Affordable Insurance for a Nissan Rogue in Las Vegas

Do you need a better way to compare cheaper Nissan Rogue insurance in Las Vegas? Feel like you have an under-performing, overpriced insurance policy? You’re preaching to the choir because many consumers are feeling buyer’s remorse and feel like there’s no way out.

A recent insurance study discovered that about 70% of customers kept buying from the same company for well over three years, and just under half have never compared quotes from other companies. Las Vegas consumers could save almost 35% every year by just shopping around, but they just feel it’s too hard to do a rate comparison. Companies like Allstate, Progressive and GEICO all promote huge savings with ad campaigns and it is difficult to ignore the propaganda and find the best price available.

If you are already insured or just want a better rate, you will benefit by learning to shop for the lowest rates and possibly find even better coverage. Buying affordable car insurance in Las Vegas is not that difficult as long as you know where to start. Consumers just have to use the quickest way to compare prices over the internet.

Getting more affordable car insurance pricing is pretty simple and can save money. You just have to take a few minutes to compare rate quotes to find out which insurance company has the cheapest Nissan Rogue rate quotes.

Doing price comparisons online is so simple that it makes it obsolete to call or drive to local Las Vegas insurance agencies. Quoting Nissan Rogue insurance online makes this process obsolete unless your situation requires the professional guidance of an agent trained in personal lines coverage. If you prefer, some companies allow you to get prices online and get advice from an agent in your area.

The following companies offer price quotes in Las Vegas, NV. In order to find the best auto insurance in Las Vegas, we recommend you visit as many as you can to get a more complete price comparison.

Why you need quality insurance for your Nissan Rogue

Despite the high cost of buying insurance for a Nissan Rogue in Las Vegas, insurance may be required for several reasons.

• Almost all states have compulsory liability insurance requirements which means it is punishable by state law to not carry a specific level of liability insurance if you want to drive legally. In Nevada these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
• If your Nissan has a loan, most lenders will require that you buy full coverage to protect their interest in the vehicle. If you do not keep the policy in force, the bank may buy a policy for your Nissan at a much higher rate and require you to reimburse them for the expensive policy.
• Insurance protects not only your car but also your financial assets. It will also pay for many types of medical costs that are the result of an accident. Liability coverage, the one required by state law, also pays expenses related to your legal defense in the event you are sued. If damage is caused by hail or an accident, comprehensive (other-than-collision) and collision coverage will cover the damage repairs after a deductible is paid.

The benefits of having insurance definitely exceed the cost, especially with large liability claims. But the average American driver is overpaying more than $865 each year so you should quote and compare rates every year to make sure the price is not too high.

Nissan Rogue insurance statistics and information

The table below showcases a range of insurance premium costs for Nissan Rogue models. Being aware of how auto insurance prices are formulated can be valuable when making informed purchases.

Price data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Nevada minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Price information does not factor in specific zip code location which can alter premium rates substantially.

Where to set your deductibles

One of the most common auto insurance questions is how high should the physical damage coverage deductibles be. The comparisons below sum up how much more you’ll pay between low and high comp and collision deductibles. The first rate table uses a $100 physical damage coverage deductible and the second price table uses a $500 deductible.

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Nevada minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Premium costs do not factor in vehicle garaging location which can alter coverage rates noticeably.

Based on the figures above, using a $100 deductible will cost you approximately $21 more each month or $252 annually than buying the higher $500 deductible. Since you would have to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you have at a minimum 19 months between claims, you would come out ahead if you choose the higher deductible.

The chart below demonstrates how choosing different deductibles and can affect Nissan Rogue insurance costs for different age groups. The premiums are based on a single female driver, full physical damage coverage, and no discounts are factored in.

Difference between liability only and full coverage rates

The example below illustrates the comparison of Nissan Rogue annual premium costs with full coverage compared to only the Nevada minimum liability coverage. The rates are based on no claims or driving violations, $100 deductibles, drivers are single, and no discounts are factored in.

