Remarkably, a study showed that the vast majority of insurance customers renewed their policy with the same company for more than four years, and just short of a majority have never even shopped around for affordable coverage. North Carolina drivers could pocket up to $94 a year, but they underestimate the large savings they would see if they replace their high priced policy.
The most effective way to find discount Nissan Rogue insurance in Raleigh is to make a habit of comparing prices annually from different companies that insure vehicles in North Carolina. Price quotes can be compared by completing these steps.
- Learn about how your policy works and the steps you can take to prevent expensive coverage. Many risk factors that cause high rates like accidents, traffic violations, and an unacceptable credit rating can be controlled by paying attention to minor details. This article provides ideas to help prevent costly coverage and find overlooked discounts.
- Compare prices from direct, independent, and exclusive agents. Exclusive agents and direct companies can only provide price estimates from one company like Progressive or Allstate, while independent agencies can quote rates for many different companies. View rates
- Compare the new rate quotes to the premium of your current policy to determine if you can save on Rogue insurance in Raleigh. If you find a lower rate quote and change companies, make sure coverage is continuous and does not lapse.
An important note is to make sure you’re comparing the same liability limits and deductibles on every quote and and to look at as many companies as feasibly possible. Doing this helps ensure the most accurate price comparison and a complete rate analysis.
Choosing the most cost-effective auto insurance policy in Raleigh seems hard but is not really that difficult. If you are already insured or just want to reduce your rates, follow these tips to lower your rates while maximizing coverage. Drivers just need to learn how to find the lowest price on the web.
The Nissan Rogue Insurance Premium Equation
It’s important that you understand some of the things that help calculate your auto insurance rates. If you have a feel for what determines premiums, this allows you to make educated decisions that can help you get better auto insurance rates. Many different elements are part of the calculation when premium rates are determined. A few of the factors are predictable such as your driving record, but other criteria are more obscure like your vehicle usage or how financially stable you are.
More annual miles equals more premium – Driving a lot of miles in a year’s time the more you will pay for auto insurance. A lot of insurance companies price each vehicle’s coverage based on their usage. Cars and trucks not used for work or commuting can get a lower rate than vehicles that have high annual mileage. Incorrect rating for your Rogue can result in significantly higher rates. Verify your auto insurance policy properly reflects the right rating data, because improper ratings can cost you money.
Discounts for married couples – Getting married can get you a discount when shopping for auto insurance. Having a significant other demonstrates that you tend to be more responsible and insurance companies reward insureds because married couples file fewer claims.
Discounts for multiple policies – The majority of companies apply a discount to clients who have multiple policies with them. It’s known as a multi-policy discount. Even though this discount sounds good, drivers will still want to check prices from other companies to verify if the discount is saving money.
Always keep your policy in place – Driving without insurance is illegal and auto insurance companies will penalize you for letting your coverage lapse. Not only will you pay more, getting caught without coverage can result in fines and jail time. You may then be required to provide proof of insurance in the form of an SR-22 filing with the North Carolina motor vehicle department to get your license reinstated.
Accidents hurt – Your driving record impacts your car insurance rates tremendously. Only having one ticket may cause rates to rise to the point where it’s not affordable. Good drivers pay lower auto insurance prices as compared to those with violations. Drivers who have gotten careless tickets like reckless driving or DUI may find that they have to to file a SR-22 with their state’s licensing department in order to prevent a license revocation.
The illustration below illustrates how violations and fender-benders can influence Nissan Rogue yearly insurance costs for each different age category. The price estimates are based on a single male driver, full physical damage coverage, $100 deductibles, and no discounts are taken into consideration.
Insurance loss statistics a Nissan Rogue – Companies analyze past claim statistics to help set a rate to offset losses. Vehicles that the statistics show to have higher number or severity of losses will have higher rates for specific coverages.
The table below demonstrates the actual insurance loss data for Nissan Rogue vehicles. For each insurance policy coverage type, the loss probability for all vehicles, without regard to make or model, is represented as 100. Percentage values below 100 suggest losses that are better than average, while numbers shown that are more than 100 point to more losses or an increased chance of larger losses than average.
|Specific Nissan Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Nissan Rogue 4dr 2WD||94||91||77||116||108||93|
|Nissan Rogue 4dr 4WD||94||92||79||117||106||87|
|Nissan Rogue Select 4dr 2WD||100||119||69||165||169||115|
|Nissan Rogue Select 4dr 4WD||107||136||69||154||159||132|
Statistics from IIHS.org for 2013-2015 Model Years
Nissan Rogue insurance analysis
The price information shown below showcases estimates of prices for Nissan Rogue models. Understanding more about how car insurance premiums are figured can assist in making decisions on which insurance to purchase.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Rogue S 2WD||$152||$256||$286||$16||$86||$796||$66|
|Rogue S AWD||$152||$256||$286||$16||$86||$796||$66|
|Rogue SL 2WD||$152||$256||$286||$16||$86||$796||$66|
|Rogue SL AWD||$152||$302||$286||$16||$86||$842||$70|
|Get Your Own Custom Quote Go|
Table data represents married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Table data does not factor in specific zip code location which can decrease or increase rates substantially.
Gender-based insurance rates by age
The diagram below shows the comparison of Nissan Rogue auto insurance rates for male and female drivers. The prices are based on no claims or driving citations, full physical damage coverage, $250 deductibles, single marital status, and no additional discounts are factored in.
Rate comparison of full coverage and liability-only
The example below illustrates the comparison of Nissan Rogue insurance costs with full coverage compared to only the North Carolina minimum liability coverage. The premium estimates are based on a clean driving record, no claims, $500 deductibles, single status, and no discounts are applied to the premium.
When to eliminate full coverage
There isn’t a steadfast formula that works best for making the decision to drop physical damage coverage, but there is a general guideline. If the yearly cost for physical damage coverage is more than about 10% of the replacement cost minus the deductible, then you may need to consider dropping full coverage.
For example, let’s assume your Nissan Rogue settlement value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $2,000 after the policy deductible has been paid. If you are paying more than $200 a year for physical damage coverage, then you may want to consider only buying liability coverage.
There are some scenarios where eliminating full coverage is not recommended. If you still have a lienholder on your title, you must maintain physical damage coverage to satisfy the loan requirements. Also, if you can’t afford to buy a different vehicle in case of an accident, you should maintain full coverage.
You may qualify for discounts for Nissan Rogue insurance in Raleigh
Car insurance can be pricey, but there may be some discounts that can dramatically reduce your bill. Most are applied at quote time, but less common discounts must be inquired about before being credited. If you do not check that you are getting every discount you qualify for, you are paying more than you should be.
- Anti-theft System – Cars with anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
- Low Miles Discount – Keeping the miles down on your Nissan can qualify you for cheaper rates.
- Resident Student – Children who live away from home to go to college and do not have a car could qualify for this discount.
- Multi-car Discount – Insuring several vehicles on one policy can get a discount for every vehicle.
- Discount for Good Grades – This discount can save 20 to 25%. The good student discount can last up until you turn 25.
- Discounts for Cautious Drivers – Insureds without accidents could pay up to 40% less as compared to drivers with claims.
It’s important to note that many deductions do not apply to the whole policy. A few only apply to the cost of specific coverages such as collision or personal injury protection. So even though you would think all those discounts means the company will pay you, it doesn’t quite work that way.
The information below shows the difference between Nissan Rogue auto insurance costs with and without discounts applied. The premium estimates are based on a female driver, no violations or accidents, North Carolina state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, claim-free, safe-driver, homeowner, multi-car, and multi-policy discounts applied.
A list of car insurance companies and their offered discounts are outlined below.
- Progressive offers premium reductions for good student, multi-policy, multi-vehicle, homeowner, online signing, continuous coverage, and online quote discount.
- The Hartford discounts include good student, air bag, driver training, bundle, vehicle fuel type, defensive driver, and anti-theft.
- Mercury Insurance offers discounts including location of vehicle, good student, accident-free, low natural disaster claims, multi-car, and professional/association.
- GEICO offers discounts for military active duty, good student, multi-policy, membership and employees, anti-theft, and federal employee.
- AAA may have discounts that include good student, anti-theft, education and occupation, pay-in-full, good driver, multi-car, and AAA membership discount.
- State Farm policyholders can earn discounts including defensive driving training, passive restraint, Drive Safe & Save, driver’s education, good driver, student away at school, and safe vehicle.
If you want cheaper Raleigh auto insurance quotes, ask every insurance company which discounts they offer. All car insurance discounts may not apply to policyholders in Raleigh. To locate companies that offer the discounts shown above in Raleigh, click here to view.
Best car insurance in North Carolina
Selecting a good quality insurer can be difficult considering how many different companies sell coverage in North Carolina. The rank data shown next can help you select which providers you want to consider when shopping around.
Top 10 Raleigh Car Insurance Companies Overall
- Mercury Insurance
- AAA Insurance
- State Farm
- The Hartford
- Safeco Insurance
More quotes mean more auto insurance savings
Some insurance companies may not offer rates over the internet and many times these small insurance companies only sell through local independent agencies. Lower-priced Nissan Rogue insurance in Raleigh is available on the web in addition to many Raleigh insurance agents, so you should be comparing quotes from both so you have a total pricing picture.
As you shop your coverage around, don’t be tempted to buy less coverage just to save a little money. In many cases, an insured cut liability limits or collision coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your goal should be to buy a smart amount of coverage at the best possible price, but do not sacrifice coverage to save money.
Helpful learning opportunities
- Understanding Your Insurance Deductible (Insurance Information Institute)
- Who Has the Cheapest Car Insurance for a Nissan Sentra in Raleigh? (FAQ)
- Who Has the Cheapest Auto Insurance for Low Credit Scores in Raleigh? (FAQ)
- Who Has Cheap Raleigh Car Insurance Quotes for a Toyota Camry? (FAQ)
- What Car Insurance is Cheapest for Uber Drivers in Raleigh? (FAQ)
- How Much are Auto Insurance Quotes for a Subaru Outback in Raleigh? (FAQ)
- Who Has Affordable Car Insurance Rates for Drivers with Good Credit in Raleigh? (FAQ)
- Who Has Affordable Raleigh Car Insurance Quotes for a Ford Explorer? (FAQ)
- Who Has Affordable Auto Insurance Rates for a Chevrolet Malibu in Raleigh? (FAQ)
- Who Has Cheap Auto Insurance Rates for Drivers Under 21 in Raleigh? (FAQ)
- What Insurance is Cheapest for a Chevrolet Equinox in Raleigh? (FAQ)
- Who Has Cheap Auto Insurance Quotes for Uninsured Drivers in Raleigh? (FAQ)
- What Auto Insurance is Cheapest for High Mileage Drivers in Raleigh? (FAQ)
- Teen Driving Statistics (iihs.org)
- Auto Crash Statistics (Insurance Information Institute)
- Protect Yourself Against Auto Theft (Insurance Information Institute)
- Auto Insurance Learning Center (State Farm)