Cheapest Insurance for a Nissan Rogue in Minnesota

When talking about car insurance, the word “cheap” should not appear anywhere in the article. Despite the oxymoron, cheap auto insurance for a Nissan Rogue can be extremely hard to find. Don’t let that bother you, though, because we can show you some ways you can quote insurance that is cheaper than what you are paying now.

The chances of buying affordable insurance for a Nissan Rogue in Minnesota depends upon things such as annual miles driven, your occupation, and any past driving violations you may have had. Drivers pay an average rate of $1,000 each year to insure a Nissan Rogue, but that price is an approximation based upon a 40-year-old married female driver with full comprehensive and collision coverage and $100 policy deductibles.

Odds are that you may not be 40 years old (or even female), single instead of married, or you have a violation or two on your driving record. Car insurance rates are unique for each driver, so your best chance at finding the cheapest insurance price for your Nissan is to shop your policy around every couple of years.

Cheapest Nissan Rogue Insurance Rates

Your Nissan’s trim level impacts the yearly cost, so the price you will pay to insure a Rogue S 2WD will be $86 less than the cost to insure the more well-appointed Rogue SL AWD version, as shown in the table below.

Table data represents married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Minnesota minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Rate quotes do not factor in specific location information which can revise coverage prices considerably.

Finding dependable, reasonably-priced auto insurance is challenging, and determining which companies offer the lowest-priced car insurance rates for a Nissan Rogue may require even more work. Each auto insurer uses a slightly different approach to set premium rates, so we’ll take a look at the car insurance companies that tend to have lower prices in Minnesota.

It’s important that readers know that Minnesota car insurance rates are impacted by many things which can significantly increase or decrease the cost of your policy. Things like getting older, having a teenage driver, or getting a driving violation can produce rate changes that can cause some rates to be affordable when they were higher priced.

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Travelers generally has some of the best car insurance rates in Minnesota at around $647 a year. USAA, Farm Bureau Mutual, The Hartford, and Western National also rank well as some of the more affordable Minnesota car insurance companies.

As shown above, if you are a policyholder with The Hartford and switched to USAA, you might achieve savings of in the vicinity of $129. Minnesota drivers with Western National might save as much as $130 a year, and West Bend Mutual insureds might lower prices by $165 a year.

To find the cheapest insurance for a Nissan Rogue in Minnesota, click here to get a free quote or click several companies below for low rates.

It’s important to note that these premium estimates are averaged for all types of drivers and the different vehicles they drive and are not factoring in a specific rate factor for a Nissan Rogue. So the insurer that can offer you the best price may not even be in the chart above. That point stresses why you need to compare as many prices as possible using your own specific driver information and vehicle.

Cost of full coverage in Minnesota

Finding the cheapest insurance for a Nissan Rogue in Minnesota should be important to most people, and one of the best ways to find cheaper insurance is to not buy comprehensive and collision coverage. The diagram below shows the difference between auto insurance rates with full physical damage coverage compared to only buying liability only. The costs are based on no accidents, no driving violations, $500 deductibles, drivers are not married, and no discounts are applied.

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If we average all the age groups together, full coverage on your policy costs $1,885 per year over and above liability only. Many people question if you should buy full coverage. There is no clear-cut rule of when to stop paying for physical damage coverage, but there is a general guideline you can use. If the annual cost of comprehensive and collision coverage is 10% or more of replacement cost minus your deductible, then you may want to consider only buying liability coverage.

There are some situations where buying only liability insurance is not a good idea. If you still have a loan on your vehicle, you have to carry full coverage in order to keep the loan. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should not drop full coverage.

The information below shows how different deductible levels can raise or lower premium costs when researching cheap insurance for a Nissan Rogue. The rates are based on a married male driver, full physical damage coverage, and no discounts are applied to the premium.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 3621,3299,2947,2617],[‘Age 30’, 1879,1713,1521,1339],[‘Age 40’, 1805,1651,1477,1309],[‘Age 50’, 1653,1513,1355,1203],[‘Age 60’, 1627,1489,1333,1183],[‘Age 70’, 1875,1723,1557,1397]]);var options = {title: ‘Effect of Deductibles on Nissan Rogue Insurance Rates in Minnesota’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Nissan Rogue’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

In the chart above, a 50-year-old driver could save $298 a year by increasing from a $100 deductible to a $500 deductible, or save $450 by selecting a $1,000 deductible. Young drivers, such as the Age 20 example, can save up to $1,004 annually just by using higher deductibles. When using a larger deductible, it is necessary to have additional savings on hand to cover the extra out-of-pocket expense, which is the main drawback of higher deductibles.

How to find the cheapest insurance for a Nissan Rogue in Minnesota

The list below details a few penny-pinching solutions that can help drivers locate the cheapest car insurance.

• Increase the comprehensive and collision deductibles on your policy
• Good credit scores may make rates cheaper
• If your vehicles are older, consider dropping full coverage
• Maintain a clean driving record
• Safe vehicles generally have lower rates
• Maintain a safe distance and avoid accidents
• Shop around for lower rates once a year

The last idea is remarkably necessary, as we pointed out in this write-up. Prices adjust often, so don’t be unwilling to buy a different policy if a lower price can be found. Being loyal to a particular company is commendable, but we do not recommend it if that dedication is costing big bucks every year. In just a couple of minutes you could compare prices to find cheaper insurance for a Nissan Rogue.

Company comparison: Progressive vs Allstate vs Geico vs State Farm

If you’re looking for the cheapest auto insurance, four companies to take a look at are Progressive, Allstate, Geico, and State Farm. All four offer physical damage and liability coverage, but each has unique coverages that you can select from. The table below breaks down ratings for price and service, as well as some optional coverages you can buy with each company.

Cheapest Nissan Rogue insurance quotes

There are many different ways to purchase car insurance in Minnesota, but the three most common ways are through an exclusive insurance agency such as Allstate or State Farm, an independent insurance agent, or direct online or over the phone from a company like Progressive or Geico. Each way has the same basic steps, but it’s important to understand the differences in how they provide rate quotes.

Independent agents write for multiple companies and can provide price quotes from all of them. Agents of this type have the option to compare multiple rates, which can help you get the best idea of how your rates compare. If your agent finds a cheaper company, it’s simple to move the policy and you do not have to find a new agent.

Exclusive agents are only able to place business with a single company, two popular examples being a Liberty Mutual or State Farm agent. Exclusive agents cannot give you multiple price quotes, so they are skilled at selling on more than just price.

Drivers who opt to buy car insurance direct forego the middleman (the agent) and buy from a direct company like Geico or Progressive. Buying car insurance direct may be a decent choice people who do not need advice for asset protection and have knowledge of what is covered and what is not.

Which method is best to buy the cheapest insurance for a Nissan Rogue in Minnesota? It would be simple to say buying from a direct company results in the cheapest rates since there isn’t an agent involved, but unfortunately, that is not always true. A valid argument could also be made that using an independent agent guarantees the best prices since they have access to many companies, but again, that’s not a true statement. In a lot of cases, the exclusive agents have price quotes that are the lowest in Minnesota.

Since car insurance rates vary so much, the guaranteed way to get rock-bottom rates is to compare, compare, and compare some more. Set aside the time to get price quotes from independent, exclusive, and direct in order to be able to find the lowest price. We compiled a list of companies with some of the cheapest online rates that you can click here to view.