Affordable Insurance for a Nissan Rogue in Mesa

Would you like an easy way to compare the cheapest insurance rates in Mesa, AZ? Mesa drivers have lots of choices when trying to find low-cost Nissan Rogue insurance. They can either spend hours contacting agents trying to get quotes or save time using the internet to make rate comparisons. There is a right way and a wrong way to shop for insurance and you need to know the quickest way to compare rates for a new or used Nissan and locate the lowest price.

Everyone knows that car insurance companies don’t want you to look for cheaper rates. Consumers who shop around for cheaper rates will most likely move their business because there is a great chance of finding lower rate quotes. A recent survey revealed that people who make a habit of shopping around saved on average $3,400 over four years as compared to drivers who never shopped around for cheaper prices.

If finding budget-friendly rates on car insurance in Mesa is your ultimate goal, then having an understanding of how to compare insurance coverage can make it simple to find affordable coverage.

It’s a good idea to compare rates before your policy renews due to the fact that insurance prices fluctuate regularly. Despite the fact that you may have had the best rates on Nissan Rogue insurance in Mesa on your last policy the chances are good that you can find a lower rate quote today. There is too much inaccurate information about Rogue insurance on the web, but by reading this article, you’re going to learn some good information on how to lower your insurance bill.

Choices You Make Can Impact Your Insurance Prices

Many different elements are used when you get a price on insurance. Some are pretty understandable like your driving record, but some are less apparent such as your marital status or how safe your car is.

Shown below are some of the factors used by your company to calculate your rates.

• Liability insurance – Your policy’s liability coverage will afford coverage if ever you are determined to be liable for physical damage or personal injury to other. Liability insurance provides legal defense coverage up to the limits shown on your policy. This coverage is relatively inexpensive compared to comp and collision, so drivers should carry high limits.
• Your stress level may be raising your premiums – Careers like real estate brokers, architects, and emergency personnel tend to pay higher average rates attributed to high stress and lengthy work days. Conversely, occupations like farmers, engineers and the unemployed get better rates.
• Drive less and get lower premiums – The more you drive your Nissan annually the more you’ll pay to insure your vehicle. A lot of insurance companies charge rates based upon how you use the vehicle. Vehicles that are left in the garage receive better premium rates than cars that get driven a lot. Having the wrong rating on your Rogue may be costing you higher rates. It’s always a good idea to double check that your auto insurance coverage is showing the correct usage for each vehicle, because it can save money.
• Discounts for theft deterrents – Driving a car with anti-theft technology or alarm system can help bring down rates. Anti-theft devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar help track and prevent vehicle theft.

• Nissan Rogue claim data – Insurers use historical loss data to help set a rate to offset losses. Models that are shown to have high amounts or severity of claims will cost more for specific coverages. The table below shows the actual insurance loss data for Nissan Rogue vehicles.

  For each coverage type, the statistical loss for all vehicles combined as an average is a value of 100. Numbers that are below 100 indicate a favorable loss history, while numbers above 100 point to more frequent losses or tendency to have higher losses.

  
  

  Nissan Rogue Insurance Loss Statistics

  Vehicle Make and 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

  BETTER

  AVERAGE

  WORSE

  Statistics from IIHS.org for 2013-2015 Model Years

Car insurance statistics and figures

The table below covers a range of prices for Nissan Rogue models. Being able to understand how insurance prices are determined can be of help when making smart policy decisions.

Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Price estimates do not factor in specific garaging location which can affect price quotes noticeably.

Analysis of deductible levels

One frequently asked question is how high should the physical damage coverage deductibles be. The comparison tables below show the premium difference between high and low insurance deductibles. The first rate estimation uses a $100 deductible and the second rate table uses a $1,000 deductible.

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Price estimates do not factor in vehicle location which can influence rates noticeably.

Using the premium rates above, we can conclude that using a $100 deductible costs about $31 more each month or $372 a year than opting for the higher $1,000 deductible. Due to the fact that you would have to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to go at least 29 months between claims, you would most likely save money if you choose a higher deductible. The numbers below show an example of how you can decide this on your own policy.

An important thing to remember is that raising deductibles to save money results in having to pay to pay more out-of-pocket when you have a physical damage claim. That will require some funds available in the event you need to pay the deductible to have repairs made.

