Authoritative Five Minute Guide to Buying Nissan Rogue Insurance

Drivers have options when trying to find low-cost Nissan Rogue insurance. They can either waste time struggling with agents getting price quotes or leverage the internet to compare rates.

There is a right way and a wrong way to shop for auto insurance and you need to know the best way to quote coverages on a Nissan and get the best price possible.

Cheap Auto Insurance Comparisons

Finding a better price on auto insurance is actually quite simple. Drivers just need to take a couple of minutes comparing rate quotes provided by online insurance companies. This can be accomplished in a couple of different ways.

  1. The easiest and least time consuming way to get quotes for comparison is a comparison rater form click to view form in new window. This type of form prevents you from having to do multiple quote forms to each individual auto insurance company. Taking the time to complete one form gets you price quotes from many national carriers. This is by far the quickest method.
  2. A different way to analyze rates requires visiting the website of each company and fill out their own quote form. For examples sake, we’ll assume you want comparison quotes from State Farm, Progressive and Travelers. To find out each rate you need to visit each site and enter your policy data, which is why most consumers use the first method. For a handy list of car insurance company links in your area, click here.
  3. The most time-consuming method of comparing rate quotes is driving to and from local insurance agencies. The ability to buy insurance online eliminates the need for an insurance agent unless you prefer the personal advice of a local agent. It is possible to get the lowest quotes online and still use a local agent.

It’s up to you how you get prices quotes, just ensure you are comparing exactly the same coverage limits for each comparison quote. If you enter mixed coverages it will be impossible to determine which rate is truly the best.

Advertising myths

Drivers get pounded daily by advertisements for the lowest price auto insurance by State Farm and Allstate. They all seem to make the same claim about savings after switching to their company.

How can each company say the same thing? This is how they do it.

All companies can use profiling for the type of customer that makes them money. For example, a driver they prefer might be profiled as a mature driver, has no driving citations, and has a short commute. A propective insured who fits that profile will get the preferred rates and therefore will pay quite a bit less when switching companies.

Drivers who do not match these standards will have to pay more money and ends up with the driver buying from a lower-cost company. The ads state “drivers who switch” not “everybody who quotes” save that much. That’s the way companies can truthfully state the savings.

Because of the profiling, it is so important to compare as many rates as you can. It’s not possible to predict which insurance companies will provide you with the cheapest  insurance quote

You probably qualify for some discounts

Insuring your vehicles can cost a lot, but you can get discounts to reduce the price significantly. A few discounts will automatically apply at the time of quoting, but some must be requested specifically in order for you to get them. If they aren’t giving you every credit available, you’re paying more than you need to.

  • College Student – Any of your kids who attend school more than 100 miles from home and do not have access to a covered vehicle may qualify for this discount.
  • Multiple Vehicles – Buying insurance for multiple vehicles on the same auto insurance policy qualifies for this discount.
  • Service Members Pay Less – Being on active duty in the military can result in better rates.
  • Homeowners Discount – Owning a house may trigger a auto insurance policy discount because maintaining a house shows financial diligence.
  • Save over 55 – If you qualify as a senior citizen, you may receive a discount up to 10% for Rogue insurance.

Consumers should know that some of the credits will not apply to the entire policy premium. Most cut individual premiums such as comprehensive or collision. Even though it may seem like you can get free auto insurance, you’re out of luck. Any amount of discount will cut the amount you have to pay.

For a list of providers with the best auto insurance discounts, click here to view.

But I prefer to buy car insurance from an agent

A small number of people just want to visit with an insurance agent and that is a personal choice. Insurance agents are trained to spot inefficiencies and give you someone to call. The best thing about comparing insurance prices online is that you can obtain the lowest rates but still work with a licensed agent. Buying from local agencies is important particularly in smaller communities.

For easy comparison, once you complete this short form, the quote information is submitted to agents in your area who will battle to get your business. You won’t need to drive around due to the fact that quote results will go to your email. Now that’s easy!

If you wish to view a list of agents in your state to contact, click here.

Selecting an provider requires more thought than just the price. These are valid questions to ask:

  • What will you get paid if your car is a total loss? How is that amount determined?
  • Will your rates increase after a single accident?
  • Are you getting all the discounts the company offers?
  • Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
  • What is the agency’s Better Business Bureau rating?
  • Is the agent and/or agency licensed to do business in your state?
  • What insurance companies do they work with?
  • Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.

Once you have positive responses for all questions you ask and a low price estimate, you may have just found a company that meets your needs to adequately provide auto insurance.

Your coverage should be tailored to you

When it comes to choosing coverage, there isn’t really a one size fits all plan. Everyone’s situation is a little different.

Rogue insurance rates

For instance, these questions could help you determine if your situation may require specific advice.

  • Are all vehicle passengers covered by medical payments coverage?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Do all my vehicles need collision coverage?
  • How can I get high-risk coverage after a DUI?
  • Do no-fault laws apply in my state?
  • Why does it cost so much to insure a teen driver?
  • What is the minimum liability in my state?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to an agent. To find lower rates from a local agent, take a second and complete this form. It is quick, free and can provide invaluable advice.

Smart shoppers get results

Consumers change insurance companies for many reasons like policy non-renewal, high prices, poor customer service and not issuing a premium refund. It doesn’t matter why you want to switch switching companies can be easy and end up saving you some money.

When shopping online for auto insurance, make sure you don’t reduce coverage to reduce premium. Too many times, consumers will sacrifice collision coverage to discover at claim time that the small savings ended up costing them much more. Your aim should be to find the BEST coverage at an affordable rate, not the least amount of coverage.

Throughout this article, we presented many ideas to save on Nissan Rogue insurance. The most important thing to understand is the more companies you get rates for, the higher the chance of saving money. You may be surprised to find that the lowest rates come from a company that doesn’t do a lot of advertising.