Compare Nissan Rogue Insurance Rates in Plano

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Really, the only way to find lower priced Nissan Rogue insurance in Plano is to make a habit of comparing prices annually from providers who sell auto insurance in Texas.

  • Step 1: Gain an understanding of the different coverages in a policy and the steps you can take to keep rates in check. Many factors that increase rates like your driving record and bad credit can be controlled by making small lifestyle or driving habit changes.
  • Step 2: Compare prices from direct, independent, and exclusive agents. Exclusive and direct companies can only give rate quotes from one company like GEICO or Farmers Insurance, while independent agencies can give you price quotes from multiple insurance companies.
  • Step 3: Compare the new quotes to the price on your current policy and determine if there is any savings. If you find a better price and make a switch, ensure coverage does not lapse between policies.
  • Step 4: Provide written notification to your current company of your intention to cancel your current coverage and submit a down payment along with a signed application to your new company or agent. Once received, keep your new certificate of insurance in your glove compartment.

One tip to remember is to make sure you enter the same physical damage deductibles and liability limits on each price quote and and to get prices from as many companies as feasibly possible. This helps ensure a fair rate comparison and a complete price analysis.

Insurance rates Nissan Rogue in PlanoSmart shoppers know that insurance companies don't want you shop around. Insureds who shop around are highly likely to buy a different policy because they stand a good chance of finding lower rate quotes. A recent car insurance study revealed that consumers who compared rates annually saved over $3,400 over four years as compared to drivers who never shopped around.

If finding the cheapest price for insurance in Plano is your intention, then having a grasp of the best way to quote and compare insurance coverage can help you succeed in saving money.

If you have a current insurance policy, you will most likely be able to reduce premiums using the techniques presented in this article. Quoting the best coverage in Plano is not as time-consuming as you think. Although Texas car owners must comprehend the way companies calculate your insurance rates because rates fluctuate considerably.

Best companies for Nissan Rogue insurance

The companies shown below provide quotes in Plano, TX. If you wish to find cheap car insurance in Texas, it's highly recommended you visit as many as you can to find the most competitive car insurance rates.

Insurance data for a Nissan Rogue

The information displayed next covers different insurance prices for Nissan Rogue models. Learning a little about how auto insurance prices are figured can assist in making decisions when shopping your coverage around.

Nissan Rogue Insurance Rates in Plano, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rogue S 2WD $166 $288 $444 $26 $132 $1,056 $88
Rogue S AWD $166 $288 $444 $26 $132 $1,056 $88
Rogue SL 2WD $166 $288 $444 $26 $132 $1,056 $88
Rogue SL AWD $166 $338 $444 $26 $132 $1,106 $92
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Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Prices do not factor in Plano location which can affect prices considerably.

Higher deductibles save money

A question often asked by Plano drivers is the level to set your comp and collision deductibles. The premium rates below may help to illustrate the rate differences when you buy lower versus higher insurance deductibles. The first set of rates uses a $100 comprehensive and collision deductible and the second price grid uses a $500 deductible.

Nissan Rogue insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rogue S 2WD $328 $592 $430 $26 $128 $1,529 $127
Rogue S AWD $328 $592 $430 $26 $128 $1,529 $127
Rogue SL 2WD $328 $592 $430 $26 $128 $1,529 $127
Rogue SL AWD $328 $698 $430 $26 $128 $1,635 $136
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Nissan Rogue insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rogue S 2WD $240 $400 $430 $26 $128 $1,224 $102
Rogue S AWD $240 $400 $430 $26 $128 $1,224 $102
Rogue SL 2WD $240 $400 $430 $26 $128 $1,224 $102
Rogue SL AWD $240 $472 $430 $26 $128 $1,296 $108
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Premium amounts do not factor in zip code location which can lower or raise premiums greatly.

Using the premium rates above, we can conclude that using a $100 deductible will cost in the ballpark of $25 more each month or $300 annually than quoting the higher $500 deductible. Since you would have to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you normally average at least 16 months between claim filings, you would save more money by going with a higher deductible.

The illustration below illustrates how your choice of deductibles and can increase or decrease Nissan Rogue insurance prices for different age groups. The costs are based on a married male driver, comp and collision included, and no policy discounts are applied.

Nissan Rogue insurance costs by age and gender

The chart below illustrates the difference between Nissan Rogue car insurance costs for male and female drivers. The information is based on a clean driving record, no claims, comprehensive and collision coverage, $250 deductibles, drivers are not married, and no policy discounts are applied.

Rate difference between full and liability-only coverage

The information below compares Nissan Rogue car insurance rates with full physical damage coverage and with liability coverage only. The price estimates are based on a clean driving record, no claims, $500 deductibles, drivers are not married, and no policy discounts are applied.

When to switch to liability coverage only

There is no clear-cut rule of when to exclude physical damage coverage, but there is a general guideline you can use. If the annual cost of comprehensive and collision coverage is more than 10% of the vehicle's replacement cost less your deductible, then it's probably a good time to buy liability coverage only.

For example, let's assume your Nissan Rogue replacement cost is $3,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most you would receive is $2,000 after the deductible is paid. If it's costing in excess of $200 annually for physical damage coverage, then you might consider buying liability only.

There are a few cases where removing full coverage is not in your best interest. If you haven't satisfied your loan, you have to keep full coverage in order to satisfy the requirements of the loan. Also, if you don't have enough money to buy a different vehicle in the even your car is totaled, you should maintain full coverage.

Why You Might Pay Lower Rates in Plano

Many factors are used in the calculation when you get your auto insurance bill. Some are pretty understandable like an MVR report, but other factors are more transparent such as your marital status or your commute time. One of the most helpful ways to save on car insurance is to to have a grasp of the factors that aid in calculating your premiums. If you know what determines premiums, this enables informed choices that can help you get big savings.

The list below includes some of the most common factors used by companies to determine your premiums.

Discounts for auto and home policies - Some car insurance companies afford lower prices to buyers who have multiple policies with them such as combining an auto and homeowners policy. Even with this discount, consumers should still check prices from other companies to guarantee you are still saving the most. You may still save even more by buying car insurance from a different company.

Alarms and GPS tracking lower rates - Buying a car with a theft deterrent system can help lower your rates. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder your car from being stolen.

A good credit history can save money - Having a good credit score is likely to be a major factor in determining your rates. Therefore, if your credit is not that good, you could be paying less to insure your Nissan Rogue by improving your credit score. Insureds with high credit scores tend to file fewer claims as compared to drivers with lower ratings.

Your stress level may be raising your rates - Jobs like real estate brokers, business owners, and accountants tend to have higher rates than average due to stressful work requirements and extremely grueling work hours. On the other hand, careers like farmers, athletes and homemakers receive lower rates.

Don't skimp on liability - Your car insurance policy's liability coverage will afford coverage when you are ruled to be at fault for personal injury or accident damage. Liability insurance provides you with a defense in court which can cost a lot. It is affordable coverage as compared to coverage for physical damage, so do not skimp.

The type of car, truck or SUV makes a difference - The performance level of the car you are buying insurance for makes a substantial difference in determining your rates. The lowest base rates are generally reserved for small economy passenger models, but the cost you end up paying is determined by many additional factors.

The data below uses these variables: married female driver age 50, full coverage with $250 deductibles, and no discounts or violations. The chart compares Nissan Rogue insurance premiums compared to other vehicles that have different performances.

Never have car insurance lapses - Driving without insurance can get you a ticket and you may have a hard time finding new coverage because you let your insurance lapse for non-payment. In addition to paying higher premiums, being ticketed for driving with no insurance might get you fines or a revoked license. You may need to submit proof of financial responsibility or a SR-22 with the Texas DMV.

Lower premiums for safer cars - Safe vehicles are cheaper to insure. Safe vehicles help reduce the chance of injuries in an accident and lower rates of occupant injuries translates directly to fewer claims and cheaper rates on your policy. If the Nissan Rogue is rated at least four stars on Safercar.gov or an "acceptable" rating on iihs.org it may be receiving lower rates.

Nissan Rogue insurance loss probability - Companies include the past claim history for a vehicle to help determine rates. Vehicles that the data determines to have a trend towards higher claims will cost more for coverage. The table below illustrates the insurance loss data used by companies for Nissan Rogue vehicles.

For each type of coverage, the statistical loss for all vehicles as a whole is a value of 100. Values that are under 100 suggest a positive loss record, while percentage numbers above 100 indicate frequent claims or tendency to have higher losses.

Nissan Rogue Insurance Loss Statistics
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

Statistics from IIHS.org for 2013-2015 Model Years

Take advantage of these discounts

Companies that sell car insurance don't always publicize every policy discount in an easy-to-find place, so we researched both the well known and also the lesser-known credits available to lower your premiums when you buy Plano auto insurance online.Save money with discounts

  • Professional Memberships - Joining specific professional or occupational memberships or organizations is a simple method to lower premiums on your policy.
  • Discount for Home Ownership - Just being a homeowner can earn you a little savings because of the fact that having a home requires a higher level of personal finance.
  • Anti-theft Discount - Cars, trucks, and SUVs with anti-theft systems are less likely to be stolen so companies will give you a small discount.
  • Early Renewal Discounts - Select companies give a discount for switching policies early. It's a savings of about 10%.
  • Passenger Safety Discount - Vehicles equipped with air bags or automatic seat belts may qualify for discounts as much as 30%.

Please keep in mind that some of the credits will not apply to the entire cost. Most only apply to the price of certain insurance coverages like medical payments or collision. So even though they make it sound like adding up those discounts means a free policy, insurance companies aren't that generous.

The diagram below shows the difference between Nissan Rogue premium costs with and without discounts being applied to the rates. The rates are based on a female driver, no violations or accidents, Texas state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, claim-free, homeowner, safe-driver, multi-car, and multi-policy discounts applied.

To view companies that offer some of these discounts in Texas, click here.

Independent versus exclusive car insurance agents

Some consumers just want to sit down and talk to an agent and that is not a bad decision A nice benefit of comparing auto insurance online is you may find lower rates but also keep your business local. Putting coverage with neighborhood agents is important especially in Plano.

Find insurance agent in PlanoOnce you complete this form (opens in new window), your insurance data gets sent to local insurance agents that provide free Plano auto insurance quotes for your auto insurance coverage. It makes it easy because there is no need to find an agent as quotes are delivered directly to your email. You can find better rates without having to waste a lot of time. If for some reason you want to get a rate quote from one company in particular, just navigate to their website to submit a rate quote request.

When narrowing the list to find a local Plano insurance agency, there are two types of insurance agents and how they function. Agents are either exclusive or independent (non-exclusive).

Independent Agencies or Brokers

Agents of this type can sell policies from many different companies so they have the ability to put coverage with multiple insurance companies depending on which coverage is best. To move your coverage to a new company, they simply move the coverage in-house which makes it simple for you.

When searching for an agent, we recommend you get quotes from multiple independent agents for the best price selection. Many independent agencies also insure through different regional companies who may have lower rates.

Featured below is a list of independent insurance agents in Plano who may be able to give you free auto insurance rate quotes.

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Exclusive Agencies

Exclusive agents have only one company to place business with and examples are Farmers Insurance, State Farm, or Allstate. Exclusive agents cannot give you multiple price quotes so they really need to provide good service. Exclusive agencies are trained well on their products and sales techniques which helps overcome the inability to quote other rates. Some people will only choose to use an exclusive agent primarily because of the brand name rather than having the cheapest rates.

The following is a short list of exclusive insurance agents in Plano willing to provide price quotes.

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Deciding on an car insurance agent should include more criteria than just a cheap price. The following questions are important to ask.

  • Do they have 24-hour customer assistance?
  • Do the coverages you're quoting properly cover your vehicle?
  • Which insurance companies are they affiliated with?
  • Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
  • Do they prorate repair cost based on vehicle mileage?
  • Can they provide you with a list of referrals?
  • Is the agent and/or agency licensed to do business in Texas?
  • If independent agents, which companies do they recommend?

If you receive satisfactory answers to any questions you may have and a low price estimate, you have narrowed it down to an insurance agent that can adequately provide auto insurance. Keep in mind it's your policy and you can cancel your coverage whenever you want so never assume that you're stuck with any particular company for any length of time.

Quote more to save more

Insureds who switch companies do it for any number of reasons including denial of a claim, high rates after DUI convictions, high prices and even poor customer service. It doesn't matter what your reason, finding a new company can be less work than you think.

When shopping online for car insurance, don't be tempted to skimp on critical coverages to save a buck or two. There have been many cases where an insured dropped full coverage and learned later that it was a big mistake. Your goal should be to buy enough coverage for the lowest price but still have enough coverage for asset protection.

Discount Nissan Rogue insurance in Plano is possible both online and from local insurance agents, and you should be comparing both in order to have the best price selection to choose from. Some companies may not provide internet price quotes and most of the time these smaller providers work with local independent agents.

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