Buying the cheapest coverage for a Nissan Rogue is normally pretty easy, but it depends on a very complex rating algorithm that uses multiple factors such as miles driven annually, your credit score, and physical damage deductibles. North Carolina drivers pay on average $594 annually for Rogue insurance, but that is using a 50-year-old single female driver with full coverage and $1,000 deductibles.
The issue that arises when projecting rates is that it’s very likely that you aren’t exactly 50 years old or even a female, possibly married instead of single, and maybe your Rogue just needs liability-only coverage. Having just a slight change in rating variables or coverage information could end up in a significant change in the price of a policy.
Car insurance coverage is unique to each driver, so this is why the only way to find affordable rates for your Nissan is to compare as many rates as possible. It’s really quite easy you will be able to compare rates from some of the best companies available.
The trim level of your vehicle can impact the cost of insurance, so the price to insure a Rogue S 2WD model will be $36 less than the cost to insure the more costly Rogue SL AWD trim level, as demonstrated by the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Rogue S 2WD||$102||$200||$318||$18||$96||$734||$61|
|Rogue S AWD||$102||$200||$318||$18||$96||$734||$61|
|Rogue SL 2WD||$102||$200||$318||$18||$96||$734||$61|
|Rogue SL AWD||$102||$236||$318||$18||$96||$770||$64|
|Get Your Own Custom Quote Go|
Data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and North Carolina minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Premium costs do not factor in specific location information which can decrease or increase rates substantially.
North Carolina car insurance company ratings
Buying coverage from the top insurance company is difficult considering how many companies sell insurance in North Carolina. The company rank data shown next could help you pick which insurers to look at when trying to find the cheapest insurance for a Nissan Rogue. The ratings below are only made up of companies that insure vehicles across America, so companies that only write business in North Carolina or surrounding areas are not included in this list.
Top 10 Large Auto Insurers in Durham Ranked by Customer Satisfaction
- USAA – 91%
- AAA Insurance – 90%
- Esurance – 90%
- Nationwide – 89%
- Travelers – 88%
- Progressive – 88%
- Safeco Insurance – 88%
- State Farm – 88%
- Allstate – 88%
- The Hartford – 87%
Top 10 Large Auto Insurers Overall in Durham
- AAA Insurance
- State Farm
- The Hartford
- Safeco Insurance
- American Family
The illustration below highlights how deductible selection can change insurance rates when searching for cheap insurance for a Nissan Rogue. The premiums are based on a single female driver, full coverage, and no discounts are applied to the premium.
The chart above illustrates that a 30-year-old driver could lower rates by $268 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $406 by choosing a $1,000 deductible. Youthful drivers, such as the Age 20 example, could roll back prices up to $602 each year by selecting a higher deductible. If you do raise deductibles, it will be necessary to have enough in a savings account to enable you to cover the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.
Difference between full coverage and liability only rates
Finding cheaper car insurance is probably important to the majority of vehicle owners, and one of the best ways to buy cheaper insurance for a Nissan Rogue is to buy only liability coverage. The example below shows the difference between auto insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The data is based on no accidents, no driving violations, $250 deductibles, single marital status, and no discounts are factored in.
On average, physical damage coverage on your policy costs $1,647 per year over and above liability only. Many people question if paying for full coverage is worth it. There isn’t a steadfast formula of when to eliminate physical damage coverage, but there is a general guideline you can use. If the yearly cost for physical damage coverage is more than about 10% of replacement cost minus your deductible, then you might want to think about dropping full coverage.
There are a few cases where dropping full coverage is not a good idea. If you haven’t paid off your loan, you are required to maintain full coverage as part of the loan requirements. Also, if you cannot afford to purchase a different vehicle in case of an accident, you should keep full coverage in place.
The benefit of shopping around
Durham, NC car insurance rates are impacted by many factors that control the price you have to pay for coverage. Getting older, buying a different vehicle, or getting a speeding ticket can cause premium changes that can cause some rates to be cheaper than competitors. Also, insurers change premium rates as often as every quarter in order to protect their financial rating. An extended period of higher than normal claims may result in higher prices, while lower claim expenses may cause cheaper Rogue insurance rates.
For example, the graph below demonstrates which company has the cheapest car insurance in Durham, NC for a 30-year-old male driver with no prior accidents, a clean driving record, and solid credit. When comparing rates based on his current risk profile, Utica National may offer the best car insurance rates in Durham at $759 annually. This is $113 less than the average price paid by North Carolina drivers of $872. Progressive, Liberty Mutual, GEICO, and Penn National are also included in the cheapest Durham, NC auto insurance companies.
In the next rate comparison, we’ll give the driver from above an at-fault accident, a lower credit rating, and a stop sign violation. Since every insurance provider has their own guidelines for setting prices, comparing insurance quotes most likely will result in a different set of the cheapest car insurance companies in Durham as shown below.
NC Farm Bureau now has the cheapest price in Durham with State Farm, Auto-Owners, National General, and Allied also having competitive pricing. This example shows why it is critical to shop around to get the most budget-friendly insurance quotes for a Nissan Rogue. Insurance prices are influenced by many risk factors and change dramatically, so the lowest-price company the last time you shopped your coverage around may now be one of the higher cost companies.
How to find budget-friendly auto insurance for a Nissan Rogue
The list below summarizes some penny-pinching suggestions that can help drivers get low-cost coverage.
- Do not get traffic tickets
- Buying car and homeowners insurance together can save money
- Do not pay for full coverage on older vehicles
- Buy vehicles with five-star safety ratings
- Do not get into accidents that are your fault
- Try to not file small claims
- Compare quotes from other companies often
The last idea is incredibly necessary, as was noted in this piece. Prices charged by companies can change considerably in a year, so don’t be hesitant to change to a new company if a cheaper price is available.
Many drivers tend to have loyalty to a certain company, but it’s not recommended if it’s costing you money that could be used for better things. In just a few minutes you could shop around and find cheaper auto insurance for a Nissan Rogue in Durham.
The Durham auto insurance agencies shown below are a good start to help you decide which coverages are best, since some drivers aren’t sure which coverage they need and prefer to have some professional guidance when shopping for the best coverage for a Nissan Rogue. It can be challenging to find the cheapest rate yourself, and getting advice from a licensed North Carolina insurance agent can provide you satisfaction knowing your policy gives you enough protection.
To locate a Durham auto insurance agent closest to you, click the button after the list or click here to compare rates now.
Superior Insurance Durham North
3808 Guess Rd Suite J – Durham, NC 27705 – (919) 973-1507
Allstate Insurance Agent: Michael D. Maffeo
2705 N Duke St Ste 203 – Durham, NC 27704 – (919) 479-5085
Superior Insurance of Durham
3825 S Roxboro St #118 – Durham, NC 27713 – (919) 224-8034
Nationwide Insurance: Andrew F Jones
5242 Roxboro Rd Ste C – Durham, NC 27712 – (919) 477-7666
Around The Corner Insurance Agency, Inc.
1431 Broad St – Durham, NC 27705 – (919) 286-9500