Cheap 2015 Nissan Rogue Insurance Cost

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.

Lesser-known factors impacting Nissan Rogue insurance rates

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.

  • Never let your coverage lapse – Not having insurance can get your license suspended and your next policy will cost more because you let your coverage have a gap. And not only will insurance be more expensive, but being ticketed for driving with no insurance may earn you a steep fine or even jail time.You may then be required to prove you have insurance by filing a SR-22 with your state DMV.
  • What are your deductibles? – Your deductibles represent how much money you are willing to pay if you file a covered claim. Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, protects your car from damage. Some examples of claims that would be covered would be colliding with a building, collision with an animal, or theft. The more expense the insured has to pay upfront, the less your company will charge you for insurance on Rogue coverage.
  • Higher safety ratings means cheaper insurance – Vehicles with good safety scores tend to have better insurance rates. The safest vehicles have better occupant injury protection and any reduction in injury severity translates into savings for insurance companies and lower rates for you. If your Nissan Rogue has ratings of a minimum four stars on Safercar.gov you are probably receiving a discount.
  • Consolidate policies to earn discounts – Some insurance companies will award you with lower prices to policyholders who consolidate policies with them, otherwise known as a multi-policy discount. If you currently are using one company, it’s still a good idea to compare other company rates to make sure you are getting the best deal.
  • Policy add-ons can waste money – There are many extra coverages that can waste your money when buying car insurance. Things like rental car reimbursement, accident forgiveness and motor club memberships are some examples. They may seem good initially, but if you don’t need them remove them from your policy.
  • Pleasure use or commuting – The higher the mileage driven every year the higher your rates will be. Almost all companies price each vehicle’s coverage based upon how you use the vehicle. Autos used primarily for pleasure use qualify for better rates compared to those used for work or business. If your policy improperly rates your Rogue may be wasting your money. Double check that your car insurance declarations sheet properly reflects the correct usage for each vehicle.
  • Your car’s features help determine rates – Owning a car with anti-theft technology or alarm system can get you a discount on your car insurance. Anti-theft features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent car theft.
  • Too many car insurance claims drive up costs – Car insurance companies provide lower rates to people who do not file claims often. If you are a frequent claim filer, you can pretty much guarantee higher rates. Auto insurance is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.

Compare the Market for Insurance

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.

Discounts can save BIG

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.

  • Club Memberships – Participating in certain professional organizations may earn a discount on auto insurance on Rogue coverage.
  • Multi-policy Discount – If you have multiple policies with the same insurance company you may earn up to 20% off your total premium.
  • Accident Forgiveness – Some insurance companies will allow you to have one accident before your rates go up if you are claim-free prior to the accident.
  • Discount for Good Grades – Getting good grades can save 20 to 25%. This discount can apply up until you turn 25.
  • Service Members Pay Less – Having a family member in the military may qualify for rate reductions.
  • Auto/Life Discount – Larger companies have better rates if you take out auto and life insurance together.
  • Early Switch Discount – Some companies give discounts for switching policies before your current expiration date. It’s a savings of about 10%.
  • No Accidents – Good drivers with no accidents can save substantially as compared to frequent claim filers.
  • New Vehicle Savings – Buying coverage on a new vehicle is cheaper due to better safety requirements for new cars.

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.

Will just any policy work for me?

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.

  • Should I rate my 2015 Nissan Rogue as pleasure use or commute?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • What is an SR-22 filing?
  • How much underlying liability do I need for an umbrella policy?
  • When would I need additional glass coverage?
  • Am I covered when driving on a suspended license?
  • Does insurance cover tools stolen from my truck?
  • Can I afford low physical damage deductibles?
  • Am I covered if I hit a deer?
  • Where can I find DUI or SR-22 insurance?

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.

Specific coverages for a 2015 Nissan Rogue

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.

Saving money makes a lot of cents

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: