Cheap Insurance for a Nissan Rogue in Connecticut
Enter your Connecticut zip code below to view companies that have cheap auto insurance rates.
UPDATED: Nov 13, 2019
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Since we’re writing about car insurance, the words “affordable” or “cheap” shouldn’t be used anywhere in the article as a descriptor for auto insurance rates. Nonetheless, cheap car insurance for a Nissan Rogue can be hard, if not impossible, to find. Don’t let that discourage you, because we are going to tell you how you can still get auto insurance that you can afford to pay for.
The chances of buying cheap car insurance for a Nissan Rogue in Connecticut depends on many factors like annual miles driven, the likelihood of your vehicle being stolen, and if you have a clean driving record. Drivers pay around $1,060 each year to buy Nissan Rogue insurance, but that policy rate is an estimate using rate data for a 40-year-old single female that included full coverage and $500 deductibles.
There is a high probability that you are not 40 years old and maybe not even female, married instead of single, and you might want liability-only or different deductibles. What seems to be a small difference in the factors used in pricing a policy can produce large changes in how much coverage for a Nissan Rogue costs.
Auto insurance requires individual risk assessment, so the most reliable way to find the cheapest coverage for your Nissan is to get into the habit of shopping around regularly. To start saving now, get free quotes and you can get prices from some of the most affordable companies that offer coverage in Connecticut.
Your vehicle’s trim level tends to have a direct impact on the yearly cost, so the price you will pay to insure a Rogue S 2WD trim level will be $72 lower than the price to insure the higher-priced Rogue SL AWD version, as shown in the chart below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Rogue S 2WD||$208||$410||$506||$30||$152||$1,306||$109|
|Rogue S AWD||$208||$410||$506||$30||$152||$1,306||$109|
|Rogue SL 2WD||$208||$410||$506||$30||$152||$1,306||$109|
|Rogue SL AWD||$208||$482||$506||$30||$152||$1,378||$115|
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Prices based on single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Connecticut minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Premium costs do not factor in your specific Connecticut location which can influence insurance rates noticeably.
Establishing which companies offer the lowest-priced auto insurance rates for a Nissan Rogue calls for more time in order to find the best policy. Every insurance company uses their own method for determining rates, so we’ll take a look at the overall cheapest auto insurance companies in Connecticut.
It’s important to know that Connecticut auto insurance rates are determined by lots of factors that can increase the policy premium. Simply turning a year older, having a teenage driver, or getting a reckless driving citation can produce rate changes that can now make some companies cheaper in comparison to the competition.
|Rank||Company||Cost Per Year|
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Utica National has some of the most affordable car insurance rates in Connecticut at around $965 annually. Travelers, USAA, Amica, and Nationwide are also some of the more affordable Connecticut car insurance companies.
As shown in the rates above, if you are insured with USAA and switched to Utica National, you may realize a yearly savings of in the vicinity of $256. Drivers with Amica may save as much as $292 a year, and Nationwide policyholders might reduce rates by $418 a year.
If you want to find out if you’re overpaying, click here or visit any of the companies below.
Enter your zip code below to view companies that have cheap auto insurance rates.
Bear in mind that those premium estimates are averaged for all drivers and vehicles in Connecticut and do not factor in a specific rating modification for a Nissan Rogue. So the insurer that has the cheapest rates for you may not even be included in the above rate chart. That illustrates why you need to get car insurance quotes using your own driver and vehicle profiles.
Comparison of full coverage and liability-only policies
Finding cheap insurance for a Nissan Rogue in Connecticut is the goal of most people, and one of the easiest ways to pay less for insurance is to not buy comprehensive and collision coverage. The information below compares auto insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The data is based on no claims, a clean driving record, $500 deductibles, drivers are not married, and no additional discounts are factored in.
Averaged for all ages 20 through 70, physical damage coverage on your policy costs $2,050 per year more than carrying just liability coverage. That is a big expense that brings up the question if paying for full coverage is worth it. There is no exact rule for excluding physical damage coverage, but there is a guideline you can use. If the annual cost of comprehensive and collision coverage is more than around 10% of replacement cost minus your deductible, then it may be the right time to buy liability only.
For example, let’s say your vehicle’s claim settlement value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most your company will settle for is $2,000 after the policy deductible has been paid. If premium cost is more than $200 a year to have full coverage, then you may want to consider only buying liability coverage.
There are some circumstances where only buying liability is not financially feasible. If you haven’t satisfied your loan, you must maintain physical damage coverage to protect the lienholder’s interest. Also, if you don’t have enough money to buy a different vehicle in the even your car is totaled, you should maintain full coverage.
Why you are probably overpaying for Rogue insurance
Connecticut auto insurance rates are influenced by many factors that will increase or decrease the policy price. Getting older, buying a home instead of renting, or having an at-fault accident can trigger changes in premium that can now make some companies much cheaper than others. In addition to those changes, insurance companies amend pricing as needed to adjust for heavy claims or excess profits. Higher than normal claims may result in more expensive premiums, while profitable underwriting can cause lower-priced Rogue insurance rates.
The graph below shows the companies that have the cheapest car insurance in Connecticut for a 40-year-old male driver with a clean driving record, no accidents, and a good credit history. If we look at prices based on his personal profile, Utica National may offer the lowest car insurance rates in Connecticut at $1,005 annually. This is $983 less than the average premium paid by Connecticut drivers of $1,988. Travelers, Amica, USAA, and Nationwide also make the list of the cheapest Connecticut auto insurance companies.
Let’s now give the driver from the first rate comparison a couple of claims, poor credit, and a traffic ticket or two. Since every car insurance company has their own formula to establish rates, comparing prices could result in a new list of the cheapest car insurance companies in Connecticut as shown below.
Unitrin now has the lowest price on auto insurance in Connecticut with Travelers, MetLife, California Casualty, and General Casualty completing the list. This illustrates why it is critical to take the time to shop around to get affordable auto insurance rates for a Nissan Rogue.
Insurance prices can be altered by many different factors and change dramatically, so the most affordable company when you bought your policy may now be wasting a lot of money. Use our FREE comparison tool now!
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