Should you pay for full coverage?

There isn’t a steadfast formula to stop buying physical damage coverage on your policy, but there is a general guideline. If the annual cost of your full coverage insurance is more than about 10% of the settlement you would receive from your company, then it’s probably a good time to buy liability coverage only.

For example, let’s pretend your Nissan Rogue claim settlement value is $8,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $7,000 after the deductible is paid. If it’s costing you more than $700 annually to have full coverage, then you might want to consider buying only liability coverage.

There are some cases where only buying liability is not advised. If you still owe money on your vehicle, you have to keep full coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle in case of an accident, you should not consider dropping full coverage.

Cheap Las Vegas insurance rates with discounts

Some providers do not list every discount available very well, so the list below contains both the well known and also the more inconspicuous savings tricks you should be using when you buy Las Vegas car insurance online.

• Senior Discount – Drivers that qualify as senior citizens may receive a slight reduction on a Las Vegas car insurance quote.
• Theft Deterrent System – Anti-theft and alarm system equipped vehicles are stolen with less frequency so companies will give you a small discount.
• Telematics Data Discounts – Policyholders that allow data collection to scrutinize when and where they use their vehicle through the use of a telematics system such as Progressive’s Snapshot and State Farm’s In-Drive could see a rate decrease if they are good drivers.
• Active Service Discounts – Having an actively deployed family member may qualify for rate reductions.
• More Vehicles More Savings – Having multiple vehicles on a single policy can reduce rates for all insured vehicles.
• Bundle and Save – If you combine your auto and home policies with the same insurance company they may give you a discount of approximately 10% to 15%.
• Memberships – Being in a professional or civic organization could qualify you for a break when getting a Las Vegas car insurance quote.
• Student Driver Training – Require your teen driver to take driver’s ed class if offered at their school.
• Seat Belt Discounts – Buckling up and requiring all passengers to use a seat belt could cut 10% or more off the personal injury premium cost.
• Payment Method – If you can afford to pay the entire bill rather than paying monthly you can avoid the installment charge.

As a disclaimer on discounts, some of the credits will not apply to the overall cost of the policy. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Even though it may seem like all the discounts add up to a free policy, you aren’t that lucky.

The illustration below illustrates the difference between Nissan Rogue insurance rates with and without discounts. The rate quotes are based on a female driver, a clean driving record, no at-fault accidents, Nevada state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-car, multi-policy, marriage, safe-driver, and homeowner discounts applied.

A few of the larger companies and some of the discounts are outlined below.

• 21st Century has discounts for homeowners, air bags, theft prevention, automatic seat belts, good student, early bird, and anti-lock brakes.
• State Farm offers discounts including Drive Safe & Save, anti-theft, defensive driving training, safe vehicle, and driver’s education.
• AAA offers premium reductions for pay-in-full, good driver, education and occupation, multi-policy, and anti-theft.
• Liberty Mutual includes discounts for new move discount, safety features, exclusive group savings, new graduate, preferred payment discount, hybrid vehicle, and newly married.
• Progressive may include discounts for online signing, multi-policy, continuous coverage, multi-vehicle, and online quote discount.

Before you buy a policy, ask every company the best way to save money. Some of the discounts discussed earlier might not apply everywhere.

Special considerations

When selecting the right insurance coverage, there is no “perfect” insurance plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that can aid in determining if you may require specific advice.

• Why is insurance for a teen driver so high in Las Vegas?
• Where can I get insurance after a DUI in Nevada?
• How do I insure my teen driver?
• What happens if I owe more than my Nissan Rogue is worth?
• Should I buy more coverage than the required Nevada minimum liability coverage?
• Is extra glass coverage worth it?
• Do I need PIP coverage since I have good health insurance?
• What is UM/UIM insurance?
• How many claims can I have before being canceled?
• Do I really need UM/UIM coverage?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with an agent. If you don’t have a local agent, complete this form. It is quick, free and may give you better protection.