View 2011 Nissan Rogue Insurance Rates

Searching for better insurance prices for a new or used Nissan Rogue could be difficult, but you can use the following methods to save time.

There is a better way to buy auto insurance so we’re going to tell you the absolute fastest way to get price quotes on a Nissan and locate the best price possible from local insurance agents and online providers.

Informed drivers can cut their insurance prices

Many things are part of the calculation when you get a price on insurance. A few of the factors are predictable such as your driving record, although others are not as apparent such as whether you are married and annual miles driven.

The itemized list below are a few of the things used by companies to determine your rates.

  • Excellent credit saves on auto insurance – Having a good credit history is a big factor in determining your rates. If your credit score can use some improvement, you may save money insuring your 2011 Nissan Rogue by taking the time to improve your credit score. People that have excellent credit tend to be less risk to insure than drivers who have poor credit.
  • How’s your driving record? – Your driving citation history impacts your car insurance rates tremendously. Having a single citation can bump up the cost to the point where it’s not affordable. Good drivers get better rates than bad drivers. Drivers who have received careless tickets such as hit and run, DWI or reckless driving convictions are required to submit a SR-22 form with their state in order to legally drive.
  • More than one policy can earn a discount – Most larger companies will award a discount to customers who carry more than one policy in the form of a multi-policy discount. Even if you’re getting this discount you may still want to check prices from other companies to help guarantee you have the best rates.
  • Drive a safer car and pay less – Vehicles with high crash test scores tend to have better insurance rates. Safe vehicles protect occupants better and reduced instances of injuries translates directly to fewer claims passed on to you as lower rates.

Compare auto insurance rates

Getting a cheap price on 2011 Nissan Rogue insurance is actually quite simple. The only thing you need to do is take the time to compare rate quotes provided by online insurance companies. Insurance prices can be quoted by using one of the methods below.

The easiest and least time consuming way to get quotes for comparison would be an industry-wide quote request form like this one (opens in new window). This method saves time by eliminating separate quotation requests for each company you want a rate for. Taking the time to complete one form gets rate comparisons instantly. This is by far the quickest method.

A more difficult way to find more affordable insurance requires visiting the website for each individual company to complete a price quote. For examples sake, we’ll pretend you want to view quotes from Allstate, Geico and GMAC. To find out each rate you need to spend time going to each site individually and repeatedly type in your coverage information, which can take a lot of time. For a list of links to companies insuring cars in your area, click here.

It’s your choice how you get your quotes, but be certain you are entering nearly identical coverages and limits for each quote you get. If you compare different limits and deductibles on each one it’s not possible to truly determine the lowest rate.

Insurance coverage companies are expert advertisers

Consumers can’t get away from ads that claim the best premium rates from the likes of Allstate and Progressive. All the companies have a common claim that you can save just by switching your policy.

How does every insurance coverage company sell you cheaper insurance coverage?

All the different companies have strict underwriting profiles for the type of customer that makes them money. For instance, a desirable insured could possibly be a female over age 40, has never had a policy lapse, and chooses high deductibles. Any customer that hits that “sweet spot” gets the lowest premium rates and is almost guaranteed to save money with a new company.

Consumers who fall short of these stringent criteria may receive a more expensive rate which leads to the customer buying from a different company. Company advertisements say “customers who switch” not “all people who quote” save that much when switching. This is how companies can truthfully make it sound like they have such great prices.

That is why you need to get a wide range of price quotes. You cannot predict which company will provide you with the cheapest premium rates.

Use discounts to get cheaper insurance coverage rates

Insurance coverage is easily one of your largest bills, but there could be available discounts that you may not know about. A few discounts will be applied at the time of purchase, but some may not be applied and must be asked for before you will receive the discount.

  • Braking Control Discount – Cars, trucks, and SUVs with ABS and/or traction control can reduce accidents and therefore earn up to a 10% discount.
  • Discount for New Cars – Insuring a vehicle that is new is cheaper since new vehicles have better safety ratings.
  • Theft Deterent System – Cars equipped with anti-theft or alarm systems have a lower chance of being stolen and will save you 10% or more.
  • Active Military Service – Having a deployed family member could be rewarded with lower insurance coverage rates.
  • Homeowners Discount – Owning your own home or condo can save a few bucks since owning and maintaining a home is proof that your finances are in order.

Don’t be shocked that some of the credits will not apply to the entire cost. Most only cut specific coverage prices like medical payments or collision. Even though it appears you can get free auto insurance, that’s just not realistic.

A partial list of companies that possibly offer many of the previously listed discounts include:

When comparing rates, check with every prospective company to give you their best rates. Discounts may not apply to policies everywhere. If you would like to choose from a list of insurers with significant discounts, click here to view.

Tailor your auto insurance coverage to you

When choosing the best auto insurance coverage, there really is no one size fits all plan. Everyone’s needs are different.

Here are some questions about coverages that can help discover if you may require specific advice.

  • Is my cargo covered for damage or theft?
  • Does coverage extend to Mexico or Canada?
  • Will my rates increase for filing one claim?
  • Do I need rental car coverage?
  • Do all my vehicles need collision coverage?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Do I need special endorsements for business use of my vehicle?
  • Is my custom paint covered by insurance?
  • Do I have coverage when pulling a U-Haul trailer?
  • Does my insurance cover my expensive audio equipment?

If you’re not sure about those questions but you know they apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, complete this form. It is quick, free and can help protect your family.

Coverages available on your policy

Learning about specific coverages of insurance helps when choosing which coverages you need and the correct deductibles and limits. Insurance terms can be ambiguous and coverage can change by endorsement.

Coverage for collisions

Collision insurance pays for damage to your Rogue from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like damaging your car on a curb, sideswiping another vehicle, sustaining damage from a pot hole and hitting a mailbox. This coverage can be expensive, so consider dropping it from lower value vehicles. You can also bump up the deductible to save money on collision insurance.

Comprehensive or Other Than Collision

This covers damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as a broken windshield, hitting a deer, hail damage, theft and damage from a tornado or hurricane. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

UM/UIM Coverage

Your UM/UIM coverage provides protection from other drivers when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Nissan Rogue.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Usually these limits do not exceed the liability coverage limits.

Medical costs insurance

Coverage for medical payments and/or PIP pay for immediate expenses for things like prosthetic devices, pain medications, ambulance fees, dental work and hospital visits. They can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. It covers both the driver and occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability auto insurance

Liability insurance can cover injuries or damage you cause to a person or their property in an accident. This insurance protects YOU against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability coverage pays for things like structural damage, legal defense fees and loss of income. The amount of liability coverage you purchase is a personal decision, but consider buying as large an amount as possible.

A little work can save a LOT of money

A few companies do not offer the ability to get a quote online and usually these smaller companies provide coverage only through independent agencies. Budget-conscious 2011 Nissan Rogue insurance can be sourced on the web as well as from independent agents, and you should be comparing both so you have a total pricing picture.

As you restructure your insurance plan, do not buy poor coverage just to save money. There have been many cases where an insured cut collision coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. Your goal should be to buy the best coverage you can find at the best possible price and still be able to protect your assets.

Insureds switch companies for a variety of reasons including delays in paying claims, lack of trust in their agent, delays in responding to claim requests or high prices. Regardless of your reason, switching companies is not as hard as you think.

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