Auto Insurance Quotes for a Nissan Rogue in Irvine

It takes a little time, but the best way to get the cheapest car insurance rates is to compare quotes once a year from insurance carriers that insure vehicles in Irvine.

1. Read about car insurance and the things you can change to prevent rate increases. Many risk factors that cause high rates such as accidents, traffic violations, and an imperfect credit score can be amended by being financially responsible and driving safely.
2. Compare prices from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only provide price estimates from a single company like GEICO and Allstate, while independent agencies can quote prices from many different companies.
3. Compare the new rate quotes to your existing rates and see if there is a cheaper rate in Irvine. If you find better rates and buy the policy, make sure coverage does not lapse between policies.

A good tip to remember is to use the same liability limits and deductibles on every quote and and to analyze as many companies as feasibly possible. Doing this helps ensure an accurate price comparison and a better comparison of the market.

It’s safe to conclude that auto insurance companies don’t want their policyholders to compare prices. Drivers who shop around for a cheaper policy will presumably switch to a new company because they have good chances of getting low-cost coverage. A recent study showed that drivers who compared prices regularly saved on average $860 a year as compared to drivers who never compared other company’s rates.

If finding the lowest price on Nissan Rogue insurance is your goal, knowing how to shop and compare coverages can help you succeed in saving money.

When comparing insurance rates, know that obtaining a wide range of quotes increases the chance that you will find a better price. Some companies don’t provide online Irvine Rogue insurance quotes, so it’s recommended that you also compare price quotes from those companies as well.

The companies shown below are our best choices to provide comparison quotes in Irvine, CA. If you want to find the best auto insurance in Irvine, we suggest you visit several of them to get the best price comparison.

Insurance rate breakdown

The rate information displayed below highlights estimates of rate quotes for Nissan Rogue models. Having a good grasp of how insurance prices are calculated can benefit drivers when making smart choices when comparing insurance rates.

Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Prices do not factor in specific garaging location which can revise coverage prices substantially.

An analysis of deductible level

A question often asked by Irvine drivers is how high should the physical damage deductibles be. The comparison tables below sum up the difference in cost when you choose different deductibles. The first rate table uses a $250 deductible for physical damage and the second price chart uses a $1,000 deductible.

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Premium amounts do not factor in specific location information which can impact prices greatly.

We can derive from the above data that using a $250 deductible costs about $31 more each month or $372 for a full year averaged for all Rogue models than requesting the higher $1,000 deductible. Due to the fact that you would have to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to go more than 24 months between claims, you would save money if you elect the higher deductible. Below is an example of how this decision is made.

One important caveat is that higher deductibles means you will have to pay more out-of-pocket when you have a claim. You need to make sure you have some savings in the event you need to pay the higher deductible.

The diagram below shows how choosing a deductible and can impact Nissan Rogue insurance costs for each different age group. The premiums assume a single female driver, full coverage, and no discounts are factored in.

Full coverage rates vs. liability-only

The information below visualizes the comparison of Nissan Rogue premium costs with and without physical damage coverage. The costs are based on a clean driving record, no at-fault accidents, $500 deductibles, drivers are not married, and no policy discounts are applied.

When to eliminate full coverage

There is no clear-cut formula of when to drop comprehensive and collision coverage on your policy, but there is a broad guideline. If the yearly cost of full coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then you might consider buying liability only.

For example, let’s pretend your Nissan Rogue settlement value is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $2,000 after paying the physical damage deductible. If premiums are more than $200 a year to have full coverage, then you might want to consider buying only liability coverage.

There are a few cases where eliminating full coverage is not recommended. If you still have a loan on your vehicle, you have to maintain full coverage as part of the loan conditions. Also, if you don’t have enough money to buy a different vehicle in the event your current vehicle is totaled, you should not consider dropping full coverage.

Auto insurance is an important decision

Despite the high insurance cost for a Nissan Rogue in Irvine, insurance is a good idea for several reasons.

• Most states have compulsory liability insurance requirements which means you are required to buy specific limits of liability insurance if you want to drive legally. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
• If you took out a loan on your Nissan, it’s guaranteed your bank will force you to buy full coverage to protect their interest in the vehicle. If you default on your policy, the lender may insure your Nissan at an extremely high rate and require you to fork over for the expensive policy.
• Auto insurance protects both your assets and your Nissan Rogue. It will also provide coverage for medical bills for not only you but also any passengers injured in an accident. Liability insurance also pays expenses related to your legal defense if you cause an accident and are sued. If your car is damaged in a storm or accident, collision and comprehensive coverages will cover the damage repairs after a deductible is paid.

