Cheapest Insurance for a Nissan Rogue in Chula Vista

It’s well known that insurance companies don’t want policyholders to shop around. Insureds who get comparison quotes at least once a year are highly likely to buy a different policy because the odds are good of finding coverage at a more affordable price. A recent study showed that consumers who compared rates annually saved approximately $3,500 over four years as compared to drivers who never shopped around for better prices.

If finding the best rates on car insurance in Chula Vista is your objective, then having some knowledge of the best way to quote and compare car insurance can make it easier for you to save money.

It takes a few minutes, but the best way to get affordable Nissan Rogue insurance is to start comparing prices yearly from companies who can sell car insurance in Chula Vista.

1. Read about car insurance and the things you can change to prevent high rates. Many rating factors that cause high rates such as speeding tickets, accidents and a substandard credit score can be amended by improving your driving habits or financial responsibility. Keep reading for additional ideas to help find cheaper rates and find missing discounts.
2. Quote rates from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only provide price estimates from a single company like GEICO and Allstate, while independent agents can provide rate quotes from many different companies.
3. Compare the new rate quotes to the price on your current policy and see if you can save money. If you find a lower rate and buy the policy, ensure there is no coverage lapse between policies.
4. Tell your current agent or company to cancel your current auto insurance policy and submit payment along with a signed and completed policy application for the new policy. As soon as you receive it, safely store the certificate of insurance in your glove compartment.

An essential thing to point out is to try to compare the same physical damage deductibles and liability limits on each price quote and and to compare every insurance company. Doing this provides a level playing field and and a good selection of different prices.

How to Lower Your Insurance Costs

The best way to find cheaper car insurance is to take a look at the factors that play a part in calculating your car insurance rates. When you understand what positively or negatively impacts your premiums, this enables informed choices that may reward you with better car insurance rates. Many different elements are considered when quoting car insurance. Some factors are common sense like your driving record, but other factors are less obvious like your continuous coverage and annual miles driven.

The factors shown below are some of the most common factors that factor into rates.

• Vehicles with better crash test results save money – Vehicles with good safety scores tend to have lower insurance rates. Vehicles built for safety reduce injuries and reduced instances of injuries translates into savings for insurance companies and thus lower rates. If your Nissan Rogue is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may be receiving a better rate.
• No policy claims equals better prices – Car insurance companies in California give most affordable rates to insureds who file claims infrequently. If you are a frequent claim filer, you can pretty much guarantee either a policy non-renewal or much higher rates. Your car insurance is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
• Limits of liability insurance – Your policy’s liability coverage will afford coverage if a jury decides you are liable for physical damage or personal injury to other. Your liability coverage provides for a legal defense starting from day one. Liability is cheap compared to comp and collision, so drivers should make sure they buy enough to cover all assets.
• Bundle policies to earn discounts – The majority of insurers will award lower prices to clients that buy multiple policies in the form of a multi-policy discount. Even if you’re getting this discount it’s still a good idea to shop around to make sure you are getting the best deal. You may still be able to find lower rates by buying from different companies
• Urban residents pay more – Having an address in less populated areas of the country can save you money when shopping for auto insurance. Residents of big cities have to deal with more road rage incidents and much longer commute distances. Fewer drivers on the road means a lower chance of having an accident and lower theft and vandalism rates.

• Nissan Rogue insurance loss probability – Insurers use past loss statistics for each vehicle as a tool for profitable underwriting. Models that the statistics show to have higher frequency or amount of claims will be charged more to insure. The table below demonstrates the insurance loss data used by companies for Nissan Rogue vehicles.

  For each coverage category, the claim probability for all vehicles, regardless of make or model, is considered to be 100. Percentages below 100 mean the vehicle has better than average losses, while values that are above 100 show a trend for more claims or an increased likelihood of larger losses.

  
  

  Auto Insurance Loss Data for Nissan Rogue Models

  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

  BETTER

  AVERAGE

  WORSE

  Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Auto insurance statistics for a Nissan Rogue

The table shown below showcases estimates of insurance prices for Nissan Rogue models. Being able to understand how rates are figured is important to be able to make decisions on the best policy to buy.

Table data represents married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Information does not factor in vehicle location which can impact price quotes greatly.

Deductible analysis

When buying auto insurance, a common question is where to set your physical damage deductibles. The premium rates below may aid in understanding the difference in cost between high and low insurance deductibles. The first pricing table uses a $250 deductible for comprehensive and collision coverage and the second rate chart uses a $1,000 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Rates do not factor in specific location which can increase or decrease price quotes significantly.

Based on the data above, we can derive that using a $250 deductible will cost in the ballpark of $31 more each month or $372 for a full year than opting for the higher $1,000 deductible. Because you would be required to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to average more than 24 months between claim filings, you would probably save some money by selecting a higher deductible.

The chart below highlights how deductible selection and can raise or lower Nissan Rogue premium costs for different age groups. The prices are based on a married male driver, comprehensive and collision coverage, and no discounts are factored in.

Cautious drivers save money

The diagram below shows how speeding tickets and accident claims increase Nissan Rogue insurance prices for different age groups. The prices are based on a single male driver, full physical damage coverage, $1,000 deductibles, and no discounts are factored in.

Nissan Rogue insurance costs by age and gender

The diagram below visualizes the comparison of Nissan Rogue insurance premiums for male and female drivers. The premium estimates are based on a clean driving record, no at-fault accidents, comprehensive and collision coverage, $1,000 deductibles, marital status is single, and no other discounts are factored in.

Difference between full coverage and liability only rates

The information below visualizes the comparison of Nissan Rogue premium costs when comparing full coverage to state minimum liability only. The premiums are based on no driving violations, no at-fault accidents, $1,000 deductibles, drivers are single, and no policy discounts are applied.

When to stop buying comprehensive and collision coverage

There is no clear-cut formula to drop full coverage on your policy, but there is a broad guideline. If the yearly cost of comp and collision coverage is 10% or more of the vehicle’s replacement cost less your deductible, then it could be time to drop full coverage.

For example, let’s say your Nissan Rogue book value is $6,000 and you have $1,000 policy deductibles. If your vehicle is totaled, you would only receive $5,000 after paying the physical damage deductible. If you are paying in excess of $500 a year to have full coverage, then you might want to think about dropping full coverage.

There are some situations where dropping physical damage coverage is not advised. If you haven’t satisfied your loan, you have to maintain full coverage in order to prevent your loan from defaulting. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should not buy liability only.

Discounts can help to save on Nissan Rogue insurance in Chula Vista

Some insurance providers don’t always publicize all discounts in an easy-to-find place, so we break down a few of the more common and also the more inconspicuous credits available to bring down your rates.

• Home Ownership Discount – Owning a house in Chula Vista may trigger a policy discount on insurance because owning a home shows financial diligence.
• Bundle and Save – If you insure your home and vehicles with the same insurance company you could save at least 10% off all policies.
• Active Military Service – Having an actively deployed family member can result in better prices.
• Pay Now and Pay Less – If you pay your entire premium ahead of time instead of paying each month you may have a lower total premium amount.
• College Student Discount – College-age children living away from Chula Vista attending college and do not have access to a covered vehicle could get you a discount.
• Driver’s Ed – Cut your cost by having your teen driver enroll in driver’s education in high school.
• Discount for Passive Restraints – Factory air bags or automatic seat belts may get savings of up to 25% or more.
• Waiver for an Accident – Not really a discount, but some insurance companies will turn a blind eye to one accident before hitting you with a surcharge with the catch being you have to be claim-free before the accident.
• Club Memberships – Being in qualifying clubs or civic groups is a simple method to lower premiums on insurance.

One thing to note about discounts is that most discounts do not apply to the whole policy. A few only apply to specific coverage prices like physical damage coverage or medical payments. Even though the math looks like having all the discounts means you get insurance for free, companies don’t profit that way. Any amount of discount will positively reduce your policy premium.

The example below shows the difference between Nissan Rogue auto insurance costs with and without discounts. The data assumes a female driver, no violations or accidents, California state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-policy, multi-car, homeowner, claim-free, and safe-driver discounts applied.

Some of the insurance companies that may have some of the above discounts possibly include:

• GEICO
• Auto-Owners Insurance
• American Family
• Esurance
• Progressive
• State Farm
• AAA

Before buying, ask each company or agent to apply every possible discount. All car insurance discounts might not be offered on policies in your area. To choose insurers offering insurance discounts in California, follow this link.

Cover all your bases

You just read some good ideas how you can save on Nissan Rogue insurance in Chula Vista. It’s most important to understand that the more times you quote, the more likely it is that you will get a better rate. You may even discover the lowest car insurance rates are with the least-expected company.

When searching for the cheapest Nissan Rogue rate quotes, do not reduce coverage to reduce premium. There are a lot of situations where someone sacrificed physical damage coverage only to regret at claim time that they should have had better coverage. The ultimate goal is to purchase plenty of coverage at the best possible price, but don’t skip important coverages to save money.

Insureds switch companies for a variety of reasons including policy non-renewal, delays in responding to claim requests, poor customer service or unfair underwriting practices. Whatever your reason, switching insurance companies can be pretty painless.

To learn more, take a look at the following helpful articles:

• Anti-Lock Brake FAQ (iihs.org)
• Who Has Affordable Chula Vista Auto Insurance for a Chevrolet Traverse? (FAQ)
• What Car Insurance is Cheapest for Real Estate Agents in Chula Vista? (FAQ)
• What Insurance is Cheapest for a Honda Accord in Chula Vista? (FAQ)
• Who Has the Cheapest Chula Vista Car Insurance Quotes for a Nissan Altima? (FAQ)
• Rental Reimbursement Coverage (Allstate)
• Uninsured Motorist Statistics (Insurance Information Institute)