Cheaper 2012 Nissan Rogue Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Dec 1, 2021

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Want lower insurance rates for your Nissan Rogue? Did you fall for a flashy sales pitch and buy overpriced insurance? Believe me, you’re not alone.

Since consumers have many choices of insurance companies, it’s difficult to pick the most cost effective company.

Finding affordable coverage is not that difficult. In a nutshell, everyone who carries insurance coverage should be able to find better rates. But drivers must learn how insurance companies sell online and use this information to your advantage.

Compare Car Insurance Costs

Effectively comparing car insurance prices can be a daunting task if you don’t utilize the best way to get rate quotes. You could spend the better part of a day talking about coverages with insurance agencies in your area, or you can stay home and use online quoting to quickly compare rates.

Many companies enroll in a system where insurance shoppers enter their coverage request one time, and every company returns a rated price based on the submitted data. This saves time by eliminating quote requests to each company.

To enter your information into the quoting system, click here to start a free quote.

The one downside to doing it this way is you cannot specify the insurers to get quotes from.

Whichever method you choose, be sure to compare the exact same deductibles and coverage limits for every company. If you compare unequal deductibles or liability limits it will be impossible to determine the lowest rate for your Nissan Rogue. Quoting even small variations in insurance coverages can make a big difference in price. It’s important to know that more quotes will improve the odds of getting the best rates.

Everyone needs different coverages

When buying proper insurance coverage, there really is not a “perfect” insurance plan. Everyone’s situation is unique so your insurance should reflect that Here are some questions about coverages that might help in determining whether your personal situation might need an agent’s assistance.

  • Are my friends covered when driving my 2012 Nissan Rogue?
  • Am I covered if I hit my neighbor’s mailbox?
  • Where can I find high-risk insurance?
  • Where can I find DUI or SR-22 insurance?
  • Is my teen driver covered when they drive my company car?
  • Is upholstery damage covered by car insurance?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you don’t have a local agent, take a second and complete this form.

Auto insurance coverage information

Having a good grasp of insurance helps when choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Listed below are typical coverage types found on the average insurance policy.

Comprehensive coverages – This coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like hitting a bird, hail damage and fire damage. The most you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Uninsured and underinsured coverage – This coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Normally these limits are identical to your policy’s liability coverage.

Coverage for medical payments – Med pay and PIP coverage kick in for short-term medical expenses for things like hospital visits, pain medications, EMT expenses, surgery and nursing services. They are often used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Collision coverages – Collision coverage will pay to fix damage to your Rogue resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things like crashing into a building, sustaining damage from a pot hole and hitting a mailbox. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. It’s also possible to increase the deductible to bring the cost down.

Liability auto insurance – This coverage will cover damage or injury you incur to other’s property or people. This coverage protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 that translate to a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged property. Occasionally you may see one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers claims like repair costs for stationary objects, pain and suffering, court costs, loss of income and structural damage. How much liability should you purchase? That is a decision to put some thought into, but consider buying higher limits if possible.

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