2014 Nissan Rogue Car Insurance Quotes

Are you burned out from scraping the payment together each month for insurance coverage? You have the same problem as most other consumers.

Popular companies such as Allstate, Liberty Mutual and State Farm continually hit you with ad campaigns and it is difficult to see past the corporate glitz and find the best price available.

It’s a good idea to get comparison quotes periodically since insurance rates are rarely the same from one policy term to another. Even if you got the best premium rates for Rogue insurance at your last renewal a different company probably has better prices today. Forget all the misinformation about insurance coverage because I’m going to let you in on the secrets to one of the quickest ways to reduce your cost while improving coverage.

If you have car insurance now, you stand a good chance to be able to reduce your rates substantially using these techniques. Finding the best rates is not rocket science. But vehicle owners can benefit from knowing how big insurance companies price online insurance and take advantage of how the system works.

Quote auto insurance online

When comparison shopping, there are several ways of comparing price quotes from many auto insurance companies in your state. By far the easiest way to find competitive 2014 Nissan Rogue insurance rates consists of obtaining rate quotes online. This is quite simple and can be completed in a couple minutes as outlined below.

  • Probably the best way to find low rates is an all-inclusive rate comparison click here to open form in new window. This method saves time by eliminating a different quote for each company. In just a few minutes this one form gets rate comparisons from all major companies.
  • A slightly less efficient method to find lower rates requires visiting the website for every company you want to comare and fill out their own quote form. For sake of this example, let’s say you want to compare Progressive, State Farm and Travelers. You would be required to navigate to each company’s site to input your insurance information, and that explains why we recommend the first method. For a list of links to companies insuring cars in your area, click here.

Whichever way you choose to compare rates, make sure you are using equivalent quote information for every company. If each company quotes mixed coverages you will not be able to make an equal comparison. Just slight variations in limits may result in a large different in cost. Just remember that more quotes provides better odds of finding more affordable rates.

Big brands don’t always mean big savings

Big name companies like Progressive, Allstate and Geico endlessly run ads on television and other media. All the companies convey the message that you’ll save big if you just switch your policy. It sounds good, but how can they all charge you less for auto insurance? Here is how they do it.

Different companies have a preferred profile for the type of insured that will not have excessive claims. For example, a profitable risk profile might be between 25 and 40, has few claims, and drives a vehicle with a low ISO rating. A customer who fits those characteristics will probably get the lowest prices as well as save when they switch companies.

Insureds who fall outside these standards may be forced to pay a higher premium and this can result in the customer buying from a different company. If you listen closely, the ads state “people who switch” but not “everyone who gets a quote” save the amount stated. That’s why insurance companies can confidently make claims that they all have the best prices.

Because of these techniques, it’s extremely important to do a quote comparison often. It’s impossible to know the company that will have the best premium rates for your profile.

What determines Nissan Rogue insurance costs?

Part of the insurance buying process is learning some of the elements that come into play when calculating your insurance rates. If you know what determines premiums, this helps enable you to make changes that could result in cheaper rates.

Shown below are some of the items insurance companies consider when setting your rates.

  • Don’t cancel your policy without a new one in place – Having an insurance coverage lapse is a guaranteed way to bump up your insurance costs. Not only will you pay more, the inability to provide proof of insurance could earn you a fine, jail time, or a revoked license. You could then be forced to submit proof of financial responsibility or a SR-22 with your state DMV.
  • Safer cars are cheaper to insure – Safe vehicles can get you lower premiums. Highly rated vehicles result in less severe injuries and lower rates of occupant injuries means lower claim amounts which can mean better rates for you.
  • File a insurance claims and pay more – Car insurance companies generally give the lowest premiums to people who do not file claims often. If you’re an insured who likes to file claims you can look forward to either policy cancellation or increased premiums. Your insurance policy is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
  • How old are your drivers? – Youthful drivers have been known to be inattentive in a vehicle so insurance rates are higher. If you’ve ever had to add a beginning driver to your insurance policy can be quite pricey. More experienced drivers tend to be more responsible, statistically cause fewer accidents and receive fewer citations.
  • Comp and collision deductibles are a factor – Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your Nissan. A few examples of covered claims could be running into the backend of another car, hitting a deer, or theft. Comp and collision deductibles represent how much money you are willing to pay out-of-pocket if a covered claim is submitted. The higher the amount you have to pay, the better rate you will receive for Rogue insurance.

