It’s hard to believe, but almost 70% of drivers in Alaska have bought insurance from the same company for at least the last four years, and almost half have never compared quotes from other companies. Many consumers in America could save themselves roughly $860 a year by just shopping around, but they won’t spend time to find affordable insurance rates.
If saving money is your primary concern, then the best way to get discount Nissan Rogue insurance is to do an annual price comparison from companies in Anchorage.
First, read about what coverages are included in your policy and the things you can control to keep rates in check. Many things that result in higher rates like accidents, careless driving, and an unfavorable credit rating can be amended by improving your driving habits or financial responsibility.
Second, compare rates from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only give prices from a single company like GEICO and State Farm, while independent agents can quote rates for a wide range of insurance providers.
Third, compare the new quotes to your current policy premium and see if you can save money. If you can save money and make a switch, verify that coverage does not lapse between policies.
Fourth, provide notification to your current company to cancel your current car insurance policy. Submit a completed policy application and payment to your new insurance company. Immediately upon receiving it, store the proof of insurance certificate along with your vehicle registration.
An essential thing to point out is to use similar deductibles and liability limits on each price quote and and to get price quotes from as many car insurance companies as possible. This guarantees the most accurate price comparison and the best price selection.
Nissan Rogue detailed coverage information
The coverage table displayed next outlines estimates of coverage costs for Nissan Rogue models. Having a good understanding how insurance quotes are formulated can help guide drivers when making informed coverage decisions.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Rogue S 2WD||$228||$414||$314||$18||$94||$1,068||$89|
|Rogue S AWD||$228||$414||$314||$18||$94||$1,068||$89|
|Rogue SL 2WD||$228||$414||$314||$18||$94||$1,068||$89|
|Rogue SL AWD||$228||$488||$314||$18||$94||$1,142||$95|
|Get Your Own Custom Quote Go|
Cost estimates assume married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Alaska minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Table data does not factor in the specific area where the vehicle is garaged which can change auto insurance rates noticeably.
Safe drivers Anchorage pay cheaper rates
The illustration below shows how traffic citations and at-fault collisions can drive up Nissan Rogue insurance premiums for different insured age categories. The premiums assume a single male driver, full physical damage coverage, $1,000 deductibles, and no discounts are taken into consideration.
Nissan Rogue insurance costs by age and gender
The information below shows the comparison of Nissan Rogue premium costs for male and female drivers. The premiums are based on no violations or accidents, full physical damage coverage, $100 deductibles, drivers are not married, and no discounts are applied.
Full coverage rates vs. liability-only in Anchorage
The diagram below shows the difference between Nissan Rogue insurance costs with full coverage compared to only the Alaska minimum liability coverage. The data is based on a clean driving record, no claims, $100 deductibles, marital status is single, and no discounts are applied to the premium.
When to stop buying comprehensive and collision coverage
There is no exact formula for eliminating full coverage on your policy, but there is a general guideline. If the annual cost of comprehensive and collision coverage is 10% or more of replacement cost minus your deductible, then you might want to think about dropping full coverage.
For example, let’s assume your Nissan Rogue replacement value is $6,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most you would get paid by your company is $5,000 after you pay the deductible. If premium cost is more than $500 annually for full coverage, then it might be time to consider dropping full coverage.
There are some situations where dropping full coverage is not financially feasible. If you have an outstanding loan on your vehicle, you have to maintain full coverage to protect the lienholder’s interest. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should not consider dropping full coverage.
Lower Your Anchorage Insurance Costs
Many things are used when quoting car insurance. Some are pretty understandable like your driving record, but some are not as apparent such as whether you are married and annual miles driven.
Vehicle risk impacts costs – The make and model of the car you are insuring makes a big difference in your rates. The lowest premiums are for small economy passenger models, but that’s not the only thing that factors into the final price.
The following data is based on a married female driver age 40, full coverage with $100 deductibles, and no discounts or violations. The chart compares Nissan Rogue policy rates compared to other models that have a range of performances.
- Annual mileage and car insurance premiums – The higher the mileage driven in a year the more it will cost to insure it. A lot of companies rate vehicles based on their usage. Cars that are left in the garage receive better premium rates than cars that get driven a lot. A policy that improperly rates your Rogue may be costing you higher rates. Make sure your car insurance coverage is rated on annual mileage.
Teen driver insurance costs – Youthful drivers in Alaska are statistically shown to be inattentive when at the wheel of a vehicle so they pay higher car insurance rates. Adding a teenage driver to your car insurance policy can cause a big jump in price. Mature drivers are shown to be more cautious, statistically cause fewer accidents, and receive fewer citations.
The data below uses these assumptions: single driver, full coverage with $500 deductibles, and no discounts or violations.
- Premiums may be higher where you live – Choosing to live in a small town has it’s advantages when it comes to car insurance. Drivers who live in large cities regularly have much more traffic and higher rates of accident claims. Less people living in that area means fewer accidents.
Nissan Rogue claim statistics – Insurers analyze past claim statistics when they file their rates in each state. Vehicles that tend to have a trend towards higher claims will have higher rates. The table shown below demonstrates the compiled insurance loss statistics for Nissan Rogue vehicles.
For each policy coverage type, the statistical loss for all vehicles, as an average, is a value of 100. Values that are under 100 indicate a favorable loss history, while values that are above 100 indicate higher probability of having a loss or larger claims.
Auto Insurance Loss Data for Nissan Rogue Models 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 132BETTERAVERAGEWORSE
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
What is YOUR best insurance company?
As you restructure your insurance plan, never skimp on coverage in order to save money. There are a lot of situations where drivers have reduced liability coverage limits and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. The goal is to buy the best coverage you can find at the best price and still be able to protect your assets.
Insureds leave their current company for any number of reasons including delays in responding to claim requests, questionable increases in premium, delays in paying claims or even extreme rates for teen drivers. Whatever your reason, choosing a new insurance company can be easier than you think.
We just covered some good ideas how you can compare Nissan Rogue insurance auto insurance rates in Anchorage. The key thing to remember is the more providers you compare, the better chance you’ll have of finding cheaper Anchorage car insurance quotes. You may even be surprised to find that the best price on car insurance is with the least-expected company.
Additional car insurance information is available on the following sites:
- Anti-Lock Brake FAQ (iihs.org)
- Who Has Affordable Auto Insurance Quotes for a Nissan Sentra in Anchorage? (FAQ)
- Who Has Affordable Auto Insurance for Handicapped Drivers in Anchorage? (FAQ)
- What Car Insurance is Cheapest for Unemployed Drivers in Anchorage? (FAQ)
- Who Has Affordable Car Insurance Quotes for a Ford Explorer in Anchorage? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for a Nissan Versa in Anchorage? (FAQ)
- Who Has Cheap Auto Insurance Rates for a Ford Fusion in Anchorage? (FAQ)
- Vehicle Insurance (Wikipedia)
- Insurance losses by make and model (Insurance Institute for Highway Safety)
- Older Drivers FAQ (iihs.org)
- Get the Right Protection (InsureUonline.org)