How long has it been since the last time you looked for lower-priced Nissan Rogue insurance in Dallas? Trying to find cheaper insurance for your Nissan Rogue in Texas can turn out to be difficult, but you can follow the following methods to save time. There is a right way and a wrong way to shop for car insurance and you need to know the proper way to quote coverages on a Nissan and find the lowest possible price.
Locating the best rates in Dallas is much easier if you know where to start. If you are insured now or are looking for a new policy, use these techniques to reduce premiums without sacrificing coverage. Drivers only need an understanding of the most efficient way to quote multiple rates using one simple form.
Cheap companies for Nissan Rogue insurance
The companies shown below are our best choices to provide quotes in Dallas, TX. If the list has multiple companies, it’s highly recommended you compare several of them in order to get a fair rate comparison.
Nissan Rogue coverage statistics
The coverage table displayed below covers a range of insurance costs for Nissan Rogue models. Having a better understanding of how insurance prices are formulated can help drivers make decisions when shopping around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Rogue S 2WD | $186 | $340 | $414 | $24 | $124 | $1,088 | $91 |
| Rogue S AWD | $186 | $340 | $414 | $24 | $124 | $1,088 | $91 |
| Rogue SL 2WD | $186 | $340 | $414 | $24 | $124 | $1,088 | $91 |
| Rogue SL AWD | $186 | $400 | $414 | $24 | $124 | $1,148 | $96 |
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Data variables include married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Rates do not factor in specific location information which can modify coverage rates substantially.
Raise deductibles and save
One of the hardest decisions when shopping for car insurance is how low should you set your deductibles. The data tables below can help illustrate the rate fluctuation when you select higher and lower policy deductibles. The first rate table uses a $250 deductible for physical damage and the second data table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Rogue S 2WD | $294 | $496 | $430 | $26 | $128 | $1,399 | $117 |
| Rogue S AWD | $294 | $496 | $430 | $26 | $128 | $1,399 | $117 |
| Rogue SL 2WD | $294 | $496 | $430 | $26 | $128 | $1,399 | $117 |
| Rogue SL AWD | $294 | $584 | $430 | $26 | $128 | $1,487 | $124 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Rogue S 2WD | $240 | $400 | $430 | $26 | $128 | $1,224 | $102 |
| Rogue S AWD | $240 | $400 | $430 | $26 | $128 | $1,224 | $102 |
| Rogue SL 2WD | $240 | $400 | $430 | $26 | $128 | $1,224 | $102 |
| Rogue SL AWD | $240 | $472 | $430 | $26 | $128 | $1,296 | $108 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Price information does not factor in specific Dallas garaging location which can modify prices noticeably.
Based on this data, using a $250 deductible costs an average of $15 more each month or $180 each year than quoting the higher $500 deductible. Since you would pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you go more than 17 months between claim filings, you would save money if you decide on a higher deductible. Here’s the way you can perform this determination yourself.
| Average monthly premium for $250 deductibles: | $119 |
| Average monthly premium for $500 deductibles (subtract): | – $104 |
| Monthly savings from raising deductible: | $15 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $15 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 17 months |
The diagram below shows how choosing a deductible and can affect Nissan Rogue insurance premiums for each different age category. The data is based on a single female driver, comp and collision included, and no policy discounts are applied.
Does it make sense to buy full coverage?
The example below illustrates the difference between Nissan Rogue insurance costs with full physical damage coverage and with liability coverage only. The prices are based on no driving violations, no at-fault accidents, $500 deductibles, marital status is single, and no discounts are applied.
Deciding between full coverage and liability only
There is no exact rule for phasing out physical damage insurance, but there is a guideline you can use. If the annual cost of comprehensive and collision coverage is more than 10% of the replacement cost minus the deductible, then it might be time to buy liability only.
For example, let’s say your Nissan Rogue book value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, you would only receive $6,000 after paying your policy deductible. If you are paying over $600 a year to have full coverage, the it may be a good time to stop paying for full coverage.
There are some cases where only buying liability is not a good plan. If you haven’t paid off your loan, you have to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should not buy liability only.
Affordable Nissan Rogue insurance in Dallas
Insurance is easily one of your largest bills, but you might be missing out on some discounts to cut the cost considerably. Certain discounts will be triggered automatically at the time of purchase, but some must be inquired about before being credited. If you check and find you aren’t receiving every discount available, you could be getting lower rates.
- Defensive Driving Course – Completing a class that teaches safe driver techniques could save 5% or more depending on where you live.
- Sign Online – A handful of larger companies may give you up to $50 for completing your application online.
- Federal Government Employee – Having worked for a branch of the government can earn a discount up to 10% with select insurance companies.
- Anti-lock Brake System – Cars that have anti-lock braking systems have fewer accidents so companies give up to a 10% discount.
- Include Life Insurance and Save – Some insurance companies give lower prices if you buy auto and life insurance together.
- Home Ownership Discount – Being a homeowner may earn you a small savings since owning and maintaining a home shows financial diligence.
- Military Rewards – Being deployed in the military may lower your premium rates slightly.
- College Student – Kids who live away from home at college and leave their car at home can be insured at a reduced rate.
- Accident Waiver – Not really a discount, but a few companies such as State Farm, Progressive and GEICO allow you one accident before raising your premiums if you have no claims for a specific time period.
- Buy New and Save – Buying insurance coverage on a new vehicle can cost up to 25% less because new model year vehicles keep occupants safer.
As a disclaimer on discounts, most discount credits are not given to the entire cost. A few only apply to the cost of specific coverages such as liability, collision or medical payments. If you do the math and it seems like having all the discounts means you get insurance for free, nobody gets a free ride.
The example below shows the comparison of Nissan Rogue insurance premiums with and without discounts applied to the rates. The price estimates are based on a male driver, a clean driving record, no at-fault accidents, Texas 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 homeowner, safe-driver, claim-free, marriage, multi-policy, and multi-car discounts applied.
A few popular companies and a partial list of their discounts can be found below.
- GEICO has discounts for driver training, defensive driver, membership and employees, air bags, and federal employee.
- Travelers discounts include student away at school, IntelliDrive, driver training, early quote, continuous insurance, and multi-car.
- Nationwide may have discounts that include easy pay, anti-theft, family plan, Farm Bureau membership, and multi-policy.
- Farmers Insurance has savings for alternative fuel, early shopping, electronic funds transfer, bundle discounts, and youthful driver.
- Esurance includes discounts for good student, defensive driver, homeowner, paid-in-full, and multi-policy.
- State Farm policyholders can earn discounts including driver’s education, multiple autos, anti-theft, Steer Clear safe driver discount, and defensive driving training.
- Progressive may include discounts for good student, homeowner, continuous coverage, multi-vehicle, online quote discount, and online signing.
- Mercury Insurance offers discounts for good student, accident-free, multi-policy, ease of repair, and type of vehicle.
When getting free Dallas auto insurance quotes, it’s a good idea to each company or agent how you can save money. Savings may not apply to policies in your state. If you would like to see a list of providers who offer free Nissan Rogue insurance quotes in Dallas, click here.
How You Can Control Nissan Rogue Insurance Costs
One of the most helpful ways to save on car insurance is to to have a grasp of the rating factors that play a part in calculating the price you pay for car insurance. When consumers understand what determines premiums, this enables informed choices that can earn you much lower annual insurance costs. Many things are part of the equation when premium rates are determined. Some are obvious like your driving record, but other criteria are more obscure such as your marital status or how safe your car is.
The list below includes some of the most common factors used by companies to determine your rate level.
Liability limits on your policy – The liability section of your policy is the coverage that protects you in the event that you are responsible for an accident. It provides legal defense coverage starting from day one. This coverage is very inexpensive compared to comp and collision, so drivers should make sure they buy enough to cover all assets.
Stay claim-free and save money – Companies in Texas give cheaper rates to policyholders who are not frequent claim filers. If you file claims often, you can definitely plan on either higher rates or even cancellation. Your car insurance is intended to be relied upon for claims that you cannot pay yourself.
How credit rating affects car insurance costs – Having a bad credit rating is a large factor in determining your rates. People with high credit ratings tend to be better drivers and file fewer claims as compared to drivers with poor credit scores. So if your credit rating is low, you could be paying less to insure your Nissan Rogue by improving your rating.
Getting married is a bonus – Having a spouse can actually save you money when shopping for car insurance. It translates into being less irresponsible and it’s proven that drivers who are married are more cautious.
Men tend to take more risk – The statistics show that females take fewer risks when driving. Now that doesn’t mean men are worse drivers. Women and men cause fender benders at about the same rate, but the men tend to have more serious accidents. Not only are claims higher, but men get ticketed for serious violations like DWI (DUI) or reckless driving. Youthful male drivers generally have the highest accident percentage and therefore pay the highest rates.
The diagram below illustrates the difference between Nissan Rogue premium costs for male and female drivers. The data is based on a clean driving record, no at-fault accidents, full physical damage coverage, $1,000 deductibles, drivers are not married, and no additional discounts are factored in.
Nissan Rogue insurance loss statistics – Auto insurance companies analyze past claim statistics to help set a rate to offset losses. Vehicles that have a higher amount or frequency of claims will have a higher premium rate.
The data below shows the collected loss data for Nissan Rogue vehicles. For each coverage category, the loss probability for all vehicles as a whole is a value of 100. Numbers shown that are under 100 indicate better than average losses, while numbers that are greater than 100 indicate higher probability of having a loss or an increased chance of larger losses than average.
| Vehicle 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 |
Statistics from IIHS.org for 2013-2015 Model Years
Different people need different insurance coverages
When selecting coverage, there isn’t really a single plan that fits everyone. Each situation is unique.
These are some specific questions may help highlight whether you may require specific advice.
- How do I insure my teen driver?
- What is GAP insurance?
- I don’t drive much so do I pay less?
- Is pet coverage available?
- Are there any extra discounts I can get?
- Am I covered when delivering products for my home-based business?
- Do I need higher collision deductibles?
If it’s difficult to answer those questions then you might want to talk to a licensed insurance agent. To find an agent in your area, complete this form. It is quick, free and may give you better protection.
Get rate quotes but work with a local Dallas insurance agent
A small number of people still prefer to sit down and talk to an agent and that is just fine! Professional insurance agents can make sure you are properly covered and help file insurance claims. One of the benefits of comparing rate quotes online is you may find the lowest rates and still choose a local agent.
By using this form (opens in new window), the quote information is transmitted to local insurance agents in Dallas who will give competitive quotes for your insurance coverage. It makes it easy because there is no need to find an agent because prices are sent immediately to you. If you want to quote rates from a specific company, feel free to go to their quote page to submit a rate quote request.
Choosing an company requires you to look at more than just a cheap price. Get answers to these questions too.
- Do you need full coverage on every vehicle?
- Are they full-time agents?
- Will high miles depreciate repair valuations?
- How often do they review policy coverages?
- How many companies do they write for?
- Do the coverages you’re quoting properly cover your vehicle?
- What is their Better Business Bureau rating?
When narrowing the list to find a local insurance agency, you must know there are a couple different types of agencies that you can select. Car insurance agents in Dallas can be classified as either independent or exclusive. Either one can sell car insurance policies, but it’s important to know the differences because it can factor into the selection process.
Exclusive Insurance Agencies
Agents in the exclusive channel can only provide pricing for a single company and some examples include State Farm, Allstate and AAA. These agents are not able to compare other company’s rates so it’s a take it or leave it situation. They are usually quite knowledgeable in insurance sales which helps them sell on service rather than price. Many people buy from the same agent for years primarily because of loyalty to the company and the convenience of having a single billing for all their coverages.
Shown below is a short list of exclusive insurance agents in Dallas that are able to give price quote information.
- John Hall – State Farm Insurance Agent
3110 Webb Ave #205 – Dallas, TX 75205 – (972) 807-2051 – View Map - Jon Essary – State Farm Insurance Agent
1214 W Davis St – Dallas, TX 75208 – (214) 948-6000 – View Map - Mike Baker – State Farm Insurance Agent
3400 Carlisle St Ste 470 – Dallas, TX 75204 – (214) 780-0900 – View Map
Independent Agencies or Brokers
These type of agents are not employed by one company and that gives them the ability to insure amongst many companies and find you cheaper rates. If premiums increase, they simply move the coverage in-house which requires no work on your part. When comparing rates, it’s a good idea to get some free quotes from a couple of independent agencies to ensure the widest selection of prices. Most also have access to companies you’ve never heard of which may have better rates.
Listed below is a short list of independent insurance agencies in Dallas that are able to give price quotes.
- Eves Insurance Agency
1318 Pioneer Dr – Dallas, TX 75224 – (214) 941-1300 – View Map - Associations Insurance Agency, Inc.
5401 N Central Expy Suite 200 – Dallas, TX 75205 – (866) 384-8579 – View Map - JME Insurance
5495 Belt Line Rd #333 – Dallas, TX 75254 – (972) 245-0266 – View Map
Compare. Compare. Compare.
Some car insurance companies do not offer the ability to get a quote online and most of the time these small, regional companies sell through independent agents. More affordable car insurance in Dallas is definitely available both online and with local Dallas insurance agents, and you should compare price quotes from both so you have a total pricing picture.
We just showed you quite a bit of information on how to reduce Nissan Rogue insurance premium rates online in Dallas. The key thing to remember is the more companies you get prices for, the better your comparison will be. You may even find the lowest premium rates come from a small local company.
Drivers switch companies for a number of reasons such as policy non-renewal, lack of trust in their agent, high rates after DUI convictions or an unsatisfactory settlement offer. Regardless of your reason, switching car insurance companies can be easier than you think.
Steps to finding the cheapest rates for Nissan Rogue insurance in Dallas
It takes a few minutes, but the best way to find lower priced Nissan Rogue insurance in Dallas is to compare prices at least once a year from providers that insure vehicles in Texas. You can shop around by completing these steps.
- Try to comprehend the coverage provided by your policy and the things you can change to keep rates in check. Many risk factors that result in higher rates such as accidents, traffic violations, and a less-than-favorable credit rating can be amended by being financially responsible and driving safely.
- Compare rates from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only provide price estimates from a single company like GEICO and State Farm, while agents who are independent can provide price quotes for a wide range of insurance providers.
- Compare the new rate quotes to your existing policy and determine if cheaper Rogue coverage is available in Dallas. If you can save some money, make sure coverage does not lapse between policies.
- Give proper notification to your current agent or company of your intention to cancel your current policy and submit a down payment and signed policy application for the new policy. As soon as you receive it, put the new proof of insurance certificate in a readily accessible location in your vehicle.
A good piece of advice is that you use identical coverages on each price quote and and to analyze as many companies as feasibly possible. This guarantees the most accurate price comparison and a thorough selection of prices.
To read more, take a look at the following helpful articles:
- Auto Insurance FAQ (Farmers Insurance)
- How Much are Car Insurance Quotes for Drivers Under 25 in Dallas? (FAQ)
- Who Has the Cheapest Auto Insurance for Homeowners in Dallas? (FAQ)
- What Car Insurance is Cheapest for Felons in Dallas? (FAQ)
- Who Has Affordable Dallas Car Insurance for Lyft Drivers? (FAQ)
- How Much is Dallas Auto Insurance for Teachers? (FAQ)
- Who Has Cheap Dallas Auto Insurance Quotes for a Dodge Journey? (FAQ)
- Can I Drive Legally without Insurance? (Insurance Information Institute)
- How to Avoid Common Accidents (State Farm)
- New vehicle ratings focus on headlights (Insurance Institute for Highway Safety)
- If I File a Claim will My Insurance Go Up? (Insurance Information Institute)