Discounts for affordable auto insurance rates

Companies offering auto insurance don’t list all their discounts very well, so the following list contains a few of the more well known and also the lesser-known discounts you could be receiving when you buy car insurance online.

  • Auto/Life Discount – Not every insurance company offers life insurance, but if they do you may earn a discounted premium rate on car insurance if you buy auto and life insurance together.
  • Multi-car Discount – Insuring several vehicles on one policy may reduce the rate for each vehicle.
  • Senior Citizen Discount – Mature drivers may be able to get reduced rates for Rogue insurance.
  • Passive Restraints – Factory options such as air bags or motorized seat belts may get savings of up to 25% or more.
  • Professional Organizations – Affiliation with qualifying employment or professional organizations can get you a small discount on auto insurance.
  • Driver Education Discount – Cut your cost by having your teen driver complete a driver education course if offered at their school.

One last thing about discounts, most discounts do not apply to the overall cost of the policy. Some only reduce the cost of specific coverages such as liability and collision coverage. So even though they make it sound like you could get a free auto insurance policy, company stockholders wouldn’t be very happy. But all discounts will bring down your premiums.

If you would like to view insurers that offer multiple discounts, click here.

Tailor your auto insurance coverage to you

When buying the right insurance coverage for your vehicles, there is no cookie cutter policy. Everyone’s needs are different so your insurance should reflect that These are some specific questions could help you determine whether you might need professional guidance.

  • Am I missing any policy discounts?
  • Is my state a no-fault state?
  • Is my babysitter covered when using my vehicle?
  • Do I need replacement cost coverage on my 2014 Nissan Rogue?
  • Why do I need rental car insurance?
  • Is my teen driver covered when they drive my company car?
  • When can my company non-renew my policy?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with an agent. If you don’t have a local agent, fill out this quick form or click here for a list of auto insurance companies in your area.

Coverage specifics

Understanding the coverages of your auto insurance policy can be of help when determining the right coverages and proper limits and deductibles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Shown next are the normal coverages available from auto insurance companies.

Liability coverages – Liability coverage provides protection from damage or injury you incur to people or other property by causing an accident. It protects you from legal claims by others. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see values of 25/50/25 which stand for a $25,000 limit per person for injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Another option is one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for claims such as repair costs for stationary objects, pain and suffering and medical expenses. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for things like doctor visits, surgery, pain medications, funeral costs and nursing services. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. They cover you and your occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Uninsured Motorist or Underinsured Motorist insurance – This coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants and also any damage incurred to your 2014 Nissan Rogue.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Most of the time these limits are set the same as your liablity limits.

Comprehensive coverage (or Other than Collision) – This pays for damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as fire damage, a tree branch falling on your vehicle, damage from flooding, vandalism and hitting a deer. The maximum amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision coverage – Collision insurance will pay to fix damage to your Rogue resulting from a collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like crashing into a ditch, backing into a parked car, colliding with another moving vehicle, scraping a guard rail and rolling your car. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. You can also raise the deductible to get cheaper collision coverage.

Summing up your car insurance search

We just covered many ways to compare 2014 Nissan Rogue insurance premium rates online. The most important thing to understand is the more price quotes you have, the better chance you’ll have of finding the cheapest car insurance. You may even find the lowest premium rates come from the least-expected company. Smaller companies often have lower prices on specific markets as compared to the big name companies such as Geico and State Farm.

Discount 2014 Nissan Rogue insurance can be found both online as well as from independent agents, so you should be comparing quotes from both to get a complete price analysis. Some car insurance companies do not offer the ability to get quotes online and most of the time these small, regional companies only sell through independent agencies.

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