Save Money on Nissan Rogue Insurance in Austin

Insurance quote for Nissan Rogue in AustinBuying auto insurance online can seem difficult if you are a beginner to online quotes. Don’t let the process intimidate you because there is an easy way to compare rates for Nissan Rogue insurance in Austin.

It’s shocking but nearly 70% of consumers renewed their policy with the same company for at least four years, and nearly the majority have never compared rates to find cheaper insurance. Texas drivers could save themselves nearly 70% a year by just comparing quotes, but most tend to underestimate how much savings they would realize if they switched to a more affordable policy.

Pricing cheaper coverage in Austin is not as hard as you think. Practically every driver who shops around for insurance stands a good chance to be able to find lower rates. Nevertheless, Texas vehicle owners do need to learn the way companies determine premium rates and use it to your advantage.

Insurance Premium Influencing Factors

Lots of factors are taken into consideration when pricing auto insurance. Some are pretty understandable like an MVR report, but some are not as apparent such as whether you are married and annual miles driven.

Occupation reflects on rates – Do you have a high-stress occupation? Occupational choices like real estate brokers, architects and dentists generally pay higher average rates attributed to high stress levels and long work hours. On the flip side, occupations such as scientists, historians and performers pay the least.

Poor credit decisions can cost you – Having a bad credit history is a large factor in your rate calculation. If your credit history leaves room for improvement, you could potentially save money when insuring your Nissan Rogue by improving your credit score. Drivers who have very good credit scores tend to file fewer claims than drivers with worse credit.

High performance equals high costs – The performance of the car or truck you are insuring makes a huge difference in determining your rates. Due to the fact that the Nissan Rogue falls in the crossover class, insurance will be slightly more compared to average rates in Austin. The lowest performance passenger cars usually have the lowest rates, but many other things help determine your insurance rates.

Never allow your coverage to lapse – Having a lapse in insurance coverage can be a quick way to bump up your auto insurance costs. Not only will you pay higher rates, getting caught without coverage may result in a license revocation or jail time. You may then have to provide proof of insurance in the form of an SR-22 filing with the Texas motor vehicle department to get your license reinstated.

Do you really need roadside assistance? – There are quite a few add-on coverages you can purchase on your auto insurance policy. Coverage for things like coverage for rental cars, towing coverage, and term life insurance are some examples. These may sound like a good investment when talking to your agent, but if they’re wasting money consider taking them off your policy.

Put fewer miles on your vehicle – The more you drive in a year’s time the more you will pay for auto insurance. Almost all companies apply a rate based upon how the vehicle is primarily used. Vehicles that are left in the garage qualify for better rates than vehicles that have high annual mileage. Having an incorrect usage rating on your Rogue is throwing money out the window. It’s always a good idea to double check that your vehicle rating states annual mileage, because it can save money.

Insurance rates in urban areas – Choosing to live in less populated areas can be a good thing when talking about auto insurance. City drivers tend to have more auto accidents and longer commutes to work. Less people living in that area translates into fewer accidents.

Insurance loss probability for a Nissan Rogue – Insurers use past insurance losses as a way to help calculate a profitable premium price. Models that the data shows to have higher number or severity of losses will have a higher cost to insure.

The table below shows the compiled insurance loss statistics for Nissan Rogue vehicles. For each type of coverage, the statistical loss for all vehicles as a whole is represented as 100. Values under 100 indicate a favorable loss history, while percentages above 100 indicate more frequent claims or an increased likelihood of larger losses.

Nissan Rogue Insurance Claim Statistics

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

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

When comparing car insurance rates, know that comparing a wide range of rates increases the chance that you will find the best offered rates.

The companies shown below provide free quotes in Texas. If more than one company is shown, we recommend you get rate quotes from several of them to get the best price comparison.

Nissan Rogue Insurance Cost Estimates in Austin, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rogue S 2WD $182 $312 $430 $26 $128 $1,078 $90
Rogue S AWD $272 $400 $564 $34 $168 $1,438 $120
Rogue SL 2WD $282 $580 $452 $26 $136 $1,476 $123
Rogue SL AWD $226 $486 $404 $24 $122 $1,262 $105
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Prices above based on married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Rates do not factor in garaging location in Austin which can decrease or increase price quotes greatly.

Where to set your deductibles

One common question asked by Austin drivers is how high should the physical damage coverage deductibles be. The comparison tables below lay out the costs and benefits between high and low physical damage deductibles. The first table uses a $250 physical damage coverage deductible and the second price chart uses a $500 deductible.

