Affordable Quotes for Nissan Rogue Insurance in Columbus

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Locating low-cost insurance for a new or used Nissan Rogue in Ohio could be an all-consuming task, but you can follow our auto insurance buying tips to make it easier. There is a right way and a wrong way to find auto insurance online so you're going to learn the quickest way to compare rates for your Nissan and locate the lowest possible price.

Insurance quote for Nissan Rogue in ColumbusIt's hard to fathom, but a large majority of drivers have remained with the same auto insurance company for four years or more, and approximately 40% of consumers have never shopped around. Ohio drivers could save themselves nearly 55% a year by just shopping around, but most just don't grasp the big savings they would realize if they swap their current policy for a cheaper one.

You should take the time to quote other rates every six months because insurance prices are usually higher with each renewal. Even if you got the lowest quotes on Nissan Rogue insurance in Columbus last year you will most likely find a better rate today. Forget all the misinformation about auto insurance because you're going to get a crash course in the best way to remove unneeded coverages and save money.

Lower Your Columbus Insurance Costs

Consumers need to have an understanding of some of the things that go into determining the level of your policy premiums. If you know what controls the rates you pay, this enables you to make decisions that may reward you with big savings. Lots of factors are used in the calculation when you get your auto insurance bill. A few of the factors are predictable like an MVR report, but other criteria are more obscure like your continuous coverage or how financially stable you are.

Bundle policies and save - Some car insurance companies provide a discount to policyholders that have more than one policy. It's known as a multi-policy discount. Even if you're getting this discount consumers should still get quotes from other companies to verify if the discount is saving money.

Get better costs if you're married - Getting married actually saves money on your car insurance policy. Marriage generally demonstrates drivers are more financially stable and insurance companies like that married drivers get in fewer accidents.

Prevent coverage lapses - Driving any period of time without insurance is against the law and car insurance companies will penalize you for letting your insurance lapse. In addition to paying higher premiums, failure to provide proof of insurance could earn you fines and jail time.

Bad credit hurts insurance rates - Having a good credit score can be an important factor in determining premium rates. Therefore, if your credit history can be improved, you may save money insuring your Nissan Rogue by spending a little time repairing your credit. People with high credit ratings tend to be more responsible and file fewer claims than drivers with poor credit scores.

Insurance loss data for a Nissan Rogue - Car insurance companies factor in insurance loss information to determine a price that will be profitable for them. Vehicles that the data determines to have increased losses will have higher rates.

The data below shows the actual insurance loss data for Nissan Rogue vehicles. For each coverage category, the statistical loss for all vehicles, without regard to make or model, is considered to be 100. Percentage numbers below 100 suggest a better than average loss history, while values over 100 point to more losses or tendency to have larger claims.

Car Insurance Loss Data for Nissan Rogue Models
Vehicle 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

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

First Step: Get free Nissan Rogue insurance quotes

Getting more affordable Nissan Rogue auto insurance pricing is a great way to save money. The only requirement is to take time comparing rates from different insurance companies.

The companies shown below are our best choices to provide price comparisons in Columbus, OH. If multiple companies are listed, it's a good idea that you get price quotes from several of them in order to find the cheapest rates.

Nissan Rogue coverage statistics

The coverage information shown below outlines different insurance prices for Nissan Rogue models. Being aware of how premiums are determined can assist in making informed coverage decisions.

Nissan Rogue Insurance Rates in Columbus, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rogue S 2WD $162 $238 $336 $20 $100 $856 $71
Rogue S AWD $162 $238 $336 $20 $100 $856 $71
Rogue SL 2WD $162 $238 $336 $20 $100 $856 $71
Rogue SL AWD $162 $280 $336 $20 $100 $898 $75
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Prices above based on single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Premium amounts do not factor in specific location which can decrease or increase insurance rates noticeably.

How high should deductibles be?

One frequently asked question is which comprehensive and collision deductibles to buy. The comparison tables below illustrate how much more rates are when you select higher and lower deductibles. The first rate comparisons uses a $100 physical damage coverage deductible and the second price chart uses a $500 deductible.

Nissan Rogue insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rogue S 2WD $196 $352 $256 $16 $76 $921 $77
Rogue S AWD $196 $352 $256 $16 $76 $921 $77
Rogue SL 2WD $196 $352 $256 $16 $76 $921 $77
Rogue SL AWD $196 $416 $256 $16 $76 $985 $82
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Nissan Rogue insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rogue S 2WD $142 $238 $256 $16 $76 $728 $61
Rogue S AWD $142 $238 $256 $16 $76 $728 $61
Rogue SL 2WD $142 $238 $256 $16 $76 $728 $61
Rogue SL AWD $142 $280 $256 $16 $76 $770 $64
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Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Price estimates do not factor in specific location which can affect coverage rates greatly.

