Cheap 2014 Nissan Rogue Select Insurance Quotes

Wish you could get a refund on an underperforming, overpriced insurance policy? You’re preaching to the choir because many drivers have buyer’s remorse.

You have multiple car insurance companies to purchase coverage from, and though it is a good thing to be able to choose, so many choices can make it hard to find the lowest rates.

Which insurance is cheapest?

When comparison shopping, there are several ways to get quotes from local insurance companies. One of the best ways to lower the rate you pay for 2014 Nissan Rogue Select insurance is to jump online and get quotes. This is quite simple and can be completed in just a few minutes using one of these methods.

  1. The best way to find low rates is an all-inclusive rate comparison click here to open form in new window. This form keeps you from doing separate quote forms for every insurance company. A single form compares rates direct from many companies.
  2. A less efficient way to get comparison quotes consists of going to each company website and complete a new quote form. For sake of this example, let’s say you want to see prices from USAA, Safeco and GEICO. To do that, you would have to spend time on each company’s site to enter your coverage information, and that’s why the first method is more popular. For a list of companies in your area, click here.

You can choose any of those ways to find more affodable coverage, but double check that you are using exactly the same coverages and limits for each price quote. If you compare different deductibles it’s not possible to truly determine the lowest rate. Even a minor difference in coverages can make a big difference in price. Just keep in mind that making a lot of price comparisons will increase your chances of finding a lower rate than you’re paying now.

Insurance coverage advertisements

Insurance coverage providers like State Farm, Allstate and GEICO endlessly run ads in print and on television. They all seem to make an identical promise that drivers can save some big amount if you just switch to them. That’s great but how can every company offer drivers better rates? It’s all in the numbers.

Most companies have specific criteria for the type of customer that makes them money. One example of a desirable insured may be between the ages of 30 and 45, has few claims, and does not commute to work. Someone that matches those criteria will get a cheap rate quote and will cut their rates substantially.

Drivers who fall outside this stringent profile may be forced to pay a higher rate and ends up with business going elsewhere. The trick is to say “drivers that switch” not “everyone that quotes” can get the lowest rates when switching. That’s why companies can make the claims of big savings.

Because each company has a different risk profile, you really need to compare free auto insurance quotes often. It’s not possible to predict with any certainty which company will have better premium rates than you’re paying now.

Nissan Rogue Select insurance price factors

Consumers need to have an understanding of the rating factors that play a part in calculating the rates you pay for auto insurance. If you have some idea of what determines base rates, this enables informed choices that can earn you lower premium levels.

  • Gender impacts costs – Over the last 30 years, statistics show that females take fewer risks when driving. It does not mean men are WORSE drivers than women. Both genders are responsible for at-fault accidents in similar percentages, but guys cause more damage. They also receive more costly citations like DUI and reckless driving.
  • Careless drivers pay higher premiums – Drivers with clean records receive lower rates compared to bad drivers. Even a single ticket could increase your next policy renewal forty percent or more. Drivers unfortunate enough to have flagrant violations like DUI or reckless driving may need to submit a SR-22 or proof of financial responsibility with their state in order to prevent their license from being revoked.
  • Never go without auto insurance – Having a lapse in insurance coverage can be a fast way to bump up your auto insurance costs. In addition to paying higher premiums, failure to provide proof of insurance can result in a license revocation or jail time. You may then have to prove you have insurance by filing a SR-22 with your state motor vehicle department to get your license reinstated.
  • Low mileage costs less – The higher the mileage driven annually the more you will pay for auto insurance. A lot of companies price each vehicle’s coverage partially by how you use the vehicle. Autos left parked in the garage cost less to insure than vehicles that have high annual mileage. An incorrectly rated Rogue Select may be wasting your money. It’s a smart idea to ensure your auto insurance policy correctly shows annual mileage.
  • Auto insurance rates and age – Older people are more responsible, file fewer claims , and are generally more financially stable.Youthful drivers are statistically shown to get distracted easily with other occupants in the car so auto insurance rates are higher.
  • Urban residents pay more – Residing in small towns and rural areas may provide you with better prices when shopping for auto insurance. Lower population translates into fewer accident claims and a lower car theft rate. People who live in big cities tend to have more auto accidents and more severe claims. Spending more time driving means a statistically higher chance of an accident.
  • File policy claims and pay more – Insurance companies award the lowest premiums to policyholders who only file infrequent claims. If you’re an insured who likes to file claims you can definitely plan on either higher rates or even cancellation. Your car insurance is designed for larger claims.
  • Liability insurance limits on your policy – Liability insurance will afford coverage if a jury decides you are liable for personal injury or accident damage. Your liability coverage provides legal defense coverage to attempt to prove you were not liable. Liability insurance is pretty cheap when compared to the cost of physical damage coverage, so insureds should have plenty of protection for their assets.