How careless driving impacts car insurance rates

The diagram below illustrates how violations and at-fault accidents impact Nissan Rogue insurance rates for different age groups. Data assumes a married female driver, full coverage, $500 deductibles, and no discounts are factored in.

Impact of age and gender on car insurance rates

The diagram below shows the comparison of Nissan Rogue car insurance rates for male and female drivers. The information is based on no accidents, no driving violations, comp and collision included, $250 deductibles, drivers are not married, and no discounts are taken into consideration.

These discounts can slash Nissan Rogue insurance rates

Companies offering auto insurance do not list every available discount in a way that’s easy to find, so the list below contains both well-publicized as well as the least known discounts you could be receiving when you buy Mesa car insurance online.

• Seat Belts Save – Drivers who always wear seat belts and also require passengers to buckle up could cut 10% or more off the medical payments premium.
• Payment Method – By paying your entire bill at once instead of monthly or quarterly installments you could save 5% or more.
• Low Miles Discount – Driving fewer miles may enable drivers to earn cheaper auto insurance rates.
• College Student – College-age children who are attending college and leave their car at home may be able to be covered for less.
• Multi-car Discount – Buying coverage for several vehicles with the same company can reduce the rates for all insured vehicles.

A little disclaimer on discounts, some of the credits will not apply to your bottom line cost. Most only reduce individual premiums such as comp or med pay. Even though it may seem like all the discounts add up to a free policy, auto insurance companies aren’t that generous.

The diagram below shows the difference between Nissan Rogue premium costs with and without discounts. Data assumes a male driver, no claims or violations, Arizona state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-policy, homeowner, multi-car, marriage, and safe-driver discounts applied.

To find providers who offer auto insurance discounts in Mesa, follow this link.

Quote more to save more

In this article, we covered many ideas to find cheaper Nissan Rogue insurance in Mesa. The most important thing to understand is the more quotes you get, the higher your chance of finding the cheapest Nissan Rogue rate quotes. Consumers may even find the best price on auto insurance is with a company that doesn’t do a lot of advertising.

While you’re price shopping online, do not buy lower coverage limits just to save a few bucks. There have been many cases where an insured cut comprehensive coverage or liability limits and discovered at claim time that the savings was not a smart move. Your focus should be to buy enough coverage at a price you can afford while not skimping on critical coverages.

Drivers switch companies for a number of reasons such as unfair underwriting practices, denial of a claim, policy non-renewal and even extreme rates for teen drivers. Regardless of your reason, finding a great new company can be less work than you think.

Steps to quoting cheaper Nissan Rogue insurance in Mesa

The best way we recommend to get cheaper auto insurance rates is to compare prices once a year from companies in Mesa.

• Step 1: Try to understand how insurance works and the modifications you can make to keep rates in check. Many things that result in higher prices such as distracted driving and an imperfect credit history can be eliminated by being financially responsible and driving safely.
• Step 2: Request rate estimates from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can give quotes from one company like GEICO or State Farm, while agents who are independent can provide prices for a wide range of companies.
• Step 3: Compare the new rates to the price on your current policy to see if a cheaper rate is available. If you find a lower rate quote and switch companies, ensure coverage does not lapse between policies.
• Step 4: Notify your current company of your intention to cancel your current policy and submit a completed policy application and payment for the new policy. As soon as you have the new policy, put the certificate of insurance in a readily accessible location in your vehicle.

One tip to remember is to use similar coverage information on every quote and and to get price quotes from as many car insurance companies as possible. This guarantees a fair price comparison and maximum price selection.

For more information, take a look at the resources below:

• Speed and Speed Limit FAQ (iihs.org)
• Who Has Cheap Auto Insurance Rates for Police Officers in Mesa? (FAQ)
• Who Has Affordable Auto Insurance Quotes for Good Students in Mesa? (FAQ)
• How Much are Auto Insurance Quotes for State Employees in Mesa? (FAQ)
• How to Avoid Common Accidents (State Farm)
• Collision Insurance Coverage (Nationwide)
• Uninsured Motorist Statistics (Insurance Information Institute)
• Prom Night Tips for Teen Drivers (State Farm)