2010 Nissan Rogue Insurance Rates

Looking for cheaper insurance coverage rates for your Nissan Rogue? No one in their right mind likes having to buy insurance coverage, in particular when the price is too high. Many car insurance companies vie for your hard-earned dollar, so it’s not easy to compare every company to find the absolute lowest rate possible.

It’s a good habit to shop coverage around yearly since rates trend upward over time. Despite the fact that you may have had the best rates on Rogue coverage six months ago other companies may now be cheaper. You can find a lot of wrong information about insurance coverage on the internet, so with this article, you’re going to get some good information on how to find cheap insurance coverage.

Discounts are available to cut your rates

Companies don’t necessarily list all available discounts very clearly, so the following is a list of both the well known as well as the least known discounts you could be receiving. If you’re not getting every credit you qualify for, you’re paying more than you need to.

  • Bundle and Save – If you insure your home and vehicles with one company you will save up to 20% off your total premium.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to use their safety belts can save 10% or more off the personal injury premium cost.
  • Military Rewards – Being on active duty in the military could mean lower rates.
  • Memberships – Affiliation with certain professional organizations may earn a discount when buying insurance coverage on Rogue coverage.
  • Accident Free – Claim-free drivers can save substantially compared to bad drivers.
  • More Vehicles More Savings – Buying coverage for multiple cars or trucks on the same insurance coverage policy could earn a price break for each car.
  • Anti-theft System – Cars that have factory anti-theft systems help deter theft and will save you 10% or more.
  • Safe Driver Discount – Drivers who avoid accidents can get discounts for up to 45% lower rates on Rogue coverage than drivers with accidents.
  • Federal Employees – Being employed by or retired from a federal job can earn a discount up to 10% on Rogue coverage with select insurance companies.
  • Payment Method – If you pay your bill all at once instead of making monthly payments you could save 5% or more.

It’s important to understand that most discounts do not apply to the overall cost of the policy. Most only cut specific coverage prices like liability and collision coverage. So even though it sounds like you can get free auto insurance, you won’t be that lucky.

To see a list of providers who offer insurance coverage discounts, follow this link.

Vehicle Insurance Comparison

Most major insurance companies quote prices on the web. Getting online rates doesn’t take much effort as you simply enter your coverage information as requested by the quote form. When complete, the company’s rating system makes automated requests for your driving and credit reports and generates pricing information determined by many factors. Online quotes makes it a lot easier to compare rates but the time it takes to visit each company’s website and repetitively enter the same data into a form is not the best way to spend an afternoon. Unfortunately, it is important to do this if you want to find the lowest possible prices on car insurance.

The easy way to compare rates

A more efficient way to get multiple rate quotes utilizes a single form to get prices from a bunch of companies at once. The form is fast, requires less work, and makes price shopping online a lot less work. As soon as you send your information, it is rated and you are able to buy your choice of the returned quotes. If one or more price quotes are lower than your current rates, it’s easy to complete the application and purchase the new policy. The whole process takes less than 15 minutes and you’ll know if lower rates are available.

If you want to find out how much you’re overpaying now, click here to open in new window and fill out the form. If you currently have coverage, we recommend you enter coverages and limits exactly as they are listed on your policy. This way, you will have comparison quotes for similar insurance coverage.

Some factors that can determine what Nissan Rogue insurance costs

An important part of buying insurance is that you know the different types of things that go into determining insurance coverage rates. Knowing what controls the rates you pay helps enable you to make changes that may reward you with much lower annual insurance costs.

  • Your stress level may be raising your rates – Jobs such as doctors, executives and financial analysts tend to pay higher average rates attributed to stressful work requirements and long work hours. Conversely, professions such as scientists, engineers and retirees have the lowest average rates on Rogue coverage.
  • Marriage pays dividends – Getting married can actually save you money on your policy. Having a spouse usually means you are more responsible and it’s statistically proven that drivers who are married are more cautious.
  • How many coverages with the same company – The majority of insurance coverage companies provide better rates to customers who buy several policies from them. It’s known as a multi-policy discount. Discounts can be ten or even up to twenty percent in some cases. If you currently are using one company, it’s in your best interest to shop around to ensure the best deal.
  • Liability coverage is peace of mind – Liability insurance is the coverage that protects you if a court rules you are at fault for damages caused by your negligence. Liability insurance provides legal defense coverage which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so drivers should carry high limits.
  • A clean driving record saves money – Your driving record has a big impact on rates. Even a single citation can boost insurance rates forty percent or more. Careful drivers tend to pay less for car insurance than people who have multiple driving citations. Drivers who get severe violations like reckless driving, hit and run or driving under the influence may be required to file a SR-22 with the DMV in their state in order to drive a vehicle legally.

Everyone needs different coverages

When buying proper insurance coverage for your personal vehicles, there really is not a one size fits all plan. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For example, these questions may help you determine whether or not you might need professional guidance.

  • Is my ex-spouse still covered by my policy?
  • Can I afford to buy a different vehicle if my 2010 Nissan Rogue is totaled?
  • Do I have any recourse if my insurance company denies a claim?
  • When should I buy a commercial auto policy?
  • Is a new car covered when I drive it off the dealer lot?
  • Am I covered if I drive in a foreign country?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Do I need PIP coverage since I have good health insurance?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Are my friends covered when driving my car?

If you can’t answer these questions but a few of them apply, you might consider talking to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

Auto insurance coverage information

Learning about specific coverages of a insurance policy helps when choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and coverage can change by endorsement. These are the usual coverages found on the average insurance policy.

Comprehensive or Other Than Collision

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like damage from getting keyed, a broken windshield, hail damage and theft. The highest amount your insurance company will pay is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical costs insurance

Med pay and PIP coverage reimburse you for bills for things like funeral costs, hospital visits, chiropractic care, ambulance fees and prosthetic devices. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Auto liability insurance

This coverage can cover damage that occurs to people or other property in an accident. This insurance protects YOU from claims by other people. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 100/300/100 which means $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability coverage protects against things like loss of income, court costs, medical services, funeral expenses and pain and suffering. How much coverage you buy is a decision to put some thought into, but consider buying as much as you can afford.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Nissan Rogue.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Coverage for collisions

Collision insurance pays for damage to your Rogue caused by collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as colliding with another moving vehicle, sideswiping another vehicle, hitting a mailbox, sustaining damage from a pot hole and hitting a parking meter. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Save for a rainy day

Cheaper 2010 Nissan Rogue insurance is available both online in addition to many insurance agents, so compare prices from both to get a complete price analysis. Some companies do not provide online price quotes and many times these small insurance companies only sell through independent insurance agents.

You just read quite a bit of information on how to reduce insurance prices online. The key thing to remember is the more companies you get rates for, the better your chances of lowering your rates. Consumers could even find that the lowest premiums are with a small mutual company. Some small companies may cover specific market segments cheaper compared to the large companies like Allstate and Progressive.

Additional auto insurance information can be read at these links: