Cheap Quotes for Nissan Rogue Insurance in Newark

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.

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

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.

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: