Buying cheap auto insurance for a Nissan Rogue is pretty easy to do, but it depends on a lot of rating factors such as your gender, if you are a frequent claim filer, and driving violations and tickets. Drivers in Ohio pay approximately $608 per year to insure their Rogue, but that figure is a valuation calculated using a 50-year-old single female driver with full coverage and $500 deductibles.
There’s a good chance you’re not a 50-year-old female, possibly married instead of single, or maybe you want more liability coverage than is required by law in Ohio. This demonstrates why the way we recommend to find the most affordable coverage for your Nissan is to compare as many rates as possible. It only takes a few minutes and you can get prices from some of the cheapest companies that offer coverage in Ohio.
The trim level of your vehicle has an effect on the yearly cost, so the rate you will pay to insure a Rogue S 2WD model will be $42 less than the cost to insure the fancier Rogue SL AWD version, as shown in the table below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Rogue S 2WD||$122||$234||$290||$18||$86||$750||$63|
|Rogue S AWD||$122||$234||$290||$18||$86||$750||$63|
|Rogue SL 2WD||$122||$234||$290||$18||$86||$750||$63|
|Rogue SL AWD||$122||$276||$290||$18||$86||$792||$66|
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Data variables include single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Premium amounts do not factor in garaging location in Columbus which can raise or lower premiums noticeably.
Ratings for Columbus insurance companies
Picking a high-quality auto insurance company can be rather challenging considering how many companies are available to choose from in Ohio. The ranking data below can help you select which coverage providers to look at putting your business with.
The ratings below include major nationwide insurance companies, so smaller regional companies will not be included in these rankings. To compare price quotes from these top-rated insurers and more, click this link.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies
The chart below highlights how deductible choice can impact insurance prices when getting quotes for cheap insurance for a Nissan Rogue. The data assumes a married female driver, full physical damage coverage, and no other discounts are factored in.
The chart above illustrates that a 50-year-old driver could reduce rates by $210 a year by changing from a $100 deductible to a $500 deductible, or save $316 by using a $1,000 deductible. Youthful drivers, such as the 20-year-old example, could save $516 every year just by choosing higher deductibles.
When insureds make the decision to increase the deductibles on their policy, it’s a good idea to have additional savings on hand to be able to pay the extra out-of-pocket expense, which is the one shortcoming of high deductibles.
Full coverage rates compared to liability only
Reducing premiums for insurance is important to most drivers, and one way to find cheaper insurance for a Nissan Rogue is to only pay for liability coverage. The example below visualizes the comparison of insurance premiums when comparing full coverage to liability only. The rate quotes are based on no claims or driving violations, $100 deductibles, single marital status, and no other discounts are factored in.
As an average for all age groups, physical damage coverage on your policy costs $1,750 per year more than insuring for liability only. At some point, almost every driver questions if buying full coverage is worth the expense. There is no definitive rule of when to drop full coverage, but there is a general convention. If the annual cost of comprehensive and collision coverage is 10% or more of the replacement cost minus the deductible, then you may want to consider only buying liability coverage.
For example, let’s pretend your vehicle’s claim settlement value is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $2,000 after you pay the deductible. If premiums are more than $200 a year for your policy with full coverage, then it might be time to buy liability only.
There are some conditions where eliminating full coverage is not advised. If you haven’t paid off your loan, you have to keep full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should not remove full coverage.
Safe drivers pay less for insurance
The common sense way to find good insurance prices for a Rogue is to drive safely and maintain a clean driving record. The illustration below demonstrates how speeding tickets and at-fault claims can influence car insurance rates for different insured age categories. The information is based on a married female driver, full coverage, $250 deductibles, and no other discounts are factored in.
The data above shows the average cost of a car insurance policy in Columbus per year with a clean driving record and no accidents is $1,158. Receive two speeding tickets and the average cost hikes up to $1,641, an increase of $483 each year. Then include two accidents along with the two speeding tickets and the annual cost of insurance for a Nissan Rogue increases to an average of $3,482. That’s an increase of $2,324, or $194 per month, just for being a less-than-perfect driver!
If you aren’t sure which coverage you need and prefer to have a professional recommendation when trying to find lower insurance rates for a Rogue, the agents listed below can help you determine which coverage meets your needs best.
To find a Columbus insurance agency using an interactive map, click the button at the bottom of the list.
All Ohio Insurance Agency Inc
180 Northwoods Blvd – Columbus, OH 43235 – (614) 825-0770
Keystone Insurance Agency LLC
5640 Groveport Rd #2 – Groveport, OH 43125 – (614) 295-8816
Danny Hilton – State Farm Insurance Agent
3276 Morse Rd b – Columbus, OH 43231 – (614) 475-8808
W.E. Davis Insurance Agency
29 Frederick St – Columbus, OH 43206 – (614) 443-0533
Pfeifer-Ornstein Insurance Agency
3291 E Main St – Columbus, OH 43213 – (614) 235-7050