Save on 2013 Nissan Rogue Insurance Quotes

Are you sick and tired of scraping the payment together to pay high auto insurance rates every month? You are no different than most other drivers. With so many auto insurance companies to choose from, it can be diffult for people to pick the cheapest insurance company.

It’s a good idea to compare rates as often as possible because auto insurance prices are adjusted regularly by insurance companies. Just because you found the lowest rates for Rogue coverage at your last renewal there may be better deals available now. Forget all the misinformation about auto insurance because I’m going to teach you the only way to remove unneeded coverages and save money.

These discounts can slash auto insurance rates

Companies don’t always advertise all available discounts in an easy-to-find place, so the following list contains some of the best known as well as some of the hidden credits that may apply to you. If you are not receiving all the discounts possible, it’s possible you qualify for a lower rate.

  • Defensive Driver Discount – Completing a course in defensive driver could cut 5% off your bill if you qualify.
  • Save over 55 – Mature drivers can possibly qualify for better auto insurance rates for Rogue coverage.
  • Discount for Good Grades – A discount for being a good student may save you up to 25%. Many companies even apply the discount to college students up until you turn 25.
  • Government Employee Discount – Employees or retirees of the government can earn a discount up to 10% for Rogue coverage but check with your company.
  • Accident-Free Discounts – Insureds with no claims or accidents pay less as compared to frequent claim filers.
  • Data Collection Discounts – Insureds who allow their auto insurance company to look at vehicle usage by using a telematics device in their vehicle like Allstate’s Drivewise could save a few bucks if they exhibit good driving behavior.
  • Distant Student – living away from home attending college without a vehicle on campus can be insured at a reduced rate.
  • Theft Prevention System – Cars that have factory anti-theft systems can help prevent theft and can earn a small discount on your policy.
  • Multiple Cars – Buying coverage for multiple cars or trucks on a single policy can get a discount on all vehicles.
  • Professional Organizations – Joining specific professional or occupational memberships or organizations could qualify you for a break on your bill.

Drivers should understand that some credits don’t apply to all coverage premiums. Most only apply to the price of certain insurance coverages like comp or med pay. Just because you may think you would end up receiving a 100% discount, company stockholders wouldn’t be very happy. But any discount will reduce your auto insurance premiums.

If you would like to see a list of auto insurance companies that offer multiple discounts, click here to view.

When do I need an agent’s advice?

When buying adequate coverage for your vehicles, there is no perfect coverage plan. Everyone’s situation is unique so this has to be addressed. These are some specific questions might point out whether or not you might need an agent’s assistance.

  • Is my Nissan Rogue covered if I use it for business?
  • What is roadside assistance coverage?
  • If my 2013 Nissan Rogue is totaled, can I afford another vehicle?
  • Am I covered when driving a rental car?
  • Do I need rental car coverage?
  • When would I need additional glass coverage?
  • Can I make deliveries for my home business?
  • Does coverage extend to my business vehicle?
  • Does my personal policy cover me when driving out-of-state?
  • What is no-fault insurance?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier It only takes a few minutes and may give you better protection.

Be skeptical of auto insurance ads

Consumers get pounded daily by advertisements that claim the lowest prices by companies like State Farm, GEICO and Progressive. All the ads make the same claim that drivers will save a bundle after switching to them.

How is it possible that every company can make the same claim?

All the different companies quote the lowest rates for the right customer that earns them the most money. A good example of a desirable insured might be described as between the ages of 30 and 50, has few claims, and drives less than 7,500 miles a year. Someone who fits that profile receive the lowest rate quotes and as a result will probably save when switching.

Consumers who are not a match for this stringent profile must pay a higher rate and this results in the customer buying from a different company. If you listen closely, the ads state “people that switch” not “everyone who quotes” save that much money. That’s why insurance companies can confidently make those statements. Because each company has a different risk profile, you really need to get as many free insurance coverage quotes as possible. It is just not possible to predict which company will have the lowest car insurance rates for your situation.

Car insurance coverages explained

Having a good grasp of car insurance can be of help when determining the best coverages for your vehicles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Listed below are the usual coverages found on the average car insurance policy.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance reimburse you for expenses for things like pain medications, nursing services, X-ray expenses, chiropractic care and doctor visits. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants and will also cover getting struck while a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Collision coverages – Collision coverage covers damage to your Rogue resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as driving through your garage door, scraping a guard rail and hitting a parking meter. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Coverage for liability – Liability insurance protects you from injuries or damage you cause to other people or property. It protects you against claims from other people, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability coverage pays for claims such as loss of income, medical services and structural damage. How much coverage you buy is your choice, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive auto coverage – This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as vandalism, damage from a tornado or hurricane, falling objects, rock chips in glass and damage from getting keyed. The maximum amount your car insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

What is YOUR best insurance company?

There are still a few companies who don’t offer online quoting and usually these smaller providers work with independent insurance agencies. Lower-priced 2013 Nissan Rogue insurance is definitely available from both online companies and from local insurance agents, so compare prices from both to have the best chance of lowering rates.

As you shop your coverage around, it’s a bad idea to reduce coverage to reduce premium. There have been many situations where consumers will sacrifice full coverage to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.

More detailed insurance coverage information can be read by following these links: