Cheapest Insurance Quotes for a Nissan Rogue in Georgia

We always joke that when we write about auto insurance, the word “cheap” should never appear anywhere in the article to describe car insurance prices. The fact is, cheap car insurance for a Nissan Rogue can be difficult to find. Don’t let that discourage you, because we are going to tell you how you can still get auto insurance that is cheaper than your current rate.

The odds of finding cheaper insurance for a Nissan Rogue in Georgia hinges on a calculation that uses factors like the safety features built into your vehicle, the performance level of your vehicle, and any driving offenses on your record. Drivers pay approximately $910 per year to buy Nissan Rogue insurance, but that price is a projection calculated using a 50-year-old married male driver who purchased both comprehensive and collision coverage and $500 policy deductibles.

When making auto insurance estimates, the issue arises that you may not be 50 years old (or even male), single instead of married, or maybe you just want liability only. Having what appears to be a very minor change in rating variables can produce large changes in the coverage rate.

This illustrates why the best way to find the cheapest insurance price for your Nissan is to do a thorough rate comparison. Quotes are always free and you can get rates from the cheapest companies that offer coverage in Georgia.

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The specific model of Rogue will be a contributing factor to the cost of coverage, so the price you will be charged to insure a Rogue S 2WD will be $62 less than the cost to insure the more expensive Rogue SL AWD version, as demonstrated by the prices below.

Prices based on married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Georgia minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Rate quotes do not factor in specific location information which can raise or lower price quotes considerably.

Finding cost effective car insurance is confusing at best, and deciding which insurers offer the most affordable car insurance rates for a Nissan Rogue involves a little more work. Each insurer uses slightly different criteria to set their prices, so let’s begin by examining the lowest cost car insurance companies in Georgia.

We do need to point out that Georgia car insurance rates are calculated based on many things that may substantially change the price of coverage. This price variability is why consumers need to shop around with many companies to find the most affordable car insurance rates for a Nissan Rogue. Insurance prices consist of many risk factors and can change without notice, so the cheapest option a year ago may now be priced much higher than other options.

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Auto-Owners may offer some of the best car insurance rates in Georgia at around $855 each year. The Hartford, USAA, Central Mutual, and Georgia Farm Bureau also rank well as some of the cheapest Georgia insurance companies.

As illustrated above, if you are a customer of Central Mutual and switched to The Hartford, you may see yearly savings of in the neighborhood of $298. Policyholders with Georgia Farm Bureau might save as much as $365 a year, and MetLife policyholders might lower prices by up to $369 a year.

It’s important to note that these premiums are averaged for all insureds and vehicles and and are not figured with a specific rating modification for a Nissan Rogue. So the company that has the cheapest price for you may not even be featured in the rate chart shown above. That underscores the importance of why you need to get car insurance quotes using your own driver data and vehicle information.

How careless driving impacts car insurance rates

In a perfect world, the best way to enjoy the best car insurance rates in Georgia for a Rogue is to drive attentively and not get tickets or have accidents. The example below illustrates how traffic citations and at-fault fender-benders can impact insurance costs for different age groups of insureds. Data assumes a single male driver, full coverage, $250 deductibles, and no discounts are applied to the premium.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and One Accident’],[‘Age 20’, 4423,5259,6103],[‘Age 30’, 2309,3147,3993],[‘Age 40’, 2273,3105,3949],[‘Age 50’, 2067,2905,3751],[‘Age 60’, 2001,2839,3683],[‘Age 70’, 2455,3293,4139]]);var options = {title: ‘Effect of Citations and Accidents on Georgia Nissan Rogue Insurance’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Insurance Cost for a Nissan Rogue in Georgia’,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);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the example above, the average cost of a car insurance policy per year with a clean driving record and no accidents is $2,588. Get two speeding tickets and the average cost increases to $3,425, an increase of $837 each year. Now add one accident along with the two speeding tickets and the yearly cost of car insurance for a Nissan Rogue increases to an average of $4,270. That’s an increase of $1,682, or $140 per month, just for not being a responsible driver!

Should you buy full coverage?

Finding the cheapest insurance for a Nissan Rogue in Georgia is the goal of the majority of vehicle owners, and a great way to save on the cost of insurance is to only buy liability coverage. The illustration below shows the difference between auto insurance rates with and without physical damage coverage. The premiums are based on no accidents or driving violations, $1,000 deductibles, single status, and no policy discounts are applied.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $1,000 Deductibles’, ‘Liability Only’],[‘Age 20’, 3761,1571],[‘Age 30’, 1953,859],[‘Age 40’, 1911,797],[‘Age 50’, 1747,745],[‘Age 60’, 1697,733],[‘Age 70’, 2125,981]]);var options = {title: ‘Full Coverage Rates Versus Liability Only Rates’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Nissan Rogue in Georgia’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibfcl’));chart.draw(data, options);}

Averaged out for all age groups, comp and collision coverage costs $2,199 per year more than buying just liability insurance. That may make you wonder if buying full coverage is worth the expense. There is no clear-cut rule to drop physical damage coverage, but there is a general convention. If the annual cost of comprehensive and collision coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then it’s probably a good time to buy liability coverage only.

For example, let’s assume your vehicle’s settlement value is $11,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most your company will settle for is $10,000 after paying your deductible. If you are paying more than $1,000 a year for full coverage, then it might be time to buy liability only.

Who has the cheapest Nissan Rogue insurance quotes?

Thanks to technology, drivers have a lot of ways to find affordable car insurance in Georgia, but the most popular are from a captive (or exclusive) agency like Liberty Mutual or State Farm, an independent or non-exclusive agent, or direct either online or via phone. All three ways are similar, but each is slightly different in how they provide rate quotes.

Independent agents have contracts with many companies and can compare coverage rates with each one. These types of agencies are not employed by one specific company and can get prices from more than one company, which may provide you with a better overall rate comparison. If they find a lower price, the business is moved internally and you can keep the same agent.

A captive or exclusive agent is only able to place business with a single insurance company, two examples being a Farmers or Allstate agent. These agents are not able to provide other companys’ prices, so if the price isn’t competitive there isn’t much they can do.

Buying direct means you forego an independent or exclusive agent and instead buy buying direct from a company like Progressive or Geico. Shopping direct is a good choice for drivers who do not need high levels of coverage and know the limitations of their policy.

Which method is best to find the cheapest insurance for a Nissan Rogue in Georgia? We would first guess that buying from a direct company results in the cheapest rates since it doesn’t require paying agent commissions, but that turns out to not be true. It would also be easy to say buying from an independent agent guarantees the cheapest rates because they can quote many companies, but again, that’s not a true statement. In many circumstances, exclusive agencies have price quotes that are the lowest in Georgia.

Since car insurance prices vary so much, really the only way to get rock-bottom rates is to get rate quotes and compare. Money-saving experts recommend you get rate quotes from all three to have a good selection of rates to choose from. For a list of companies with online discounts, click here to view.