Want to learn the secrets to finding lower-priced Nissan Rogue insurance in Colorado Springs? Having to pay for overpriced auto insurance in Colorado Springs can bleed your monthly budget and possibly require postponing other expenditures. Shopping your coverage around can lower your rates and help to cut your insurance bill.
Shocking but true, nearly 70% of drivers have stayed with the same insurance company for four years or more, and roughly 40% of drivers have never compared rates with other companies. Colorado Springs drivers could save themselves $610 a year by just comparing quotes, but they don't understand how simple it is to go online and compare rates. Numerous insurance companies battle to insure your vehicles, so it can be very hard to choose a company to discover the definitive lowest rate possible on Nissan Rogue insurance in Colorado Springs.
If you are already insured or just want a better rate, you can use these techniques to find better prices and still have adequate protection. Locating the best rates in Colorado Springs is actually very simple if you learn how to start. Smart buyers only need an understanding of the quickest method to shop for insurance instantly.
Cheapest car insurance in Colorado Springs, CO
The following companies have been selected to offer price comparisons in Colorado Springs, CO. If multiple companies are shown, it's highly recommended you visit several of them to get the cheapest price.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Rogue S 2WD||$302||$562||$536||$32||$160||$1,592||$133|
|Rogue S AWD||$260||$562||$448||$26||$134||$1,430||$119|
|Rogue SL 2WD||$170||$306||$374||$22||$112||$984||$82|
|Rogue SL AWD||$234||$528||$448||$26||$134||$1,370||$114|
|Get Your Own Custom Quote Go|
Prices based on single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Prices do not factor in specific garaging location which can raise or lower insurance rates noticeably.
Driving violations and accidents
The example below demonstrates how citations and accident claims can raise Nissan Rogue car insurance rates for different age categories. The costs are based on a married female driver, comp and collision included, $1,000 deductibles, and no policy discounts are applied.
An analysis of deductible level
The chart below demonstrates how deductible levels and can increase or decrease Nissan Rogue premium costs for different categories of driver ages. The premiums are based on a single male driver, comp and collision included, and no other discounts are factored in.
Nissan Rogue Insurance Prices Can Be More Affordable
The best way to find cheaper auto insurance is to take a look at some of the factors that come into play when calculating your auto insurance rates. If you know what influences your rates, this helps enable you to make changes that can earn you better auto insurance rates.
Drive less and save - The more you drive every year the higher your rate. Most insurance companies calculate prices based on how the vehicle is used. Cars and trucks left parked in the garage can get a lower rate than those used for commuting. Having the wrong rating on your Rogue may be costing you higher rates. Double check that your declarations sheet reflects the correct usage, because improper ratings can cost you money.
Your career may increase premiums - Did you know your career choice can influence rates? Occupations such as doctors, business owners and stock brokers tend to have higher rates than the rest of us because of job stress and extremely grueling work hours. On the flip side, occupations such as scientists, athletes and the unemployed generally pay rates lower than average.
Discounts for auto and home policies - Many auto insurance companies give discounts to insureds who buy several policies from them in the form of a multi-policy discount. Even if you already get this discount, you still need to compare other Colorado Springs Rogue insurance rates to ensure the best deal.
Never let your auto insurance expire - Driving without insurance is against the law and your next policy will cost more because you let your coverage lapse. Not only will rates go up, being ticketed for driving with no insurance can result in fines and jail time. You may need to file a SR-22 with the Colorado motor vehicle department to get your license reinstated.
Age of drivers impacts costs - Young drivers in Colorado are statistically proven to be less responsible when behind the wheel so they pay higher auto insurance rates. More mature drivers are shown to be more cautious, tend to cause fewer accidents, and are safer drivers.
Insurance loss data for Nissan Rogue vehicles - Car insurance companies analyze past claim statistics when setting rates for each model. Vehicles that the data determines to have higher frequency or amount of claims will cost more for coverage. The table below illustrates the loss history for Nissan Rogue vehicles.
For each coverage category, the claim amount for all vehicles averaged together is represented as 100. Numbers shown that are under 100 indicate a favorable loss history, while values that are above 100 indicate a higher chance of having a claim or tendancy to have larger claims.
Nissan Rogue Insurance Loss Statistics
|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
These discounts can lower your car insurance rates
Some insurance providers don't always list every available discount in an easy-to-find place, so we took the time to find some of the more common as well as the least known discounts that you can inquire about if you buy Colorado Springs auto insurance online.
- Telematics Data - Insureds who allow driving data collection to study vehicle usage remotely like Allstate's Drivewise may see discounts as long as the data is positive.
- Discount for Multiple Policies - If you combine your auto and home policies with one company you could earn a discount of 10% to 20% off each policy.
- Responsible Driver Discounts - Safe drivers can save as much as half off their rates than their less cautious counterparts.
- Driver's Education for Students - Teen drivers should successfully complete driver's ed class in school.
- Pay Upfront and Save - If paying your policy premium upfront instead of making monthly payments you could save 5% or more.
- Senior Discount - Older drivers can get a discount up to 10%.
- Discount for Passive Restraints - Factory air bags or motorized seat belts could see savings of 20 to 30 percent.
- Multi-car Discount - Buying insurance for primary and secondary vehicles on the same car insurance policy qualifies for this discount.
- Anti-lock Brakes - Anti-lock brake equipped vehicles can stop better under adverse conditions and the ABS can save up to 10%.
- Claim-Free Discount - Drivers with accident-free driving histories get the best car insurance rates compared to accident-prone drivers.
Remember that most discounts do not apply to the entire policy premium. Some only reduce specific coverage prices like medical payments or collision. So when it seems like you can get free auto insurance, it just doesn't work that way.
To see a list of car insurance companies that provide some of the discounts listed above in Colorado, click here.
Insurance agent or online?
A small number of people still like to get professional advice from a licensed agent and we recommend doing that Experienced insurance agents are trained risk managers and help you file claims. One of the benefits of price shopping on the web is the fact that drivers can get cheaper prices but still work with a licensed agent. Buying from small agencies is still important in Colorado Springs.
After completing this simple form, your coverage information is instantly submitted to companies in Colorado Springs who will return price quotes for your car insurance coverage. You never need to search for an agent as quotes are delivered to you directly. If you wish to get a comparison quote for a specific company, don't hesitate to find their quoting web page and give them your coverage information.
Two different types of car insurance agents
If you want to use a good Colorado Springs insurance agent, it can be helpful to understand the different types of agencies and how they function. Agents are classified as either independent or exclusive. Both can properly insure your vehicles, but it is a good idea to know the difference between them since it can impact your selection of an agent.
Independent Agencies or Brokers
These type of agents can quote rates with many companies so they have the ability to put coverage through lots of different companies and help determine which has the cheapest rates. If your agent finds better pricing, your policy is moved internally and you don't have to do anything. When comparing rate quotes, you definitely need to get insurance quotes from at least one independent agent for the best price selection.
The following is a small list of independent insurance agents in Colorado Springs who may be able to give you cheap rate quotes.
Exclusive Car Insurance Agents
Exclusive insurance agents can only provide pricing for a single company and examples are American Family, State Farm, and Allstate. Exclusive agents cannot compare other company's rates so you need to shop around if the rates are high. Exclusive agencies are well trained on what they offer and that can be a competitive advantage.
Shown below are exclusive insurance agents in Colorado Springs who can help you get price quote information.
Larry Lucero - State Farm Insurance Agent
5225 Academy Blvd N #108 - Colorado Springs, CO 80918 - (719) 599-8661 - View Map
Deciding on an car insurance agent requires more thought than just a cheap price quote. Any agent in Colorado Springs should be willing to answer these questions.
- Is insurance their full-time profession?
- How long has the business existed?
- Is there any savings for paying the full premium?
- Will high miles depreciate repair valuations?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- Is the agent CPCU or CIC certified?
Once you have received answers to your satisfaction to these questions as well as an affordable premium quote, you may have found an insurance agent that is reputable and can service your policy. But remember, consumers can cancel coverage whenever you choose to so don't think that you're stuck with any specific agency indefinitely.
Can you really save that much by switching?
Consumers in Colorado can't ignore all the ads for the lowest price insurance from companies such as State Farm, GEICO and Progressive. All the ads have a common claim about saving some big amount if you move to their company.
It sounds good, but how can they all save you money on Nissan Rogue insurance in Colorado Springs? It's all in the numbers.
Insurance companies can use profiling for the type of driver that earns them the highest profit. For instance, a desirable risk might have to be over the age of 40, has a clean driving record, and has a high credit rating. A driver who matches those parameters will get the preferred car insurance rates in Colorado Springs and most likely will cut their Nissan Rogue insurance rates if they switch.
Drivers who may not quite match the ideal profile will probably be forced to pay higher rates with the end result being the customer not buying. The ad wording is "drivers who switch" but not "everyone who gets a quote" save that much. This is how companies can truthfully make claims that they all have the best prices.
Because each company has a different risk profile, you should get a wide range of price quotes. Because you never know which insurance company will provide the lowest Nissan Rogue insurance in Colorado Springs.
Persistent drivers can save
We just showed you many tips how you can get a better price on Nissan Rogue insurance in Colorado Springs. The most important thing to understand is the more providers you compare, the higher your chance of finding inexpensive Colorado Springs auto insurance quotes. You may even discover the best rates are with some of the lesser-known companies. Regional companies can often provide lower car insurance rates in certain areas than the large multi-state companies such as Progressive and GEICO.
When trying to cut insurance costs, do not buy lower coverage limits just to save a few bucks. In many instances, an accident victim reduced uninsured motorist or liability limits only to find out that the small savings ended up costing them much more. The goal is to buy enough coverage at the best price while not skimping on critical coverages.
More detailed auto insurance information can be found by following these links:
- Credit Impacts Car Insurance Rates (State Farm)
- What Auto Insurance is Cheapest for Veterans in Colorado? (FAQ)
- Who Has Affordable Auto Insurance Quotes for a Toyota Camry in Colorado? (FAQ)
- Who Has Affordable Colorado Auto Insurance Rates for Drivers with a DUI? (FAQ)
- What is the Best Cheap Auto Insurance in Highlands Ranch, Colorado? (FAQ)
- Things to Know Before you Cancel Insurance (Allstate)
- What does Personal Injury Protection (PIP) Cover? (Allstate)
- Senior Drivers (Insurance Information Institute)