Nissan Rogue Insurance Quotes in Lincoln

Insurance quote for Nissan Rogue in LincolnAre you frustrated by the sheer number of auto insurance choices in Lincoln? Many other drivers are too. Nebraska vehicle owners have such a vast assortment of choices available that it is a ton of work to find the lowest price for Nissan Rogue insurance in Lincoln. Everyone knows that Lincoln is a wonderful place to live, but having to pay for pricey auto insurance can make it hard to afford proper coverage amounts.

Everyone knows that insurance companies don’t want you to look for a cheaper policy. Drivers who shop around annually will presumably buy a new policy because there is a good chance of finding a lower rate. Remarkably, a study showed that people who compared price quotes annually saved approximately $72 a month as compared to drivers who never shopped around.

If finding the best price on car insurance in Lincoln is why you’re here, then having a good understanding how to compare insurance can help make the process easier and more efficient.

Our objective in writing this article is to teach you a little about the best way to buy inexpensive auto insurance and how you can save the most money. If you’re already insured, you will definitely be able to find better prices using the techniques covered below. But Nebraska drivers must understand how companies charge you for coverage because it can help you find the best coverage.

To find low cost Lincoln auto insurance quotes, there are several ways of comparing rate quotes from many available car insurance companies in Nebraska. The simplest method to find competitive Nissan Rogue insurance rates involves getting comparison quotes online.

When price shopping your coverage, having more price comparisons helps improve the odds of finding a lower rate.

The companies in the list below are ready to provide price comparisons in Nebraska. To buy cheap car insurance in Lincoln, we suggest you compare several of them to get the best price comparison.

Rates and data analysis

The premium information displayed next outlines different insurance prices for Nissan Rogue models. Having knowledge of how prices are formulated can be valuable when making decisions on which insurance to purchase.

Nissan Rogue Insurance Rates in Lincoln, NE
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rogue S 2WD $182 $308 $346 $20 $104 $960 $80
Rogue S AWD $182 $308 $346 $20 $104 $960 $80
Rogue SL 2WD $182 $308 $346 $20 $104 $960 $80
Rogue SL AWD $182 $364 $346 $20 $104 $1,016 $85
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Table data represents married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Nebraska minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Price estimates do not factor in Lincoln location which can increase or decrease auto insurance rates substantially.

Policy deductibles

One common question asked by Lincoln drivers is how high or low should comp and collision deductibles be. The rates below outline the rate fluctuation between high and low insurance deductibles. The first set of rates uses a $250 deductible for comprehensive and collision coverage and the second set of rates uses a $1,000 deductible.

Nissan Rogue insurance policy rates 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 policy rates 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
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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Nebraska minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Prices do not factor in the specific area where the vehicle is garaged which can modify premiums substantially.

Based on the above data, using a $250 deductible will cost you roughly $22 more each month or $264 annually across all Nissan Rogue models than selecting the higher $1,000 deductible. Because you would be required to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to average at least 34 months between claim filings, you would probably be better off if you choose a higher deductible.

How to determine when to raise deductibles

Average monthly premium for $250 deductibles: $94
Average monthly premium for $1,000 deductibles (subtract): – $72
Monthly savings from raising deductible: $22
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $22
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 34 months

Why you need auto insurance

Despite the high cost, insuring your vehicle is required for several reasons.

The benefits of insuring your car are without a doubt worth the cost, particularly if you ever have a claim. Despite what companies tell you, the average driver overpays as much as $865 each year so it’s important to compare rates each time the policy renews to ensure rates are inline.

Cheaper rates with these ten discounts

Companies offering auto insurance don’t always list every available discount very well, so the list below details some of the best known and also the more inconspicuous discounts you could be receiving when you buy Lincoln auto insurance online.Cheaper auto insurance with discounts

One thing to note about discounts is that many deductions do not apply to the overall cost of the policy. Some only reduce the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like it’s possible to get free car insurance, that’s just not realistic.

The diagram below visualizes the comparison of Nissan Rogue auto insurance rates with and without discounts. The data is based on a male driver, no accidents, no driving violations, Nebraska state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, homeowner, claim-free, safe-driver, marriage, and multi-policy discounts applied.

Popular auto insurance companies and some of their more popular discounts are outlined below.

When comparing rates, check with each company to give you their best rates. Discounts might not be offered in your state. To view insurers offering auto insurance discounts in Nebraska, follow this link.

Auto insurance agents can help

Certain consumers would prefer to visit with an insurance agent and that is OK! One of the great benefits of comparing rates online is the fact that you can find cheap rate quotes but still work with a licensed agent. And buying from local agencies is important especially in Lincoln.

