Buying affordable car insurance for a Nissan Rogue is fairly simple, but it depends on lots of different factors such as age of the driver, your geographic location, and violations on your driving record. Nevada drivers pay around $901 annually to insure their Rogue, but that cost is a valuation based on a 30-year-old single female driver with both comprehensive and collision coverage and $1,000 deductibles.
There is a good probability you aren't exactly 30 years old or even a female, you might be married instead of single, and maybe you want different deductibles. Have just a small change in the rating criteria used to formulate rates could result in a significant change in rates.
This example demonstrates why the only way to find the cheapest rates for your Nissan is to compare rates from as many companies as possible.
The trim level of your Rogue tends to impact the coverage cost, so the price you pay to insure a Rogue S 2WD model will be $56 less than the price to insure the higher-end Rogue SL AWD trim level, as shown in the chart below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Rogue S 2WD||$164||$310||$470||$28||$140||$1,112||$93|
|Rogue S AWD||$164||$310||$470||$28||$140||$1,112||$93|
|Rogue SL 2WD||$164||$310||$470||$28||$140||$1,112||$93|
|Rogue SL AWD||$164||$366||$470||$28||$140||$1,168||$97|
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Prices based on single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Nevada minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Prices do not factor in garaging location in Nevada which can alter insurance rates greatly.
Choosing the best company can be challenging considering how many companies sell insurance in Nevada. The rank data in the next section can help you select which car insurance companies to look at to insure your vehicles.
These rankings are for the largest companies in America, so companies that have a smaller presence are not included in the list. If you wish to compare prices from these and other competitive companies, just click here.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies
Get discounts on Nevada insurance rates
Insurance providers that offer cheap quotes for a Nissan Rogue may also give you discounts that may potentially lower prices by 30% or more if you can meet the requirements. A list of car insurance companies and their possible discounts are outlined below.
- State Farm discounts include multiple autos, safe vehicle, multiple policy, driver's education, anti-theft, good student, and good driver.
- American Family has savings for good driver, Steer into Savings, good student, mySafetyValet, bundled insurance, early bird, and air bags.
- AAA may have discounts that include good student, AAA membership discount, multi-car, pay-in-full, and good driver.
- GEICO includes discounts for seat belt use, defensive driver, air bags, good student, multi-vehicle, anti-lock brakes, and driver training.
- Mercury Insurance may include discounts for anti-theft, age of vehicle, multi-policy, good student, ease of repair, and professional/association.
- Farmers Insurance offers premium reductions for electronic funds transfer, multi-car, teen driver, youthful driver, mature driver, business and professional, and early shopping.
- Progressive may offer discounts for good student, homeowner, multi-vehicle, continuous coverage, and online signing.
The example below shows the difference between insurance rates with and without discounts. Data assumes a female driver, no claims or driving violations, Nevada state minimum liability limits, full physical damage coverage, and $100 deductibles.
The first bar for each age group shows insurance cost with no discounts. The second shows the rates with safe-driver, accident-free, passive restraint, marriage, defensive driving course, and multiple policy discounts applied. When discounts are factored in, theaverage amount saved on car insurance for a Nissan Rogue is 28% or $581.
The information below shows how choosing a deductible can change insurance premiums when quoting cheap insurance for a Nissan Rogue in Nevada. The rates are based on a single female driver, comp and collision included, and no policy discounts are applied.
A 50-year-old driver could pocket $294 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $444 by using a $1,000 deductible. Even younger drivers, like the Age 20 category, could shave up to $744 every year by using higher deductibles when buying full coverage. If you do raise deductibles, it will be necessary to have enough savings to allow you to pay the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.
Should you buy full coverage?
Paying a lower price for car insurance is the goal of the majority of drivers, and a good way to reduce the cost of insurance for a Nissan Rogue in Nevada is to buy only liability coverage. The example below shows the comparison of annual premium costs with full physical damage coverage compared to only buying liability only. The rate quotes are based on no claims or violations, $500 deductibles, single status, and no discounts are taken into consideration.
Averaged out for all age groups, full coverage on your policy costs an additional $1,834 per year more than buying just liability insurance. Many drivers may wonder if buying full coverage is worth the money. There isn't a written rule to stop buying comp and collision coverage, but there is a general convention. If the annual cost of coverage is about 10% or more of the vehicle's replacement cost less your deductible, then you might want to think about dropping full coverage.
For example, let's say your vehicle's claim settlement value is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most your company will settle for is $7,000 after you pay the deductible. If premiums are more than $700 a year for comprehensive and collision coverage, then it might be time to consider dropping full coverage.