2009 Nissan Rogue Car Insurance Rates – 6 Ideas for Cheapest Quotes

Searching for the cheapest auto insurance rates for your Nissan Rogue? Have you had enough of not being able to afford each month for car insurance? Your situation is no different than most other car owners.

Online insurance companies like Allstate, Progressive and Geico continually bombard you with ad campaigns and it can be hard to separate fact from fiction and effectively compare rates to find the best deal.

Smart consumers take time to do rate comparisons at least once a year due to the fact that insurance rates change frequently. Despite the fact that you may have had the best price for Rogue coverage on your last policy the chances are good that you can find a lower rate today. Block out anything you think you know about auto insurance because we’re going to demonstrate one of the quickest ways to find the best coverage while lowering your premiums.

Don’t miss these six discounts

Companies offering auto insurance don’t always list every discount in a way that’s easy to find, so we took the time to find both the well known as well as the least known ways to save on insurance.

  • Distant Student – Youth drivers who are attending college and don’t have a car may be able to be covered for less.
  • Multi-car Discount – Buying insurance for more than one vehicle with the same company may reduce the rate for each vehicle.
  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems can reduce accidents and therefore earn up to a 10% discount.
  • Drivers Ed for Students – Have your child complete a driver education course in high school.
  • E-sign – A handful of insurance companies will give a small break just for signing your application over the internet.
  • Passive Restraint Discount – Factory air bags or motorized seat belts can receive discounts of 20% or more.

Keep in mind that most credits do not apply to the entire cost. Most only cut the price of certain insurance coverages like liability, collision or medical payments. So when it seems like having all the discounts means you get insurance for free, insurance companies aren’t that generous.

Companies that may offer some of the above discounts may include but are not limited to:

Before buying, ask each insurance company how you can save money. Savings might not apply in your state.

Comparison of Car Insurance

Effectively comparing car insurance prices can be challenging if you don’t utilize the most efficient way to do it. You can waste a lot of time discussing policy coverages with insurance agencies in your area, or you can stay home and use online quotes for quick rates.

Most of the best insurance companies enroll in a system that allows shoppers to complete one form, and every company returns a competitive quote. This system prevents you from having to do form submissions for every car insurance company.

To compare pricing click to open in new window.

The one downside to using this type of form is you don’t know exactly the providers you will receive quotes from. So if you want to select individual companies to compare prices, we have a page of the cheapest car insurance companies in your area. Click to view list.

However you get your quotes, make sure you use exactly the same coverage information with each company. If each company quotes different limits and deductibles on each one it’s impossible to determine the best price for your Nissan Rogue. Slightly different limits may result in large price differences. Keep in mind that having more price comparisons helps you find the best rates.

When might I need help?

When choosing adequate coverage, there isn’t really a one size fits all plan. Each situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that may help you determine whether your personal situation might need an agent’s assistance.

  • Is business property covered if stolen from my car?
  • How much underlying liability do I need for an umbrella policy?
  • Do I need motorclub coverage?
  • Is my dog or cat covered if injured in an accident?
  • Do I have coverage when using my vehicle for my home business?
  • Can my babysitter drive my car?

If you can’t answer these questions, you may need to chat with an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of insurance coverage companies in your area.

What insurance coverages do you need?

Learning about specific coverages of a insurance policy can help you determine the best coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. Below you’ll find the usual coverages offered by insurance companies.

Collision insurance

This coverage covers damage to your Rogue resulting from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like backing into a parked car, colliding with a tree and sideswiping another vehicle. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Comprehensive coverages

Comprehensive insurance covers damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as damage from a tornado or hurricane, a tree branch falling on your vehicle, damage from getting keyed, rock chips in glass and a broken windshield. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses like surgery, rehabilitation expenses, chiropractic care, nursing services and funeral costs. The coverages can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. They cover you and your occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Uninsured and underinsured coverage

This coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Liability

Liability coverage can cover injuries or damage you cause to other people or property by causing an accident. 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 100/300/100 which means a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability insurance covers claims such as emergency aid, court costs, medical services and bail bonds. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Keep this in mind

As you restructure your insurance plan, you should never skimp on critical coverages to save a buck or two. In many cases, someone sacrificed collision coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. Your aim should be to find the BEST coverage at a price you can afford while not skimping on critical coverages.

You just read quite a bit of information on how to compare 2009 Nissan Rogue insurance prices online. The key thing to remember is the more providers you compare, the more likely it is that you will get a better rate. Consumers may even find the biggest savings come from a small local company. These smaller insurers may cover specific market segments cheaper than the large multi-state companies such as State Farm, Geico and Nationwide.

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