If saving money is your primary concern, then the best way to get budget Nissan Rogue insurance is to make a habit of comparing prices annually from insurance carriers in Aurora. You can shop around by completing these steps.
- First, try to understand car insurance and the modifications you can make to prevent high rates. Many factors that cause high rates such as speeding tickets, accidents and a low credit score can be amended by being financially responsible and driving safely.
- Second, request rate estimates from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only give rate quotes from one company like GEICO or Allstate, while independent agencies can provide price quotes for a wide range of insurance providers.
- Third, compare the new rate quotes to your current policy premium and determine if cheaper Rogue coverage is available in Aurora. If you find a lower rate quote and change companies, make sure coverage is continuous and does not lapse.
- Fourth, provide notification to your current agent or company of your decision to cancel your current car insurance policy and submit a down payment along with a completed application for your new policy. Once coverage is bound, keep your new proof of insurance paperwork in an accessible location in your vehicle.
The most important part of shopping around is to try to use the same physical damage deductibles and liability limits on each price quote and and to get quotes from every insurance company. This ensures an apples-to-apples comparison and the best rate selection.
It goes without saying that auto insurance companies want to keep you from shopping around. Drivers who get comparison quotes once a year will probably switch companies because the odds are good of finding a more affordable policy. A recent survey revealed that drivers who regularly compared price quotes saved an average of $850 each year compared to other drivers who never shopped around for cheaper prices.
If finding the best rates on auto insurance in Aurora is why you’re reading this, learning the best way to quote and compare cheaper coverage can make it easier to find better rates.
Nissan Rogue insurance quotes comparison
The companies shown below offer quotes in Colorado. In order to find the best cheap auto insurance in CO, it’s a good idea that you get rate quotes from several of them to find the cheapest auto insurance rates.
Here’s why car insurance is not optional
Even though Aurora Rogue insurance rates can get expensive, car insurance is required in Colorado but it also protects you in many ways.
- Most states have mandatory liability insurance requirements which means you are required to carry a specific level of liability coverage in order to get the vehicle licensed. In Colorado these limits are 25/50/15 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
- If you bought your Nissan with a loan, it’s guaranteed your bank will have a requirement that you have insurance to ensure the loan is repaid in case of a total loss. If you do not keep the policy in force, the bank will be required to insure your Nissan for a lot more money and force you to reimburse them the higher price.
- Car insurance preserves both your vehicle and your assets. Insurance will pay for medical expenses that are the result of an accident. Liability insurance also pays for attorney fees and expenses if anyone sues you for causing an accident. If mother nature or an accident damages your car, collision and comprehensive coverages will pay to have it repaired.
The benefits of having car insurance definitely exceed the price paid, particularly when you have a large claim. The average driver in Colorado is overpaying more than $855 a year so we recommend shopping around at every policy renewal to save money.
Rates and data analysis
The premium information shown below outlines different coverage prices for Nissan Rogue models. Being able to understand how insurance premiums are determined is important for drivers to make decisions on the best policy to buy.
|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||$302||$562||$536||$32||$160||$1,592||$133|
|Rogue SL 2WD||$302||$562||$536||$32||$160||$1,592||$133|
|Rogue SL AWD||$302||$662||$536||$32||$160||$1,692||$141|
|Get Your Own Custom Quote Go|
Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Rate quotes do not factor in Aurora location which can lower or raise coverage rates greatly.
The chart below highlights how deductible selection and can increase or decrease Nissan Rogue insurance premiums for different age groups. The premiums are based on a single female driver, comprehensive and collision coverage, and no discounts are factored in.
Price comparison of only insuring for liability
The chart below illustrates the difference between Nissan Rogue insurance rates when comparing full coverage to liability only. The premium estimates are based on no accidents, no driving violations, $100 deductibles, single marital status, and no additional discounts are factored in.
Should you buy full coverage or liability only?
There is no definitive guideline to drop full coverage, but there is a general guideline you can use. If the annual cost of having full coverage is about 10% or more of replacement cost minus your deductible, then it might be time to buy liability only.
For example, let’s assume your Nissan Rogue replacement value is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most your company will settle for is $4,000 after the deductible is paid. If you are paying over $400 a year for comprehensive and collision coverage, then it might be time to consider dropping full coverage.
There are a few cases where dropping physical damage coverage is not a good idea. If you still owe money on your vehicle, you must maintain physical damage coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should not eliminate full coverage.
Get affordable rates with discounts
Auto insurance is neither fun to buy or cheap, but there could be available discounts that could help you make your next renewal payment. Some discounts apply automatically at the time of quoting, but once in a while a discount must be asked about prior to getting the savings.
- Driver Training Discounts – Taking part in a course in defensive driver can save you 5% or more depending on where you live.
- College Student – College-age children who are enrolled in a college that is more than 100 miles from Aurora and do not take a car to college may be insured at a cheaper rate.
- Drivers Ed for Students – Teen drivers should enroll and complete driver’s education in school or through a local driver safety program.
- Discounts for Cautious Drivers – Accident-free drivers can get discounts for up to 45% lower rates as compared to drivers with claims.
- Multiple Policy Discount – If you combine your auto and home policies with the same company you may save 10% to 20% off each policy.