Nissan Rogue insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rogue S 2WD $294 $496 $430 $26 $128 $1,399 $117
Rogue S AWD $294 $496 $430 $26 $128 $1,399 $117
Rogue SL 2WD $294 $496 $430 $26 $128 $1,399 $117
Rogue SL AWD $294 $584 $430 $26 $128 $1,487 $124
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Nissan Rogue insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rogue S 2WD $240 $400 $430 $26 $128 $1,224 $102
Rogue S AWD $240 $400 $430 $26 $128 $1,224 $102
Rogue SL 2WD $240 $400 $430 $26 $128 $1,224 $102
Rogue SL AWD $240 $472 $430 $26 $128 $1,296 $108
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Rates do not factor in vehicle garaging location which can lower or raise rates significantly.

Based on the figures above, using a $250 deductible costs roughly $15 more each month or $180 every year than selecting the higher $500 deductible. Since the policyholder would be required to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you normally go more than 17 months between claims, you would probably save some money by selecting a higher deductible. The illustration below shows the way we made this calculation.

Average monthly premium for $250 deductibles: $119
Average monthly premium for $500 deductibles (subtract): – $104
Monthly savings from raising deductible: $15
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $15
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 17 months

One big caveat is that a higher deductible level means you pay more out-of-pocket if you have a claim. You need enough extra money in order to pay more for the deductible.

Rate increases following a ticket or accident

The chart below illustrates how violations and at-fault collisions increase Nissan Rogue car insurance costs for each age group. The premiums are based on a married male driver, comp and collision included, $1,000 deductibles, and no policy discounts are applied.

Three main reasons to buy insurance

Despite the high cost, insurance may be required for several reasons.

The benefits of insuring your Rogue definitely exceed the cost, particularly if you ever have a claim. Despite what companies tell you, the average driver is wasting up to $825 a year so compare rate quotes each time the policy renews to make sure the price is not too high.

Verify you’re receiving every discount

Insuring your fleet can be pricey, but you may qualify for discounts that can dramatically reduce your bill. A few discounts will be applied at the time of quoting, but less common discounts must be inquired about before they will apply.Auto insurance discounts

As a disclaimer on discounts, some of the credits will not apply to the overall cost of the policy. Most only cut the cost of specific coverages such as liability, collision or medical payments. Even though the math looks like you would end up receiving a 100% discount, it doesn’t quite work that way.

A list of companies and the discounts they provide are shown below.

When getting free Austin auto insurance quotes, it’s a good idea to every prospective company to apply every possible discount. Some of the earlier mentioned discounts may not apply to policyholders in Austin.

Insurance agencies can help

A small number of people still like to have an agent’s advice and there is nothing wrong with that. An additional benefit of comparing rates online is the fact that drivers can get cheap auto insurance rates and still have an agent to talk to. And supporting local agents is definitely important in Austin.

Austin insurance agentsOnce you complete this simple form, your information is immediately sent to local insurance agents in Austin who want to provide quotes for your coverage. You won’t even need to contact any agents because prices are sent instantly to you. You can most likely find cheaper rates and work with a local agent. If for some reason you want to get a rate quote from a specific insurance company, feel free to jump over to their website and complete a quote there.

The following are Austin insurers that are able to give comparison quotes for Nissan Rogue insurance in Austin.

More Austin agents

Finding the right provider is decision based upon more than just a low price. Ask your prospective agent these questions:

Which policy gives me the best coverage?

Always remember that when buying coverage online or from an agent, there isn’t really a single plan that fits everyone. Your needs are not the same as everyone else’s and your insurance should unique, too.Insurance savings
For example, these questions may help highlight if your insurance needs would benefit from professional advice.

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies.

Compare. Compare. Compare.

You just read quite a bit of information on how to compare Nissan Rogue insurance premium rates in Austin. It’s most important to understand that the more price quotes you have, the higher the chance of saving money. Consumers may even find the most savings is with the least-expected company. Some small companies may cover specific market segments cheaper than the large multi-state companies such as Progressive or GEICO.

There are still a few companies who may not provide online price quotes and most of the time these regional insurance providers provide coverage only through independent agents. Lower-priced Nissan Rogue insurance in Austin can be found online and from local agencies, so you should compare both to have the best rate selection.

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