Find hidden discounts to get affordable insurance rates

Some companies don’t always advertise every discount they offer very well, so the list below details a few of the more well known as well as the least known credits that you can use to lower your rates.

  • Payment Method – If paying your policy premium upfront rather than spreading payments over time you may have a lower total premium amount.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if offered at their school.
  • Active Military Service – Being deployed with a military unit could mean lower prices.
  • Early Signing – Some companies give discounts for switching policies prior to the expiration date on your current policy. It’s a savings of about 10%.
  • Clubs and Organizations – Being a member of certain professional organizations can get you a small discount on your bill.
  • Policy Bundle Discount – If you insure your home and vehicles and insure them with the same company you may earn approximately 10% to 15%.
  • Anti-lock Brakes – Cars and trucks that have anti-lock braking systems can avoid accidents and will save you 10% or more.

You can save money using discounts, but most discounts do not apply to the entire cost. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. Even though it appears you can get free auto insurance, it doesn’t quite work that way. But any discount will help reduce your insurance premiums.

The best insurance companies and their offered discounts include:

  • State Farm offers discounts for good student, Steer Clear safe driver discount, multiple policy, Drive Safe & Save, driver’s education, accident-free, and safe vehicle.
  • Progressive has savings for online quote discount, continuous coverage, multi-vehicle, online signing, homeowner, and multi-policy.
  • Travelers may have discounts that include driver training, IntelliDrive, payment discounts, hybrid/electric vehicle, new car, continuous insurance, and student away at school.
  • American Family may offer discounts for bundled insurance, mySafetyValet, multi-vehicle, TimeAway discount, Steer into Savings, and defensive driver.
  • Liberty Mutual includes discounts for new move discount, teen driver discount, newly retired, good student, and multi-car.

When getting a coverage quote, ask each insurance company which discounts you qualify for. Some discounts listed above may not apply to policies in every state. For a list of insurers that can offer you the previously mentioned discounts, click this link.

Tailor your car insurance coverage to you

When it comes to choosing adequate coverage, there isn’t really a one size fits all plan. Everyone’s situation is a little different and a cookie cutter policy won’t apply. Here are some questions about coverages that may help highlight whether you would benefit from an agent’s advice.

  • When would I need rental car insurance?
  • Is business equipment covered while in my vehicle?
  • What is UM/UIM insurance?
  • Am I covered if I wreck a rental car?
  • Does my policy pay for OEM or aftermarket parts?
  • Am I insured when driving a different vehicle?
  • Is my state a no-fault state?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of car insurance companies in your area.

Car insurance coverage information

Knowing the specifics of your car insurance policy helps when choosing the right coverages and the correct deductibles and limits. Car insurance terms can be confusing and coverage can change by endorsement. Listed below are the usual coverages found on the average car insurance policy.

Coverage for collisions

Collision insurance will pay to fix damage to your Rogue Select from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like driving through your garage door, hitting a mailbox, colliding with a tree and damaging your car on a curb. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. You can also bump up the deductible to get cheaper collision coverage.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Nissan Rogue Select.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Normally these coverages do not exceed the liability coverage limits.

Comprehensive car insurance

Comprehensive insurance covers damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as fire damage, a broken windshield, damage from flooding, hitting a deer and rock chips in glass. The maximum amount your car insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability insurance

Liability coverage protects you from damages or injuries you inflict on other people or property by causing an accident. It protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Alternatively, you may have a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for claims such as court costs, legal defense fees, structural damage and medical expenses. How much liability coverage do you need? That is a decision to put some thought into, but buy higher limits if possible.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for doctor visits, ambulance fees, prosthetic devices, EMT expenses and surgery. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP is not universally available and gives slightly broader coverage than med pay

Feed the piggy bank

As you go through the steps to switch your coverage, don’t be tempted to skimp on coverage in order to save money. There have been many situations where drivers have reduced liability coverage limits only to discover later that the few dollars in savings costed them thousands. Your goal should be to buy the best coverage you can find at an affordable rate, not the least amount of coverage.

A few companies may not offer the ability to get a quote online and many times these smaller providers provide coverage only through independent agents. Cost effective 2014 Nissan Rogue Select insurance can be purchased both online as well as from insurance agents, and you need to price shop both to have the best rate selection.

We just showed you some good ideas how you can get a better price on 2014 Nissan Rogue Select insurance. It’s most important to understand that the more quotes you get, the higher your chance of finding affordable auto insurance. Consumers could even find that the best price on car insurance is with the least-expected company. Some small companies can often insure niche markets at a lower cost compared to the large companies like Progressive or GEICO.

Additional information can be found at the links below