Cheapest Rates for Nissan Rogue Insurance in Chandler

Discount Nissan Rogue insuranceThe recommended way to find low-cost Nissan Rogue insurance is to begin comparing prices regularly from different companies who provide auto insurance in Chandler.

First, try to learn a little about the coverage provided by your policy and the things you can control to keep rates low. Many rating criteria that result in higher rates such as distracted driving and a negative credit rating can be rectified by making small lifestyle or driving habit changes.

Second, get rate quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can give quotes from one company like Progressive or Allstate, while independent agencies can provide rate quotes from multiple companies. View rates

Third, compare the new rates to the price on your current policy to determine if you can save on Rogue insurance. If you find a lower rate quote and decide to switch, make sure there is no lapse between the expiration of your current policy and the new one.

Fourth, provide written notification to your current company to cancel your current auto insurance policy. Submit a down payment along with a signed application for your new coverage. Make sure you safely store the certificate verifying proof of insurance with your vehicle’s registration.

A good piece of advice is that you use the same deductibles and limits on each price quote and and to get prices from as many companies as you can. This provides a fair rate comparison and the best price selection.

A study showed that most car insurance buyers kept their policy with the same company for at least the last four years, and approximately 38% of consumers have never compared rates with other companies. Drivers in Chandler could save about $730 every year just by comparing rates, but they don’t want to take the time to go online and compare rates.

How to lower your Nissan Rogue insurance cost in Chandler, Arizona

Many insurance companies give price estimates on the web. Doing online price comparisons for Nissan Rogue insurance in Chandler is pretty painless as you simply type in the coverages you want on the page. After the form is submitted, their system pulls information on your driving record and credit history and generates a price based on the data you entered.

This streamlines rate comparisons, and it’s very important to get many rate quotes if you want to find the lowest payment.

To save time and find out how much you’re overpaying now, visit the companies below or click here to submit a quote request to multiple companies at once. If you have a policy now, it’s recommended you duplicate the coverage information exactly as they are listed on your policy. This ensures you will be getting an apples-to-apples comparison based on identical coverages.

The auto insurance companies shown below have been selected to offer price comparisons in Chandler, AZ. To get the best car insurance in AZ, we recommend you get rate quotes from several of them to get the best price comparison.

These nine discounts can slash Nissan Rogue insurance rates

Auto insurance companies don’t always advertise all their discounts in a way that’s easy to find, so we took the time to find some of the more common and the harder-to-find discounts that may be available.Save money with discounts

It’s important to note that many deductions do not apply to the whole policy. Most only apply to individual premiums such as liability and collision coverage. Despite the fact that it seems like you can get free auto insurance, company stockholders wouldn’t be very happy.

The information below compares Nissan Rogue premium costs with and without discounts being applied to the rates. The information is based on a female driver, a clean driving record, no at-fault accidents, Arizona state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, homeowner, claim-free, multi-car, and safe-driver discounts applied.

To choose auto insurance companies who offer auto insurance discounts in Chandler, click this link.

Auto insurance data for a Nissan Rogue

The data table shown next highlights different rate quotes for Nissan Rogue models. Having a better understanding of how car insurance premiums are established can help customers make decisions on which coverage to buy.

Nissan Rogue Insurance Rates in Chandler, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rogue S 2WD $162 $324 $382 $22 $114 $1,004 $84
Rogue S AWD $162 $324 $382 $22 $114 $1,004 $84
Rogue SL 2WD $162 $324 $382 $22 $114 $1,004 $84
Rogue SL AWD $162 $382 $382 $22 $114 $1,062 $89
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Premium data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Estimates do not factor in specific garaging location which can affect price quotes substantially.

An analysis of deductible level

When buying auto insurance, a common question is how high should the deductibles for physical damage be. The tables below illustrate the price difference between low and high policy deductibles. The first rate quote example uses a $100 deductible for comprehensive and collision coverage and the second price chart uses a $1,000 deductible.

Nissan Rogue insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rogue S 2WD $258 $466 $338 $20 $102 $1,209 $101
Rogue S AWD $258 $466 $338 $20 $102 $1,209 $101
Rogue SL 2WD $258 $466 $338 $20 $102 $1,209 $101
Rogue SL AWD $258 $548 $338 $20 $102 $1,291 $108
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Nissan Rogue insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rogue S 2WD $144 $246 $338 $20 $102 $850 $71
Rogue S AWD $144 $246 $338 $20 $102 $850 $71
Rogue SL 2WD $144 $246 $338 $20 $102 $850 $71
Rogue SL AWD $144 $290 $338 $20 $102 $894 $75
Get Your Own Custom Quote Go

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Table data does not factor in zip code location which can impact premiums considerably.

Based on the above data, using a $100 deductible will cost you roughly $31 more each month or $372 a year than choosing the higher $1,000 deductible. Since the policyholder would be required to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to have more than 29 months between claim filings, you would probably be better off if you elect the higher deductible. Here is a better example of how this determination is made.

Average monthly premium for $100 deductibles: $103
Average monthly premium for $1,000 deductibles (subtract): – $72
Monthly savings from raising deductible: $31
Difference between deductibles ($1,000 – $100): $900
Divide difference by monthly savings: $900 / $31
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 29 months

One thing to be aware of is that raising deductibles means you will have to cover more of the damage yourself when you have a claim. That will necessitate enough money put aside in the event you need to pay the deductible to have repairs made.

The diagram below demonstrates how deductible levels and can change Nissan Rogue yearly insurance costs for different age groups. The price estimates are based on a single female driver, full coverage, and no discounts are applied to the premium.

Safe drivers pay less for auto insurance

The illustration below illustrates how traffic citations and at-fault accidents influence Nissan Rogue car insurance rates for different age groups of insureds. Data assumes a single male driver, comp and collision included, $1,000 deductibles, and no discounts are taken into consideration.

Full coverage rates compared to liability-only

The example below shows the difference between Nissan Rogue insurance premiums with full physical damage coverage and with liability coverage only. The costs are based on no claims, a clean driving record, $500 deductibles, single marital status, and no discounts are taken into consideration.

Are you wasting money paying for full coverage?

There is no set guideline of when to drop physical damage insurance, but there is a guideline you can use. If the annual cost of your full coverage insurance is more than around 10% of replacement cost minus your deductible, then you might want to think about dropping full coverage.

For example, let’s pretend your Nissan Rogue settlement value is $9,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $8,000 after you pay the deductible. If you are paying over $800 a year to have full coverage, then you might consider buying liability only.

There are some circumstances where dropping full coverage is not financially feasible. If you have an outstanding loan on your vehicle, you are required to maintain full coverage in order to satisfy the requirements of the loan. Also, if you can’t afford to buy a different vehicle in the event your current vehicle is totaled, you should not buy liability only.