Find insurance agent in LincolnBy using this form (opens in new window), your insurance coverage information is transmitted to participating agents in Lincoln who can give free rate quotes for your car insurance coverage. It makes it easy because there is no need to leave your house as quotes are delivered immediately to your email address. Get lower rates without requiring a lot of work. If for some reason you want to quote rates from a specific car insurance provider, just visit that company’s website and give them your coverage information.

The different types of auto insurance agents

When searching for a local Lincoln insurance agent, it’s helpful to know the types of agencies and how they operate. Agents can be classified as either exclusive or independent.

Independent Car Insurance Agencies

Agents in the independent channel do not work for one specific company so as a result can place your coverage through many different car insurance companies and get you the best rates possible. If premiums increase, they simply switch companies in-house which requires no work on your part. When comparing rates, it’s a good idea to get several quotes from a few independent agents in order to compare the most rates. Many can place coverage with companies you’ve never heard of which can be an advantage.

Below is a list of independent insurance agents in Lincoln that may be able to give free price quotes.

More insurance agents

Exclusive Insurance Agencies

Agents that choose to be exclusive can only provide one company’s prices like Farmers Insurance, State Farm, or Allstate. They usually cannot provide rate quotes from other companies so always compare other rates. Exclusive agents are well trained in insurance sales which aids in selling service over price. A lot of people use the same exclusive agent primarily because of the brand name rather than having the cheapest rates.

Listed below is a short list of exclusive agents in Lincoln that are able to give price quote information.

More insurance agents

Picking the best auto insurance agent needs to be determined by more than just a low price. Here are some questions to ask:

Insurance coverage options for a Nissan Rogue

Knowing the specifics of a insurance policy helps when choosing the right coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive coverages

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

Comprehensive insurance covers things like vandalism, hail damage, damage from getting keyed, hitting a bird and damage from a tornado or hurricane. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision protection

Collision coverage will pay to fix damage to your Rogue resulting from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision can pay for things such as colliding with another moving vehicle, colliding with a tree, hitting a mailbox, scraping a guard rail and crashing into a ditch. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. It’s also possible to choose a higher deductible on your Rogue to save money on collision insurance.

Liability coverages

This protects you from injuries or damage you cause to other’s property or people by causing an accident. This insurance protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability can pay for things such as court costs, repair bills for other people’s vehicles, repair costs for stationary objects, structural damage and medical expenses. How much coverage you buy is a personal decision, but you should buy as high a limit as you can afford. Nebraska requires drivers to carry at least 25/50/25 but you should consider buying higher limits.

The illustration below demonstrates why low liability limits may not be enough.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance kick in for bills for things like surgery, chiropractic care, prosthetic devices, dental work and hospital visits. They are used in conjunction with a health insurance plan or if there is no health insurance coverage. Coverage applies to both the driver and occupants and will also cover getting struck while a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured and underinsured coverage

This provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and also any damage incurred to your Nissan Rogue.

Due to the fact that many Nebraska drivers have only the minimum liability required by law (Nebraska limits are 25/50/25), their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally the UM/UIM limits are set the same as your liability limits.

Persistence will pay off

More affordable auto insurance in Lincoln can be found on the web as well as from insurance agents, and you should compare rates from both so you have a total pricing picture. Some auto insurance companies don’t offer online price quotes and these regional carriers only sell coverage through independent agents.

As you prepare to switch companies, it’s very important that you do not buy poor coverage just to save money. There are too many instances where drivers have reduced full coverage to discover at claim time that they should have had better coverage. Your goal should be to purchase a proper amount of coverage at a price you can afford, but do not skimp to save money.

Drivers change insurance companies for a number of reasons such as denial of a claim, unfair underwriting practices, not issuing a premium refund or even policy non-renewal. It doesn’t matter what your reason, finding a great new company is less work than it seems.

Steps to finding better rates for Nissan Rogue insurance in Lincoln

The recommended way to get more affordable auto insurance rates is to compare quotes once a year from insurance carriers that sell auto insurance in Lincoln. You can compare rates by following these guidelines.

  1. Take a little time to learn about how companies price auto insurance and the steps you can take to lower rates. Many policy risk factors that cause rate increases like distracted driving and an unacceptable credit rating can be remedied by being financially responsible and driving safely.
  2. Get rate quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only provide price estimates from a single company like GEICO or State Farm, while independent agencies can provide prices from many different companies. View prices
  3. Compare the price quotes to your current policy premium and determine if there is any savings. If you can save some money, make sure coverage does not lapse between policies.
  4. Provide proper notification to your current company to cancel your current coverage. Submit a down payment along with a signed application for the new coverage. As soon as you have the new policy, safely store the proof of insurance certificate above your visor, in the console, or in the glove compartment.

The critical component of shopping around is to make sure you enter the same physical damage deductibles and liability limits on each quote request and and to get price estimates from as many companies as you can. Doing this provides an accurate price comparison and the best price quote selection.

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