Cheap Rate Quotes for Nissan Rogue Insurance in Louisville

If saving the most money is your goal, then the best way to find better pricing on Nissan Rogue insurance is to begin comparing prices regularly from providers who sell insurance in Louisville.

• Step 1: Read and learn about how insurance works and the things you can control to lower rates. Many risk factors that result in higher rates such as high-risk driving behaviors and an unacceptable credit rating can be remedied by making minor changes to your lifestyle.
• Step 2: Compare prices from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only provide price estimates from a single company like Progressive and State Farm, while independent agents can quote rates from many different companies.
• Step 3: Compare the new quotes to your existing rates and see if you can save money. If you find a better price, verify that coverage does not lapse between policies.

An important bit of advice to remember is to compare the same physical damage deductibles and liability limits on every quote request and and to get rate quotes from every insurance company. Doing this provides an apples-to-apples comparison and many rates to choose from.

A recent survey discovered that nearly 70% of customers kept buying from the same company for well over three years, and 38% of drivers have never even compared quotes to find affordable rates. Most drivers in the U.S. could save an average of 47% each year, but they don’t understand how simple it is to shop their coverage around.

Learn How to Lower Your Insurance Prices

Part of the car insurance buying process is learning some of the things that aid in calculating the rates you pay for car insurance. If you have some idea of what determines premiums, this enables you to make decisions that may result in lower car insurance prices.

• Lower rates for being claim-free – Insurance companies in Kentucky give discounts to drivers who are not frequent claim filers. If you’re an insured who likes to file claims you can expect higher premiums or even policy non-renewal. Insurance coverage is intended for more catastrophic claims.
• Bundle policies and save – Lots of companies provide better rates to policyholders that purchase more than one policy in the form of a multi-policy discount. Even with this discount, it’s in your best interest to get quotes from other companies to guarantee you are still saving the most.
• If you don’t need it don’t buy it – There are a lot of additional extra coverages that can waste your money if you aren’t careful. Things like roadside assistance, towing, and motor club memberships are some examples. These may sound like a good investment initially, but if you have no use for them think about removing them and cutting costs.
• Rates can change based on your address – Being located in a small town is a good thing when talking about car insurance. People who live in big cities have more auto accidents and much longer commute distances. Fewer drivers and short commutes means reduced accidents.

• Guys tend to take more risk – Statistics have proven that women are safer drivers than men. However, don’t assume that females are better drivers. They both cause auto accidents at a similar rate, but the men tend to have higher claims. Men also tend to get higher numbers of serious violations like DUI and reckless driving. Youthful male drivers tend to get in the most accidents and are penalized with high car insurance rates.

  The diagram below shows the difference between Nissan Rogue annual premium costs for male and female drivers. The premiums are based on no claims or driving violations, comprehensive and collision coverage, $1,000 deductibles, single marital status, and no additional discounts are factored in.

• Drive less and pay lower prices – The higher the miles on your Nissan in a year’s time the higher the price you pay to insure it. Many insurance companies apply a rate determined by how the vehicle is used. Cars and trucks that are left in the garage receive lower rates than those used for commuting. Improper usage on your Rogue can result in significantly higher rates. It’s a good idea to make sure your policy is showing the correct driver usage, because improper ratings can cost you money.

• Insurance loss data for Nissan Rogue vehicles – Insurers use past insurance losses when they calculate premium costs for each model. Vehicles that historically have higher number or severity of losses will have higher premium rates. The table below demonstrates the insurance loss data for Nissan Rogue vehicles.

  For each coverage type, the claim amount for all vehicles, regardless of make or model, equals 100. Values that are 100 or less imply a favorable loss record, while numbers shown that are more than 100 point to more frequent losses or an increased likelihood of larger losses.

  
  

  Insurance Loss Ratings for Nissan Rogue Vehicles

  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: Insurance Institute for Highway Safety for 2013-2015 Model Years

Cheap Louisville Nissan Rogue insurance quotes

The providers in the list below provide free rate quotes in Kentucky. If your goal is to find cheap car insurance in Louisville, we recommend you get rates from several of them to find the most affordable auto insurance rates.

Nissan Rogue insurance analysis

The rate information displayed next covers a range of rate quotes for Nissan Rogue models. Having a better understanding of how policy rates are formulated helps drivers make informed coverage decisions.

Data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Kentucky minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Rates do not factor in vehicle garaging location which can change coverage prices significantly.

Can higher deductibles save money?

One common question asked by Louisville drivers is which comprehensive and collision deductibles to buy. The figures shown below sum up the differences in price between high and low deductibles. The first set of rates uses a $100 physical damage coverage deductible and the second price grid uses a $1,000 deductible.

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Kentucky minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Table data does not factor in specific zip code location which can change premium rates substantially.

Based on this data, using a $100 deductible costs about $33 more each month or $396 for a full year than selecting the higher $1,000 deductible. Since you would have to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you normally average at least 27 months between claim filings, you would probably come out ahead by going with a higher deductible.

One thing to note is that higher deductibles means you pay more out-of-pocket if you have a claim. You should have enough money stashed away in order to pay the higher deductible in order to repair your vehicle.

Best reasons to buy auto insurance in Kentucky

Even though it’s not necessarily cheap to insure a Nissan in Louisville, paying for auto insurance is required by state law in Kentucky and it also provides benefits you may not be aware of.

• The majority of states have minimum mandated liability insurance limits which means you are required to buy a specific level of liability insurance coverage if you drive a vehicle. In Kentucky these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
• If your Rogue has a loan, it’s guaranteed your bank will have a requirement that you have insurance to protect their interest in the vehicle. If you do not pay your insurance premiums, the bank will be required to insure your Nissan for a lot more money and force you to reimburse them the higher premium.
• Insurance protects your vehicle and your assets. Insurance will pay for all forms of medical expenses incurred in an accident. As part of your policy, liability insurance also covers legal expenses in the event you are sued. If your Nissan gets damaged, your policy will pay to have it repaired.

The benefits of having insurance greatly outweigh the cost, especially with large liability claims. As of last year, the average driver in Kentucky is overpaying more than $750 every year so compare rate quotes each time the policy renews to save money.

Lower rates by qualifying for discounts

Insuring your vehicles can cost a lot, but you might be missing out on some discounts that you may not even know about. Most are applied when you get a quote, but some must be specially asked for before they will apply.

• Data Collection Discounts – Insureds that choose to allow driving data collection to study where and when they drive by using a telematics device such as Progressive’s Snapshot and State Farm’s In-Drive could save a few bucks if they show good driving skills.
• E-sign – Some of the larger companies provide a small discount for buying a policy and signing up over the internet.
• Service Members Pay Less – Having an actively deployed family member can result in better prices.
• Discount for Good Grades – Being a good student can get you a discount of up to 25%. The good student discount can last up until you turn 25.
• Driver Training Discounts – Taking time to complete a safe driver course could earn you a small percentage discount and make you a better driver.
• College Student – Youth drivers who live away from home to go to college and do not take a car to college could qualify for this discount.
• More Vehicles More Savings – Buying a policy with multiple cars or trucks with the same insurance company could earn a price break for each car.
• Air Bags and Passive Restraints – Options like air bags may earn rate discounts of more than 20%.

Remember that most credits do not apply to the overall cost of the policy. Most only apply to the price of certain insurance coverages like comprehensive or collision. Just because you may think adding up those discounts means a free policy, companies don’t profit that way.

The information below shows the difference between Nissan Rogue insurance prices with and without discounts applied to the premium. The rate quotes are based on a female driver, no claims or driving citations, Kentucky state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, claim-free, multi-policy, marriage, homeowner, and safe-driver discounts applied.

Popular insurance companies and some of their more popular discounts are detailed below.

