finding low cost car insurance can be nearly impossible for beginners to buying insurance online. Consumers have so many choices that it can easily turn into a difficult mission to locate the lowest price.

Compare insurance coverage rates

When comparison shopping, there are several ways to compare quotes from local insurance coverage companies. The best way to lower the rate you pay for 2012 Nissan Rogue insurance is to get quotes online. This is very easy and can be done using a couple different methods.

  1. The fastest and easiest way to get quotes is an all-inclusive rate comparison like this one (opens in new window). This method saves time by eliminating a different quote for every insurance coverage company. A single, simple form gets rate comparisons from insurance coverage companies with the best prices. It’s the fastest way to compare.
  2. A different way to compare prices requires visiting each individual company website to complete their respective quote request forms. For sake of this example, we’ll assume you want to compare prices for Farmers, 21st Century and State Farm. To get each rate you have to go to every website to enter the same coverage data repeatedly, which can take a lot of time.

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

  3. The most time-consuming method to comparison shop rate quotes is actually driving to and from local insurance agencies. Buying insurance online eliminates this option unless you want the trained advice that can only be provided by a licensed insurance agent. Drivers can obtain prices from the web but purchase the actual policy in an agency.

The approach you take is up to you, just be sure to compare identical deductibles and coverage limits on every quote. If each company quotes unequal deductibles or liability limits then you won’t be able to make a fair rate comparison. Just slight variations in insurance coverages may result in large price differences. And when comparison shopping, more quotes helps increase your odds of locating the best offered rates.

Do you qualify for discount auto insurance?

Some companies do not advertise all possible discounts very clearly, so the following is a list of both well-publicized as well as the least known discounts that may be available.

  • Save over 55 – Drivers over the age of 55 may receive lower premium rates on Rogue insurance.
  • Pay Early and Save – If you pay your bill all at once rather than paying monthly you may have a lower total premium amount.
  • Discounts for Responsible Drivers – Drivers who avoid accidents can save as much as half off their rates on Rogue insurance compared to rates paid by drivers with frequent claims.
  • Theft Deterent Discount – Cars and trucks equipped with tracking devices and advanced anti-theft systems are less likely to be stolen and therefore earn up to a 10% discount.
  • Discount for Life Insurance – If the company offers life insurance, you could get lower auto insurancerates if you buy auto and life insurance together.
  • Discount for Passive Restraints – Vehicles equipped with air bags or automatic seat belts could see savings of up to 25% or more.
  • Early Renewal Discounts – Some companies give discounts for switching policies prior to your current policy expiration. The savings is around 10%.
  • Low Miles Discount – Fewer annual miles on your Nissan could earn slightly better premium rates than normal.
  • Federal Government Employee – Federal government employees may reduce rates when you quote car insurance on Rogue insurance with a few auto insurance companies.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems have fewer accidents and therefore earn up to a 10% discount.

Don’t be surprised that most of the big mark downs will not be given to your bottom line cost. Some only apply to the cost of specific coverages such as liability and collision coverage. Even though it may seem like you can get free auto insurance, you aren’t that lucky.

Popular auto insurance companies and some of the premium reductions they offer are included below.

  • GEICO may have discounts that include emergency military deployment, multi-vehicle, military active duty, anti-lock brakes, and defensive driver.
  • USAA includes discounts for multi-policy, family discount, loyalty savings, annual mileage, and vehicle storage.
  • Progressive offers discounts including good student, continuous coverage, homeowner, online signing, multi-policy, multi-vehicle, and online quote discount.
  • American Family may offer discounts for early bird, bundled insurance, mySafetyValet, Steer into Savings, and good student.
  • Esurance policyholders can earn discounts including homeowner, multi-car, anti-lock brakes, good driver, and anti-theft.
  • Farmers Insurance offers premium reductions for early shopping, good student, mature driver, bundle discounts, business and professional, youthful driver, and multi-car.
  • State Farm has discounts for good student, accident-free, defensive driving training, driver’s education, safe vehicle, and multiple autos.

When comparing rates, check with each company or agent which discounts you qualify for. Discounts might not be offered in your state.

What insurance coverages do I need?

When it comes to buying the best auto insurance coverage for your vehicles, there isn’t really a perfect coverage plan. Your needs are not the same as everyone else’s.

These are some specific questions might point out whether your personal situation may require specific advice.

  • Why do I only qualify for high-risk insurance?
  • What if I total my 2012 Nissan Rogue and owe more than it’s worth?
  • Can my teen driver be rated on a liability-only vehicle?
  • How much underlying liability do I need for an umbrella policy?
  • What is no-fault insurance?
  • Do I pay less for low miles?
  • Does having multiple vehicles earn me a discount?

If you’re not sure about those questions, 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.

Coverages available on your insurance policy

Learning about specific coverages of insurance helps when choosing appropriate coverage for your vehicles. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Comprehensive protection

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like hail damage, rock chips in glass, hitting a deer and a tree branch falling on your vehicle. The highest amount your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Auto liability insurance

This will cover damage or injury you incur to a person or their property by causing an accident. This coverage protects you against other people’s claims, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability insurance covers things such as loss of income, bail bonds and structural damage. How much coverage you buy is a decision to put some thought into, but you should buy as much as you can afford.

Uninsured or underinsured coverage

Your UM/UIM coverage provides protection from other motorists when they either have no liability insurance or not enough. It can pay for injuries to you and your family and damage to your Nissan Rogue.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Collision coverage

Collision coverage 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 insurance covers claims such as scraping a guard rail, colliding with a tree, crashing into a building, rolling your car and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Another option is to choose a higher deductible to save money on collision insurance.

Medical expense coverage

Med pay and PIP coverage kick in for expenses like X-ray expenses, surgery and doctor visits. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants as well as being hit by a car walking across the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Online plus local equals savings

Low-cost 2012 Nissan Rogue insurance is attainable online as well as from insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some companies may not provide online quoting and usually these smaller providers provide coverage only through independent agencies.

As you shop your coverage around, make sure you don’t buy lower coverage limits just to save a few bucks. There have been many situations where someone dropped collision coverage and discovered at claim time they didn’t have enough coverage. The ultimate goal is to get the best coverage possible at the best price but still have enough coverage for asset protection.

Insureds change insurance companies for a number of reasons such as denial of a claim, lack of trust in their agent, high rates after DUI convictions or even delays in paying claims. Whatever your reason, finding a great new company is easier than you think.

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