Buying competitive insurance for a Nissan Rogue is normally pretty easy, but it is dependent upon a large number of factors such as the safety rating for your Rogue, whether or not you have prior claims, and driving citations. Drivers in Alaska pay on average $705 annually for Rogue insurance, but that is an estimation based on a 50-year-old married male driver with both comprehensive and collision coverage and $250 deductibles.
This brings up the issue that more than likely you aren’t exactly 50 years old or even a male, maybe you are single instead of married, and you don’t want the same coverages and limits as the example. Just a minor difference in rating criteria or coverage limits may result in a big change in the cost of insurance.
Each driver’s needs are different, and that demonstrates why the way we recommend to find the cheapest coverage for your Nissan is to just compare rates yourself. Quotes only take a couple of minutes and you will get price quotes from top-rated car insurance companies that sell coverage in Alaska.
Your vehicle’s trim level will be a contributing factor to the yearly cost, so the price you pay to insure a Rogue S 2WD model will be $52 cheaper than the cost to insure the more costly Rogue SL AWD trim level, as shown in the chart below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Rogue S 2WD||$164||$302||$296||$18||$88||$868||$72|
|Rogue S AWD||$164||$302||$296||$18||$88||$868||$72|
|Rogue SL 2WD||$164||$302||$296||$18||$88||$868||$72|
|Rogue SL AWD||$164||$354||$296||$18||$88||$920||$77|
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Above prices assume married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Alaska minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Information does not factor in vehicle garaging location which can affect coverage rates significantly.
Best auto insurance in Alaska
Buying coverage from a good quality car insurance company can be difficult considering how many companies there are to choose from in Anchorage. The ranking information in the lists below may help you choose which companies to look at purchasing a policy from. These ratings are only comprised of companies that insure vehicles nationwide, so companies that may only write in Alaska will not be included in the list.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies
The information below shows how different deductible levels can increase or decrease insurance costs when quoting cheap insurance for a Nissan Rogue. Data assumes a single male driver, comp and collision included, and no discounts are applied to the premium.
The chart above illustrates that a 50-year-old driver could save $304 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $454 by switching to a $1,000 deductible. Younger drivers, like the 20-year-old example, have the ability to save up to $1,010 annually by choosing larger deductibles on their policy. If you make the decision to raise deductibles, it is necessary to have additional funds in a savings account to cover the extra out-of-pocket expense, which is the main drawback of higher deductibles.
Here’s why you should compare rates often
Anchorage, AK auto insurance rates are impacted by many things which can substantially change your annual premium. Simply improving your credit, having a claim, or having an accident may generate price changes that may make certain companies cheaper than others. Not only may your situation change, but auto insurance companies file new Alaska auto insurance rates at least once a year in order to protect their financial rating. An extended period of higher than normal claims may cause increased policy costs, while a better loss history may cause lower-priced Rogue insurance rates.
The chart below shows a variety of companies that have the cheapest car insurance in Anchorage, AK for a 35-year-old female driver with a good driving record, no prior claims, and a good credit rating. If we estimate rates based on her current risk profile, Umialik offers the best car insurance rates in Anchorage at $1,147 each year. This is $396 less than the average rate paid by Alaska drivers of $1,543. State Farm, USAA, Progressive, and GEICO are also included in the most affordable Anchorage, AK auto insurance companies.
The chart below compares rates after we give the driver in the first example an accident claim, a lower credit score, and a few traffic violations. Because each insurer uses their own calculation for determining rates in each state, getting updated rate quotes could result in a substantially altered list of affordable companies as shown below.
USAA now has the best auto insurance rate in Anchorage, AK with State Farm, Umialik, Progressive, and Safeco also being competitive. This example demonstrates why drivers need to compare many different companies to get the most budget-friendly car insurance quotes for a Nissan Rogue.
Car insurance prices consist of many factors and can change substantially, so the best company two years ago may now be costing you a lot of money.
How to find more affordable insurance for a Nissan Rogue
Below you’ll find some money-saving ideas that can help Anchorage drivers get more affordable car insurance.
- Higher credit ratings may save you money
- Raise deductibles
- Avoid filing excessive claims
- At-fault accidents will increase rates
- Keep your driving record clean
- Buying home and auto insurance together can earn discounts
- Ensure you have the best deal by shopping around regularly
The last item on the list is especially important, as we stressed in this write-up. Rates change frequently, so don’t be unwilling to switch companies if a lower price can be found. Staying with the same car insurance company is fine, but it’s not a great idea if that inflexibility results in costing you hundreds every year. Now is a great time to shop around to find cheaper insurance for a Nissan Rogue in Anchorage.
The agents shown below are willing to help you make a decision which policy is best, since some people prefer to get some professional advice when shopping for the best coverage for a Rogue. It can be time-consuming to do it yourself, and getting advice from a licensed Alaska insurance agent can provide you comfort knowing your policy gives you adequate asset protection.
To find an agent near you, click the button at the bottom.
- Allstate Insurance: M. Diane Johnson
4045 Lake Otis Pkwy Ste 206 – Anchorage, AK 99508 – (907) 569-6900
- Dewar Insurance Agency
205 E Benson Blvd – Anchorage, AK 99503 – (907) 258-8888
- Allstate Insurance: Stan Tebow
3701 E Tudor Rd Ste 105 – Anchorage, AK 99507 – (907) 562-2645