Buying cheap insurance for a Nissan Rogue in Texas hinges on a lot of different factors such as your birth date, what you do for a living, and driving citations. Drivers in Texas will pay around $1,077 each year for Rogue insurance, but that figure is a valuation calculated using a 40-year-old married male driver with both comprehensive and collision coverage and $250 deductibles.
When projecting a rate like this, the problem is that you are not 40 and maybe not even a male, possibly single instead of married, or maybe you live in a different area as the quoted rates. Having what appears to be a very minor change in policy rating criteria or coverages can make a large difference in the cost of insurance.
Not everyone needs the same coverages, so the way we recommend to find affordable rates for your Nissan is to do the rate comparisons yourself. Comparing quotes is easy and you will be able to see rates from some of the cheapest companies in Texas.
Your Nissan’s trim level will influence the annual cost of coverage, so the price to insure a Rogue S 2WD trim level will be $82 less expensive the cost to insure the higher-priced Rogue SL AWD trim level, as shown in the table below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Rogue S 2WD||$268||$456||$444||$26||$132||$1,326||$111|
|Rogue S AWD||$268||$456||$444||$26||$132||$1,326||$111|
|Rogue SL 2WD||$268||$456||$444||$26||$132||$1,326||$111|
|Rogue SL AWD||$268||$538||$444||$26||$132||$1,408||$117|
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Data variables include married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Rates do not factor in specific location which can modify premium rates significantly.
Choosing the right auto insurance provider is hard considering how many choices drivers have in Dallas. The company ratings shown next can help you choose which car insurance providers to look at when shopping insurance around for a Nissan Rogue.
These ratings are only comprised of insurance companies that insure vehicles in the majority of U.S. states, so companies with more of a regional focus are not factored into the list. If you’d like to compare prices from the most competitive companies in Texas, follow 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 illustration below illustrates how your deductible choice can raise or lower insurance costs when researching cheap insurance for a Nissan Rogue. The information is based on a married female driver, full coverage, and no discounts are applied.
As shown above, a 50-year-old driver could pocket $310 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $468 by using a $1,000 deductible. Even younger drivers, like the Age 20 category, could possibly save as much as $772 each year just by choosing higher deductibles.
If you do decide to increase your deductibles, it will be required to have emergency funds available to be able to pay the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.
Full coverage rates compared to liability only
Saving money on insurance should be important to most vehicle owners, and one common way to find cheaper insurance for a Nissan Rogue is to only pay for liability coverage. The chart below shows the comparison of insurance costs with full coverage compared to only the Texas minimum liability coverage. The information is based on no tickets, no at-fault accidents, $250 deductibles, single status, and no discounts are taken into consideration.
As an average for all age groups, full coverage on your policy costs an extra $2,507 per year over liability only. That is a big expense that brings up the question if paying for full coverage is worth it. There is no clear-cut rule that is best for determining when to drop full coverage on your policy, but there is a general convention. If the yearly cost of comp and collision coverage is more than 10% of the replacement cost minus the deductible, then you may need to consider dropping full coverage.
There are a few cases where only buying liability is not recommended. If you have an outstanding loan on your vehicle, you have to carry full coverage to protect the lienholder’s interest. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should keep full coverage.
How to find more affordable insurance for a Nissan Rogue
The list below details many thrifty ideas that can help Dallas drivers buy more affordable auto insurance.
- Safer vehicles generally have cheaper insurance rates
- Improve your credit score
- Higher comprehensive and collision coverage deductibles will save money
- Save money by obeying traffic laws and keeping a clean driving record
- Having at-fault accidents will increase rates
- Compare prices frequently to find the best deal
That last tip is extremely critical, as was stressed in this piece. Prices can be modified anytime, so don’t be tentative to switch to a new company if you can find a cheaper rate. Having a favorite company is fine, but it’s not a good idea if your bullheadedness ends up costing you major coinage every year. If you have a few minutes, compare rates and find cheaper car insurance for a Nissan Rogue in Dallas.