Cheaper 2014 Nissan Rogue Insurance Quotes

No one fancies paying their premiums for auto insurance, particularly when it costs too dang much. Consumers have multiple insurance companies to insure vehicles with, and though it is a good thing to have a selection, having more insurance companies makes it harder to find the lowest rates.

Buy auto insurance online

Finding a lower price on 2014 Nissan Rogue insurance can be quick and easy. All that’s required is to spend a few minutes to compare rate quotes provided by online insurance companies. Comparing prices online can be done in just a few minutes using one of these methods.

The most efficient method consumers can make multiple comparisons is an all-inclusive rate comparison click to view form in new window. This quick form prevents you from having to do separate forms for each price estimate. Just one form gets prices estimates direct from many companies.

A different way to find better pricing requires a trip to each company’s website to request a price quote. For example, let’s assume you want to see prices from Auto-Owners, Farmers and Liberty Mutual. To get each rate you have to spend time on each company’s site to enter the same coverage data repeatedly, and that explains why we recommend the first method.

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

However you get your quotes, be sure you’re using identical coverages for each price quote. If you are comparing different limits and deductibles on each one it’s impossible to get a fair rate comparison.

Get affordable insurance with discounts

Companies don’t always publicize every disount available in an easy-to-find place, so the next list breaks down a few of the more well known and also the more inconspicuous credits available to bring down your rates. If you check and find you aren’t receiving every discount you qualify for, you are not getting the best rate possible.

  • Accident Free – Drivers who don’t have accidents can earn big discounts compared to drivers who are more careless.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles have fewer accidents and the ABS can save up to 10%.
  • Defensive Driving Course – Successfully completing a defensive driving class is a good idea and can lower rates and easily recoup the cost of the course.
  • Service Members Pay Less – Being on active deployment in the military could mean lower insurance rates.
  • Passive Restraints and Air Bags – Factory options such as air bags can get savings of 20% or more.
  • Telematics Discount – Drivers that enable their company to look at driving manner through the use of a telematics system such as In-Drive from State Farm or Allstate’s Drivewise system might get better premium rates if their driving habits are good.
  • Federal Employees – Being employed by or retired from a federal job may qualify for a discount when you quote car insurance for Rogue insurance depending on your company.
  • Discount for New Cars – Buying insurance coverage on a new vehicle can get you a discount since new vehicles have better safety ratings.

It’s important to understand that most discount credits are not given to the entire policy premium. Some only reduce the price of certain insurance coverages like collision or personal injury protection. Even though it may seem like all those discounts means the company will pay you, insurance companies aren’t that generous.

To see a list of providers that offer the discounts shown above, click here.

Tailor your insurance coverage to you

When choosing the right insurance coverage, there really is no one size fits all plan. Every insured’s situation is different so your insurance should reflect that For instance, these questions might help in determining whether or not you would benefit from an agent’s advice.

  • Are rental cars covered under my policy?
  • Do I have coverage when pulling a U-Haul trailer?
  • Does my insurance cover my expensive audio equipment?
  • Is a blown tire covered by insurance?
  • Does my personal policy cover me when driving out-of-state?
  • Is business equipment covered while in my vehicle?
  • When should I drop full coverage on my 2014 Nissan Rogue?

If you can’t answer these questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies. It’s fast, free and may give you better protection.

Insurance coverages 101

Having a good grasp of your policy can help you determine appropriate coverage and the correct deductibles and limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Below you’ll find typical coverages available from insurance companies.

Comprehensive insurance – Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like a tree branch falling on your vehicle, theft, hitting a bird and vandalism. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants and damage to your Nissan Rogue.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Collision coverage – Collision insurance pays to fix your vehicle from damage caused by collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision insurance covers things such as colliding with a tree, rolling your car, driving through your garage door, backing into a parked car and crashing into a ditch. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Auto liability insurance – Liability insurance can cover damage or injury you incur to a person or their property by causing an accident. It protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 100/300/100 which means $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability can pay for things such as medical expenses, medical services and funeral expenses. How much liability coverage do you need? That is a personal decision, but buy as much as you can afford.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for things like rehabilitation expenses, pain medications, prosthetic devices, hospital visits and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants in addition to getting struck while a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Coverage on a shoestring budget

While you’re price shopping online, it’s a bad idea to skimp on coverage in order to save money. There are too many instances where consumers will sacrifice collision coverage only to find out that the savings was not a smart move. Your objective should be to buy the best coverage you can find at the best cost and still be able to protect your assets.

In this article, we presented a lot of techniques to compare 2014 Nissan Rogue insurance premium rates online. The key thing to remember is the more price quotes you have, the better likelihood of getting cheaper car insurance. Consumers could even find that the best premium rates are with the least-expected company. These companies may have significantly lower prices on certain market segments as compared to the big name companies such as GEICO and State Farm.

To learn more, take a look at the resources below: