Compare Nissan Rogue Insurance Quotes in Tampa

It’s an obvious statement that auto insurance companies don’t want you quoting rates from other companies. Insureds who compare price quotes are inclined to switch to a new company because of the good chance of finding a lower-priced policy. A recent study showed that drivers who compared rates annually saved as much as $865 annually compared to drivers who never shopped around.

If finding budget-friendly rates on insurance in Tampa is your goal, then having some insight into the best ways to find and compare insurance rates can make it easier for you to save money.

It takes a few minutes, but the best way to get budget Nissan Rogue insurance is to regularly compare prices from providers who sell insurance in Tampa. You can compare prices by completing these steps.

1. Gain an understanding of how insurance companies determine prices and the measures you can take to prevent expensive coverage. Many rating factors that cause high rates like traffic violations, accidents, and an imperfect credit rating can be rectified by paying attention to minor details.
2. Compare price quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can provide rates from one company like GEICO and Allstate, while independent agencies can quote prices from multiple companies.
3. Compare the new rate quotes to your current policy premium and determine if cheaper Rogue coverage is available in Tampa. If you can save some money, make sure the effective date of the new policy is the same as the expiration date of the old one.

The most important part of this process is that you use similar deductibles and liability limits on each quote and and to get prices from all possible companies. This enables a fair price comparison and maximum price selection.

Lower rate quotes on Nissan Rogue insurance in Tampa with these auto insurance discounts

Insuring your vehicles can cost a lot, but companies offer discounts that may help make it more affordable. Certain discounts will be applied at the time of quoting, but a few must be specially asked for before you will receive the discount.

• ABS and Traction Control Discounts – Cars, trucks, and SUVs that have anti-lock braking systems are safer to drive and will save you 10% or more on Rogue insurance in Tampa.
• Low Miles Discount – Low annual miles could be rewarded with lower auto insurance rates due to less chance of an accident.
• Student Discount for Driver Training – Require your teen driver to enroll and complete driver’s education as it can save substantially.
• Discounts for Multiple Vehicles – Having primary and secondary vehicles on a single policy qualifies for this discount.
• No Claim Discounts – Tampa drivers who stay claim-free can save substantially as compared to drivers who are more careless.
• Military Rewards – Being deployed in the military could qualify you for better auto insurance rates.
• Good Driver Discounts – Insureds without accidents may save up to 50% more than their less cautious counterparts.

Discounts reduce rates, but you should keep in mind that some credits don’t apply to the overall cost of the policy. Some only reduce specific coverage prices like physical damage coverage or medical payments. So even though it sounds like you could get a free auto insurance policy, auto insurance companies aren’t that generous.

The illustration below visualizes the comparison of Nissan Rogue auto insurance rates with and without some available policy discounts. The information is based on a female driver, no driving violations, no at-fault accidents, Florida state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-policy, claim-free, multi-car, safe-driver, and homeowner discounts applied.

A few of the larger companies and some of the discounts are:

• American Family has discounts for TimeAway discount, mySafetyValet, early bird, Steer into Savings, good student, and accident-free.
• Farm Bureau offers premium reductions for multi-policy, youthful driver, driver training, 55 and retired, good student, and safe driver.
• State Farm discounts include multiple autos, accident-free, passive restraint, driver’s education, anti-theft, student away at school, and multiple policy.
• Travelers has savings for new car, early quote, driver training, hybrid/electric vehicle, home ownership, and multi-policy.
• The Hartford may have discounts that include defensive driver, air bag, anti-theft, good student, and vehicle fuel type.
• GEICO includes discounts for anti-lock brakes, multi-policy, membership and employees, five-year accident-free, and seat belt use.
• Progressive policyholders can earn discounts including continuous coverage, multi-policy, multi-vehicle, homeowner, online signing, good student, and online quote discount.

If you need the cheapest Nissan Rogue rate quotes, ask all companies you are considering which discounts you qualify for. Depending on the company, some discounts may not be available in your area. If you would like to view providers with the best discounts in Florida, follow this link.

The quickest method we recommend to compare car insurance rates for Nissan Rogue insurance in Tampa takes advantage of the fact most insurance companies participate in online systems to provide you with a free rate quote. The only thing you need to do is provide a small amount of information like your education level, any included safety features, if the vehicle is leased, and marital status. Your details is automatically sent to multiple top-rated companies and they respond with quotes with very little delay.

If you wish to get multiple quotes for your Nissan Rogue now, click here and find out if you can get cheaper insurance in Tampa.

The companies shown below can provide price quotes in Florida. If multiple companies are listed, it’s a good idea that you visit two to three different companies to get a more complete price comparison.

Insurance coverage details

The information below showcases estimates of prices for Nissan Rogue models. Being able to understand how rates are calculated is important for drivers to make smart choices when choosing a car insurance company.

Data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Premium costs do not factor in specific location which can alter premium rates considerably.

Policy deductibles

One of the most common car insurance questions is how high should the physical damage coverage deductibles be. The tables below summarize the rate fluctuation when you buy lower versus higher policy deductibles. The first set of rates uses a $250 deductible for comprehensive and collision coverage and the second pricing table uses a $1,000 deductible.

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Premium costs do not factor in garaging location in Tampa which can lower or raise prices considerably.

Based on the above data, using a $250 deductible will cost in the ballpark of $30 more each month or $360 each year than buying the higher $1,000 deductible. Because you would pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you normally go at a minimum 25 months between claim filings, you would more than likely save some money by going with a higher deductible.

The information below shows how choosing a deductible and can raise or lower Nissan Rogue premium costs for each age group. The premium estimates are based on a married male driver, full physical damage coverage, and no policy discounts are applied.

How Insurance Providers Calculate Nissan Rogue Insurance Costs

A large part of saving on car insurance is knowing the different types of things that play a part in calculating your car insurance rates. If you know what positively or negatively impacts your premiums, this allows you to make good choices that can earn you lower car insurance prices.

The list below includes most of the major factors that factor into your prices.

• Low coverage deductibles mean high rates – Coverage for physical damage, termed comprehensive and collision coverage on your policy, covers damage that occurs to your Nissan. Some instances where coverage would apply could be running into the backend of another car, damage caused by hail, and damage caused by flying debris. Physical damage deductibles are the amount of money you are willing to pay if a claim is determined to be covered. The higher the amount you’re willing to pay, the lower your rates will be.
• Pay more if you have a long commute – Choosing to live in areas with lower population has it’s advantages when trying to find low car insurance rates. Drivers in populated areas have more aggressive driving styles and more time behind the wheel. Less people means fewer accidents.
• Car insurance liability limits – The liability coverage on your policy provides coverage in the event that a jury decides you are liable for an accident. It will provide for a legal defense which can cost a lot. This coverage is very inexpensive compared to other policy coverages, so do not cut corners here.
• Do you know you’re credit rating? – Having a good credit history can be an important factor in determining your rates. Drivers who have excellent credit scores tend to be more responsible than those with lower credit ratings. If your credit rating leaves room for improvement, you could pay less to insure your Nissan Rogue by repairing your credit.
• Prices can be impacted by your job – Jobs such as real estate brokers, airline pilots, and miners generally have the highest rates attributed to stressful work requirements and long work hours. On the flip side, occupations like farmers, athletes and retirees pay the least.

• Insurance prices and driver gender – Statistics show women tend to be less risk to insure than men. However, don’t assume that females are better at driving than males. They both cause accidents in similar numbers, but the males cause more damage. Men also tend to receive more major tickets such as driving while intoxicated (DWI) or driving recklessly. Males from age 16 to 21 generally have the highest accident percentage and therefore are the most expensive to insure.

  The example below shows the difference between Nissan Rogue insurance costs for male and female drivers. The price estimates are based on no violations or claims, comprehensive and collision coverage, $500 deductibles, single marital status, and no other discounts are factored in.

• Stay claim-free and save money – Companies in Florida generally give better rates to drivers who are claim-free. If you frequently file small claims, you can definitely plan on increased rates or even have your policy non-renewed. Your insurance policy is intended for claims that pose a financial burden.
• Car features that lower premiums – Purchasing a vehicle that has an advanced theft prevention system can earn a premium discount. Anti-theft features such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems can thwart car theft and help bring rates down.

• Insurance loss probability for a Nissan Rogue – Companies include the past claim trends for vehicles to calculate a rate that offsets possible losses. Vehicles that the data shows to have higher claim amounts or frequency will have higher rates for specific coverages.

  The data below shows the loss history for Nissan Rogue vehicles. For each coverage type, the statistical loss for all vehicles combined as an average is a value of 100. Values that are under 100 suggest a positive loss record, while values that are 100 or greater point to more losses or a tendency for losses to be larger than average.

  
  

  Insurance Loss Ratings for Nissan Rogue Vehicles

  Vehicle Make and Model	Collision	Property Damage	Comp	Personal Injury	Medical Payment	Bodily Injury
  Nissan Rogue 4dr 2WD	94	91	77	116	108	93
  Nissan Rogue 4dr 4WD	94	92	79	117	106	87
  Nissan Rogue Select 4dr 2WD	100	119	69	165	169	115
  Nissan Rogue Select 4dr 4WD	107	136	69	154	159	132

  BETTER

  AVERAGE

  WORSE

  Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Shop online but buy locally

A small number of people would rather talk to an insurance agent and there is nothing wrong with that. Good insurance agents can answer important questions and give you someone to call. One of the best bonuses of comparing rates online is that you can find lower rates and still choose a local agent. Buying from and supporting local agencies is definitely important in Tampa.

After completing this quick form, the quote information is submitted to local insurance agents in Tampa who will give competitive quotes for your coverage. There is no need to find an agent on your own since price quotes are sent to you instantly. If you have a need to compare prices from a specific auto insurance provider, don’t hesitate to jump over to their website and submit a quote form there.

Finding a good insurer should include more criteria than just the quoted price. Any good agent in Tampa should know the answers to these questions.

• Is the agent properly licensed in Florida?
• Is vehicle mileage a factor when determining depreciation for repairs?
• What are their preferred companies if they are an independent agency?
• How much can you save by raising your physical damage deductibles?
• Do you qualify for any additional discounts?
• Do the agents have professional certifications like CPCU or CIC?

If you feel you receive reasonable responses as well as cheaper Rogue insurance quotes, it’s a good possibility that you have found an insurance company that is reliable enough to service your policy.

Auto insurance in Florida serves several purposes

Despite the potentially high cost of Nissan Rogue insurance, insuring your vehicle is required by state law in Florida and it also provides benefits you may not be aware of.

• Almost all states have minimum liability requirements which means you are required to buy specific minimum amounts of liability in order to license the vehicle. In Florida these limits are 10/20/10 which means you must have $10,000 of bodily injury coverage per person, $20,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
• If you bought your Nissan Rogue with a loan, it’s guaranteed your bank will require that you have full coverage to guarantee loan repayment. If coverage lapses or is canceled, the bank will be required to insure your Nissan at a much higher premium rate and force you to pay for it.
• Insurance protects not only your vehicle but also your financial assets. It will also provide coverage for most medical and hospital costs for not only you but also any passengers injured in an accident. Liability coverage, the one required by state law, also covers all legal expenses up to the policy limit if you are sued as the result of your driving. If you receive damage to your vehicle caused by a storm or accident, comprehensive and/or collision insurance will pay all costs to repair after the deductible has been paid.

The benefits of having insurance outweigh the cost, particularly when you have a large claim. An average driver in America overpays more than $865 each year so you should quote and compare rates at least once a year to save money.

Cheap coverage is out there

You just learned many ways to get a better price on Nissan Rogue insurance in Tampa. It’s most important to understand that the more rate comparisons you have, the better chance you’ll have of finding affordable Tampa auto insurance quotes. Consumers could even find that the best price on auto insurance is with some of the smallest insurance companies. These companies often have lower premium rates on specific markets as compared to the big name companies such as Progressive or GEICO.

As you restructure your insurance plan, it’s a bad idea to buy lower coverage limits just to save a few bucks. In too many instances, an accident victim reduced full coverage only to find out that the small savings ended up costing them much more. Your aim should be to buy a smart amount of coverage at the best cost, but don’t skip important coverages to save money.

Other information

• Uninsured Motorists: Threats on the Road (Insurance Information Institute)
• How Much is Car Insurance for Felons in Tampa? (FAQ)
• Child Safety Seats (Insurance Information Institute)
• Should I Buy a New or Used Car? (Allstate)
• Can I Drive Legally without Insurance? (Insurance Information Institute)