Insurance quote for Nissan Rogue in Colorado SpringsWant 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.

Nissan Rogue Insurance Rate Estimates in Colorado Springs, CO
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
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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 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.Discount car insurance

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.

Insurance agents in Colorado SpringsAfter 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.

3485 Academy Blvd N Ste 101 - Colorado Springs, CO 80917 - (719) 599-9494 - View Map

707 S Tejon St - Colorado Springs, CO 80903 - (719) 227-7100 - View Map

2306 N Powers Blvd #120 - Colorado Springs, CO 80915 - (719) 591-4500 - View Map

View more Colorado Springs agents

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.

1710 S Circle Dr - Colorado Springs, CO 80910 - (719) 900-7431 - View Map

3649 Star Ranch Rd - Colorado Springs, CO 80906 - (719) 540-9520 - View Map

Larry Lucero - State Farm Insurance Agent
5225 Academy Blvd N #108 - Colorado Springs, CO 80918 - (719) 599-8661 - View Map

View more Colorado Springs agents

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.

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: