Affordable Rate Quotes for Nissan Rogue Insurance in Scottsdale

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Insurance for Nissan RogueIf saving the most money is your goal, then the best way to save on auto insurance rates is to regularly compare price quotes from companies who provide car insurance in Scottsdale.

First, try to learn about policy coverages and the steps you can take to prevent high rates. Many rating factors that cause rate increases such as accidents, careless driving, and an unfavorable credit rating can be amended by making small lifestyle or driving habit changes.

Second, compare rates from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only give prices from a single company like GEICO or Allstate, while independent agencies can give you price quotes from multiple sources. View a list of agents

Third, compare the new rate quotes to your existing coverage to see if a cheaper price is available in Scottsdale. If you find a lower rate quote, make sure there is no coverage gap between policies.

Fourth, provide notification to your current company to cancel your current coverage. Submit a signed application and payment for the new coverage. When you receive it, store the certificate of insurance with the vehicle registration.

A good piece of advice is to use similar coverage information on each quote and and to get prices from as many companies as you can. Doing this enables an apples-to-apples comparison and many rates to choose from.

We don't have to tell you that insurance companies want to keep you from comparing prices. Consumers who shop around for cheaper prices are very likely to buy a new policy because they have a good chance of finding better rates. A recent car insurance study revealed that drivers who compared price quotes annually saved $3,450 over four years as compared to drivers who never compared rates.

If saving money on Nissan Rogue insurance in Scottsdale is your objective, then learning about the best way to quote and compare insurance rates can make it easier to shop your coverage around.

Finding a better price on auto insurance is not a difficult process. All you need to do is spend a little time comparing rates to find out which insurance company has low cost Scottsdale car insurance quotes.

The following companies have been selected to offer free quotes in Scottsdale, AZ. In order to find the best car insurance in Scottsdale, we recommend you get prices from several of them to get the most competitive price.

Best reasons to buy insurance in Arizona

Despite the potentially high cost of Nissan Rogue insurance, maintaining insurance serves a purpose in several ways.

  • Just about all states have mandatory insurance requirements which means you are required to buy specific limits of liability if you want to drive legally. 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 Nissan Rogue has a lienholder, almost every bank will make it mandatory that you have insurance to guarantee loan repayment. If coverage lapses or is canceled, the bank may insure your Nissan for a lot more money and make you pay much more than you were paying before.
  • Insurance protects not only your vehicle but also your financial assets. It will also cover many types of medical costs for you, any passengers, and anyone injured in an accident. One policy coverage, liability insurance, also pays expenses related to your legal defense in the event you are sued. If your car is damaged in a storm or accident, collision and comprehensive coverages will cover the repair costs.

The benefits of carrying adequate insurance greatly outweigh the cost, particularly for liability claims. An average driver in America is currently overpaying as much as $869 every year so it's recommended you shop around each time the policy renews to save money.

Rates and detailed analysis

The data table shown below showcases detailed analysis of insurance prices for Nissan Rogue models. Understanding how premiums are figured can benefit drivers when making smart choices when buying a car insurance policy.

Nissan Rogue Insurance Rates in Scottsdale, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rogue S 2WD $200 $402 $382 $22 $114 $1,120 $93
Rogue S AWD $200 $402 $382 $22 $114 $1,120 $93
Rogue SL 2WD $200 $402 $382 $22 $114 $1,120 $93
Rogue SL AWD $200 $474 $382 $22 $114 $1,192 $99
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Table data represents single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Price information does not factor in garaging location in Scottsdale which can decrease or increase rates greatly.

Higher deductibles lower rates

One of the more difficult decisions when buying insurance is how high should your deductibles be. The comparisons below lay out the rate fluctuation between low and high coverage deductibles. The first set of rates uses a $250 deductible for comp and collision and the second rate chart uses a $1,000 deductible.

Nissan Rogue insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rogue S 2WD $232 $390 $338 $20 $102 $1,107 $92
Rogue S AWD $232 $390 $338 $20 $102 $1,107 $92
Rogue SL 2WD $232 $390 $338 $20 $102 $1,107 $92
Rogue SL AWD $232 $460 $338 $20 $102 $1,177 $98
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Nissan Rogue insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rogue S 2WD $144 $246 $338 $20 $102 $850 $71
Rogue S AWD $144 $246 $338 $20 $102 $850 $71
Rogue SL 2WD $144 $246 $338 $20 $102 $850 $71
Rogue SL AWD $144 $290 $338 $20 $102 $894 $75
Get Your Own Custom Quote Go

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Price information does not factor in vehicle location which can affect premium rates significantly.

Using the premium rates above, we can conclude that using a $250 deductible will cost you roughly $22 more each month or $264 annually than buying the higher $1,000 deductible. Since the policyholder would be required to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to go at a minimum 34 months between claims, you would probably save some money by going with a higher deductible.

The example below illustrates how choosing a deductible and can impact Nissan Rogue insurance premiums for each different age group. The prices are based on a single female driver, full coverage, and no policy discounts are applied.

Impact of speeding/accidents on insurance rates

The diagram below illustrates how violations and at-fault accidents influence Nissan Rogue yearly insurance costs for different age groups of insureds. The premiums are based on a single female driver, full physical damage coverage, $1,000 deductibles, and no discounts are taken into consideration.

Do you qualify for these eight discounts?

Car insurance is not an enjoyable expense, but you might find some hidden discounts that can help lower your rates. Certain credits will be shown when you purchase, but some may not be applied and must be requested specifically in order for you to get them.Save money with discounts

  • Distant Student - College-age children who attend college more than 100 miles from Scottsdale and don't have a car can be insured at a reduced rate.
  • Clubs and Organizations - Participating in qualifying employment or professional organizations could earn you a nice discount when getting a Scottsdale car insurance quote.
  • Service Members Pay Less - Being deployed in the military could mean lower car insurance rates.
  • Theft Deterrent System - Vehicles with anti-theft systems can help prevent theft and will qualify for a discount on a Scottsdale car insurance quote.
  • Payment Method - By paying your entire bill at once rather than paying in monthly installments you may reduce your total bill.
  • Home Ownership Discount - Simply owning a home can save a few bucks since owning and maintaining a home requires a higher level of personal finance.
  • Low Mileage - Low annual miles could be rewarded with cheaper premium rates.
  • Online Discount - A few larger online companies will discount your bill up to fifty bucks for completing your application digitally online.

Discounts reduce rates, but you should keep in mind that most credits do not apply to the entire cost. Some only apply to the price of certain insurance coverages like liability and collision coverage. So even though it sounds like having all the discounts means you get insurance for free, it doesn't quite work that way.

The diagram below visualizes the comparison of Nissan Rogue car insurance rates with and without discounts being applied to the rates. The data is based on a male driver, no violations or claims, Arizona state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, marriage, homeowner, claim-free, and safe-driver discounts applied.

Some of the larger companies that may offer quotes with these money-saving discounts possibly include:

If you need the cheapest Nissan Rogue rate quotes, ask each insurance company which discounts you may be entitled to. Some of the discounts discussed earlier may not be offered in Scottsdale.

When to have guidance from a local insurance agent

Many people would prefer to sit down with an agent and that can be a smart move Licensed agents are trained risk managers and help in the event of a claim. One of the benefits of comparing car insurance online is that you can find the lowest rates and still choose a local agent.

Once you complete this form (opens in new window), your coverage information is instantly submitted to companies in Scottsdale who can give free rate quotes for your car insurance coverage. There is no reason to find an agent as quotes are delivered immediately to you. If you have a need to get a rate quote from a specific car insurance provider, you just need to find their quoting web page to submit a rate quote request.

Deciding on an insurance company shouldn't rely on just a cheap price quote. These questions are important to ask:

  • Does the agent help file claims?
  • Is the agent properly licensed in Arizona?
  • Are they able to influence company decisions when a claim is filed?
  • Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
  • Is vehicle damage repaired with OEM or aftermarket parts?
  • Which companies can they place coverage with?
  • Do they see any coverage gaps in your plan?

When researching a local insurance agency, you need to know there are two different agency structures and how they are distinctly different. Car insurance agencies are either independent or exclusive. Either type can properly insure your vehicles, but it's important to point out the subtle differences since it can impact the selection process.

Exclusive Agencies

Exclusive agents normally can only provide a single company's rates and examples are AAA, Allstate, State Farm, or Farmers Insurance. Exclusive agents cannot place coverage with different providers so you need to shop around if the rates are high. Exclusive agents are highly trained on their company's products which helps them compete with independent agents. Many people choose to use a exclusive agent mainly due to the prominent brand name rather than low rates.

Listed below are exclusive agents in Scottsdale that can give you price quote information.

View more Scottsdale agents

Independent Agencies or Brokers

Agents that elect to be independent are not employed by any specific company and that is an advantage because they can write policies through many different car insurance companies and get you the best rates possible. If they find a lower price, your agent can switch companies and that require little work on your part. When shopping rates, you will want to get quotes from at a minimum one independent agency to get the most accurate price comparison. They often place coverage with smaller companies which could offer lower prices.

The following is a list of independent insurance agents in Scottsdale who can help you get price quotes.

View more Scottsdale agents

What is the best insurance coverage?

Always keep in mind that when comparing the right insurance coverage for your vehicles, there is no "perfect" insurance plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won't apply.Higher deductibles save money For example, these questions can help discover whether or not you could use an agent's help.

  • Do I need roadside assistance coverage?
  • When does my teenage driver need to be added to my policy?
  • What is an umbrella policy?
  • Is a driver training discount available?
  • Will my rates increase for filing one claim?
  • Can I afford low physical damage deductibles?
  • Does every company file a SR-22 automatically?
  • Who sells insurance for high-risk drivers?
  • Am I covered by my employer's commercial auto policy when driving my personal car for business?
  • Are combined or split liability limits better?

If it's difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier It's fast, doesn't cost anything and can help protect your family.

Coverages available on your auto insurance policy

Understanding the coverages of your policy aids in choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Listed below are the usual coverages found on the average auto insurance policy.

Comprehensive auto coverage

This coverage covers damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as hitting a bird, falling objects and a broken windshield. The maximum payout you'll receive from a claim is the actual cash value, so if the vehicle's value is low consider dropping full coverage.

Auto collision coverage

This will pay to fix damage to your Rogue resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as colliding with a tree, colliding with another moving vehicle, backing into a parked car and sideswiping another vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. It's also possible to raise the deductible on your Rogue to bring the cost down.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses such as surgery, funeral costs, ambulance fees and dental work. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Liability auto insurance

Liability coverage can cover damage or injury you incur to other people or property. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 15/30/10 which stand for a $15,000 limit per person for injuries, a per accident bodily injury limit of $30,000, and a limit of $10,000 paid for damaged property.

Liability coverage protects against claims such as pain and suffering, bail bonds, court costs and loss of income. How much liability coverage do you need? That is a decision to put some thought into, but buy higher limits if possible. Arizona requires minimum liability limits of 15/30/10 but you should think about purchasing higher limits.

The illustration below demonstrates why minimum state limits may not be high enough to cover claims.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle's occupants when other motorists are uninsured or don't have enough coverage. Covered losses include injuries to you and your family as well as your vehicle's damage.

Since a lot of drivers carry very low liability coverage limits (15/30/10 in Arizona), it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Be persistent and save

When getting Scottsdale car insurance quotes online, it's not a good idea to skimp on coverage in order to save money. There are a lot of situations where drivers have reduced liability limits or collision coverage and learned later that it was a big error on their part. Your goal is to buy the best coverage you can find at the best cost, but don't skip important coverages to save money.

In this article, we covered many tips how you can find cheap Nissan Rogue insurance in Scottsdale. The key concept to understand is the more you quote Scottsdale car insurance, the better your comparison will be. Drivers may even discover the lowest prices come from a smaller regional carrier. Smaller companies can often insure niche markets at a lower cost compared to the large companies like Progressive and GEICO.

Even more information can be read by following these links: