Buying the cheapest insurance for a Nissan Rogue doesn’t take a lot of effort, but it depends on a pretty complex algorithm that uses a lot of factors such as whether you use your Rogue for business use, whether or not you garage your vehicle, and violations on your driving record. Drivers in Texas pay on average $1,006 a year to insure their Rogue, but that price is an estimate using a 40-year-old single male driver with full physical damage coverage and $1,000 deductibles.
When making auto insurance estimates, the issue arises that you may not be 40 years old (or even male), married instead of single, or maybe you just want liability only instead of full coverage. Auto insurance is unique to each driver, so the best method for finding affordable rates for your Nissan is to compare rates from as many companies as possible. In just a few minutes you can get rates from the best companies that offer coverage in Texas.
Vehicle trim level will influence the cost of insurance, so the cost to insure a Rogue S 2WD model will be $64 cheaper than the insurance cost for the more expensive Rogue SL AWD version, as shown below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Rogue S 2WD||$178||$358||$520||$30||$156||$1,242||$104|
|Rogue S AWD||$178||$358||$520||$30||$156||$1,242||$104|
|Rogue SL 2WD||$178||$358||$520||$30||$156||$1,242||$104|
|Rogue SL AWD||$178||$422||$520||$30||$156||$1,306||$109|
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Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Price information does not factor in specific location information which can increase or decrease premium rates greatly.
Establishing which company quotes the most affordable insurance rates for a Nissan Rogue will require more time in order to find the lowest price quote. Each insurer uses a slightly different approach for determining prices, so we will examine the insurance companies with the most affordable rates in Texas.
Keep in mind that Texas insurance rates are impacted by many factors which can substantially decrease or increase the policy price. Getting older, having a teen driver, or getting a ticket for careless driving may prompt premium changes resulting in some rates now being cheaper than before.
Find Cheaper Auto Insurance for Your Nissan
|Rank||Company||Cost Per Year|
|3||Texas Farm Bureau||$1,199|
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Travelers has some of the cheapest car insurance rates in San Antonio at around $1,021 annually. This is $883 less than the average price paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also make the cut as some of the cheaper San Antonio, TX car insurance companies.
As the example above demonstrates, if you are a policyholder with Texas Farm Bureau and switched to Travelers, you might see a yearly savings of upwards of $178. Policyholders with Germania Mutual could save as much as $273 a year, and Esurance insureds might realize rate reductions of up to $344 a year.
Remember that these premiums are averaged across all types of insureds and vehicles and and are not figured with an exact vehicle garaging location for a Nissan Rogue. So the company that can offer you the lowest price may not even be in the top 23 companies in the list above. That point stresses why you need to compare rates from as many companies as possible using your own personal information and vehicle type.
Insurance rate increases from tickets or accidents
One of the best ways to score affordable insurance rates in San Antonio for a Rogue is to drive attentively and avoid accidents and traffic citations. The chart below demonstrates how speeding tickets and at-fault collisions raise yearly insurance costs for each different age group. The premiums are based on a married female driver, full physical damage coverage, $500 deductibles, and no discounts are taken into consideration.
In the example above, the average cost of a car insurance policy per year with no accidents or violations is $1,735. Add in two speeding tickets and the average cost surges to $2,458, an increase of $723 each year. Then add one accident along with the two speeding tickets and the yearly cost of insurance for a Nissan Rogue jumps again to an average of $3,191. That’s an increase of $1,456, or $121 per month, just for not driving safely!
Get discount San Antonio car insurance
Auto insurance companies that provide policies for a Nissan Rogue may provide discounts that can reduce rates by as much as 35% if you qualify for them. A few of the larger companies and some of their more popular discounts are included below.
- 21st Century offers discounts including student driver, anti-lock brakes, theft prevention, air bags, teen driver, homeowners, and automatic seat belts.
