Cheapest 2011 Nissan Rogue Insurance Rates in 2023
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UPDATED: Dec 1, 2021
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Searching for better car insurance rates for your Nissan Rogue? Expensive car insurance can overdraw your personal savings and force you to prioritize other expenses. Comparing price quotes is free and is an excellent way to slash your bill and have more diposable income. Big-name insurance companies like GEICO, 21st Century and Progressive constantly blast consumers with ads and it is difficult to separate fact from fiction and take the time to shop coverage around.
Comprehensive Insurance Comparison Quotes
Shopping for lower insurance rates can take hours if you don’t utilize the easiest way. You can waste hours talking to agents in your area, or you could use the internet to get rate comparisons in just a few minutes.
All the larger companies enroll in a system that allows shoppers to only type in their quote data once, and every company then returns a price quote determined by their information. This prevents consumers from doing quote forms for each company you want a rate for.
To compare 2011 Nissan Rogue rates now click to open in new window.
The only downside to getting quotes like this is buyers cannot specifically choose the providers to get pricing from.
Which method you use is up to you, but make sure you use apples-to-apples quote information for each comparison quote. If the quotes have different limits and deductibles on each one it will be impossible to make a fair comparison for your Nissan Rogue.
Nissan Rogue insurance rates have many determining factors
An important part of buying insurance is that you know the rating factors that come into play when calculating car insurance rates. When you know what positively or negatively influences your rates empowers consumers to make smart changes that may reward you with lower car insurance prices.
- Lower deductibles cost more – Coverage for physical damage, termed comprehensive and collision coverage on your policy, is used to repair damage to your Nissan. Some examples of claims that would be covered are colliding with a building, damage caused by hail, and burglary. Physical damage deductibles are how much you are willing to pay if you file a covered claim. The more money the insured has to pay upfront, the less your company will charge you for insurance for Rogue coverage.
- More claims means more premium – Auto insurance companies give cheaper rates to drivers who do not file claims often. If you are a frequent claim filer, you can look forward to either policy cancellation or increased premiums. Car insurance is designed for the bigger claims that can’t be paid out-of-pocket.
- High credit ratings translate to low rates – Your credit history is a huge factor in determining your rates. So if your credit is not that good, you could potentially save money when insuring your 2011 Nissan Rogue by improving your credit score. Consumers who have high credit ratings tend to be less risk to insure as compared to drivers with lower credit scores.
- Where do you drive? – The more you drive every year the higher your rate. Most companies charge to insure your cars based on their usage. Autos not used for work or commuting receive lower rates than vehicles that are driven to work every day. Ask your agent if your car insurance policy is rated on the correct driver usage, because improper ratings can cost you money. If your policy improperly rates your Rogue may be wasting your money.
- Bad driving skills means higher rates – Careful drivers get better rates compared to drivers with tickets. Just one citation can boost insurance rates twenty percent or more. Drivers with flagrant tickets such as reckless driving, hit and run or driving under the influence are required to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to keep their license.
- Being married is a good thing – Having a wife or husband helps lower the price on car insurance. It means you’re more mature and it’s proven that being married results in fewer claims.
- Are you male or female? – Statistics demonstrate women are more cautious behind the wheel. Now that doesn’t mean women are BETTER drivers than men. Women and men have accidents in similar numbers, but men tend to have more serious accidents. Men also get more serious tickets such as DWI and reckless driving.
Discounts on 2011 Nissan Rogue insurance
The cost of insuring your cars can be expensive, but you can get discounts that can drop the cost substantially. A few discounts will automatically apply when you quote, but less common discounts must be requested specifically before being credited. If they aren’t giving you every credit you deserve, you’re paying more than you need to.
- Federal Government Employee – Being employed by or retired from a federal job can save as much as 8% for Rogue coverage depending on your company.
- Auto/Life Discount – Select insurance companies reward you with lower rates if you buy auto and life insurance together.
- E-sign – A handful of insurance companies give back up to $50 simply for signing over the internet.
- Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to wear their seat belts can save 10% or more off your medical payments premium.
- Homeowners Discount – Owning a home can help you save on insurance because owning a home requires personal responsibility.
- Payment Method – If you pay your entire premium ahead of time rather than paying monthly you can actually save on your bill.
- Resident Student – Children who live away from home and do not have a car can be insured at a reduced rate.
- Air Bag Discount – Vehicles equipped with air bags and/or automatic seat belt systems may earn rate discounts of up to 25% or more.
- Discounts for Safe Drivers – Insureds without accidents may save up to 50% more for Rogue coverage than their less cautious counterparts.
- Fewer Miles Equal More Savings – Fewer annual miles on your Nissan could be rewarded with a substantially lower rate.
Keep in mind that some credits don’t apply to your bottom line cost. The majority will only reduce individual premiums such as comprehensive or collision. So when it seems like adding up those discounts means a free policy, companies don’t profit that way. Any amount of discount will help reduce your premiums.
Car insurance companies that may offer some of the above discounts may include but are not limited to:
- American Family
- Farm Bureau
- State Farm
- The Hartford
Double check with every prospective company which discounts they offer. Savings might not be offered in your area.
Tailor your coverage to you
When it comes to choosing the right insurance coverage for your personal vehicles, there really is not a one size fits all plan. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For example, these questions might help in determining whether your personal situation may require specific advice.
- If my 2011 Nissan Rogue is totaled, can I afford another vehicle?
- Is my ex-spouse still covered by my policy?
- Am I covered if I break a side mirror?
- Do I have coverage when using my vehicle for my home business?
- How does medical payments coverage work?
- Where can I find DUI or SR-22 insurance?
- Do I need medical payments coverage since I have good health insurance?
- Is my 2011 Nissan Rogue covered for smoke damage?
If you can’t answer these questions but a few of them apply, you might consider talking to a licensed agent. To find lower rates from a local agent, complete this form.
Car insurance coverage information
Understanding the coverages of your policy aids in choosing appropriate coverage for your vehicles. Policy terminology can be confusing and coverage can change by endorsement. These are the normal coverages offered by car insurance companies.
This protects you from damages or injuries you inflict on a person or their property in an accident. It protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.
It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 25/50/25 that translate to $25,000 bodily injury coverage, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.
Liability coverage pays for things such as funeral expenses, medical services, medical expenses and emergency aid. How much liability coverage do you need? That is up to you, but consider buying as much as you can afford.
Medical payments and PIP coverage
Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses such as chiropractic care, hospital visits, EMT expenses and surgery. They are used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. It covers all vehicle occupants in addition to being hit by a car walking across the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage
UM/UIM (Uninsured/Underinsured Motorist) coverage
This coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your Nissan Rogue.
Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Normally these coverages are similar to your liability insurance amounts.
Collision coverage protection
Collision insurance covers damage to your Rogue from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.
Collision can pay for claims like crashing into a ditch, hitting a mailbox and scraping a guard rail. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. It’s also possible to choose a higher deductible to get cheaper collision coverage.
Comprehensive auto coverage
Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers things such as theft, hitting a deer, damage from flooding and a tree branch falling on your vehicle. The maximum payout a car insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
Do the work, save more money
When trying to cut insurance costs, make sure you don’t skimp on coverage in order to save money. Too many times, an insured cut liability limits or collision coverage and discovered at claim time that the savings was not a smart move. Your goal should be to buy a smart amount of coverage for the lowest price, not the least amount of coverage.
Lower-priced 2011 Nissan Rogue insurance is available both online as well as from independent agents, and you should be comparing both in order to have the best price selection to choose from. There are still a few companies who don’t offer online price quotes and these regional insurance providers work with independent agents.
To learn more, feel free to visit the resources below:
- Teen Driving Statistics (iihs.org)
- Event Data Recorders FAQ (iihs.org)
- Tread Depth and Tire Safety (State Farm)
- Auto Insurance Learning Center (State Farm)
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