• 21st Century may offer discounts for early bird, anti-lock brakes, good student, teen driver, air bags, and automatic seat belts.
• Progressive has discounts for online quote discount, homeowner, online signing, good student, and multi-policy.
• State Farm policyholders can earn discounts including Steer Clear safe driver discount, student away at school, passive restraint, good student, good driver, multiple autos, and multiple policy.
• Nationwide has savings for Farm Bureau membership, family plan, accident-free, multi-policy, and business or organization.
• Esurance discounts include online quote, good student, online shopper, multi-car, anti-lock brakes, defensive driver, and homeowner.
• The Hartford may have discounts that include driver training, defensive driver, air bag, vehicle fuel type, good student, and bundle.

It’s a good idea to ask every prospective company which discounts you qualify for. Some discounts may not apply to policyholders in Louisville.

Compare rates but buy from a local Louisville insurance agent

Many drivers would rather sit down with an agent and that is not a bad decision Agents are trained risk managers and give you someone to call. An additional benefit of price shopping on the web is you may find better rates but also keep your business local. And supporting local insurance agencies is definitely important in Louisville.

After filling out this quick form, the coverage information is transmitted to insurance agents in Louisville who will gladly provide quotes for your business. There is no need to drive around since price quotes are sent instantly to you. If you want to compare rates from a specific company, you just need to search and find their rate quote page and give them your coverage information.

Listed below are Louisville car insurance companies that are able to give price quotes for Nissan Rogue insurance in Louisville.

More insurance agents

Deciding on an company should depend on more than just the premium amount. The answers to these questions are important, too.

• Will the agent help in case of a claim?
• Do they feel the quoted coverages are adequate?
• Who is covered by the car insurance policy?
• How much experience to they have in personal lines coverages?
• Which companies can they place coverage with?
• Do they have 24-hour customer assistance?
• How often do they review coverages?
• Do they offer rental car reimbursement?

Tailor your auto insurance coverage to you

When it comes to buying adequate coverage for your personal vehicles, there really isn’t a one size fits all plan. You are unique so your insurance needs to address that.
For instance, these questions may help you determine whether or not you might need an agent’s assistance.

• Is my trailer covered?
• Why am I be forced to buy a membership to get insurance from some companies?
• Do I need to call my car insurance company before buying a new car?
• Does my policy pay for OEM or aftermarket parts?
• Does my policy cover me when driving someone else’s vehicle?
• Can good grades get a discount?
• Should I carry comprehensive and collision coverage?
• Can I still get insurance after a DUI?
• Is my nanny covered when driving my vehicle?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier It is quick, free and you can get the answers you need.

Keep this in mind when shopping around

As you go through the steps to switch your coverage, it’s very important that you do not sacrifice coverage to reduce premiums. There are too many instances where an insured dropped full coverage only to find out that a couple dollars of savings turned into a financial nightmare. Your strategy should be to buy the best coverage you can find at the best cost while not skimping on critical coverages.

Affordable Nissan Rogue insurance in Louisville is definitely available from both online companies in addition to many Louisville insurance agents, so you should compare both so you have a total pricing picture. Some companies may not offer rates over the internet and usually these smaller companies provide coverage only through independent agents.

Additional detailed information can be read in these articles:

• Rental Car Insurance Tips (Insurance Information Institute)
• Who Has the Cheapest Car Insurance Quotes for College Graduates in Louisville? (FAQ)
• What Car Insurance is Cheapest for Uninsured Drivers in Louisville? (FAQ)
• Who Has Affordable Louisville Car Insurance for Uber Drivers? (FAQ)
• Who Has Cheap Auto Insurance for a Nissan Altima in Louisville? (FAQ)
• What is Covered by GAP Insurance? (Allstate)
• Tread Depth and Tire Safety (State Farm)
• A Tree Fell on Your Car: Now What? (Allstate)
• Side airbags reduce rollover fatalities (Insurance Institute for Highway Safety)