Are you tired of overpaying and want low-cost Nissan Rogue insurance in Charlotte? Nobody that owns a car likes having to buy auto insurance, particularly when the cost is way too high.
It’s a known fact that insurance companies don’t want you shop around. People who shop around for better prices will most likely switch to a new company because of the good chance of finding a policy with more affordable rates. A recent study showed that people who faithfully checked for cheaper rates saved over $850 each year compared to policyholders who don’t make a habit of comparing rates.
If finding discount rates on insurance in Charlotte is your ultimate objective, then having an understanding of how to get price quotes and compare insurance coverage can help you succeed in saving money. Numerous insurance companies battle for your hard-earned dollar, and it can be difficult to compare rates and uncover the absolute cheapest price on Nissan Rogue insurance in Charlotte.
The companies shown below are ready to provide free rate quotes in Charlotte, NC. To get cheap car insurance in Charlotte, NC, we suggest you click on several of them to get the cheapest price.
Statistics and details
The information below showcases different rate quotes for Nissan Rogue models. Having a better idea how insurance policy premiums are determined can help you make informed purchases.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Rogue S 2WD||$214||$386||$282||$16||$84||$982||$82|
|Rogue S AWD||$214||$386||$282||$16||$84||$982||$82|
|Rogue SL 2WD||$214||$386||$282||$16||$84||$982||$82|
|Rogue SL AWD||$214||$456||$282||$16||$84||$1,052||$88|
|Get Your Own Custom Quote Go|
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and North Carolina minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Rate information does not factor in specific location information which can increase or decrease insurance rates substantially.
The illustration below shows how choosing a deductible and can increase or decrease Nissan Rogue insurance premiums for each different age category. The information is based on a married female driver, full physical damage coverage, and no other discounts are factored in.
Impact of citations and accidents on Charlotte insurance rates
The example below highlights how speeding tickets and at-fault claims influence Nissan Rogue car insurance costs for different age groups. The costs are based on a married male driver, comprehensive and collision coverage, $250 deductibles, and no other discounts are factored in.
Nissan Rogue full coverage rates compared to liability only
The illustration below illustrates the difference between Nissan Rogue auto insurance rates with liability coverage only compared to full coverage. The price estimates are based on no accidents, no driving violations, $1,000 deductibles, drivers are not married, and no additional discounts are factored in.
When to stop buying comprehensive and collision coverage
There is no clear-cut formula that is best for determining when to drop full coverage, but there is a general guideline you can use. If the yearly cost for physical damage coverage is more than 10% of any settlement you would receive from your insurance company, then you might want to consider buying only liability coverage.
For example, let’s assume your Nissan Rogue replacement value is $9,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, you would only receive $8,000 after you pay the deductible. If it’s costing in excess of $800 annually for full coverage, then it may be the right time to buy liability only.
There are a few situations where only buying liability is not financially feasible. If you haven’t satisfied your loan, you have to maintain full coverage in order to keep the loan. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should keep full coverage on your policy.
Protect more than your Nissan Rogue
Even though it’s not necessarily cheap to insure a Nissan in Charlotte, insuring your vehicle serves a purpose in several ways.
- The majority of states have compulsory liability insurance requirements which means you are required to carry a minimum amount of liability coverage if you don’t want to risk a ticket. In North Carolina these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you have a lien on your Rogue, most banks will have a requirement that you have comprehensive coverage to ensure they get paid if you total the vehicle. If coverage lapses or is canceled, the bank will be required to insure your Nissan for a lot more money and require you to fork over for the expensive policy.
- Auto insurance preserves both your vehicle and your assets. It also can pay for most medical and hospital costs for yourself as well as anyone injured by you. As part of your policy, liability insurance will also pay to defend you if you are named as a defendant in an auto accident. If mother nature or an accident damages your car, comprehensive and/or collision insurance will pay all costs to repair after the deductible has been paid.
The benefits of having auto insurance are definitely more than the cost, particularly when you have a large claim. As of last year, the average driver in North Carolina is currently overpaying as much as $750 every year so it’s very important to do a rate comparison once a year at a minimum to help ensure money is not being wasted.
You Can Change Your Insurance Prices
Lots of factors are used in the calculation when pricing auto insurance. Most are fairly basic like an MVR report, although others are more transparent such as whether you are married or your vehicle rating.
Lower deductibles cost more – Insurance for physical damage, also called comprehensive and collision insurance, protects your Nissan from damage. Examples of some claims that would be covered would be running into the backend of another car, collision with an animal, and rolling your vehicle. The deductibles tell how much the insured will be required to pay before a claim is paid by your company. The larger the amount you are required to pay out-of-pocket, the less your insurance will be.
More traffic means higher claims – Choosing to live in less populated areas of the country is a good thing if you are looking for the lowest rates. Drivers who live in large cities have to deal with more traffic problems and higher rates of accident claims. Fewer drivers and short commutes translates into fewer accident claims as well as less vandalism and auto theft.
Too many insurance claims will drive insurance rates up – Insurance companies in North Carolina give the lowest premiums to drivers who file claims infrequently. If you tend to file frequent claims, you can look forward to either a policy non-renewal or much higher rates. Insurance coverage is meant to be used in the event of claims that pose a financial burden.
Compare rates if you bundle your policies – Most insurance companies give a discount to clients who consolidate policies with them in the form of a multi-policy discount. Even with this discount applied, it’s still a good idea to comparison shop to make sure you are getting the best deal.
Nissan Rogue historical loss data – Insurers analyze claim trends for every vehicle when they file their rates in each state. Vehicles that tend to have higher losses will cost more for specific coverages. The table below demonstrates the insurance loss data used by companies for Nissan Rogue vehicles.
For each coverage type, the statistical loss for all vehicles, regardless of make, model or trim level, is equal to 100. Values that are 100 or less suggest losses that are better than average, while numbers shown that are more than 100 indicate higher probability of having a loss or a tendency for losses to be larger than average.
|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|
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Earn discounts to get lower-cost Charlotte auto insurance quotes
Some companies don’t always list every policy discount very well, so we break down both the well known and the harder-to-find credits that you can use to lower your rates.
- Anti-lock Brake Discount – Vehicles with ABS and/or traction control prevent accidents and will save you 10% or more on Rogue insurance in Charlotte.
- Safety Course Discount – Taking a course that instructs on driving safety is a good idea and can lower rates if you qualify.
- Onboard Data Collection – People who choose to allow companies to spy on their driving habits by using a telematics device in their vehicle such as State Farm’s In-Drive may see discounts if they show good driving skills.
- Cautious Driver Discount – Drivers who avoid accidents can save as much as half off their rates than drivers with accident claims.
- Paperless Signup – Some auto insurance companies provide a small discount get Charlotte auto insurance on your computer.
- Theft Deterrent System – Cars, trucks, and SUVs equipped with anti-theft or alarm systems are stolen less frequently and therefore earn up to a 10% discount.
Remember that most credits do not apply to the entire policy premium. Most only apply to specific coverage prices like comp or med pay. So when it seems like having all the discounts means you get insurance for free, it just doesn’t work that way.
The illustration below shows the comparison of Nissan Rogue insurance costs with and without discounts being applied to the rates. The rate quotes are based on a female driver, no accidents or driving violations, North Carolina state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, marriage, multi-car, multi-policy, and claim-free discounts applied.
Some of the insurance companies that have these money-saving discounts possibly include:
Check with all the companies which discounts they offer. Some discounts listed above might not apply in your area. To choose providers that offer many of these discounts in Charlotte, click here to view.
Different people need different insurance coverages
When it comes to adequate coverage, there isn’t really a one-size-fits-all type of policy. Everyone’s situation is a little different and a cookie cutter policy won’t apply.
These are some specific questions can help discover whether or not you will benefit from professional help.
- Is my state a no-fault state?
- I don’t drive much so do I pay less?
- What if I owe more than I can insure my car for?
- Why do I only qualify for high-risk insurance?
- Should I waive the damage coverage when renting a car?
- Are my tools covered if they get stolen from my vehicle?
If you can’t answer these questions but a few of them apply then you might want to talk to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies. It’s fast, free and can provide invaluable advice.
Get rate quotes but work with a local Charlotte insurance agent
Many drivers still like to talk to a local agent and that is recommended in a lot of cases Good insurance agents can help determine the best coverages and help submit paperwork. One of the best bonuses of getting online price quotes is that you can find cheap insurance rates but also keep your business local. Buying from local insurance agents is important particularly in Charlotte.
Upon completion of this quick form, the quote information is instantly submitted to agents in your area who want to provide quotes for your business. It simplifies rate comparisons since you won’t have to do any legwork since price quotes are sent to you instantly. If you need to get a rate quote from a specific company, feel free to find their quoting web page and fill out their quote form.
When finding a reliable agent, it can be helpful to understand the different agency structures and how they are slightly different. Agents in Charlotte are classified as either exclusive or independent agents depending on their company appointments. Both types of agents can insure your vehicles, but it’s worth learning the difference in the companies they write for since it could factor into your selection of an agent.
Independent Insurance Agents
Independent insurance agents are not employed by one company and that enables them to quote your coverage with an assortment of companies and find the cheapest rate. To transfer your coverage to a different company, they simply switch companies in-house without you having to go to a different agency. When comparing rates, it’s recommended you get insurance quotes from at least one independent agent to have the best price comparison.
Below is a list of independent agents in Charlotte that can possibly get you free price quotes.
Exclusive Insurance Agents
Exclusive agents generally can only insure with one company and some examples include Allstate, State Farm and Farmers Insurance. Exclusive agents are unable to provide other company’s prices so always compare other rates. Exclusive agents are usually quite knowledgeable in insurance sales which can be an advantage.
Shown below is a list of exclusive agents in Charlotte willing to provide comparison quotes.
Brian McCaw – State Farm Insurance Agent
5950 Fairview Rd #220 – Charlotte, NC 28210 – (704) 554-0144 – View Map
Finding the right car insurance agent is decision based upon more than just the bottom line cost. Ask your prospective agent these questions:
- Will high miles depreciate repair valuations?
- Do they assist clients in filing claims?
- What is their Better Business Bureau rating?
- Does the company use OEM repair parts?
- Will you work with the agent or an assistant?
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
- Does the company have a local claim office in Charlotte?
- Are they primarily personal or commercial lines agents in Charlotte?
If you get good feedback for all questions you ask and an affordable coverage quote, you have narrowed it down to a car insurance agent that will provide insurance coverage. But keep in mind policyholders can cancel your policy any time you want so don’t assume you’re contractually obligated to any specific company for a certain time period.
Affordable car insurance rates are out there
Some car insurance companies may not offer online rate quotes and these small, regional companies only sell through local independent agents. Budget-friendly car insurance in Charlotte is definitely available on the web and from local insurance agents, so you need to compare both to have the best selection.
While you’re price shopping online, do not skimp on coverage in order to save money. There are many occasions where an insured cut full coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. Your goal is to purchase a proper amount of coverage at the best price while not skimping on critical coverages.
Steps to buying lower priced Nissan Rogue insurance in Charlotte
If you want to save money, the best way to get low-cost Nissan Rogue insurance in Charlotte is to compare prices regularly from insurers in North Carolina.
Step 1: Learn about individual coverages and the factors you can control to keep rates down. Many policy risk factors that are responsible for high rates like traffic violations, accidents, and an unacceptable credit rating can be rectified by improving your driving habits or financial responsibility.
Step 2: Compare rates from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only provide price estimates from a single company like GEICO and State Farm, while independent agencies can give you price quotes for many different companies.
Step 3: Compare the new quotes to your existing coverage to determine if you can save on Rogue insurance in Charlotte. If you find a lower rate, make sure there is no lapse in coverage.
An essential thing to point out is that you use similar coverage information on every quote and and to look at as many car insurance companies as possible. This ensures a level playing field and the best price selection.
Helpful learning opportunities
- A Tree Fell on Your Car: Now What? (Allstate)
- Who Has the Cheapest Charlotte Auto Insurance Rates for a Toyota RAV4? (FAQ)
- How Much are Car Insurance Rates for a Subaru Forester in Charlotte? (FAQ)
- Who Has Affordable Car Insurance Rates for Real Estate Agents in Charlotte? (FAQ)
- Who Has Affordable Charlotte Car Insurance for Drivers Over Age 60? (FAQ)
- What Car Insurance is Cheapest for College Graduates in Charlotte? (FAQ)
- Steps to Take After an Auto Accident (Insurance Information Institute)
- Protecting Teens from Drunk Driving (Insurance Information Institute)
- How Much Auto Coverage do I Need? (Insurance Information Institute)