- Claim-Free Discount – Drivers with accident-free driving histories can save substantially as compared to drivers who are more careless.
- Anti-lock Brakes – Cars and trucks that have anti-lock braking systems can reduce accidents and the ABS can save up to 10%.
Discounts save money, but please remember that many deductions do not apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. Even though it appears you could get a free auto insurance policy, you’re out of luck.
The diagram below illustrates the comparison of Nissan Rogue yearly insurance costs with and without discounts applied to the premium. The costs are based on a female driver, no claims or violations, Colorado state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, homeowner, multi-car, marriage, safe-driver, and claim-free discounts applied.
To choose auto insurance companies that can offer you the previously mentioned discounts in Aurora, follow this link.
Local insurance agents
A lot of people just want to buy from a local agent and that is a smart decision Licensed agents can help you choose the best coverages and help file insurance claims. The biggest benefit of price shopping on the web is that drivers can save money and get the best rates and still buy from a local agent.
To help locate an agent, after submitting this quick form, your information is submitted to participating agents in Aurora who will give you bids for your insurance coverage. It makes it easy because there is no need to leave your computer because quoted prices will be sent to you. If you want to quote rates from a specific car insurance provider, just search and find their rate quote page and fill out their quote form.
Finding the right company is decision based upon more than just a cheap price quote. Agents should be asked these questions:
- Does the agency have a positive business rating?
- Are there any hidden costs in their price quote and does it include driving and credit history?
- Are there any discounts that you might be missing?
- Can you use your own choice of collision repair facility?
- How long has their agency been in business in Aurora?
- Does the agent have professional designations like CIC, CPCU or AIC?
- Are they paid to recommend certain coverages?
- Does the agent recommend any additional coverage?
When narrowing the list to find a reliable agent, you need to know there are two types of agencies and how they can write your policy. Insurance agencies in Aurora are either exclusive or independent (non-exclusive). Either one can insure your vehicles properly, but we need to point out the subtle differences because it can influence the kind of agent you use.
Exclusive Car Insurance Agents
Exclusive insurance agents normally can only provide a single company’s rates such as Farmers Insurance and State Farm. They generally cannot provide rate quotes from other companies so keep that in mind. Exclusive insurance agents receive a lot of sales training on sales techniques and that allows them to sell at a higher price point.
The following are Aurora exclusive agencies that are able to give comparison quotes.
Paul Macaluso – State Farm Insurance Agent
Ste A6, 16911 E Quincy Ave – Aurora, CO 80015 – (303) 690-6700 – View Map
Stan Kellogg – State Farm Insurance Agent
15434 E Orchard Rd – Aurora, CO 80016 – (303) 699-2288 – View Map
Independent Car Insurance Agencies
Agents of this type do not have single company limitations so as a result can place your coverage with an assortment of companies and find the cheapest car insurance rates. If they find a cheaper price, they can switch companies in-house and you don’t have to switch agencies. If you need lower rates, it’s a good idea to include a few independent agents so that you have a good selection of quotes to compare.
Below is a list of independent insurance agents in Aurora that can give you comparison quotes.
A Complete Auto Insurance Agency
543 Sable Blvd – Aurora, CO 80011 – (303) 650-0060 – View Map
When do I need an agent’s advice?
When choosing a policy for your personal vehicles, there really isn’t a single plan that fits everyone. Coverage needs to be tailored to your specific needs so your insurance needs to address that.
For example, these questions might point out if you would benefit from professional advice.
- Are there any extra discounts I can get?
- Do I have coverage when using my vehicle for my home business?
- Am I covered if I break a side mirror?
- When should my teen driver be added to my policy?
- Is my son or daughter covered when driving my car?
- Should I buy more coverage than the required Colorado minimum liability coverage?
- I have health insurance so do I need medical payments coverage?
- Will I lose any money if I cancel my policy before it expires?
- Are my custom wheels covered?
If you’re not sure about those questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area. It only takes a few minutes and can provide invaluable advice.
Shop smart and save
We just presented a lot of information how to get a better price on Nissan Rogue insurance in Aurora. The key concept to understand is the more price quotes you have, the higher the chance of saving money. You may even discover the most savings is with some of the smallest insurance companies. Some small companies can often provide lower car insurance rates in certain areas than their larger competitors like Allstate or State Farm.
When getting Aurora car insurance quotes online, make sure you don’t buy poor coverage just to save money. In many instances, an insured dropped uninsured motorist or liability limits only to regret that the small savings ended up costing them much more. Your objective should be to buy a smart amount of coverage at the best cost, but do not skimp to save money.
More information can be found below:
- Side airbags reduce rollover fatalities (Insurance Institute for Highway Safety)
- Who Has Cheap Auto Insurance for Retired Military in Aurora? (FAQ)
- Who Has Cheap Car Insurance for Active Military in Aurora? (FAQ)
- Who Has Affordable Aurora Car Insurance Quotes for a School Permit? (FAQ)
- Who Has Affordable Car Insurance Quotes for a 20 Year Old Female in Aurora? (FAQ)
- How Much is Aurora Auto Insurance for Hybrid Vehicles? (FAQ)
- Child Safety FAQ (iihs.org)
- Automakers compete to add autobraking (Insurance Institute for Highway Safety)