Compare Nissan Rogue Insurance Quotes in Jacksonville

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Insurance for Nissan RogueThe easiest way to get budget car insurance rates is to compare prices regularly from insurers in Jacksonville. Rates can be compared by following these steps.

First, try to comprehend what coverages are included in your policy and the measures you can take to lower rates. Many rating factors that cause high rates such as tickets, at-fault accidents, and poor credit history can be remedied by making small lifestyle or driving habit changes. Read the full article for ideas to get cheaper coverage and find more discounts that you may not know about.

Second, obtain price quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only give prices from one company like GEICO or Farmers Insurance, while independent agents can give you price quotes for a wide range of insurance providers. View insurance agents

Third, compare the price quotes to the price on your current policy to see if a cheaper price is available. If you find a lower rate quote and decide to switch, verify that coverage does not lapse between policies.

Fourth, provide notification to your current agent or company of your intent to cancel your existing policy and submit the completed application along with a down payment to your new carrier. When you receive it, place the new proof of insurance paperwork above your visor, in the console, or in the glove compartment.

One key aspect of rate comparisons is that you'll want to compare similar deductibles and liability limits on every price quote and and to analyze as many carriers as you can. This enables a level playing field and a complete selection of prices.

Anyone knows that insurance companies don't want policyholders to compare prices from other companies. People who do rate comparisons are very likely to switch companies because there is a good chance of getting low-cost coverage. A survey found that consumers who shopped around every year saved $3,400 over four years compared to those who never shopped around.

If finding the most affordable insurance is your ultimate objective, knowing the best way to shop and compare car insurance can help you succeed in finding affordable rates.

The following companies are ready to provide free quotes in Jacksonville, FL. If several companies are displayed, we suggest you visit several of them to get a more complete price comparison.

Discounts for affordable insurance quotes

Insurance can cost an arm and a leg, but you can get discounts that can help lower your rates. Some discounts apply automatically at the time of purchase, but occasionally some discounts must be inquired about before being credited. If you are not receiving all the discounts possible, you're just leaving money on the table.Save money with discounts

  • Bundled Policy Discount - If you have multiple policies and place coverage with the same company you will save approximately 10% to 15%.
  • College Student - Any of your kids who are enrolled in a college that is more than 100 miles from Jacksonville and leave their car at home could get you a discount.
  • Discount for Good Grades - Maintaining excellent grades could provide a savings of up to 20% or more. The discount lasts well after school through age 25.
  • Driver Safety - Taking a driver safety class can save you 5% or more depending on where you live.
  • Buy New and Save - Insuring a new Rogue is cheaper because new vehicles are generally safer.
  • Accident Forgiveness - Not a discount per se, but companies like GEICO, Progressive, and Allstate will turn a blind eye to one accident before your rates go up if you have no claims for a set time period.
  • Organization Discounts - Being a member of a professional or civic organization could earn you a nice discount on your policy.
  • No Claim Discounts - Claim-free drivers pay much less when compared with policyholders that have many claims.

While discounts sound great, it's important to understand that some credits don't apply to the whole policy. Most only cut specific coverage prices like liability and collision coverage. So even though it sounds like adding up those discounts means a free policy, you're out of luck. But all discounts will reduce your policy premium.

The chart below compares Nissan Rogue car insurance rates with and without discounts applied. The information is based on a female driver, no violations or accidents, Florida state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, claim-free, multi-policy, marriage, and homeowner discounts applied.

To see a list of insurers with the best Nissan Rogue insurance discounts in Jacksonville in Florida, click this link.

Premium rates and analysis

The data table below covers different insurance rates for Nissan Rogue models. Learning more about how insurance policy rates are calculated can help customers make smart buying decisions.

Nissan Rogue Insurance Rates in Jacksonville, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rogue S 2WD $172 $352 $532 $32 $160 $1,248 $104
Rogue S AWD $172 $352 $532 $32 $160 $1,248 $104
Rogue SL 2WD $172 $352 $532 $32 $160 $1,248 $104
Rogue SL AWD $172 $414 $532 $32 $160 $1,310 $109
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Data variables include single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Rate quotes do not factor in vehicle location which can alter auto insurance rates substantially.

Policy deductibles

One of the more difficult decisions when buying car insurance is how high should your deductibles be. The data tables below outline the costs and benefits when you buy lower versus higher insurance deductibles. The first set of prices uses a $250 physical damage deductible and the second set of rates uses a $1,000 deductible.

Nissan Rogue insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rogue S 2WD $322 $544 $472 $28 $142 $1,533 $128
Rogue S AWD $322 $544 $472 $28 $142 $1,533 $128
Rogue SL 2WD $322 $544 $472 $28 $142 $1,533 $128
Rogue SL AWD $322 $640 $472 $28 $142 $1,629 $136
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Nissan Rogue insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rogue S 2WD $200 $342 $472 $28 $142 $1,184 $99
Rogue S AWD $200 $342 $472 $28 $142 $1,184 $99
Rogue SL 2WD $200 $342 $472 $28 $142 $1,184 $99
Rogue SL AWD $200 $402 $472 $28 $142 $1,244 $104
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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Premium costs do not factor in vehicle garaging location which can impact premium rates considerably.

Using the data above, we can ascertain that using a $250 deductible costs an average of $30 more each month or $360 a year than choosing the higher $1,000 deductible. Since you would have to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you have at a minimum 25 months between claims, you would come out ahead if you choose the higher deductible.

How to determine when to raise your deductibles

Average monthly premium for $250 deductibles: $130
Average monthly premium for $1,000 deductibles (subtract): - $100
Monthly savings from raising deductible: $30
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $30
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 25 months

One important note is that higher deductibles means you will have to pay more out-of-pocket when you have a physical damage claim. You need to have enough disposable savings in order to pay the higher deductible.

The example below shows how choosing a deductible and can influence Nissan Rogue annual premium costs for different age groups. The data is based on a married male driver, full physical damage coverage, and no discounts are applied to the premium.

Irresponsible driving raises your rates

The example below demonstrates how traffic citations and accidents drive up Nissan Rogue annual premium costs for different age groups of insureds. Data assumes a single female driver, full coverage, $1,000 deductibles, and no other discounts are factored in.

Difference between full coverage and liability only rates

The chart below illustrates the comparison of Nissan Rogue car insurance rates with full coverage compared to only the Florida minimum liability coverage. The rates are based on no claims or driving citations, $250 deductibles, drivers are not married, and no discounts are factored in.

When to drop comprehensive and collision coverage

There is no definitive formula for phasing out physical damage coverage, but there is a general school of thought. If the yearly cost of full coverage is 10% or more of the settlement you would receive from your company, then you might want to think about dropping full coverage.

For example, let's say your Nissan Rogue claim settlement value is $4,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $3,000 after the policy deductible has been paid. If you are paying over $300 annually for your policy with full coverage, then you may want to consider only buying liability coverage.

There are some scenarios where only buying liability is not advised. If you haven't satisfied your loan, you must maintain physical damage coverage to protect the lienholder's interest in the vehicle. Also, if you can't afford to buy a different vehicle in case of an accident, you should not consider dropping full coverage.

Smart Consumers Can Lower Insurance Rates

Consumers need to have an understanding of the different types of things that come into play when calculating the rates you pay for insurance. If you have some idea of what influences your rates, this allows you to make good choices that will entitle you to better insurance rates.

Listed below are a few of the "ingredients" used by your company to calculate prices.

Driver age impacts rates - Young drivers in Florida are proven to get distracted easily when driving so they pay higher insurance rates. Adding a teenage driver to your insurance policy can be quite pricey. Older, more experienced drivers are proven to be safer behind the wheel, tend to file fewer claims, and get fewer tickets.

The data below uses these variables: single driver, full coverage with $500 deductibles, and no discounts or violations.

Does auto insurance cost less for gals? - The statistics show females are less aggressive when driving. However, don't assume that females are better drivers. Both genders cause at-fault accidents at a similar rate, but males cause more damage. In addition to higher claims, males also get more serious tickets like driving under the influence (DUI). Young males are the most expensive to insure and therefore have the most expensive insurance rates.

The chart below illustrates the difference between Nissan Rogue insurance costs for male and female drivers. The premiums are based on no violations or accidents, full physical damage coverage, $100 deductibles, drivers are single, and no discounts are applied to the premium.

City dwellers may pay more - Having an address in smaller towns and rural areas of the country has definite advantages if you are looking for the lowest rates. People who live in big cities have more auto accidents and higher rates of accident claims. Less people living in that area translates into fewer accidents.

Single vs. married - Being married may cut your premiums compared to being single. Marriage means you're more mature and insurance companies like that being married results in fewer claims.

Always keep your insurance in force - Having an insurance coverage lapse will be a sure-fire way to bump up your insurance costs. And not only will your rates increase, getting caught without coverage may earn you a revoked license or a big fine.

Nissan Rogue insurance claim data - Insurers factor in insurance loss information to calculate a price that offsets possible losses. Models that the data determines to have higher claim amounts or frequency will have higher premium rates. The table below outlines the insurance loss data for Nissan Rogue vehicles.

For each policy coverage type, the statistical loss for all vehicles as a whole is considered to be 100. Numbers that are below 100 indicate a favorable loss history, while percentages above 100 show a trend for more claims or an increased likelihood of larger losses.

Nissan Rogue Insurance Loss Statistics
Specific Nissan 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
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Statistics from IIHS.org for 2013-2015 Model Years