The benefits of carrying adequate insurance definitely exceed the cost, especially with large liability claims. Today the average American driver is overpaying more than $850 per year so it’s important to compare rates every year to help ensure money is not being wasted.

There’s no such thing as the perfect car insurance policy

When quoting and choosing proper insurance coverage, there is no “best” method to buy coverage. Everyone’s situation is unique and your car insurance should unique, too.
For example, these questions can aid in determining whether or not you may require specific advice.

• Are rock chip repairs covered?
• Is my camper covered for physical damage?
• What is covered by UM/UIM coverage?
• Will I be non-renewed for getting a DUI or other conviction?
• What is the difference between personal and commercial auto insurance policies?
• Is rental equipment covered for theft or damage?
• What is high-risk coverage and where do I buy it?
• Why is insurance for a teen driver so high in Irvine?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of car insurance companies in your area.

Car insurance 101

Having a good grasp of your auto insurance policy aids in choosing appropriate coverage for your vehicles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Listed below are typical coverages available from auto insurance companies.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as a broken windshield, hail damage, a tree branch falling on your vehicle and rock chips in glass. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision – This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims like sustaining damage from a pot hole, driving through your garage door, hitting a parking meter and scraping a guard rail. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. You can also increase the deductible on your Rogue to bring the cost down.

Uninsured Motorist or Underinsured Motorist insurance – This gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family and also any damage incurred to your Nissan Rogue.

Since many California drivers only carry the minimum required liability limits (15/30/5 in California), it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Insurance for medical payments – Coverage for medical payments and/or PIP kick in for immediate expenses such as pain medications, chiropractic care, EMT expenses, doctor visits and nursing services. They can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and also covers any family member struck as a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Auto liability insurance – This provides protection from damages or injuries you inflict on other’s property or people by causing an accident. This insurance protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 15/30/5 that translate to $15,000 bodily injury coverage, a total of $30,000 of bodily injury coverage per accident, and a limit of $5,000 paid for damaged property.

Liability can pay for things such as repair bills for other people’s vehicles, structural damage and legal defense fees. The amount of liability coverage you purchase is your choice, but you should buy as much as you can afford. California requires minimum liability limits of 15/30/5 but you should think about purchasing higher limits.

The next chart demonstrates why low liability limits may not provide you with enough coverage.

Auto insurance companies ranked

Finding a good quality car insurance provider can be a challenge considering how many companies sell insurance in Irvine. The company rank data listed below can help you select which companies to look at comparing price quotes from.

Top 10 Irvine Car Insurance Companies by A.M. Best Rank

1. USAA – A++
2. Travelers – A++
3. State Farm – A++
4. GEICO – A++
5. Esurance – A+
6. Nationwide – A+
7. Allstate – A+
8. Mercury Insurance – A+
9. Progressive – A+
10. Titan Insurance – A+

Quote often and quote early

There are still a few companies who do not offer online price quotes and many times these smaller companies only sell coverage through independent agents. Budget-friendly car insurance in Irvine can be sourced on the web in addition to many Irvine insurance agents, and you should be comparing both in order to have the best chance of saving money.

We just showed you many ways to get a better price on Nissan Rogue insurance in Irvine. The key thing to remember is the more quotes you get, the better your chances of lowering your auto insurance rates. You may even discover the best price on car insurance is with a small mutual company. These smaller insurers may only write in your state and offer lower auto insurance rates than the large multi-state companies such as State Farm or Progressive.

To read more, take a look at the following helpful articles:

• Distracted Driving (Insurance Information Institute)
• What Car Insurance is Cheapest for Used Cars in Irvine? (FAQ)
• Who Has Affordable Irvine Auto Insurance Rates for a Chevrolet Equinox? (FAQ)
• Who Has Affordable Car Insurance Rates for Drivers with Accidents in Irvine? (FAQ)
• Who Has the Cheapest Car Insurance for 17 Year Olds in Irvine? (FAQ)
• Speed and Speed Limit FAQ (iihs.org)
• Preventing Carjacking and Theft (Insurance Information Institute)
• Smart Auto Insurance Tips (Insurance Information Institute)