Buying the best cheap coverage for a Nissan Rogue is pretty simple for most people to do, but it hinges on many rating criteria such as age of the driver, your address, and your driving record. Indiana drivers will pay on average $867 a year for Rogue insurance, but that price is an estimate based on a 40-year-old married male driver with full physical damage coverage and $100 deductibles.
When projecting a rate like this, the problem is that you are not 40 and maybe not even a male, possibly single instead of married, or maybe you want different physical damage deductibles. Having the smallest difference in rating factors or requested coverage amount could end up in a significant change in the cost of insurance.
Insurance is an individual thing, so the best method for finding cheap insurance rates for your Nissan is to just compare rates yourself. To cut your rates now, get a free quote and you will receive rate quotes from some of the most affordable companies around.
The trim level of your Nissan has an effect on the coverage cost, so the price you will pay to insure a Rogue S 2WD trim level will be $70 lower than the cost to insure the higher-priced Rogue SL AWD model, as shown below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Rogue S 2WD||$220||$402||$326||$20||$98||$1,066||$89|
|Rogue S AWD||$220||$402||$326||$20||$98||$1,066||$89|
|Rogue SL 2WD||$220||$402||$326||$20||$98||$1,066||$89|
|Rogue SL AWD||$220||$472||$326||$20||$98||$1,136||$95|
|Get Your Own Custom Quote Go|
Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Indiana minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Rate information does not factor in Fort Wayne location which can affect insurance rates significantly.
Indiana insurance companies ranked
Finding the top car insurance company can be rather challenging considering how many choices you have in Fort Wayne. The ranking data shown next could help you decide which car insurance companies to look at when buying insurance for a Nissan Rogue. These ratings include companies that insure vehicles across America, so companies that may only write in Indiana are not taken into consideration for this list.
Top 10 Major Auto Insurance Companies in Fort Wayne Ranked by Claims Service
- Liberty Mutual
- AAA Insurance
- Safeco Insurance
- The General
Top 10 Major Auto Insurance Companies Overall in Fort Wayne
- 21st Century
- AAA Insurance
- Liberty Mutual
- Safeco Insurance
- State Farm
- American Family
Full coverage rates vs. liability-only in Fort Wayne
Finding cheaper insurance is the goal of most drivers, and an easy way to reduce the cost of insurance for a Nissan Rogue is to not insure for full coverage. The example below illustrates the comparison of premium costs with and without full coverage. The prices are based on a clean driving record, no claims, $250 deductibles, single marital status, and no discounts are applied.
As an average for all age groups, comp and collision coverage costs $1,854 per year more than carrying just liability coverage. At some point, every insured wonders when is the right time to remove full coverage. There is no exact rule that is best for determining when to drop physical damage coverage on your policy, but there is a guideline you can use. If the annual cost of coverage is 10% or more of the vehicle’s replacement cost less your deductible, then it’s probably a good time to buy liability coverage only.
There are some scenarios where dropping physical damage coverage is not advised. If you have an outstanding loan on your vehicle, you have to carry full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should keep full coverage in place.
Poor driving habits will raise your insurance rates
In a perfect world, the ideal way to obtain cheap insurance rates for a Rogue is to be a good driver and avoid getting tickets or having accidents. The diagram below illustrates how violations and at-fault claims raise car insurance costs for different age groups. The premiums assume a single female driver, comp and collision included, $100 deductibles, and no discounts are factored in.
The chart shows that the average cost of auto insurance in Indiana per year with no violations or accidents is $1,913. Get written up for two speeding tickets and the average cost hikes up to $2,569, an increase of $656 each year. Now add two accidents along with the two speeding tickets and the yearly cost of insurance for a Nissan Rogue increases to an average of $4,972. That’s an increase of $3,058, or $255 per month, just for being a little careless behind the wheel!
Tips for finding cheaper car insurance for a Nissan Rogue
Lowering your rates is not difficult, and here are some of the better penny-pinching ideas that can help you get cheap auto insurance.
- Get cheaper liability coverage by choosing a safer vehicle
- Avoid getting tickets or violations
- Higher physical damage deductibles lower rates
- Do not get into accidents that are your fault
- Pay cheaper rates with good credit scores
- Save money by insuring older vehicles for liability only
- Compare prices frequently to find the best deal
The last suggestion is extraordinarily critical, as was affirmed in the prior article. Insurance prices can change significantly in a year, so don’t be tentative to buy from a different company if a more affordable rate is found.
Many drivers prefer to stick with one company, but it’s not recommended if that loyalty results in overpaying money that could be used for better things. In just a couple of minutes you could compare rates and find cheaper insurance for a Nissan Rogue in Fort Wayne.