Cheap Quotes for Nissan Rogue Insurance in Newark

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If saving the most money is your goal, then the best way to get the cheapest Nissan Rogue insurance is to start comparing rates regularly from insurers who provide auto insurance in Newark.

First, read about car insurance and the steps you can take to prevent expensive coverage. Many things that increase rates such as careless driving and a bad credit rating can be remedied by improving your driving habits or financial responsibility. This article provides more information to find cheap rates and earn a bigger discount.

Second, obtain price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only quote rates from one company like Progressive or Allstate, while independent agents can quote prices for many different companies.

Third, compare the quotes to your current policy premium and determine if there is any savings. If you find a lower rate and decide to switch, make sure there is no coverage gap between policies.

Fourth, tell your current agent or company of your intent to cancel your current coverage. Submit the required down payment along with the signed application for your new policy. When you receive it, place the new proof of insurance certificate in an easily accessible location in your vehicle.

A good tip to remember is that you use similar coverage information on every quote and and to get price estimates from as many companies as you can. Doing this provides a level playing field and the best price selection.

Discount Nissan Rogue insuranceSmart shoppers know that insurance companies don't want you to look for cheaper rates. Drivers who compare rates at least once a year are likely to move their business because there is a significant possibility of finding a cheaper policy. A recent study showed that people who compared price quotes annually saved over $3,400 over four years as compared to drivers who never shopped around.

If finding the cheapest rates on insurance is the reason for your visit, then having some knowledge of the best way to quote and compare auto insurance can help make the process easier.

How You Can Control Nissan Rogue Insurance Rates

Many different elements are taken into consideration when quoting car insurance. A few of the factors are predictable such as traffic violations, but other factors are less apparent such as whether you are married or your commute time.

Listed below are a partial list of the pieces utilized by car insurance companies to help set your rate level.

  • Traffic violations increase prices - Careful drivers get better prices than people who have multiple driving citations. Getting just one citation may increase your cost substantially. Drivers who have gotten careless tickets like DUI or reckless driving may need to file a SR-22 with their state in order to continue driving.

    The information below illustrates how speeding tickets and fender-benders can affect Nissan Rogue yearly insurance costs for different age groups. The data assumes a single male driver, comp and collision included, $1,000 deductibles, and no discounts are taken into consideration.

  • Is your vehicle theft-ready? - Driving a car with an alarm system can earn a premium discount. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart vehicle theft.
  • Men drivers tend to cost more - Over time, data shows females are less aggressive when driving. However, this does not mean females are better drivers. Males and females cause auto accidents at about the same rate, but the males have costlier accidents. Men also statistically receive more costly citations such as driving while intoxicated (DWI) or driving recklessly.

    The illustration below compares Nissan Rogue insurance premiums for male and female drivers. The premiums assume no tickets, no at-fault accidents, comprehensive and collision coverage, $1,000 deductibles, single status, and no discounts are taken into consideration.

  • Impacts performance impacts auto insurance rates - The make and model of the vehicle you are trying to find cheaper insurance for makes a big difference in your car insurance bill. Low performance passenger vehicles usually are quite affordable to insure, but there are many factors that impact the final cost.

    The next chart uses these variables: married male driver age 30, full coverage with $500 deductibles, and no discounts or violations. It compares Nissan Rogue rates compared to other models that have different performance rating factors.

  • If you don't need it don't buy it - Policies have additional coverages that can add up if you aren't careful. Insurance for things like vanishing deductibles, high-cost glass coverage, and term life insurance are examples of these. They may seem like a good idea when talking to your agent, but your money might be better spent on other coverage so remove them from your policy.
  • Liability protection limits on your policy - Your policy's liability coverage is the coverage that protects you if ever you are determined to be liable for causing damage or personal injury in an accident. Liability insurance provides legal defense coverage which can be incredibly expensive. Liability insurance is quite affordable compared to other policy coverages, so do not cut corners here.
  • Stay claim-free and lower prices - If you file a lot of claims you can look forward to either a policy non-renewal or much higher rates. Auto insurance companies in New Jersey generally give discounts to people who file claims infrequently. Auto insurance is intended for claims that you cannot pay yourself.
  • Insurance loss statistics a Nissan Rogue - Companies use statistical claims data to determine a price that will be profitable for them. Models that have increased claim numbers or amounts will have a higher premium rate.

    The next table shows the collected loss data for Nissan Rogue vehicles. For each insurance policy coverage type, the claim probability for all vehicles as a whole is considered to be 100. Percentage numbers below 100 represent a good loss history, while percentages above 100 indicate frequent claims or an increased chance of a larger loss.

    Insurance Loss Ratings for Nissan Rogue Vehicles
    Vehicle 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

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

Premium rates and analysis

The rate table shown next outlines estimates of insurance policy prices for Nissan Rogue models. Having insight into how insurance policy premiums are formulated can be useful when making smart policy decisions.

Nissan Rogue Insurance Rates in Newark, NJ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rogue S 2WD $292 $494 $554 $32 $166 $1,538 $128
Rogue S AWD $292 $494 $554 $32 $166 $1,538 $128
Rogue SL 2WD $292 $494 $554 $32 $166 $1,538 $128
Rogue SL AWD $292 $582 $554 $32 $166 $1,626 $136
Get Your Own Custom Quote Go

Premium data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and New Jersey minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Information does not factor in specific Newark garaging location which can influence premium rates substantially.

Physical damage deductibles: Should you raise them?

