It’s well known that insurance companies don’t want you to look at other companies. Insureds who shop for lower rates will, in all likelihood, switch auto insurance companies because there is a great chance of finding a lower-priced company. A study showed that people who regularly compared price quotes saved on average $70 a month compared to other drivers who never shopped for cheaper rates.
If finding the lowest price for Nissan Rogue insurance is the reason for your visit, understanding how to get rate quotes and compare coverages can help make the process easier and more efficient.
The best way to find the cheapest price for Nissan Rogue insurance is to compare prices regularly from companies in Greensboro. Price quotes can be compared by following these guidelines.
- Get an understanding of how auto insurance works and the steps you can take to keep rates low. Many factors that cause rate increases such as at-fault accidents, speeding tickets, and an unacceptable credit rating can be improved by paying attention to minor details. Continue reading for information to help find cheaper rates and find overlooked discounts.
- Request price quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only quote rates from a single company like Progressive or Allstate, while agents who are independent can provide price quotes from multiple insurance companies. Click to view companies
- Compare the new quotes to the price on your current policy to see if a cheaper rate is available in Greensboro. If you find a better price, ensure coverage does not lapse between policies.
An essential thing to point out is to make sure you’re comparing the same deductibles and limits on every price quote and and to compare as many companies as feasibly possible. This guarantees an apples-to-apples comparison and a good representation of prices.
If you are already insured or are shopping for new coverage, use these cost-cutting techniques to reduce premiums and still have adequate protection. The purpose of this post is to instruct you on the most effective way to quote insurance and how you can save the most money. You just need to know the best way to find the lowest price on the web.
Low Cost car insurance in Greensboro, NC
The car insurance companies shown below offer free rate quotes in Greensboro, NC. If multiple companies are listed, it’s highly recommended you visit several of them to get a more complete price comparison.
Insurance coverage analysis
The table displayed next outlines detailed analysis of insurance coverage prices for Nissan Rogue models. Learning a little about how auto insurance premiums are determined can be valuable when making informed decisions when comparing rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Rogue S 2WD||$184||$380||$296||$18||$88||$966||$81|
|Rogue S AWD||$184||$380||$296||$18||$88||$966||$81|
|Rogue SL 2WD||$184||$380||$296||$18||$88||$966||$81|
|Rogue SL AWD||$184||$446||$296||$18||$88||$1,032||$86|
|Get Your Own Custom Quote Go|
Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and North Carolina minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Price information does not factor in specific location information which can increase or decrease price quotes significantly.
The diagram below illustrates how your choice of deductibles and can change Nissan Rogue insurance premiums for each age group. The premiums assume a single female driver, comp and collision included, and no discounts are taken into consideration.
Insurance rates are higher with tickets and accidents
The chart below shows how speeding tickets and at-fault collisions impact Nissan Rogue insurance premiums for each age group. The prices are based on a married female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied.
How much more does full coverage cost?
The illustration below shows the difference between Nissan Rogue insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The costs are based on a clean driving record, no at-fault accidents, $1,000 deductibles, drivers are not married, and no discounts are factored in.
Should you be buying full coverage?
There isn’t a written rule to stop paying for full coverage, but there is a general guideline you can use. If the annual cost of coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then it might be time to buy liability only.
For example, let’s assume your Nissan Rogue replacement value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most you would receive is $2,000 after the policy deductible has been paid. If premiums are more than $200 annually for your policy with full coverage, then it’s probably a good time to buy liability coverage only.
There are some scenarios where buying only liability insurance is not in your best interest. If you haven’t paid off your loan, you have to keep full coverage to protect the lienholder’s interest in the vehicle. Also, if your emergency fund is not enough to purchase a different vehicle in the event your current vehicle is totaled, you should keep full coverage in place.
Auto insurance policy discounts for Nissan Rogue insurance in Greensboro
Some companies don’t always advertise all possible discounts in an easy-to-find place, so the list below gives a summary of some of the more common and the more hidden discounts you could be receiving when you buy Greensboro car insurance online.
- Discounts for Government Workers – Having worked for a branch of the government could cut as much as 10% off with certain companies.
- Discount for Passive Restraints – Factory options such as air bags and/or automatic seat belt systems could see savings of more than 20%.
- Bundle and Save – When you combine your auto and home insurance and insure them with the same company you may save over 10 percent off each policy depending on the company.
- No Claims – Claim-free drivers have much lower rates compared to drivers who are more careless.
- Paper-free Discount – A few larger online companies may give you up to $50 for buying a policy and signing up online.
- Low Mileage Discounts – Fewer annual miles on your Nissan may allow you to get cheaper premium rates.
As is typical with insurance, most of the big mark downs will not be given to the whole policy. Most only reduce the price of certain insurance coverages like liability and collision coverage. Even though it may seem like you would end up receiving a 100% discount, companies don’t profit that way. Any qualifying discounts will cut your auto insurance premiums.
The diagram below visualizes the comparison of Nissan Rogue premium costs with and without policy discounts. The premiums are based on a female driver, a clean driving record, no claims, North Carolina 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 multi-car, multi-policy, claim-free, homeowner, safe-driver, and marriage discounts applied.
