No car owner likes having to buy insurance, in particular when their premiums are too high.
It’s easy to assume that insurance companies want to keep you from comparing prices. People who shop for lower rates will most likely switch companies because of the high probability of finding a policy with better rates. A study showed that consumers who compared rates regularly saved an average of $860 a year compared to policyholders who never shopped around.
If finding the best price on insurance in Tucson is why you’re reading this, then having a grasp of how to choose a company and compare cheaper coverage can save time and money. People have multiple insurance companies to insure vehicles with, and although it’s nice to have a selection, having more insurance companies makes it harder to get the best deal for Nissan Rogue insurance in Tucson.
Consumers should take time to compare prices before your policy renews because prices fluctuate regularly. Even if you got the best quotes on Nissan Rogue insurance in Tucson a few years ago you will most likely find a better rate today. Ignore everything you know about insurance because I’m going to let you in on the secrets to the quickest way to find great coverage at a great price.
All major insurance companies like Progressive, GEICO, Allstate and State Farm allow consumers to get insurance quotes direct online. Getting online rates for Nissan Rogue insurance in Tucson is very simple because you just enter the coverages you want as detailed in the form. When complete, the company’s rating system collects information on your driving record and credit history and returns a price. Using the web to get quotes for Nissan Rogue insurance in Tucson streamlines rate comparisons, and it’s absolutely necessary to compare as many rates as possible if you want to get a lower rate.
To save time and compare rates now, take a look at the companies shown below. If you currently have coverage, we recommend you type in the coverages identical to your current policy. This makes sure you’re receiving a rate comparison based on identical coverages.
The car insurance companies shown below are ready to provide quotes in Tucson, AZ. To buy cheap auto insurance in Tucson, we suggest you get price quotes from several of them to get the lowest price.
Why do I need car insurance?
Even though it’s not necessarily cheap to insure a Nissan in Tucson, buying auto insurance serves an important purpose.
- Just about all states have mandatory insurance requirements which means you are required to carry a minimum amount of liability insurance in order to license the vehicle. In Arizona 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 Rogue has a lienholder, most lenders will require you to buy insurance to protect their interest in the vehicle. If the policy lapses, the lender will be forced to insure your Nissan at a significantly higher premium and require you to pay the higher premium.
- Insurance safeguards not only your car but also your assets. Insurance will pay for medical expenses that are the result of an accident. Liability insurance, one of your policy coverages, also pays expenses related to your legal defense if you are sued as the result of your driving. If your Nissan gets damaged, comprehensive and collision coverage will pay all costs to repair after the deductible has been paid.
The benefits of carrying adequate insurance outweigh the cost, especially if you ever need it. Despite what companies tell you, the average driver overpays more than $820 a year so you should quote your policy with other companies once a year at a minimum to ensure rates are inline.
Rates and detailed analysis
The coverage table shown below outlines different coverage prices for Nissan Rogue models. Understanding how car insurance premiums are determined can benefit drivers when making decisions when choosing a new policy provider.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Rogue S 2WD||$210||$388||$458||$28||$136||$1,220||$102|
|Rogue S AWD||$210||$388||$458||$28||$136||$1,220||$102|
|Rogue SL 2WD||$210||$388||$458||$28||$136||$1,220||$102|
|Rogue SL AWD||$210||$456||$458||$28||$136||$1,288||$107|
|Get Your Own Custom Quote Go|
Price data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Rate information does not factor in your specific Tucson location which can raise or lower rates noticeably.
The chart below demonstrates how deductibles and can affect Nissan Rogue yearly insurance costs for each age group. The price estimates are based on a single female driver, comprehensive and collision coverage, and no discounts are taken into consideration.
Full coverage versus liability only rates
The diagram below illustrates the difference between Nissan Rogue car insurance costs with full physical damage coverage compared to only buying liability only. The premiums are based on no violations or accidents, $100 deductibles, single status, and no additional discounts are factored in.
When to eliminate full coverage
There is no clear-cut formula for excluding physical damage coverage on your policy, but there is a general guideline. If the annual cost of your full coverage insurance is 10% or more of the vehicle’s replacement cost less your deductible, then you may want to consider only buying liability coverage.
For example, let’s assume your Nissan Rogue replacement cost is $9,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, you would only receive $8,000 after the policy deductible has been paid. If you are paying over $800 a year for full coverage, then it might be time to consider dropping full coverage.
There are some scenarios where removing full coverage is not a good idea. If you still owe money on your vehicle, you have to keep full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should keep full coverage.
Determine discounts to get cheap Tucson car insurance quotes
Auto insurance companies don’t always list all available discounts very clearly, so we break down both well-publicized as well as some of the hidden credits available to lower your premiums when you buy Tucson auto insurance online.
- Air Bags and Passive Restraints – Options like air bags and/or automatic seat belt systems can receive discounts of 25 to 30%.
- Employee of Federal Government – Active or retired federal employment can earn a discount up to 10% with certain companies.
- Good Students Pay Less – Being a good student could provide a savings of up to 20% or more. You can use this discount normally up to age 25.
- Claim-Free Discount – Tucson drivers who stay claim-free can save substantially compared to insureds who have frequent claims or accidents.
- Drivers Education – Have your child participate in a local driver’s education class as it can save substantially.
- Multi-line Discount – If the company offers life insurance, you could get a lower rate if you buy a life policy as well.
- Renewal Discounts – Some companies reward drivers for switching companies early. It could save around 10% when you buy Tucson auto insurance online.
- Anti-theft Discount – Cars optioned with advanced anti-theft systems are stolen less frequently and will qualify for a discount on a Tucson auto insurance quote.
Drivers should understand that some credits don’t apply to the overall cost of the policy. A few only apply to specific coverage prices like liability, collision or medical payments. Even though it may seem like you can get free auto insurance, it doesn’t quite work that way.
The information below illustrates the comparison of Nissan Rogue auto insurance rates with and without some available policy discounts. The prices are based on a female driver, a clean driving record, no claims, Arizona state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, safe-driver, claim-free, marriage, multi-policy, and homeowner discounts applied.
Companies that may have some of the above discounts possibly include:
Before purchasing a policy, check with all companies you are considering to give you their best rates. Savings may not apply in every state. If you would like to see a list of car insurance companies that offer the discounts shown above in Tucson, follow this link.
Comparing quotes from local Tucson insurance agencies
A small number of people prefer to buy from a local agent and often times that is recommended Good insurance agents can point out coverage gaps and help in the event of a claim. The best thing about comparing auto insurance online is the fact that drivers can get cheap rate quotes and still have an agent to talk to. Buying insurance from local insurance agents is especially important in Tucson.
After completing this short form, your information is immediately sent to participating agents in Tucson who will give competitive quotes for your coverage. You won’t even need to find an agent on your own as quotes are delivered immediately to you. If you need to quote rates from a specific company, you would need to navigate to their website and complete a quote there.
Listed below are Tucson car insurance companies that may be willing to give rate quotes for Nissan Rogue insurance in Tucson.
Rick McGee – State Farm Insurance Agent
7630 N la Cholla Blvd – Tucson, AZ 85741 – (520) 529-4676 – View Map
Finding the right company needs to be determined by more than just the quoted price. Agents should be asked these questions:
- Are they in the agency full-time?
- Does the company use OEM repair parts?
- Does the company have a local claim office in Tucson?
- How much can you save by raising your physical damage deductibles?
- How long has the business existed?
- Is there a Errors and Omissions policy in force?
- Is the agent and/or agency licensed to do business in Arizona?
- What company holds the largest book of business for them?
It’s not one size fits all
When buying the right insurance coverage, there really isn’t a one size fits all plan. Your financial needs are unique.
These are some specific questions can help discover whether your personal situation could use an agent’s help.
- Is my teenager covered with friends in the car?
- Is business property covered if stolen from my car?
- Should I bundle my homeowners policy with my auto?
- What can I do if my company won’t pay a claim?
- I don’t drive much so do I pay less?
- Is a new car covered when I drive it off the dealer lot?
If you can’t answer these questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and you can get the answers you need.
Lower rates by being persistent
People switch companies for any number of reasons including not issuing a premium refund, denial of a claim, extreme rates for teen drivers and questionable increases in premium. Regardless of your reason for switching companies, finding a new insurance company is pretty easy and you might even save some money in the process.
When searching for inexpensive Tucson auto insurance quotes, never reduce coverage to reduce premium. There are a lot of situations where someone sacrificed collision coverage only to regret they didn’t have enough coverage. Your focus should be to purchase a proper amount of coverage at the lowest possible cost, but don’t skip important coverages to save money.
We covered a lot of techniques to reduce Nissan Rogue insurance premium rates online in Tucson. The key concept to understand is the more providers you compare, the more likely it is that you will get a better rate. You may even be surprised to find that the biggest savings come from an unexpected company.
Steps to finding cheaper quotes for Nissan Rogue insurance in Tucson
The most effective way to save money on Nissan Rogue insurance in Tucson is to regularly compare prices from insurers who can sell car insurance in Arizona. This can be done by completing these steps.
- Spend a few minutes and learn about individual coverages and the modifications you can make to prevent expensive coverage. Many things that are responsible for high rates like traffic tickets, fender benders, and an unacceptable credit history can be remedied by improving your driving habits or financial responsibility.
- Compare price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can only quote rates from one company like Progressive or State Farm, while agents who are independent can quote prices from multiple sources.
- Compare the new quotes to your existing rates to see if switching to a new carrier will save money. If you find a lower rate quote, make sure there is no coverage gap between policies.
The most important part of this process is to make sure you enter the same liability limits and deductibles on every price quote and to quote with as many companies as feasibly possible. Doing this provides a fair price comparison and a thorough selection of prices.
Other learning opportunities
- What is a Telematics Device? (Allstate)
- Who Has Cheap Tucson Car Insurance Rates for Government Employees? (FAQ)
- How Much are Car Insurance Rates for Drivers Over Age 60 in Tucson? (FAQ)
- Who Has Cheap Car Insurance Quotes for Drivers with a Bad Driving Record in Tucson? (FAQ)
- Who Has Cheap Auto Insurance for Low Income Drivers in Tucson? (FAQ)
- Who Has Affordable Tucson Car Insurance Rates for a Hyundai Elantra? (FAQ)
- Who Has Cheap Tucson Car Insurance Rates for Uninsured Drivers? (FAQ)
- What Auto Insurance is Cheapest for Hybrid Vehicles in Tucson? (FAQ)
- Who Has Cheap Tucson Car Insurance for Drivers Under 25? (FAQ)
- Who Has Cheap Auto Insurance Quotes for Single Moms in Tucson? (FAQ)
- Protect Yourself Against Auto Theft (Insurance Information Institute)
- Vehicle Insurance in the U.S. (Wikipedia)
- Prepare your Teens for Safe Driving (InsureUonline.org)
- Five Tips to Save on Auto Insurance (Insurance Information Institute)