One of the hardest decisions when shopping for insurance is how high should the physical damage deductibles be. The comparison tables below help summarize the rate differences when you select higher and lower physical damage coverage deductibles. The first table uses a $250 deductible for physical damage and the second rate table uses a $1,000 deductible.

Nissan Rogue insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rogue S 2WD $372 $626 $544 $32 $162 $1,761 $147
Rogue S AWD $372 $626 $544 $32 $162 $1,761 $147
Rogue SL 2WD $372 $626 $544 $32 $162 $1,761 $147
Rogue SL AWD $372 $738 $544 $32 $162 $1,873 $156
Get Your Own Custom Quote Go
Nissan Rogue insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rogue S 2WD $230 $394 $544 $32 $162 $1,362 $114
Rogue S AWD $230 $394 $544 $32 $162 $1,362 $114
Rogue SL 2WD $230 $394 $544 $32 $162 $1,362 $114
Rogue SL AWD $230 $464 $544 $32 $162 $1,432 $119
Get Your Own Custom Quote Go

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and New Jersey minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Price information does not factor in specific location which can lower or raise auto insurance rates considerably.

Based on this data, using a $250 deductible would cost the average driver about $34 more each month or $408 every year than quoting the higher $1,000 deductible. Because you would pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you have at least 22 months between claim filings, you would probably come out ahead if you choose a higher deductible.

Difference between liability only and full coverage rates

The example below shows the difference between Nissan Rogue yearly insurance costs when comparing full coverage to state minimum liability only. The premiums assume no claims or driving violations, $250 deductibles, marital status is single, and no additional discounts are factored in.

When to buy liability coverage only

There is no clear-cut formula for phasing out physical damage coverage on your policy, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is more than 10% of replacement cost minus your deductible, then it may be the right time to buy liability only.

For example, let's say your Nissan Rogue replacement cost is $3,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $2,000 after paying the physical damage deductible. If premium cost is more than $200 annually for comprehensive and collision coverage, then it might be time to consider dropping full coverage.

There are some situations where only buying liability is not financially feasible. If you still owe money on your vehicle, you have to maintain full coverage in order to satisfy the requirements of the loan. Also, if your emergency fund is not enough to purchase a different vehicle in the event your current vehicle is totaled, you should not remove full coverage.

Cheaper Nissan Rogue insurance rates in Newark

Some providers don't always list all discounts in a way that's easy to find, so the list below gives a summary of a few of the more common as well as some of the hidden discounts you could be receiving when you buy Newark car insurance online. If you don't get every credit you qualify for, you're paying more than you need to.Cheaper insurance with discounts

  • Student Discount for Driver Training - Reduce the cost of insurance for teen drivers by having them successfully take a driver's education course if it's offered in school.
  • Defensive Driver - Taking time to complete a course in safe driver could earn you a small percentage discount and easily pay for the cost of the class.
  • Seat Belts Save more than Lives - Forcing all vehicle occupants to fasten their seat belts can save 10% or more off the personal injury premium cost.
  • Low Mileage Discounts - Driving less may allow you to get slightly better insurance rates than normal.
  • Policy Bundle Discount - If you can bundle your home and auto insurance with the same insurance company you could earn a discount of approximately 10% to 15%.
  • Senior Citizen Discount - Seniors can get reduced rates.

A little note about advertised discounts, some credits don't apply to the entire policy premium. Most only apply to individual premiums such as comprehensive or collision. So when it seems like you can get free auto insurance, companies wouldn't make money that way. Any amount of discount should help reduce your policy cost.

The chart below shows the comparison of Nissan Rogue insurance costs with and without discounts applied to the policy rates. The data assumes a male driver, no claims or driving violations, New Jersey state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, homeowner, marriage, safe-driver, multi-car, and claim-free discounts applied.

Popular insurance companies and a summarized list of policyholder discounts can be read below.

  • Farm Bureau has discounts for good student, multi-policy, 55 and retired, driver training, safe driver, and youthful driver.
  • Liberty Mutual offers discounts for new graduate, multi-policy, preferred payment discount, multi-car, and new move discount.
  • State Farm offers discounts including Drive Safe & Save, student away at school, good driver, multiple policy, multiple autos, driver's education, and safe vehicle.
  • Auto-Owners Insurance policyholders can earn discounts including air bags, teen driver, group or association, company car, paperless, and safe driver.
  • GEICO may offer discounts for driver training, anti-lock brakes, seat belt use, air bags, military active duty, multi-policy, and good student.
  • SAFECO offers premium reductions for teen safe driver, accident prevention training, multi-car, bundle discounts, and anti-theft.

If you need cheaper Newark car insurance quotes, ask each company or agent what discounts are available to you. All car insurance discounts might not be available to policyholders everywhere.

Best auto insurance company in Newark

Choosing the top insurance company is hard considering how many companies there are in New Jersey. The rank data in the lists below can help you analyze which car insurance companies to look at comparing price quotes from.

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

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

Cheaper insurance is a realistic goal

As you restructure your insurance plan, it's a bad idea to skimp on critical coverages to save a buck or two. In too many instances, consumers will sacrifice collision coverage and found out when filing a claim that the few dollars in savings costed them thousands. Your goal should be to buy enough coverage at the best price.

We just showed you many tips how you can lower your Nissan Rogue insurance prices in Newark. The key concept to understand is the more rate comparisons you have, the better your chances of lowering your rates. Drivers may even discover the lowest prices are with a lesser-known regional company. These smaller insurers often have lower rates on specific markets than the large multi-state companies such as State Farm or Progressive.

More tips and info about insurance can be read at these sites: