Compare 2017 Nissan Rogue Sport Car Insurance Cost

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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 9, 2019

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Want the cheapest insurance rates for your Nissan Rogue Sport? Have you had enough of robbing Peter to pay Paul to keep your car insured? Your situation is no different than millions of other vehicle owners.

Vehicle owners have many auto insurance companies to choose from, and although it’s nice to have a choice, too many choices makes it more difficult to compare company pricing.

Auto insurance companies offer lots of discounts

Auto insurance is not an enjoyable expense, but you might already qualify for some discounts to reduce the price significantly. Certain reductions will be credited at quote time, but a few must be specifically requested before you get the savings.

  • Early Payment Discounts – By paying your entire bill at once rather than paying in monthly installments you can actually save on your bill.
  • Club Memberships – Affiliation with qualifying employment or professional organizations could qualify you for a break on your policy.
  • Telematics Data – Drivers who agree to allow driving data collection to monitor when and where they use their vehicle by using a telematic data system like Drivewise from Allstate or In-Drive from State Farm may get a rate reduction if they have good driving habits.
  • Low Mileage Discounts – Keeping the miles down on your Nissan could qualify for slightly better rates than normal.
  • Good Students Pay Less – Being a good student could provide a savings of up to 20% or more. The discount lasts well after school through age 25.
  • Active Service Discounts – Having a family member in the military may qualify for rate reductions.

Just know that many deductions do not apply to the overall cost of the policy. Most only cut specific coverage prices like collision or personal injury protection. Despite the fact that it seems like adding up those discounts means a free policy, nobody gets a free ride.

For a list of insurers that offer some of these discounts, click this link.

Get Nissan Rogue Sport insurance at a discount

Lots of things are part of the equation when you get a price on insurance. Some of the criteria are obvious like a motor vehicle report, but others are not as apparent like where you live or how safe your car is.

  • Is your vehicle theft-ready? – Owning a car with a theft deterrent system can save you a little every year. Advanced theft deterrents like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent vehicle theft.
  • Be proud to be claim-free – If you are a frequent claim filer, you can look forward to much higher rates or policy non-renewal. Insurance companies award cheaper rates to policyholders that do not abuse their auto insurance. Insurance coverage is designed for the bigger claims that can’t be paid out-of-pocket.
  • Gender as a rate factor – Statistics show women tend to be less risk to insure than men. The data does not necessarily mean that females are better drivers. Both sexes are responsible for fender benders in similar numbers, but the men tend to have higher claims. They also have more aggressive citations like DUI and reckless driving.
  • Premiums are lower the older you get – Mature drivers are shown to be more cautious, cost insurance companies less in claims and tend to be get fewer driving tickets.Inexperience drivers have a tendency to be careless and easily distracted when driving and because of this, their auto insurance rates are much higher.
  • Credit rating impacts premium rates – Your credit history is a big factor in determining your rates. If your credit history can be improved, you could save money insuring your 2017 Nissan Rogue Sport if you improve your credit rating. People with very good credit scores tend to be more responsible and file fewer claims than those with poor credit scores.
  • Car plus home equals more savings – Most major companies afford lower prices for people who buy several policies from them. It’s known as a multi-policy discount. Even with this discount applied, drivers will still want to compare rates to verify if the discount is saving money. It’s possible to still save even more than the discount by splitting coverages up.

Do I just need basic coverages?

When choosing the best insurance coverage coverage, there is no cookie cutter policy. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For instance, these questions may help you determine whether your personal situation will benefit from professional help.

  • Is there coverage for injuries to my pets?
  • Do I have coverage when using my vehicle for my home business?
  • Should I have a commercial auto policy?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • How do I file an SR-22 for a DUI in my state?
  • Do I need replacement cost coverage?
  • Where can I find DUI or SR-22 insurance?
  • Does medical payments coverage apply to all occupants?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies.

Auto insurance specifics

Having a good grasp of a auto insurance policy can help you determine the right coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. These are typical coverage types found on the average auto insurance policy.

Liability – Liability coverage protects you from injuries or damage you cause to a person or their property. This coverage protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Some companies may use a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as medical expenses, repair bills for other people’s vehicles, loss of income and bail bonds. How much liability should you purchase? That is a personal decision, but consider buying as large an amount as possible.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP provide coverage for bills for things like doctor visits, funeral costs, hospital visits and EMT expenses. They are used to fill the gap from your health insurance policy or if you do not have health coverage. They cover all vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Comprehensive insurance – This coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as vandalism, damage from flooding, a tree branch falling on your vehicle and theft. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM) – This provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and also any damage incurred to your 2017 Nissan Rogue Sport.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Collision coverage – This will pay to fix damage to your Rogue Sport resulting from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like backing into a parked car, colliding with another moving vehicle, damaging your car on a curb and sideswiping another vehicle. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. You can also raise the deductible to get cheaper collision coverage.

Don’t throw your cash in the trash

We just showed you many ways to save on 2017 Nissan Rogue Sport insurance. The key thing to remember is the more price quotes you have, the better your chances of lowering your car insurance rates. Consumers could even find that the best price on auto insurance is with the smaller companies. Regional companies may cover specific market segments cheaper compared to the large companies like GEICO and State Farm.

Cost effective 2017 Nissan Rogue Sport insurance can be sourced from both online companies and also from your neighborhood agents, so you need to shop auto insurance with both to get a complete price analysis. Some auto insurance companies may not provide rates over the internet and these regional insurance providers sell through independent agents.

When buying insurance coverage, do not skimp on coverage in order to save money. There have been many cases where an insured dropped uninsured motorist or liability limits to discover at claim time that it was a big error on their part. Your strategy should be to get the best coverage possible at the lowest possible cost, but do not skimp to save money.

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