2008 Nissan Rogue Car Insurance Cost

Searching for cheap insurance on the internet can be problematic for people who are new to buying insurance on the web. Because there are so many companies in the marketplace, how can you effectively compare every company to locate the best available rates?

You should take the time to shop coverage around every six months since rates go up and down regularly. Even if you think you had the best rates for Rogue coverage two years ago there is a good chance you can find better rates now. Forget anything you know (or think you know) about insurance because I’m going to let you in on the secrets to the things you must know in order to eliminate unnecessary coverages and save money.

How to Get Insurance Comparison Quotes

The are a couple different ways to compare rate quotes and find the best price. The best method to find the cheapest 2008 Nissan Rogue insurance rates is to get quotes online. This can be accomplished in a couple of different ways.

  1. One of the best ways consumers can make multiple comparisons is to use a rate comparison form (click to open form in new window). This method saves time by eliminating separate quotation requests for each company. One form will get you rate comparisons from many national carriers. This is by far the quickest method.
  2. A harder way to get quotes online is to manually visit the website of each company to request a price quote. For examples sake, let’s say you want to compare rates from Auto-Owners, Farmers and GMAC. To get each rate you have to go to every website and enter your information, which is why most consumers use the first method.

    To view a list of companies in your area, click here.

  3. The hardest way of comparing rate quotes is to drive around to insurance agents’ offices. Buying insurance online can eliminate the need for a local agent unless you require the trained guidance only provided by licensed agents. You can, however, get prices online and get advice from an agent in your area and you’ll learn how to do that later.

It’s up to you how you get prices quotes, just compare the exact same coverage limits for every quote you compare. If you use different deductibles it will be very difficult to make a fair comparison for your Nissan Rogue. Just a small difference in coverages can mean a large discrepancy in price. Just remember that obtaining a wide range of quotes helps you find the best offered rates.

Cut your insurance coverage rates with discounts

Companies that sell car insurance do not list all available discounts in a way that’s easy to find, so we researched both the well known and also the lesser-known savings tricks you should be using.

  • No Charge for an Accident – A few companies will allow you to have one accident before raising your premiums if you are claim-free for a set time period.
  • Multiple Policy Discount – If you insure your home and vehicles with one company you will save up to 20% off your total premium.
  • Sign Online – A handful of insurance companies may give you up to $50 for buying your policy digitally online.
  • New Car Discount – Putting insurance coverage on a new car can cost up to 25% less due to better safety requirements for new cars.
  • Discount for Life Insurance – Some companies give a discount if you purchase life insurance from them.
  • Low Mileage – Fewer annual miles on your Nissan can qualify you for better rates on cars that stay parked.
  • Accident Free – Drivers who don’t have accidents pay less compared to accident-prone drivers.
  • Service Members Pay Less – Being deployed with a military unit can result in better rates.
  • Good Student – This discount can get you a discount of up to 25%. This discount can apply until age 25.

Keep in mind that some credits don’t apply to the entire cost. Some only reduce specific coverage prices like comprehensive or collision. So when the math indicates adding up those discounts means a free policy, it doesn’t quite work that way.

To see a list of companies with the best insurance coverage discounts, follow this link.

Factors that can influence insurance rates for a Nissan Rogue

An important part of buying insurance is that you know some of the elements that play a part in calculating the price you pay for insurance. Understanding what influences your rates empowers consumers to make smart changes that could result in better insurance rates.

Shown below are some of the items used by your company to calculate premiums.

  • Don’t get talked into coverage you don’t need – There are a lot of additional coverages that you can buy on your insurance policy. Things like personal injury protection, towing coverage and membership fees are examples of these. These may sound like a good investment initially, but your needs may have changed so remove them from your policy.
  • Males pay more for insurance – Statistics demonstrate that men are more aggressive behind the wheel. Now that doesn’t mean men are worse drivers. They both have accidents at about the same rate, but men tend to have more serious accidents. Men also get more serious tickets such as reckless driving.
  • High deductibles save money – Your deductibles represent how much money you are required to spend out-of-pocket if you file a covered claim. Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your car. A few examples of covered claims could be colliding with a building, vandalism, and burglary. The more money you have to pay, the bigger discount you will receive for Rogue coverage.
  • Tickets mean higher rates – Even a single speeding ticket can increase rates by twenty percent. Good drivers get better rates compared to drivers with tickets. Drivers who get flagrant violations such as DWI, reckless driving or hit and run convictions may be required to file a SR-22 with the DMV in their state in order to keep their license.
  • More claims means more premium – Companies award cheaper rates to policyholders who file claims infrequently. If you tend to file frequent claims, you can pretty much guarantee either a policy non-renewal or much higher rates. Auto insurance is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
  • More than one policy can earn a discount – Many insurers will give a discount to policyholders who consolidate policies with them in the form of a multi-policy discount. Even with this discount, it’s still a good idea to shop around to ensure the best deal. You may still find a better deal by splitting coverages up.

You are unique and your car insurance should be too

When buying the right 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 can help discover whether your personal situation would benefit from an agent’s advice.

  • What if I don’t agree with a claim settlement offer?
  • Are rental cars covered under my policy?
  • Am I covered when using my vehicle for business?
  • Should I have combined single limit or split liability limits?
  • How can I get high-risk coverage after a DUI?
  • Do I need added coverage for expensive stereo equipment?

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, complete this form.

Insurance coverage ads bend the truth

State Farm, GEICO and Progressive consistently run ads in print and on television. All the companies say the same thing that you’ll save big if you change your policy. How can each company make the same claim?

All the different companies can use profiling for the type of driver that earns them a profit. For instance, a preferred risk might be between 25 and 40, insures multiple vehicles, and has great credit. A driver that hits that “sweet spot” gets the lowest rates and as a result will probably save a lot of money.

Drivers who fall outside the “perfect” profile must pay higher premiums which usually ends up with the driver buying from a lower-cost company. The ads state “customers that switch” but not “drivers who get quotes” save that much money. That’s the way insurance companies can make the claims of big savings. This illustrates why you absolutely need to get a wide range of price quotes. It is impossible to predict which insurance coverage company will give you the biggest savings on Nissan Rogue insurance.

Coverage specifics

Learning about specific coverages of auto insurance helps when choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Uninsured or underinsured coverage – This coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Medical expense coverage – Medical payments and Personal Injury Protection insurance pay for expenses such as prosthetic devices, doctor visits, EMT expenses and surgery. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. It covers all vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Collision – This will pay to fix damage to your Rogue resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims like hitting a mailbox, crashing into a ditch, backing into a parked car, driving through your garage door and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to bring the cost down.

Comprehensive protection – Comprehensive insurance pays for 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 insurance covers things like a broken windshield, fire damage, hitting a deer, theft and damage from getting keyed. The highest amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability – This can cover damage or injury you incur to other people or property that is your fault. It protects you against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers claims like repair costs for stationary objects, emergency aid and legal defense fees. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

A tidy conclusion

The cheapest 2008 Nissan Rogue insurance can be bought on the web as well as from independent agents, so you should compare both in order to have the best price selection to choose from. There are still a few companies who don’t offer the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.

We’ve covered many ideas to get a better price on insurance. The key concept to understand is the more quotes you get, the more likely it is that you will get a better rate. You may even find the best prices are with the smaller companies.

Insureds who switch companies do it for any number of reasons including poor customer service, high rates after DUI convictions, delays in paying claims or unfair underwriting practices. Regardless of your reason for switching companies, finding a great new company can be pretty painless.

More information is available at the links below