If you bought a new or pre-owned Nissan Rogue, you may be wondering about the best insurance option for your crossover SUV. Navigating the insurance purchasing process can be difficult, but by learning about average costs and factors that affect the cost of insuring a Nissan Rogue, you can choose the insurance policy that fits your lifestyle. Keep reading to find out about buying insurance for your Nissan Rogue.
How Much Does Nissan Rogue Car Insurance Cost?
According to Insuraviz, the average insurance cost for a Nissan Rogue is $1,482, or $142 per month for full coverage. Drivers who choose only liability coverage might pay only $984 per year, saving $498. This cost is comparable to other vehicles in the small and compact SUV category and is slightly less than the average for all vehicles.
Factors Affecting Nissan Rogue Car Insurance Costs
Here are some factors that might affect the price you pay to insure your Nissan Rogue:
- The type of coverage: Most insurance companies offer several coverage tiers. With lower coverage, you pay less each month, but may have higher bills if you get into an accident. More comprehensive plans cost more per month, but keep you from paying a large sum after a collision.
- Policy add-ons: You can often add packages to your insurance plan that provide additional security for specific threats, like weather damage or theft. Adding packages can increase your monthly payment, but may be a good option if you live in a high-risk area.
- Rogue year model: Usually, newer cars cost more to insure than older ones, because newer cars have a higher value and are at a greater risk for theft. However, other factors can increase the price on a certain year model, like scarcity or known engine problems.
- Age and gender of driver: Many insurance companies offer different insurance rates based on driver demographics. For example, teens usually have higher insurance rates than adults in middle age, because inexperienced drivers are at a greater risk for an accident. As you grow older, your insurance rates might change.
- State of residence: Each state has its own minimum liability requirements, which determine how much insurance a driver in that state must have to operate a vehicle. Companies design their insurance policies to meet those requirements, resulting in different prices across state lines.
- Driving record: If you have had a DUI or a history of speeding tickets, you might pay more for insurance. Drivers with infractions on their records are considered higher risk, so they often pay more for insurance, especially if they’ve had their license revoked.
- Location: Drivers in certain areas, like high-density urban regions, may pay more for insurance because cities and suburbs often have higher accident rates than rural communities. Your rate may also depend on the average cost of living in your region.
How To Choose Nissan Rogue Car Insurance
Here are a few steps you can use to choose an insurance policy for your Nissan Rogue:
1. Decide On a Level of Coverage
There are three main types of auto insurance that people can get for their personal vehicle. Most insurance policies are a combination of one or more of these insurance types:
- Liability coverage: This coverage pays for the medical or property bills of another person if you’re at fault for an accident. Every state has a minimum required liability that motorists have to meet, but you can opt into a program with more coverage if you choose.
- Collision coverage: Collision coverage pays for damages to your car in an accident, no matter who is at fault for the collision. Typically, drivers choose to combine liability and collision coverage to keep themselves and other motorists safe.
- Comprehensive coverage: Insurance providers often offer both collision and comprehensive coverage on their high-coverage plans. Comprehensive coverage pays for damage to your car that happens outside of a collision, like weather damage or theft.
Understanding these different insurance types can help you create the right blend in your policy.
2. Get Quotes from Insurance Companies
While average insurance costs can give you a general idea of how much you might pay to insure your Nissan Rogue, the only way to know your costs for certain is to contact different insurance companies to get quotes. A quote is an estimate of how much you might pay each month in insurance, depending on a variety of factors. You can get a quote by calling a company’s headquarters or by submitting a request on the company’s website.
3. Research Discounts
Some insurance companies offer lower rates to people who meet certain criteria. For example, if you or your spouse served in the military, you might be eligible for discounts from Geico and other providers. Military members and veterans might also consider USAA, which only serves active and retired service members and their immediate family members. If you work for a government agency or belong to a national sorority or fraternity, you might also get a discounted rate. When you speak to company representatives, tell them about your work and educational background to see if you qualify for a discount.
4. Compare Policies
Once you’ve collected quotes from different insurance companies, you can compare the policies’ costs and features. While cost might be a primary factor in your decision, you can also consider the different features of each policy. A company’s claim process and customer service policies can also affect your decision. Some insurance companies require customers to submit a claim over the phone, while others have mobile applications to automate the process.
After you choose an insurance policy, you can save even more by driving carefully and respecting speed limits, to reduce the risk of a speeding ticket or collision. These events can cause your insurance premiums to rise drastically. After you’ve been with your provider for a year, you can contact their customer service team to see if you’re eligible for a discount, which can lower your monthly cost.
At FIXD, our mission is to make car ownership as simple, easy, and affordable as possible. Our research team utilizes the latest automotive data and insights to create tools and resources that help drivers get peace of mind and save money over the life of their car.