Buying the best cheap auto insurance for a Nissan Rogue in California is dependent upon a complex formula that considers things such as how many years you have been driving, your credit rating, and the level of deductible you choose. Drivers pay approximately $1,276 annually for Rogue insurance, but that figure is an estimate based upon a 40-year-old married female driver with full physical damage coverage and $250 deductibles.
There’s a good chance you’re not a 40-year-old female, possibly single instead of married, or maybe you prefer to not insure for full coverage. Even a slight difference in rating variables can result in a large change in the coverage rate.
Not everyone needs the same coverages, so the way we recommend to find cheap car insurance rates for your Nissan is to just compare rates yourself.
Your vehicle’s trim level tends to impact the cost of insurance, so the price you pay to insure a Rogue S 2WD trim level will cost $100 less than the insurance cost for the more well-appointed Rogue SL AWD trim level, as shown in the chart below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Rogue S 2WD||$294||$564||$524||$32||$156||$1,570||$131|
|Rogue S AWD||$294||$564||$524||$32||$156||$1,570||$131|
|Rogue SL 2WD||$294||$564||$524||$32||$156||$1,570||$131|
|Rogue SL AWD||$294||$664||$524||$32||$156||$1,670||$139|
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Data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Premium amounts do not factor in vehicle location which can raise or lower insurance rates substantially.
Buying coverage from a highly-rated car insurance company can be a challenge considering how many companies provide coverage in Irvine. The ranking information shown below may help you select which companies to look at when shopping car insurance rates for a Nissan Rogue. The rankings below are for the largest companies in the United States, so companies with more of a regional focus are not factored into these rankings.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
|AAA of Southern California||91||94||97||92%||A+||94.1|
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Data Source: Insure.com Best Car Insurance Companies
The information below demonstrates how deductible levels can raise or lower insurance rates when trying to find cheap insurance for a Nissan Rogue. The price estimates are based on a single male driver, comp and collision included, and no discounts are factored in.
A 40-year-old driver could lower rates by $492 a year by increasing from a $100 deductible to a $500 deductible, or save $738 by using a $1,000 deductible. Even younger insureds, like the Age 20 category, could save as much as $1,640 every year by choosing a larger deductible amount.
When insureds make the decision to increase the deductibles on their policy, it is essential to have enough spare savings to be able to pay the extra out-of-pocket expense associated with higher deductibles.
Full coverage versus liability-only
Finding the cheapest car insurance is the goal of the majority of vehicle owners, and a good way to pay less for insurance for a Nissan Rogue is to not pay for full coverage. The information below compares yearly insurance costs when comparing full coverage to liability only. The premiums are based on a clean driving record, no claims, $1,000 deductibles, marital status is single, and no discounts are factored in.
If averaged out across all ages, physical damage insurance costs an additional $2,348 per year more than carrying just liability coverage. Lot’s of drivers question when is it safe to stop buying full coverage. There isn’t a written rule of when to stop paying for full coverage, but there is a guideline you can use. If the yearly cost of comp and collision coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then you might want to think about dropping full coverage.
For example, let’s assume your vehicle’s claim settlement value is $10,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most your company would pay you is $9,000 after the policy deductible has been paid. If you are paying over $900 a year for physical damage coverage, then you might consider buying liability only.
There are a few cases where removing full coverage is not a good plan. If you still owe a portion of the original loan, you have to carry full coverage to protect the lienholder’s interest. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should not remove full coverage.
Low rates can quickly become overpriced
Irvine car insurance rates are calculated based on many things that will increase or decrease the price of your policy. Simply having another birthday, getting divorced, or having an accident can trigger rate changes that may make certain companies cheaper than before.
In addition, auto insurance companies modify pricing multiple times each year to ensure their profitability. Higher than usual claims can cause higher prices, while a profitable period can cause lower-priced Rogue insurance rates.
To illustrate this point, the chart below shows the companies that have the cheapest car insurance in Irvine, CA for a 35-year-old female driver with no prior claims, no tickets, and solid credit. When quoting prices based on her current rating profile, USAA might offer the most affordable car insurance rates in Irvine at $1,213 annually. This is $438 less than the average rate paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide are also on the list of the cheapest Irvine, CA auto insurance companies.
The chart below compares rates after we give the driver from the first rate comparison an at-fault accident, a little lower credit rating, and a stop sign violation. Because each company has a different process to determining premium rates, comparing quotes could now result in a different list of affordable companies as shown below.
Grange now has the best price in Irvine with Progressive, Allstate, GEICO, and Mercury also being competitive. This example shows why it is crucial to compare as many rates as possible to find the most budget-friendly auto insurance quotes for a Nissan Rogue. Rates are made up of many different factors and can decrease or increase without notice, so the most economical option when you bought your policy may now be quite expensive.
How to find more affordable car insurance for a Nissan Rogue
Here are many thrifty solutions that can help Irvine drivers find lower-cost car insurance.
- Do not get traffic tickets
- Higher credit scores may earn you cheaper rates
- Save money by insuring your home and auto with the same company
- Avoid at-fault accidents and claims
- Save money by staying claim-free
- Increase the comprehensive and collision deductibles on your policy
- Compare price quotes at least once a year
That last idea is remarkably necessary, as we emphasized in this piece. Auto insurance rates fluctuate constantly, so drivers shouldn’t be resistant to switch carriers if a better deal can be had.
Many consumers stick with the same company and that’s fine, but is isn’t recommended if that stubbornness costs you a small fortune year after year. Spend a few minutes and compare rates and find cheaper auto insurance for a Nissan Rogue in Irvine.
The professional agents shown below can probably answer your questions and help you decide which auto insurance policy fits you best, as some drivers wish to get some help when comparing insurance rates for a Nissan Rogue. It can be difficult to find the cheapest rate yourself, so insurance agents can give you satisfaction knowing your coverage gives you sufficient coverage for your assets.
To locate an agency in your neighborhood, click the button following the list or click here to compare rates now.
- Wozencraft Insurance Agency
17321 Irvine Blvd #201 – Tustin, CA 92780 – (714) 263-2626
- Church and Casualty Insurance
3440 Irvine Ave # 150 – Newport Beach, CA 92660 – (949) 852-8558
- Mike McCain – State Farm Insurance Agent
1442 Irvine Blvd #204 – Tustin, CA 92780 – (714) 734-8300
- Ken LaTourette – State Farm Insurance Agent
1032 Irvine Blvd – Tustin, CA 92780 – (714) 544-3779