How long has it been since you compared the cheapest Nissan Rogue insurance in Aurora? No sane person is fond of buying auto insurance, especially when they are aware that they are paying too much.
Unimaginable but true, the vast majority of auto insurance customers in Colorado have remained with the same auto insurance company for more than four years, and about 40% of consumers have never even shopped around for cheap coverage. U.S. drivers can cut their rates by as much as 47% a year, but they think it's difficult to save money by comparing rate quotes. Numerous insurance companies battle to insure your vehicles, and because of this it can be hard to compare auto insurance companies and get the definite lowest rate possible on Nissan Rogue insurance in Aurora.
You should make it a habit to get comparison quotes before your policy renews because rates trend upward over time. Just because you found the best premium rates on Nissan Rogue insurance in Aurora a few years ago you can probably find a lower rate today. Forget anything you know (or think you know) about auto insurance because you're about to find out the proper way to buy cheaper Nissan Rogue insurance in Aurora.
If you are already insured or just want to save money, you can use these tips to save money and possibly find even better coverage. Buying the cheapest insurance in Aurora is actually very simple if you learn how to start. Drivers just have to learn the proper methods to buy insurance on the web.
Companies offering Nissan Rogue insurance in Colorado
The car insurance companies shown below are our best choices to provide free rate quotes in Colorado. If the list has multiple companies, we suggest you get rate quotes from several of them in order to get a fair rate comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Rogue S 2WD||$302||$546||$396||$24||$118||$1,386||$116|
|Rogue S AWD||$260||$536||$448||$26||$134||$1,404||$117|
|Rogue SL 2WD||$168||$288||$396||$24||$118||$994||$83|
|Rogue SL AWD||$272||$538||$396||$24||$118||$1,348||$112|
|Get Your Own Custom Quote Go|
Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Premium amounts do not factor in vehicle garaging location which can affect premium rates significantly.
Annual premiums for males compared to females
The illustration below shows the comparison of Nissan Rogue car insurance rates for male and female drivers. The prices are based on no accidents or driving violations, comp and collision included, $500 deductibles, marital status is single, and no other discounts are factored in.
Rate comparison of full coverage and liability-only
The illustration below illustrates the difference between Nissan Rogue auto insurance costs with and without full coverage. The prices are based on no violations or claims, $500 deductibles, single female driver, and no policy discounts are applied.
When to drop comp and collision
There is no exact rule for excluding full coverage, but there is a general guideline. If the annual cost of your full coverage insurance is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then it might be time to buy liability only.
For example, let's say your Nissan Rogue replacement cost is $8,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, you would only receive $7,000 after paying your deductible. If premium cost is more than $700 annually for full coverage, then it might be time to consider dropping full coverage.
There are some conditions where dropping full coverage is not advised. If you haven't satisfied your loan, you have to maintain full coverage as part of the loan conditions. Also, if you don't have enough money to buy a different vehicle if your current one is totaled, you should not drop full coverage.
Aurora insurance discounts for a Nissan Rogue
The cost of insuring your cars can be expensive, but there are discounts available that may help make it more affordable. Larger premium reductions will be automatically applied at the time you complete a quote, but some must be specially asked for in order for you to get them. If you do not double check each discount available, it's possible you qualify for a lower rate.
- Payment Method - If you can afford to pay the entire bill as opposed to paying monthly you could save up to 5%.
- Student Discount for Driver Training - Require your teen driver to take driver's ed class if it's offered in school.
- Government Employee Discount - Being employed by or retired from a federal job could qualify for a slight premium decrease but check with your company.
- Buy New and Save - Buying a new car model may earn a small discount since new model year vehicles have better safety ratings.
- College Student Discount - Children who are enrolled in higher education away from home and won't have access to an insured vehicle may qualify for this discount.
- Active Military Service - Being on active duty in the military could qualify you for better prices.
Consumers should know that most credits do not apply the the whole policy. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. So even though you would think adding up those discounts means a free policy, you won't be that lucky.
A few of the larger companies and their possible discounts can be found below.
- GEICO policyholders can earn discounts including emergency military deployment, driver training, defensive driver, federal employee, anti-lock brakes, multi-vehicle, and seat belt use.
- Mercury Insurance offers discounts for annual mileage, low natural disaster claims, age of vehicle, accident-free, and multi-car.
- Farmers Insurance may include discounts for teen driver, business and professional, early shopping, switch companies, and good student.
- Auto-Owners Insurance includes discounts for anti-lock brakes, group or association, mature driver, teen driver, and company car.
- Liberty Mutual discounts include new vehicle discount, exclusive group savings, newly retired, newly married, hybrid vehicle, multi-car, and new graduate.
- SAFECO has savings for anti-theft, homeowner, teen safety rewards, anti-lock brakes, multi-car, teen safe driver, and accident prevention training.
- Progressive offers discounts including multi-vehicle, good student, online quote discount, continuous coverage, homeowner, online signing, and multi-policy.
- USAA may offer discounts for safe driver, multi-policy, defensive driver, new vehicle, family discount, vehicle storage, and loyalty savings.
It's a good idea to ask every insurance company the best way to save money. Savings may not apply to policies in your state. To choose insurers with the best discounts in Colorado, follow this link.
Neighborhood agents and auto insurance
Some people would rather buy from a local agent and that is not a bad decision Good agents are trained risk managers and will help you if you have claims. An additional benefit of comparing auto insurance online is that you can obtain cheaper premium rates and also buy local.
After filling out this short form, your information is transmitted to agents in your area who will give competitive quotes for your auto insurance coverage. There is no need to do any legwork since rate quotes are delivered straight to your inbox. If you need to get a comparison quote from one company in particular, don't hesitate to visit that company's website and fill out the quote form the provide.