Using the premium rates above, we can conclude that using a $100 deductible costs roughly $16 more each month or $192 a year across all Nissan Rogue models than requesting the higher $500 deductible. Because you would pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you tend to have more than 25 months between claim filings, you would probably come out ahead if you choose the higher deductible. Here's the way you can perform this determination yourself.

Average monthly premium for $100 deductibles: $78
Average monthly premium for $500 deductibles (subtract): - $62
Monthly savings from raising deductible: $16
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $16
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 25 months

An important sidenote is that raising deductibles results in having to pay to pay more out-of-pocket when you have to file a claim. You must have enough money put aside in the event you need to pay the deductible for vehicle repair.

Safe drivers pay cheaper rates

The chart below illustrates how speeding tickets and accidents drive up Nissan Rogue insurance premiums for different ages of insureds. The premiums are based on a married male driver, full physical damage coverage, $250 deductibles, and no discounts are taken into consideration.

Cost difference between full coverage and liability

The information below compares Nissan Rogue car insurance rates when comparing full coverage to liability only. The premiums are based on no driving violations, no at-fault accidents, $100 deductibles, drivers are not married, and no discounts are applied to the premium.

When to stop buying physical damage coverage

There is no exact formula for excluding comprehensive and collision coverage on your policy, but there is a general guideline you can use. If the yearly cost of comp and collision coverage is more than about 10% of the vehicle's replacement cost less your deductible, the it may be a good time to stop paying for full coverage.

For example, let's assume your Nissan Rogue settlement value is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most you would receive is $7,000 after paying your policy deductible. If it's costing in excess of $700 a year for full coverage, then you may need to consider dropping full coverage.

There are some circumstances where removing full coverage is not in your best interest. If you haven't satisfied your loan, you are required to maintain full coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should keep full coverage in place.

Why do I need car insurance?

Despite the high insurance cost for a Nissan Rogue in Columbus, auto insurance serves an important purpose.

  • The majority of states have minimum mandated liability insurance limits which means you are required to buy a minimum amount of liability protection in order to be legal. In Ohio these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
  • If your Nissan Rogue has a loan, most lenders will force you to have full coverage to guarantee payment of the loan. If you cancel or allow the policy to lapse, the lender may have to buy a policy to insure your Nissan for a lot more money and require you to pay for the much more expensive policy.
  • Auto insurance protects your vehicle and your assets. Insurance will also pay for many types of medical costs that are the result of an accident. As part of your policy, liability insurance also pays for attorney fees and expenses if you are sued as the result of an accident. If damage is caused by hail or an accident, comprehensive and collision coverage will pay all costs to repair after the deductible has been paid.

The benefits of insuring your Rogue are definitely more than the cost, especially for larger claims. In a recent study of 1,000 drivers, the average customer overpays as much as $850 per year so we recommend shopping around at every policy renewal to ensure rates are inline.

These discounts can lower your auto insurance rates

Auto insurance companies do not advertise all their discounts in a way that's easy to find, so the list below contains some of the best known and also the lesser-known auto insurance savings.Auto insurance discounts

  • Professional Memberships - Participating in a qualifying organization could earn you a nice discount when getting a Columbus car insurance quote.
  • College Student - Older children who live away from home to go to college without a vehicle on campus may qualify for this discount.
  • Renewal Discounts - A few auto insurance companies give discounts for buying a policy prior to your current Rogue insurance policy expiration. This discount can save up to 10%.
  • Discounts for Government Workers - Being employed by or retired from a federal job can earn a discount up to 10% with a few auto insurance companies.
  • Payment Discounts - If you pay your bill all at once instead of making monthly payments you can actually save on your bill.
  • First Accident Forgiveness - Not really a discount, but some insurance companies may permit one accident without the usual rate increase as long as you don't have any claims prior to being involved in the accident.

A quick disclaimer, some credits don't apply to the entire policy premium. Some only reduce the cost of specific coverages such as comp or med pay. If you do the math and it seems like all the discounts add up to a free policy, you're out of luck.

The illustration below visualizes the comparison of Nissan Rogue insurance costs with and without discounts. Data assumes a male driver, a clean driving record, no claims, Ohio 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 safe-driver, homeowner, marriage, multi-car, multi-policy, and claim-free discounts applied.

Large auto insurance companies and some of the discounts are outlined below.

  • Progressive discounts include multi-policy, multi-vehicle, online signing, continuous coverage, and homeowner.
  • GEICO has savings for membership and employees, daytime running lights, federal employee, military active duty, and emergency military deployment.
  • State Farm includes discounts for Drive Safe & Save, student away at school, good driver, accident-free, and defensive driving training.
  • Esurance offers discounts including good student, anti-theft, online shopper, Switch & Save, and safety device.
  • The Hartford may include discounts for driver training, good student, vehicle fuel type, defensive driver, anti-theft, air bag, and bundle.

When getting a coverage quote, ask every prospective company the best way to save money. Some discounts may not apply to policyholders in your area.

Don't I need to talk to an insurance agent?

A small number of people still like to sit down with an agent. Insurance agents can help determine the best coverages and help submit paperwork. A nice benefit of comparing car insurance online is that you can obtain the lowest rates but still work with a licensed agent.

Insurance agents in ColumbusTo help locate an agent, after submitting this short form, your insurance coverage information is submitted to local insurance agents who can give free rate quotes for your business. You don't have to leave your house as quotes are delivered to your email. If you need to compare prices for a specific company, you would need to navigate to their website and fill out their quote form.

Choosing a insurer shouldn't rely on just a cheap price quote. Some important questions to ask are:

  • Can you use your own choice of collision repair facility?
  • Do they get extra compensation for selling add-on coverages?
  • Are they actively involved in the community?
  • Are there any discounts that you might be missing?
  • Do they regularly work with personal auto policies in Columbus?

Below is a short list of car insurance companies in Columbus willing to provide price quotes for Nissan Rogue insurance in Columbus.

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How much auto insurance do I need?

Always keep in mind that when comparing the right insurance coverage for your vehicles, there really is no one-size-fits-all type of policy. Everyone's situation is a little different and a cookie cutter policy won't apply.Safe vehicles cost less to insure For example, these questions might help in determining if your insurance needs could use an agent's help.

  • Is my cargo covered for damage or theft?
  • How much liability do I need to cover my assets?
  • Am I covered when driving someone else's vehicle?
  • I have health insurance so do I need medical payments coverage?
  • Do I have coverage when making deliveries for my home business?
  • Is my custom paint covered by insurance?
  • How can I find cheaper teen driver insurance?
  • Which companies will insure high-risk drivers?
  • Who sells insurance for high-risk drivers?

If you don't know the answers to these questions, you might consider talking to a licensed agent. If you don't have a local agent, take a second and complete this form or you can also visit this page to select a carrier It's fast, doesn't cost anything and may give you better protection.

Quote often and quote early

Discount Nissan Rogue insurance in Columbus can be purchased both online in addition to many Columbus insurance agents, and you need to price shop both in order to have the best price selection to choose from. Some insurance companies may not have internet price quotes and these smaller companies provide coverage only through independent insurance agents.

You just learned quite a bit of information on how to save on Nissan Rogue insurance in Columbus. It's most important to understand that the more companies you get rates for, the better your comparison will be. You may even be surprised to find that the biggest savings come from a small mutual company. Smaller companies may only write in your state and offer lower rates compared to the large companies like Progressive and GEICO.

How to find low-cost rates for Nissan Rogue insurance in Columbus

It takes a few minutes, but the best way to get affordable Nissan Rogue insurance in Columbus is to begin comparing prices regularly from insurers in Ohio. Rate comparisons can be done by following these guidelines.

First, it will benefit you to learn about what coverages are included in your policy and the measures you can take to keep rates in check. Many policy risk factors that increase rates like speeding and a poor credit score can be rectified by being financially responsible and driving safely.

Second, quote rates from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only quote rates from a single company like GEICO or Farmers Insurance, while independent agencies can quote prices from multiple sources.

Third, compare the new rate quotes to the premium of your current policy to see if cheaper Rogue coverage is available. If you find better rates and change companies, make sure coverage is continuous and does not lapse.

Fourth, notify your company or agent of your decision to cancel your current policy and submit a down payment along with a completed application to your new carrier. Immediately upon receiving it, put the certificate verifying coverage in your glove compartment.

The key thing to know about shopping around is to use the same physical damage deductibles and liability limits on each quote and and to get prices from as many different insurance providers as possible. Doing this enables a fair rate comparison and the best price selection.

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