Lower Your 2009 Nissan Rogue Insurance Cost

Being forced to pay for pricey car insurance premiums can dwindle your budget and make it tough to pay other bills. Online insurance companies like State Farm, Allstate, Geico and Progressive promote their brand names with catchy ads and consumers find it hard to see past the geckos and flying pigs and effectively compare rates to find the best deal.

Compare free car insurance quotes

All the larger car insurance companies like State Farm and Allstate allow consumers to get prices for coverage online. Getting quotes is very simple as you just enter the amount of coverage you want into the form. Once entered, their system sends out for your driving and credit reports and generates pricing information based on the data you entered. Online price quotes helps simplify price comparisons, but the time required to go to a lot of sites and type in your information is not the best way to spend an afternoon. But it is imperative to compare as many rates as possible if you are searching for the lowest car insurance rates.

There is a better way!

A quicker way to find lower prices uses one simple form to obtain quotes from several different companies. This type of form saves time, helps eliminate reptitive entry, and makes online price comparison much simpler. Immediately after you send the form, it is rated and you can choose any or none of the resulting price quotes. If the quotes result in lower rates, you simply finish the application and buy the new coverage. This process only takes a few minutes and you will know how your current rates stack up.

To find out what other companies charge, simply click here to open in new window and fill out the form. To compare your current rates, we recommend you input identical to your current policy. This way, you will get a price comparison based on the exact same insurance coverage.

Truth in insurance coverage advertising

Consumers get pounded daily by advertisements that promise big savings for switching by companies like State Farm and Allstate. All the companies advertise claims that people will save after switching to them.

How does every company charge you a lower premium? You have to listen carefully.

Most companies quote their best rates for the type of driver that will be a good risk. For instance, this type of driver could be between the ages of 40 and 55, has a clean driving record, and has great credit. Any person that fits those parameters may get the lowest rates and therefore will cut their rates substantially.

Drivers who cannot meet the “perfect” profile may be required to pay higher premium rates which usually ends up with the driver buying from a lower-cost company. If you pay close attention to the ads, they say “drivers that switch” but not “all drivers who get quotes” save that much money. That’s why insurance companies can confidently state the savings. Because of these techniques, you should get as many free insurance coverage quotes as possible. You cannot predict with any certainty which company will have the lowest prices for your situation.

You may qualify for discounts

Companies that sell car insurance do not advertise the complete list of policy discounts in a way that’s easy to find, so the list below gives a summary of a few of the more common and the more hidden insurance coverage savings.

  • Drive Safe and Save – Insureds who avoid accidents can save as much as half off their rates for Rogue insurance than their less cautious counterparts.
  • College Student Discount – Children who attend college more than 100 miles from home and do not take a car to college may be insured at a cheaper rate.
  • Discounts for New Vehicles – Buying a new car model can save up to 30% because newer vehicles keep occupants safer.
  • No Claim Discounts – Claim-free drivers can save substantially as opposed to frequent claim filers.
  • Passive Restraints and Air Bags – Options like air bags may qualify for discounts of 25 to 30%.

Please keep in mind that most discount credits are not given the the whole policy. A few only apply to the price of certain insurance coverages like liability and collision coverage. If you do the math and it seems like you would end up receiving a 100% discount, it just doesn’t work that way.

Companies and their offered discounts are:

  • Geico offers premium reductions for five-year accident-free, membership and employees, anti-lock brakes, anti-theft, military active duty, and federal employee.
  • MetLife offers discounts for claim-free, good student, accident-free, defensive driver, multi-policy, good driver
  • Progressive has discounts for homeowner, good student, multi-policy, online signing, continuous coverage, and online quote discount.
  • Travelers may include discounts for save driver, IntelliDrive, student away at school, payment discounts, and hybrid/electric vehicle.
  • SAFECO offers discounts including anti-lock brakes, drive less, teen safety rewards, accident prevention training, multi-car, homeowner, and safe driver.
  • AAA discounts include AAA membership discount, pay-in-full, multi-car, good driver, multi-policy, education and occupation, and anti-theft.

If you need lower rates, check with every prospective company how many discounts you can get. Discounts may not apply in your area. To choose companies with discount insurance coverage rates, follow this link.

There’s no such thing as the perfect insurance policy

When it comes to buying adequate coverage for your personal vehicles, there is no best way to insure your cars. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For example, these questions can aid in determining whether you would benefit from an agent’s advice.

  • Can I afford low physical damage deductibles?
  • Is a blown tire covered by insurance?
  • Will my rates increase for filing one claim?
  • What is covered by UM/UIM coverage?
  • Who is covered by my policy?
  • Should I buy full coverage?
  • What are the best liability limits?

If you’re not sure about those questions but you know they apply to you, you might consider talking to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and may give you better protection.

Auto insurance 101

Knowing the specifics of your policy aids in choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and coverage can change by endorsement. Shown next are typical coverage types offered by insurance companies.

Comprehensive protection

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as rock chips in glass, theft and a tree branch falling on your vehicle. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical expense coverage

Coverage for medical payments and/or PIP pay for short-term medical expenses like nursing services, EMT expenses, rehabilitation expenses and doctor visits. They are often used to fill the gap from your health insurance plan or if you lack health insurance entirely. Coverage applies to all vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and may carry a deductible

Uninsured or underinsured coverage

This coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your Nissan Rogue.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Coverage for liability

This protects you from damages or injuries you inflict on people or other property that is your fault. This coverage protects you from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 50/100/50 which means $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for things such as medical services, bail bonds and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Collision coverage protection

Collision insurance pays for damage to your Rogue resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims such as rolling your car, colliding with another moving vehicle, sideswiping another vehicle, scraping a guard rail and driving through your garage door. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also raise the deductible to save money on collision insurance.

Smart consumers save more

When you buy insurance coverage online, it’s not a good idea to skimp on critical coverages to save a buck or two. There are many occasions where an insured cut liability coverage limits and learned later that saving that couple of dollars actually costed them tens of thousands. Your focus should be to find the BEST coverage at the lowest possible cost, but do not skimp to save money.

Some insurance providers may not have online rate quotes and many times these regional insurance providers provide coverage only through local independent agencies. Lower-priced 2009 Nissan Rogue insurance can be found online as well as from independent agents, and you should compare price quotes from both so you have a total pricing picture.

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