Deciding on an provider is decision based upon more than just a low price. A good agent in Aurora will have answers to these questions.
- Are you getting all the discounts the company offers?
- Can you choose the body shop in case repairs are needed?
- Are all drivers listed on the coverage quote?
- Who are their largest clients?
- Will their companies depreciate repairs to your car based on the mileage?
- Does the company have a solid financial rating?
When researching a local insurance agency, you need to know there are two different agency structures and how they can service your needs differently. Auto insurance policy providers are categorized either exclusive agents or independent agents. Either one can provide auto insurance policies, but it is important to understand the differences since it can affect the selection process.
Exclusive agencies work for only one company and some examples include Farmers Insurance, Allstate, or State Farm. They usually cannot provide prices from multiple companies so you might not find the best rates. They are usually quite knowledgeable in insurance sales which helps them compete with independent agents.
The following are exclusive insurance agents in Aurora willing to provide comparison quotes.
Independent Agents (or Brokers)
Independent agents are not restricted to one company and that allows them to write policies through many different auto insurance companies and find you the best rates. If your premiums go up, the agent simply finds a different carrier and that require little work on your part. If you are comparing rate quotes, we highly recommend that you get insurance quotes from multiple independent agents for the best price selection.
Listed below is a list of independent agencies in Aurora that are able to give price quote information.
Amercian Affordable Insurance: Arthur Blaszczyszn
10660 E Bethany Dr - Aurora, CO 80014 - (303) 577-9998 - View Map
Upon receiving acceptable answers to all your questions and locked in a price quote, you may have found an insurance agent that meets the criteria to service your policy.
Does insurance advertising bend the truth?
Colorado consumers can't avoid all the ads for insurance savings by 21st Century, Allstate and State Farm. They all make the same claim about saving some big amount after switching your insurance policy to them.
It sounds good, but how can they all charge lower premium rates? Just pay attention to how they say it.
Many companies have specific characteristics for the type of driver that earns them the most money. An example of this type of insured might have to be married and over the age of 30, has had continuous coverage, and drives a vehicle with a low ISO rating. Someone that meets those criteria receives the best car insurance rates in Aurora and have a good chance to cut their rates substantially.
Potential customers who are not a match for the requirements will get a more expensive rate and the driver buying from a lower-cost company. The trick is to say "customers who switch" but not "everyone who gets a quote" save money. That's why insurance companies can confidently make the claims of big savings. That is why you absolutely need to get Aurora car insurance quotes as often as possible. It's not possible to predict which insurance companies will have the best car insurance rates for your profile.
Insurance coverage options for a Nissan Rogue
Understanding the coverages of insurance can be of help when determining the best coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and reading a policy is terribly boring. Shown next are typical coverages found on most insurance policies.
Auto collision coverage
This will pay to fix damage to your Rogue from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision can pay for things like driving through your garage door, crashing into a ditch and backing into a parked car. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. It's also possible to increase the deductible on your Rogue to get cheaper collision coverage.
Coverage for liability
This will cover damage that occurs to a person or their property. It protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.
It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 25/50/15 that means you have $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a limit of $15,000 paid for damaged property.
Liability coverage protects against things like repair costs for stationary objects, funeral expenses, attorney fees, emergency aid and medical expenses. How much coverage you buy is a personal decision, but it's cheap coverage so purchase as high a limit as you can afford. Colorado requires minimum liability limits of 25/50/15 but you should think about purchasing better liability coverage.
Uninsured/Underinsured Motorist (UM/UIM)
Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants when the "other guys" do not carry enough liability coverage. Covered claims include injuries to you and your family and damage to your Nissan Rogue.
Due to the fact that many Colorado drivers carry very low liability coverage limits (which is 25/50/15), it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.
Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for claims such as hail damage, damage from a tornado or hurricane and falling objects. The most your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.
Med pay and Personal Injury Protection (PIP)
Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for things like funeral costs, prosthetic devices and ambulance fees. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover you and your occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage
What is YOUR best insurance company?
Cheaper Nissan Rogue insurance in Aurora can be found from both online companies as well as from insurance agents, and you should compare rates from both to have the best chance of lowering rates. Some insurance providers don't offer internet price quotes and usually these small, regional companies work with independent agents.
As you restructure your insurance plan, you should never buy lower coverage limits just to save a few bucks. There are a lot of situations where an insured dropped uninsured motorist or liability limits only to regret that it was a big error on their part. The ultimate goal is to buy a smart amount of coverage for the lowest cost, but do not sacrifice coverage to save money.
We've covered a lot of tips how to find cheap Nissan Rogue insurance in Aurora. The key concept to understand is the more companies you get premium rates for, the better chance you'll have of finding affordable Nissan Rogue insurance quotes. You may even be surprised to find that the lowest car insurance rates are with an unexpected company. Smaller companies can often insure niche markets at a lower cost than the large multi-state companies such as Progressive and GEICO.
More learning opportunities
- Liability Insurance Coverage (Nationwide)
- Who Has Affordable Auto Insurance for High Risk Drivers in Colorado? (FAQ)
- Who Has Affordable Colorado Car Insurance for Drivers Over Age 60? (FAQ)
- Who Has the Cheapest Colorado Auto Insurance for College Students? (FAQ)
- Who Has the Cheapest Car Insurance Rates with Multiple Speeding Tickets in Colorado? (FAQ)
- Who Has Affordable Auto Insurance for Low Mileage Drivers in Colorado? (FAQ)
- How Much Auto Coverage do I Need? (Insurance Information Institute)
- How to shop for a safer car (Insurance Institute for Highway Safety)
- Frontal Crash Tests (iihs.org)
- What is a Telematics Device? (Allstate)