Have you had enough of not being able to afford to pay your car insurance bill each month? You’re in the same situation as millions of other consumers.
Since consumers have many options when it comes to insurance coverage, it can be challenging to locate the lowest price car insurance company.
It’s important that you understand the rating factors that play a part in calculating the rates you pay for car insurance. When you know what positively or negatively controls the rates you pay allows you to make educated decisions that can help you get big savings.
Shown below are a partial list of the pieces companies use to determine your rates.
There are several ways to compare rate quotes from different insurance companies. The best method to compare 2015 Nissan Rogue insurance prices is to perform an online rate comparison. This is very easy and can be done in just a few minutes using one of these methods.
The fastest way to get quotes is to use a rate comparison form (click to open form in new window). This form saves time by eliminating multiple quote forms to each individual insurance company. Just one form gets you coverage quotes from all major companies.
A more time consuming way to find lower rates requires you to visit each individual company website to complete a price quote. For examples sake, we’ll pretend you want to compare rates from Progressive, Safeco and GEICO. To find out each rate you need to visit each site to enter your coverage information, which is why most consumers use the first method.
For a handy list of car insurance company links in your area, click here.
It doesn’t matter which method you choose, just ensure you are comparing apples-to-apples coverage limits on every quote you get. If the quotes have higher or lower deductibles you can’t possibly determine the lowest rate for your Nissan Rogue. Having just a slight variation in insurance coverages can mean a large discrepancy in price. And when comparing insurance rates, know that having more price comparisons provides better odds of finding better pricing.
Companies that sell car insurance do not advertise all their discounts very well, so we took the time to find some of the best known as well as the least known discounts you could be receiving.
Consumers should know that some credits don’t apply the the whole policy. Most only apply to the price of certain insurance coverages like comp or med pay. So when the math indicates you could get a free auto insurance policy, it doesn’t quite work that way.
Car insurance companies who might offer these money-saving discounts may include but are not limited to:
Check with all companies you are considering what discounts are available to you. Savings may not be available in every state.
When buying the best insurance coverage coverage for your vehicles, there is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. These are some specific questions could help you determine whether you could use an agent’s help.
If you can’t answer these questions but you know they apply to you, you may need to chat with an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies.
Having a good grasp of auto insurance can help you determine the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. These are typical coverage types found on most auto insurance policies.
Uninsured/Underinsured Motorist (UM/UIM) – This protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Nissan Rogue.
Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.
Comprehensive insurance – This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive can pay for things like hitting a bird, hitting a deer, fire damage, damage from a tornado or hurricane and a tree branch falling on your vehicle. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP pay for expenses such as rehabilitation expenses, chiropractic care and nursing services. They are often utilized in addition to your health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay
Coverage for liability – This coverage provides protection from damage that occurs to other people or property by causing an accident. This coverage protects you from legal claims by others. It does not cover damage to your own property or vehicle.
Split limit liability has three limits of coverage: 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 limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.
Liability can pay for things like pain and suffering, funeral expenses and loss of income. How much liability should you purchase? That is a decision to put some thought into, but consider buying as much as you can afford.
Collision – This coverage will pay to fix damage to your Rogue resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.
Collision coverage protects against claims like rolling your car, hitting a parking meter, sustaining damage from a pot hole and hitting a mailbox. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Drivers also have the option to increase the deductible to bring the cost down.
As you go through the steps to switch your coverage, never sacrifice coverage to reduce premiums. There are a lot of situations where drivers have reduced liability coverage limits to discover at claim time that the savings was not a smart move. Your goal should be to buy the best coverage you can find at a price you can afford.
Lower-priced 2015 Nissan Rogue insurance is possible from both online companies and with local insurance agents, and you should be comparing both so you have a total pricing picture. Some insurance companies do not offer online price quotes and usually these regional insurance providers provide coverage only through local independent agents.
Much more information about insurance can be found on the following sites: