Compare Nissan Rogue Insurance Rate Quotes in San Jose

Discount Nissan Rogue insuranceI can’t think of a single person who likes paying for car insurance, particularly when their premiums are through the roof.

Statistics show that nearly 70% of consumers have been with the same company for a minimum of four years, and practically 40% of car insurance customers have never quoted car insurance rates at all. Drivers in the U.S. could pocket nearly 46.5% a year, but they don’t want to take the time to find cheaper rates by getting comparison quotes.

Steps to buying cheaper Nissan Rogue insurance in San Jose

If saving the most money is your goal, then the best way to find the cheapest price for auto insurance rates is to do a yearly price comparison from different companies that sell auto insurance in San Jose.

Step 1: Learn about how car insurance works and the changes you can make to prevent expensive coverage. Many risk factors that increase rates such as accidents, careless driving, and a low credit rating can be eliminated by making minor driving habit or lifestyle changes. This article gives instructions to help prevent expensive coverage and find available discounts that you may qualify for.

Step 2: Quote rates from direct, independent, and exclusive agents. Direct and exclusive agents can give quotes from one company like GEICO and Allstate, while independent agencies can provide rate quotes for a wide range of companies.

Step 3: Compare the new rate quotes to your current policy and determine if cheaper Rogue coverage is available in San Jose. If you can save money and change companies, ensure there is no coverage lapse between policies.

Step 4: Provide notification to your current company to cancel your current policy. Submit the required down payment along with the signed application to your new agent or company. As soon as coverage is bound, put the proof of insurance certificate above your visor, in the console, or in the glove compartment.

A good tip to remember is that you use identical deductibles and limits on each price quote and and to look at as many auto insurance providers as possible. Doing this ensures an accurate price comparison and a good representation of prices.

Companies like Allstate, Progressive and GEICO constantly blast consumers with ads and consumers find it hard to ignore the flashy ads and do the work needed to find the best deal.

If you have insurance now or need a new policy, you will benefit by learning to reduce premiums while maximizing coverage. Locating the most cost-effective car insurance policy in San Jose is much easier if you have a good place to start. Vehicle owners only need an understanding of the proper way to shop online.

San Jose insurance discounts for a Nissan Rogue

Companies that sell car insurance don’t always advertise every policy discount very clearly, so we break down both the well known as well as some of the hidden savings tricks you should be using when you buy San Jose car insurance online.

Discounts reduce rates, but you should keep in mind that most credits do not apply to the overall cost of the policy. Most only reduce specific coverage prices like liability, collision or medical payments. So even though it sounds like you would end up receiving a 100% discount, it’s just not the way it works. But all discounts should definitely cut the cost of coverage.

The illustration below compares Nissan Rogue insurance rates with and without discounts applied to the policy rates. The data is based on a male driver, no accidents or driving violations, California state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, marriage, safe-driver, multi-policy, homeowner, and multi-car discounts applied.

Car insurance companies that may offer policyholders these benefits are:

When quoting, ask each company or agent which discounts you qualify for. Some discounts listed above might not apply in San Jose. If you would like to choose from a list of insurers that offer discounts in California, follow this link.

The auto insurance companies shown below provide free quotes in California. If the list has multiple companies, it’s highly recommended you click on several of them to find the lowest auto insurance rates.

Car insurance analysis for a Nissan Rogue

The rate table shown below outlines different insurance policy prices for Nissan Rogue models. Having a better understanding of how insurance premiums are determined can assist in making decisions when choosing a new policy provider.

Nissan Rogue Insurance Rates in San Jose, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rogue S 2WD $234 $446 $674 $40 $202 $1,596 $133
Rogue S AWD $234 $446 $674 $40 $202 $1,596 $133
Rogue SL 2WD $234 $446 $674 $40 $202 $1,596 $133
Rogue SL AWD $234 $524 $674 $40 $202 $1,674 $140
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Cost estimates assume single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Estimates do not factor in specific garaging location which can lower or raise prices considerably.

Where to set your deductibles

One of the most common car insurance questions is at what level do you set your deductibles. The comparisons below can help show the rate difference between low and high physical damage coverage deductibles. The first data table uses a $250 deductible for physical damage and the second set of prices uses a $500 deductible.

Nissan Rogue insurance 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 with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rogue S 2WD $278 $464 $500 $30 $150 $1,422 $119
Rogue S AWD $278 $464 $500 $30 $150 $1,422 $119
Rogue SL 2WD $278 $464 $500 $30 $150 $1,422 $119
Rogue SL AWD $278 $546 $500 $30 $150 $1,504 $125
Get Your Own Custom Quote Go

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Price estimates do not factor in the specific area where the vehicle is garaged which can change auto insurance rates significantly.

Based on these figures, using a $250 deductible could cost the average driver approximately $16 more each month or $192 each year than quoting the higher $500 deductible. Since you would pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you usually have at a minimum 16 months between claim filings, you would probably come out ahead if you choose the higher deductible.

How to calculate deductible break even point

Average monthly premium for $250 deductibles: $137
Average monthly premium for $500 deductibles (subtract): – $121
Monthly savings from raising deductible: $16
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $16
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 16 months

One important note is that raising deductibles to save money means you will have to pay more when you have a comprehensive or collision claim. That will necessitate enough disposable income in order to pay more to get your vehicle repaired.

The information below shows how different deductible levels and can change Nissan Rogue yearly insurance costs for each different age group. The premium estimates are based on a married male driver, comprehensive and collision coverage, and no other discounts are factored in.

Careless drivers pay higher rates

The example below shows how speeding tickets and fender-benders can raise Nissan Rogue premium costs for different age categories. The costs are based on a married male driver, full physical damage coverage, $500 deductibles, and no policy discounts are applied.

Male drivers compared to female drivers in San Jose

The illustration below visualizes the comparison of Nissan Rogue auto insurance costs for male and female drivers. The costs are based on no driving violations, no at-fault accidents, comp and collision included, $100 deductibles, marital status is single, and no additional discounts are factored in.

Smart Choices Result in Lower Insurance Rates

The best way to find cheaper car insurance is to take a look at some of the factors that go into determining your policy premiums. If you know what controls the rates you pay, this enables you to make decisions that could result in better car insurance rates.

Gaps in coverage mean higher rates – Having a lapse in insurance coverage is a guaranteed way to trigger a rate increase. Not only will you pay higher rates, not being able to provide proof of insurance may result in fines or a revoked license. You may have to file a SR-22 with the California motor vehicle department to get your license reinstated.

Insure your auto and home with one company – Most car insurance companies allow lower prices to policyholders who have multiple policies with them. It’s known as a multi-policy discount. Even with this discount applied, you still need to compare other San Jose Rogue insurance rates to confirm you are receiving the best rates possible.There is a good possibility that you can save even more by buying car insurance from a different company.

Annual mileage impacts premiums – The higher the mileage driven every year the higher the price you pay to insure it. Many insurance companies charge rates based upon how you use the vehicle. Cars not used for work or commuting qualify for better rates than cars that get driven a lot. An incorrectly rated Rogue may be costing you higher rates. Double check that your declarations sheet shows the correct driver usage.

Having a spouse brings a discount – Having a spouse actually saves money compared to being single. Having a spouse is viewed as being more mature than a single person and statistics prove married drivers tend to have fewer serious accidents.

Only buy what you need – Policies have optional add-on coverages that can add up when buying car insurance. Coverages like vanishing deductibles, better glass coverage, and motor club memberships are probably not needed. These coverages may sound good at first, but if you’ve never needed them in the past eliminate the coverages to reduce your premium.

Loss probability for a Nissan Rogue – Car insurance companies study historical loss data to help set a rate to offset losses. Models that tend to have higher losses will have higher rates for specific coverages. The next table illustrates the actual insurance loss data for Nissan Rogue vehicles.

For each insurance policy coverage type, the claim amount for all vehicles, as a total average, is equal to 100. Values that are below 100 are indicative of better than average losses, while values that are above 100 indicate frequent claims or statistically larger claims.

Insurance Loss Ratings for Nissan Rogue Vehicles
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

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Insurance agencies can help

Some consumers just want to buy from a local agent and that can be a smart move Good insurance agents are highly skilled in risk management and help you file claims. A nice benefit of comparing rates online is the fact that drivers can get cheap rate quotes and still have an agent to talk to.

Insurance agency in San JoseUpon completion of this short form, the quote information is emailed to companies in San Jose that can provide free San Jose car insurance quotes for your insurance coverage. There is no need to contact an agency due to the fact that quote results will go instantly to you. If you wish to get a comparison quote for a specific company, you would need to visit that company’s website and give them your coverage information.

Choosing the best insurer shouldn’t rely on just a cheap price. A good agent in San Jose will have answers to these questions.

Choose an insurance agent wisely

If you want to use a reliable insurance agency, it’s important to understand the different agency structures to choose from. Agents are either exclusive or independent agents depending on their company appointments. Both types can properly insure your vehicles, but it’s important to point out the difference in the companies they write for since it can affect the selection process.

