Finding the best cheap car insurance for a Nissan Rogue in North Carolina is pretty simple for most people to do, but it relies on a complex formula that considers things such as age of the vehicle, your claims history, and violations on your driving record. North Carolina drivers pay approximately $725 each year to insure their Rogue, but that figure is a projection based on a 30-year-old married female driver with both comprehensive and collision coverage and $250 deductibles.
The problem with using this number is the good chance you aren’t exactly 30 years old or even a female, maybe you are single instead of married, or maybe you have a speeding ticket that needs to be factored in. Having what appears to be a very minor change in policy rating criteria or coverages can result in a large change in policy price.
Every driver’s needs are different, and that is why the best method for finding cheap auto insurance rates for your Nissan is to do the rate comparisons yourself. Quotes only take a couple of minutes and you will receive rate quotes from some of the best insurers available.
The specific model of Rogue tends to have a direct effect on the annual cost of coverage, so the price you will pay to insure a Rogue S 2WD trim level will be $56 cheaper than the price to insure the more expensive Rogue SL AWD trim level, as shown in the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Rogue S 2WD||$186||$318||$286||$16||$86||$892||$74|
|Rogue S AWD||$186||$318||$286||$16||$86||$892||$74|
|Rogue SL 2WD||$186||$318||$286||$16||$86||$892||$74|
|Rogue SL AWD||$186||$374||$286||$16||$86||$948||$79|
|Get Your Own Custom Quote Go|
Premium data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and North Carolina minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Premium costs do not factor in the specific area where the vehicle is garaged which can modify coverage rates substantially.
Best insurance in North Carolina
Selecting a high-quality insurer is hard considering how many different insurance companies sell coverage in Greensboro. The company rank data shown below may help you analyze which car insurance providers to look at buying from.
These rankings are only made up of large insurance companies, so smaller companies are not taken into consideration for the list. If you wish to compare rates from these and other top-rated companies, follow this link.
Top 10 Major Auto Insurance Providers in Greensboro Ranked by Customer Service
- AAA Insurance
- Safeco Insurance
- State Farm
- The Hartford
- The General
Top 10 Major Auto Insurance Providers in Greensboro Ranked by Customer Satisfaction
- USAA – 91%
- AAA Insurance – 90%
- Esurance – 90%
- Nationwide – 89%
- Travelers – 88%
- Progressive – 88%
- Safeco Insurance – 88%
- State Farm – 88%
- Allstate – 88%
- The Hartford – 87%
The information below demonstrates how deductible levels can influence insurance premiums when getting quotes for cheap insurance for a Nissan Rogue. The prices are based on a married female driver, full coverage, and no discounts are taken into consideration.
As shown above, a 40-year-old driver could save $230 a year by switching from a $100 deductible up to a $500 deductible, or save $344 by changing to a $1,000 deductible. Even younger insureds, such as the Age 20 example, could shave $568 or more by using higher deductibles when buying full coverage.
When choosing a higher deductible, it is important to have enough spare savings to pay the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.
Price comparison of only insuring for liability
Lowering the price of insurance is important to most people, and an easy way to lower the cost of insurance for a Nissan Rogue is to not pay for full coverage. The information below visualizes the comparison of insurance prices with and without physical damage coverage. The rate quotes are based on no violations or claims, $500 deductibles, single status, and no discounts are factored in.
Averaged out for all age groups, physical damage coverage on your policy costs $1,487 per year more than carrying just liability coverage. At some point, about every driver wonders if it’s worth it to buy full coverage. There is no set guideline that is best for determining when to drop comp and collision coverage, but there is a broad guideline. If the annual cost of having full coverage is about 10% or more of replacement cost minus your deductible, then it may be the right time to buy liability only.
There are some situations where dropping physical damage coverage is not a good idea. If you still have a loan on your vehicle, you must maintain physical damage coverage to protect the lienholder’s interest in the vehicle. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is damaged, you should not drop full coverage.
How to find more affordable auto insurance for a Nissan Rogue
It’s not impossible to find cheaper rates, and here are some of the better thrifty solutions that can help you get cheap auto insurance.
- Accidents can significantly increase rates
- Vehicles with good safety ratings are usually cheaper to insure
- Claim-free policyholders usually earn a discount
- Multi-policy discounts save money
- Ensure your driving record is clean
- Look for cheaper rates once a year by shopping around
The final tip is extremely vital, as we emphasized in the article above. Auto insurance prices can be adjusted at any time, so drivers shouldn’t hesitate to switch carriers if a more affordable rate is found.
Staying with the same company for years is fine, but it’s not a good idea if that loyalty results in overpaying thousands of dollars over the life of your policy. Spend a few minutes and compare rates and find cheaper car insurance for a Nissan Rogue in Greensboro.