Affordable Insurance for a Nissan Rogue in Riverside

Shockingly, a large majority of insurance policyholders have been with the same company for more than four years, and nearly half have never compared rate quotes at all. With the average insurance premium being $1,400, California drivers could save $470 every year, but they don’t invest the time required to compare rates.

Insurance for Nissan RogueThe recommended way to get budget Nissan Rogue insurance is to make a habit of regularly comparing prices from insurance carriers who sell auto insurance in Riverside. Rate comparisons can be done by completing these steps.

  1. Spend some time learning about how companies set rates and the measures you can control to keep rates in check. Many policy risk factors that are responsible for high rates such as at-fault accidents, careless driving, and a negative credit rating can be eliminated by making lifestyle changes or driving safer.
  2. Compare price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only give prices from one company like Progressive or State Farm, while independent agencies can provide rate quotes from multiple companies.
  3. Compare the price quotes to your current policy and determine if cheaper Rogue coverage is available in Riverside. If you find a lower rate, make sure coverage does not lapse between policies.
  4. Provide written notification to your current company to cancel your current coverage. Submit payment along with a signed and completed policy application to your new agent or company. Make sure you put the certificate verifying proof of insurance with your registration paperwork.

An important note is to try to compare the same liability limits and deductibles on each quote and and to get rates from as many companies as feasibly possible. This guarantees the most accurate price comparison and the best price quote selection.

All the larger insurance companies such as Allstate and Progressive allow you to get pricing directly from their websites. Comparing Nissan Rogue insurance rates online is fairly straightforward as you just type in your coverage preferences into the quote form. After the form is submitted, the system pulls reports for credit and driving violations and gives you a price quote determined by many factors.

Getting online rate quotes for Nissan Rogue insurance in Riverside makes it easy to compare insurance prices and it’s very important to compare as many rates as possible in order to find affordable insurance pricing.

In order to find out how much you’re overpaying now, compare rates from the companies below. To compare your current rates, we recommend you duplicate the limits and deductibles identical to your current policy. Doing this assures you will have a rate comparison for similar insurance coverage.

The following companies can provide free rate quotes in California. If multiple companies are shown, we suggest you visit two to three different companies to find the lowest auto insurance rates.

Data for Nissan Rogue insurance

The rate table shown next outlines detailed analysis of coverage costs for Nissan Rogue models. Having a good understanding how insurance quotes are established can benefit drivers when making informed purchases.


Nissan Rogue Insurance Rates in Riverside, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rogue S 2WD $422 $844 $674 $40 $202 $2,182 $182
Rogue S AWD $422 $844 $674 $40 $202 $2,182 $182
Rogue SL 2WD $422 $844 $674 $40 $202 $2,182 $182
Rogue SL AWD $422 $996 $674 $40 $202 $2,334 $195
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Cost estimates assume single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Prices do not factor in your specific Riverside location which can change rates noticeably.

Comparison of policy deductibles

One common question asked by Riverside drivers is where should you set your physical damage deductibles. The rates below can help illustrate the rate differences between high and low deductibles. The first price estimate table uses a $250 comprehensive and collision deductible and the second set of rates uses a $1,000 deductible.


Nissan Rogue insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rogue S 2WD $342 $576 $500 $30 $150 $1,623 $135
Rogue S AWD $342 $576 $500 $30 $150 $1,623 $135
Rogue SL 2WD $342 $576 $500 $30 $150 $1,623 $135
Rogue SL AWD $342 $678 $500 $30 $150 $1,725 $144
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Nissan Rogue insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rogue S 2WD $210 $362 $500 $30 $150 $1,252 $104
Rogue S AWD $210 $362 $500 $30 $150 $1,252 $104
Rogue SL 2WD $210 $362 $500 $30 $150 $1,252 $104
Rogue SL AWD $210 $426 $500 $30 $150 $1,316 $110
Get Your Own Custom Quote Go

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Prices do not factor in garaging location in Riverside which can alter insurance rates substantially.

Based on the data above, we can derive that using a $250 deductible will cost you approximately $31 more each month or $372 a year than choosing the higher $1,000 deductible. Since you would have to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to have more than 24 months between claims, you would most likely save money by going with a higher deductible.

How to calculate deductible break even period

Average monthly premium for $250 deductibles: $137
Average monthly premium for $1,000 deductibles (subtract): – $106
Monthly savings from raising deductible: $31
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $31
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 24 months

One big caveat is that raising deductibles results in more money out-of-pocket if you have a claim. You need to have some extra funds in the event you have to pay more to get your vehicle repaired.

Nissan Rogue insurance rates: Men versus women

The illustration below illustrates the comparison of Nissan Rogue auto insurance rates for male and female drivers. The prices are based on no claims or driving violations, full physical damage coverage, $100 deductibles, drivers are not married, and no additional discounts are factored in.

Nissan Rogue liability-only versus full coverage

The information below illustrates the difference between Nissan Rogue car insurance rates with full physical damage coverage and with liability coverage only. The data is based on no claims or driving citations, $1,000 deductibles, single marital status, and no discounts are taken into consideration.

Are you wasting money paying for full coverage?

There is no exact formula of when to stop paying for full coverage on your policy, but there is a guideline you can use. If the yearly cost for physical damage coverage is more than 10% of the vehicle’s replacement cost less your deductible, then you may need to consider dropping full coverage.

For example, let’s say your Nissan Rogue replacement cost is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $7,000 after the deductible is paid. If it’s costing in excess of $700 annually for your policy with full coverage, then it could be time to drop full coverage.

There are some situations where dropping physical damage coverage is not in your best interest. If you still have a lienholder on your title, you have to maintain full coverage in order to satisfy the requirements of the loan. Also, if you don’t have enough money to buy a different vehicle if your current one is in an accident, you should keep full coverage on your policy.

Why auto insurance is not optional

Despite the high cost, auto insurance may be required and benefits you in several ways.

The benefits of having insurance greatly outweigh the cost, especially for larger claims. Today the average American driver is wasting up to $830 a year so smart consumers compare quotes at every policy renewal to ensure rates are competitive.

Riverside Insurance Premiums are Influenced by These Factors

When buying car insurance it’s important to understand some of the things that are used to determine the rates you pay for car insurance. When you understand what influences your rates, this enables you to make decisions that may reward you with lower premium levels.

The following are some of the major factors used by companies to determine your premiums.

Too many policy claims and you’ll pay more – If you are a frequent claim filer, don’t be surprised to see either higher rates or even cancellation. Auto insurance companies in California provide better rates to policyholders who are not frequent claim filers. Your car insurance is designed for major claims that would cause financial hardship.

Save money by having responsible credit – An insured’s credit score can be an important factor in determining what you pay. People with excellent credit tend to be more responsible than drivers who have lower credit ratings. If your credit history can be improved, you could pay less to insure your Nissan Rogue by improving your credit score.

Single drivers may get higher costs – Having a wife or husband may earn you lower rates on car insurance. Marriage generally demonstrates drivers are more financially stable and statistics show drivers who are married file infrequent claims.

Protect yourself with liability protection – Your policy’s liability coverage will provide protection in the event that you are determined to be liable for causing personal injury or damage in an accident. It provides legal defense to defend your case. This coverage is very inexpensive as compared to coverage for physical damage, so do not cut corners here.

Drive a safer car and pay less – Safe vehicles get lower rates. Vehicles built for safety reduce occupant injuries and lower rates of occupant injuries means your insurance company pays less and lower rates for you.

Your location is important – Living in less populated areas of the country is a good thing when insuring your vehicles. Less people living in that area means a lower chance of having an accident. Drivers who live in large California cities have more road rage incidents and more time behind the wheel. Spending more time driving translates into higher accident risk.

Premiums increase with driving tickets – Careful drivers receive lower rates than people who have multiple driving citations. Only having one moving violation can increase rates twenty percent or more. Drivers with flagrant violations such as reckless driving, hit and run or driving under the influence might be required by their state to complete a SR-22 with their state DMV in order to keep their license.

The diagram below illustrates how speeding tickets and accidents can influence Nissan Rogue car insurance rates for each age group. Data assumes a married female driver, full coverage, $250 deductibles, and no discounts are applied.

Nissan Rogue insurance loss data – Car insurance companies analyze the history of losses when setting rates for each model. Vehicles that tend to have a higher amount or frequency of claims will have a higher cost to insure.

The next table shows the collected loss data for Nissan Rogue vehicles. For each policy coverage, the statistical loss for all vehicles, as an average, is set at 100. Values that are below 100 suggest a positive loss record, while values that are above 100 point to more losses or larger claims.


Nissan Rogue Insurance Loss Statistics
Vehicle 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

Statistics from IIHS.org for 2013-2015 Model Years

What is the best insurance coverage?

When it comes to the best insurance coverage, there really is no cookie cutter policy. Your needs are unique to you and your insurance should be unique as well.Safe vehicles cost less to insure
These are some specific questions might point out if you might need professional guidance.

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier

California car insurance company ratings

Selecting a good quality car insurance provider can be difficult considering how many choices there are in California. The information shown next can help you pick which car insurance companies you want to consider when comparing rates.

Top 10 Riverside Car Insurance Companies Ranked by Customer Service

  1. AAA of Southern California
  2. GEICO
  3. State Farm
  4. The Hartford
  5. Mercury Insurance
  6. The General
  7. Progressive
  8. Allstate
  9. AAA Insurance
  10. American Family

Top 10 Riverside Car Insurance Companies Ranked by Value

  1. USAA
  2. American Family
  3. The Hartford
  4. AAA of Southern California
  5. Titan Insurance
  6. The General
  7. AAA Insurance
  8. State Farm
  9. Mercury Insurance
  10. Nationwide

Smart shoppers get results

When searching for affordable Nissan Rogue insurance quotes, make sure you don’t reduce coverage to reduce premium. There are too many instances where an accident victim reduced comprehensive coverage or liability limits only to find out that the savings was not a smart move. Your objective should be to buy the best coverage you can find for the lowest price, not the least amount of coverage.

We just covered some good ideas how you can get a better price on Nissan Rogue insurance in Riverside. The most important thing to understand is the more you quote Riverside car insurance, the higher the chance of saving money. You may even be surprised to find that the lowest priced car insurance comes from the smaller companies. Smaller companies can often insure niche markets at a lower cost than the large multi-state companies such as Allstate or State Farm.

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