Exclusive Insurance Agencies

These type of agents write business for a single company like State Farm, AAA, and Liberty Mutual. These agents are not able to provide other company’s prices so they really need to provide good service. Exclusive insurance agents are usually well trained on their company’s products which helps them sell insurance even at higher premiums.

Shown below is a short list of exclusive insurance agencies in San Jose who may provide you with price quotes.

361 Piercy RdSan Jose, CA 95138(408) 225-2463View Map

1270 S Winchester Blvd #134San Jose, CA 95128(408) 260-3370View Map

Dick Alesch – State Farm Insurance Agent
164 N Bascom Ave aSan Jose, CA 95128(408) 918-0877View Map

View more agents

Independent Car Insurance Agencies

Independent agents are normally appointed by many insurers so they can quote policies through many different car insurance companies and find the cheapest car insurance rates. If you want to switch companies, your agent can just switch to a different company which requires no work on your part.

When comparing rates, you will definitely want to get some free quotes from several independent insurance agents to have the most options to choose from.

Below are San Jose independent agencies who can help you get rate quotes.

All Coverage Insurance Agency
3033 Moorpark Ave #27San Jose, CA 95128(408) 244-9100View Map

1639 Meridian Ave aSan Jose, CA 95125(408) 286-4467View Map

543 W Capitol ExpySan Jose, CA 95136(408) 441-7777View Map

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Three main reasons to buy insurance

Despite the high insurance cost for a Nissan Rogue in San Jose, insuring your vehicle is not optional due to several reasons.

First, just about all states have compulsory liability insurance requirements which means you are required to carry a specific level of liability protection if you don’t want to risk a ticket. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.

Second, if your Rogue has a lienholder, more than likely the lender will require you to have comprehensive coverage to ensure loan repayment if the vehicle is totaled. If coverage lapses or is canceled, the bank will be required to insure your Nissan at a much higher rate and make you pay for it.

Third, insurance safeguards not only your vehicle but also your financial assets. It also can pay for all forms of medical expenses for not only you but also any passengers injured in an accident. One of the most valuable coverages, liability insurance, also covers all legal expenses up to the policy limit if anyone sues you for causing an accident. If damage is caused by hail or an accident, comprehensive (other-than-collision) and collision coverage will pay to repair the damage minus the deductible amount.

The benefits of carrying adequate insurance definitely exceed the cost, especially when you need to use it. According to a 2015 survey, the average American driver is overpaying over $820 a year so compare quotes from several companies at least once a year to help ensure money is not being wasted.

Cheaper insurance premiums are possible

Some insurance companies do not offer rates over the internet and many times these smaller companies only sell coverage through local independent agents. Budget-friendly insurance in San Jose can be found on the web and also from your neighborhood San Jose agents, and you should compare price quotes from both to have the best chance of lowering rates.

We just showed you some good ideas how to find cheaper Nissan Rogue insurance in San Jose. The most important thing to understand is the more providers you compare, the better your chances of lowering your car insurance rates. Consumers could even find that the most savings is with some of the smallest insurance companies. They can often insure niche markets at a lower cost as compared to the big name companies such as GEICO and State Farm.

Steps to saving on Nissan Rogue insurance in San Jose

If your goal is the lowest price, then the best way to get affordable car insurance rates is to start doing an annual price comparison from providers who sell insurance in San Jose.

  1. Spend a few minutes and learn about policy coverages and the changes you can make to keep rates in check. Many policy risk factors that cause high rates like traffic citations, accidents, and a poor credit score can be controlled by making minor changes to your lifestyle.
  2. Request rate estimates from direct, independent, and exclusive agents. Direct and exclusive agents can give quotes from a single company like GEICO or Farmers Insurance, while agents who are independent can give you price quotes from multiple insurance companies. Click to view companies
  3. Compare the new rate quotes to your existing coverage to determine if you can save on Rogue insurance in San Jose. If you find a lower rate quote and decide to switch, make sure there is no lapse between the expiration of your current policy and the new one.
  4. Tell your current agent or company of your intention to cancel your current auto insurance policy. Submit a down payment along with a signed application to the newly selected company. Once the application is submitted, place the new certificate verifying coverage with the vehicle registration.

One key aspect when comparing rates is to make sure you’re comparing identical limits and deductibles on every price quote and to quote with as many car insurance companies as possible. Doing this ensures a fair price comparison and the best price quote selection.

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