Insurance companies who may offer most of these discounts may include but are not limited to:
- Mercury Insurance
- Farmers Insurance
- Auto-Owners Insurance
- Liberty Mutual
Before you buy a policy, ask every insurance company which discounts can lower your rates. Some discounts may not be offered in your area. To see companies who offer auto insurance discounts in North Carolina, click here.
Compare rate quotes but buy from a local neighborhood Greensboro car insurance agent
A small number of people still like to buy from a local agent and that is not a bad decision Agents can help you build your policy and give you someone to call. One of the benefits of comparing rate quotes online is the fact that drivers can get cheaper prices but still work with a licensed agent. Supporting local insurance agencies is especially important in Greensboro.
Once you complete this form (opens in new window), the quote information is emailed to local insurance agents that can provide free Greensboro car insurance quotes to get your business. It’s much easier because you don’t need to do any legwork as quotes are delivered immediately to your email address. If you need to get a rate quote from a particular provider, you can always search and find their rate quote page and submit a quote form there.
Choosing the best company requires you to look at more than just the quoted price. These are some questions you should get answers to.
- Are they giving you every discount you deserve?
- Does the agency support the community they serve?
- Do they reduce claim amounts on high mileage vehicles?
- How long has their agency been open in Greensboro?
- Does the agency have a current Errors and Omissions policy?
- If you are a high risk driver, do they have special markets for your coverage?
After talking to the agent and getting positive responses to all your questions as well as a price you’re happy with, it’s a good possibility that you have found an insurance company that meets the requirements to provide insurance coverage.
Greensboro auto insurance companies ranked
Finding the right auto insurance company can be difficult considering how many choices you have in Greensboro. The information listed below could help you choose which providers you want to consider to insure your vehicles.
Top 10 Greensboro Car Insurance Companies Overall
- AAA Insurance
- State Farm
- The Hartford
- Safeco Insurance
- American Family
Auto insurance is unique, just like you
When choosing the best auto insurance coverage for your vehicles, there really isn’t a “best” method to buy coverage. Everyone’s situation is a little different and your auto insurance should be unique as well.
These are some specific questions could help you determine if your insurance needs might need professional guidance.
- Can I use my car for my catering business?
- Should I buy additional glass protection?
- What should my uninsured motorist coverage limits be in North Carolina?
- Do I need motorclub coverage?
- Should I rate my Nissan Rogue as pleasure use or commute?
- Why am I required to buy liability insurance?
If you don’t know the answers to these questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It only takes a few minutes and can provide invaluable advice.
Car insurance coverages for a Nissan Rogue
Understanding the coverages of your policy can be of help when determining appropriate coverage for your vehicles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Below you’ll find the usual coverages offered by car insurance companies.
Collision coverage – Collision coverage covers damage to your Rogue from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.
Collision can pay for things like backing into a parked car, hitting a parking meter and sideswiping another vehicle. This coverage can be expensive, so consider removing coverage from older vehicles. Another option is to choose a higher deductible on your Rogue to save money on collision insurance.
Insurance for medical payments – Med pay and PIP coverage kick in for expenses like hospital visits, prosthetic devices, nursing services and pain medications. They are often utilized in addition to your health insurance program or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not universally available and may carry a deductible
Comprehensive coverage (or Other than Collision) – Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.
Comprehensive can pay for things like hitting a deer, a broken windshield, a tree branch falling on your vehicle, damage from flooding and vandalism. The most you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
Uninsured Motorist or Underinsured Motorist insurance – This gives you protection when the “other guys” either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Since a lot of drivers have only the minimum liability required by law (which is 30/60/25), their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally the UM/UIM limits are identical to your policy’s liability coverage.
Liability insurance – This coverage protects you from injuries or damage you cause to other people or property that is your fault. This insurance protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.
Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 30/60/25 which means $30,000 bodily injury coverage, a total of $60,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Occasionally you may see one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.
Liability coverage pays for claims like court costs, medical services and emergency aid. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford. North Carolina requires drivers to carry at least 30/60/25 but drivers should carry better liability coverage.
The chart below demonstrates why buying minimum limits may not be high enough to adequately cover claims.
Affordable auto insurance rates are available
You just learned a lot of information how to reduce Nissan Rogue insurance premium rates online in Greensboro. It’s most important to understand that the more quotes you get, the higher your chance of finding low cost Greensboro car insurance quotes. Consumers could even find that the best price on auto insurance is with the least-expected company. Some small companies may cover specific market segments cheaper than their larger competitors like Progressive and GEICO.
Lower-priced auto insurance in Greensboro can be bought from both online companies in addition to many Greensboro insurance agents, so you should compare both to have the best rate selection. There are still a few companies who do not provide online rate quotes and usually these small insurance companies prefer to sell through local independent agents.
Additional detailed information is located in the articles below:
- Safe Vehicles for Teens (iihs.org)
- Who Has the Cheapest Greensboro Car Insurance for Safe Drivers? (FAQ)
- Who Has the Cheapest Greensboro Auto Insurance Quotes for Active Military? (FAQ)
- What to do at the Scene of an Accident (Insurance Information Institute)
- Drunk Driving Statistics (Insurance Information Institute)
- Should I Purchase an Umbrella Liability Policy? (Insurance Information Institute)
- Vehicle Safety Ratings (iihs.org)