- State Farm may have discounts that include Steer Clear safe driver discount, defensive driving training, safe vehicle, multiple policy, good driver, and student away at school.
- AAA may include discounts for multi-car, good student, AAA membership discount, pay-in-full, good driver, education and occupation, and multi-policy.
- Liberty Mutual offers discounts for newly married, new graduate, hybrid vehicle, safety features, newly retired, and new move discount.
- Progressive has discounts for multi-policy, online quote discount, online signing, good student, homeowner, multi-vehicle, and continuous coverage.
The example below shows the difference between annual premium costs with and without discounts. The premiums assume a female driver, no claims or violations, Texas state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows insurance cost with no discounts. The second shows the rates with accident-free, homeowner, defensive driving course, vehicle safety, multiple vehicle, and marriage discounts applied. In this example, theamount saved on insurance for a Nissan Rogue is 28% or $637.
Here’s why you should compare rates often
San Antonio insurance rates are calculated based on many things that control the price of coverage. Simply improving your credit, moving across town, or having an accident can trigger rate changes that can cause some rates to be cheaper than competitors.
Also, auto insurance companies change rates every year in order to offset underwriting gains or losses. Higher than normal claim frequency or severity can result in rate increases, while a better loss history may result in lower-priced Rogue insurance rates.
To illustrate this point, the chart below shows which companies have the cheapest car insurance in San Antonio, TX for a 40-year-old male driver with a good driving record, no prior claims, and a good credit history. When quoting prices based on his current rating profile, Travelers quotes the cheapest car insurance rates in San Antonio at $1,205 a year. This is $699 less than the average policy premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are also included in the cheapest San Antonio, TX auto insurance companies.
The chart below compares rates after we give the driver from the first example a couple of claims, poor credit, and a blemish on his driving record. Since each insurance company uses their own calculation to set policy rates, comparing prices most likely will result in a new list of companies as shown below.
State Farm now has the cheapest insurance rate in San Antonio with Mercury, USAA, Nationwide, and Safe Auto completing the list. This shows why consumers need to take the time to perform a complete rate comparison to get the lowest insurance rates for a Nissan Rogue. Rates can be altered by many things and can change substantially, so the lowest-price company the last time you shopped around may now not even be in the top five.
Tips for finding the cheapest insurance for a Nissan Rogue
Below you’ll find some of the recommended penny-pinching solutions that can help you buy lower-cost car insurance.
- Do not get into accidents
- Avoid price increases by not filing claims
- Increase your physical damage deductibles
- Do not pay for full coverage if not needed
- Serious violations like DUI or careless driving can make car insurance unaffordable
- Comparison shop frequently
The final tip is certainly valuable, as was emphasized in this piece. Auto insurance prices vary considerably, so don’t be unwilling to change to a new company if a better rate can be found.
Sticking with a specific company is fine, but is isn’t recommended if it’s costing you money that could be spent on other things. Spend a few minutes and compare prices to find cheaper car insurance for a Nissan Rogue in San Antonio.
The San Antonio car insurance agencies listed below can help you make a decision which policy fits your needs best, since many consumers aren’t sure which coverage to buy and prefer to have a little guidance when buying car insurance for a Rogue. It can be hard to find the best policy yourself, and getting advice from a licensed agent can provide peace of mind knowing you have suitable coverage if you ever need to use it. To locate a San Antonio car insurance agency closest to you, click the button below the list.
Grona Boles Martin Bloxsom Insurance Agency
800 Isom Rd # 100 – San Antonio, TX 78216 – (210) 366-5094
Joe Trevino – State Farm Insurance Agent
4951 De Zavala Rd – San Antonio, TX 78249 – (210) 694-0866
Rudy Patino – State Farm Insurance Agent
105 Renner Dr – San Antonio, TX 78201 – (210) 732-9219
Deserae Navarro – State Farm Insurance Agent
5975 Bandera Rd – San Antonio, TX 78238 – (210) 647-7975