Cheap Rate Quotes for Nissan Rogue Insurance in Louisville

Discount Nissan Rogue insuranceIf 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.

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.

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.

Nissan Rogue Insurance Rates in Louisville, KY
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rogue S 2WD $312 $624 $498 $30 $150 $1,614 $135
Rogue S AWD $312 $624 $498 $30 $150 $1,614 $135
Rogue SL 2WD $312 $624 $498 $30 $150 $1,614 $135
Rogue SL AWD $312 $736 $498 $30 $150 $1,726 $144
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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.

Nissan Rogue insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rogue S 2WD $280 $508 $368 $22 $110 $1,313 $109
Rogue S AWD $280 $508 $368 $22 $110 $1,313 $109
Rogue SL 2WD $280 $508 $368 $22 $110 $1,313 $109
Rogue SL AWD $280 $598 $368 $22 $110 $1,403 $117
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Nissan Rogue insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rogue S 2WD $156 $268 $368 $22 $110 $924 $77
Rogue S AWD $156 $268 $368 $22 $110 $924 $77
Rogue SL 2WD $156 $268 $368 $22 $110 $924 $77
Rogue SL AWD $156 $316 $368 $22 $110 $972 $81
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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.

Calculation for raising deductibles

Average monthly premium for $100 deductibles: $111
Average monthly premium for $1,000 deductibles (subtract): – $78
Monthly savings from raising deductible: $33
Difference between deductibles ($1,000 – $100): $900
Divide difference by monthly savings: $900 / $33
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 27 months

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 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.Save money with discounts

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.

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.

4600 Outer LoopLouisville, KY 40219(502) 966-5637View Map

1802 Farnsley RdLouisville, KY 40216(502) 448-0202View Map

6801 Dixie Hwy #232Louisville, KY 40258(502) 933-2255View Map

6015 Bardstown RdLouisville, KY 40291(502) 239-4800View Map

More insurance agents

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

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.Higher deductibles save money
For instance, these questions may help you determine whether or not you might need an agent’s assistance.

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.

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