Are 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.
| 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 |
| Get Your Own Custom Quote Go | |||||||
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.
| 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 |
| Get Your Own Custom Quote Go | |||||||
| 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 | |||||||
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 majority of states have mandatory insurance requirements which means you are required to buy a minimum amount of liability insurance coverage in order to be legal. In Nebraska these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you have a lien on your Rogue, it’s guaranteed your bank will require that you have insurance to ensure loan repayment if the vehicle is totaled. If the policy lapses, the bank or lender will purchase a policy for your Nissan at a more expensive rate and require you to reimburse them much more than you were paying before.
- Auto insurance preserves your Nissan and your assets. Insurance will pay for medical transport and hospital expenses for you, any passengers, and anyone injured in an accident. Liability coverage also covers all legal expenses up to the policy limit in the event you are sued. If damage is caused by hail or an accident, collision and comprehensive coverages will pay to repair the damage.
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.
- Employee of Federal Government – Employees or retirees of the government could cut as much as 10% off with a few auto insurance companies.
- No Claims – Drivers with accident-free driving histories can save substantially when compared with drivers who are more careless.
- Military Discounts – Being on active deployment in the military may qualify for rate reductions.
- Discounts for Safe Drivers – Safe drivers may save up to 50% more than their less cautious counterparts.
- Bundle and Save – If you can combine your auto and home policy with the same insurance company you could save up to 20% and get you inexpensive Nissan Rogue insurance in Lincoln.
- Safety Course Discount – Passing a course that instructs on driving safety could possibly earn you a 5% discount if you qualify.
- Switch and Save Discount – Select auto insurance companies give a discount for signing up prior to your current Rogue insurance policy expiration. You could save around 10% when you buy Lincoln auto insurance online.
- Resident Student – Any of your kids who live away from home at college and do not take a car to college can be insured at a reduced rate.
- Pay Early and Save – If you can afford to pay the entire bill instead of monthly or quarterly installments you can actually save on your bill.
- Senior Discount – Drivers that qualify as senior citizens may receive a small decrease in premiums.
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.
- GEICO has savings for good student, defensive driver, multi-vehicle, federal employee, daytime running lights, five-year accident-free, and anti-lock brakes.
- Travelers may offer discounts for driver training, save driver, new car, continuous insurance, and multi-car.
- Farm Bureau has discounts for multi-vehicle, driver training, 55 and retired, safe driver, renewal discount, multi-policy, and youthful driver.
- Liberty Mutual policyholders can earn discounts including new graduate, hybrid vehicle, multi-policy, newly retired, safety features, and new move discount.
- American Family offers premium reductions for defensive driver, bundled insurance, accident-free, good student, and multi-vehicle.
- Progressive may include discounts for multi-policy, good student, continuous coverage, multi-vehicle, and online quote discount.
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.
By 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.
- Brokers Insurance
3325 A St – Lincoln, NE 68510 – (402) 434-0480 – View Map - Davidson Insurance Agency, Inc
5604 South 48th St #6 – Lincoln, NE 68516 – (800) 249-1443 – View Map - Zimmer Insurance Group
3230 S 13th St – Lincoln, NE 68502 – (402) 423-6262 – View Map
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.
- Sarah Kohlhof – State Farm Insurance Agent
1221 N Cotner Blvd #2 – Lincoln, NE 68505 – (402) 466-8245 – View Map - State Farm – Lincoln – Steve Lang
1401 N 66th St Suite 206 – Lincoln, NE 68505 – (402) 467-2272 – View Map - Paul Johnson – State Farm Insurance Agent
5533 S 27th St #204 – Lincoln, NE 68512 – (402) 420-2288 – View Map
Picking the best auto insurance agent needs to be determined by more than just a low price. Here are some questions to ask:
- Do they write coverage based solely on cost?
- How long have they worked with personal auto insurance coverage?
- Does the quote include credit and driving reports?
- Do you need full coverage on every vehicle?
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
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.
- 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.
- 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
- 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.
- 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.
Other resources
- Information for Teen Drivers (GEICO)
- Who Has Cheap Lincoln Car Insurance for a Toyota Camry? (FAQ)
- Who Has Affordable Lincoln Auto Insurance for a Toyota RAV4? (FAQ)
- Who Has Cheap Car Insurance Rates for College Graduates in Lincoln? (FAQ)
- Who Has the Cheapest Car Insurance Rates for Infrequent Drivers in Lincoln? (FAQ)
- Who Has Cheap Lincoln Auto Insurance Rates for a Learners Permit? (FAQ)
- What Car Insurance is Cheapest for Drivers Over Age 50 in Lincoln? (FAQ)
- Who Has Affordable Lincoln Car Insurance Quotes for 16 Year Olds? (FAQ)
- Five Steps to Filing an Auto Insurance Claim (Insurance Information Institute)
- How to Avoid Staged Accidents (State Farm)
- What if I Can’t Find Coverage? (Insurance Information Institute)