Insurance quote for Nissan Rogue in ProvidenceScraping up a payment for high-priced Nissan Rogue insurance in Providence can stress out your savings and require stricter spending habits.

Unbelievable but true according to a study most auto insurance policyholders kept their policy with the same company for four years or more, and 38% of customers have never even shopped around for cheap coverage. Many consumers in Rhode Island could save themselves almost 15% a year just by shopping around, but they don't believe how much they could save if they switched to a cheaper policy. Because there are so many options for buying lower-cost insurance for a Nissan Rogue in Providence, it can be diffult for drivers to pick the cheapest insurance company.

It's a good idea to do price comparisons at least once a year due to the fact that insurance prices fluctuate regularly. Despite the fact that you may have had the best rates on Nissan Rogue insurance in Providence a couple years back the chances are good that you can find a lower premium rate today. Forget anything you know (or think you know) about auto insurance because we're going to demonstrate one of the easiest ways to get good coverage on Nissan Rogue insurance in Providence at a lower rate.

The most recommended method to compare car insurance rates for Nissan Rogue insurance in Providence is to realize most of the bigger providers provide online access to give you rate quotes. The one thing you need to do is take a few minutes to give details like the year, make and model of vehicles, if you require a SR-22, any included safety features, and what you do for a living. Your insurance information is instantly sent to many of the top insurers and they respond with quotes instantly to find the best rate.

To find lower cheaper Nissan Rogue insurance rates now, click here then complete the form.

The companies in the list below are ready to provide price comparisons in Providence, RI. If more than one company is shown, we suggest you visit several of them in order to find the cheapest rates.

Nissan Rogue Insurance Price Estimates in Providence, RI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rogue S 2WD $350 $630 $458 $28 $138 $1,604 $134
Rogue S AWD $286 $486 $472 $28 $142 $1,414 $118
Rogue SL 2WD $152 $282 $440 $26 $132 $1,032 $86
Rogue SL AWD $244 $530 $440 $26 $132 $1,372 $114
Get Your Own Custom Quote Go

Cost estimates assume married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Rhode Island minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Rates do not factor in garaging location in Providence which can lower or raise auto insurance rates significantly.

Males versus Females

The diagram below shows the comparison of Nissan Rogue premium costs for male and female drivers. The costs are based on no tickets, no at-fault accidents, comprehensive and collision coverage, $500 deductibles, drivers are single, and no discounts are taken into consideration.

How high should deductibles be?

The example below demonstrates how deductibles and can impact Nissan Rogue annual premium costs for different age groups. The price estimates are based on a married male driver, full coverage, and no policy discounts are applied.

Deductible comparison

One of the more difficult decisions when buying auto insurance is how low should you set your deductibles. The figures shown below summarize how much more rates are of buying low and high insurance deductibles. The first set of prices uses a $250 physical damage deductible and the second price grid 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 $314 $528 $458 $28 $138 $1,491 $124
Rogue S AWD $314 $528 $458 $28 $138 $1,491 $124
Rogue SL 2WD $314 $528 $458 $28 $138 $1,491 $124
Rogue SL AWD $314 $622 $458 $28 $138 $1,585 $132
Get Your Own Custom Quote Go
Nissan Rogue insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rogue S 2WD $194 $332 $458 $28 $138 $1,150 $96
Rogue S AWD $194 $332 $458 $28 $138 $1,150 $96
Rogue SL 2WD $194 $332 $458 $28 $138 $1,150 $96
Rogue SL AWD $194 $392 $458 $28 $138 $1,210 $101
Get Your Own Custom Quote Go

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Rhode Island minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Estimates do not factor in zip code location which can affect coverage rates substantially.

We can estimate from the data above that using a $250 deductible will cost in the ballpark of $29 more each month or $348 annually than opting for the higher $1,000 deductible. Due to the fact that you would have to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to average at least 26 months between claims, you would save more money if you opt for a higher deductible.

Get cheaper Nissan Rogue insurance rates in Providence

Auto insurance companies do not list the entire discount list very clearly, so here is a list some of the more common and the harder-to-find auto insurance savings.Discount auto insurance

A little disclaimer on discounts, some credits don't apply to all coverage premiums. Some only reduce specific coverage prices like liability and collision coverage. Despite the appearance that you can get free auto insurance, it just doesn't work that way. But any discount will reduce the premium cost.

To see insurers that offer some of these discounts in Rhode Island, click this link.

Nissan Rogue Insurance Premium Factors

Multiple criteria are part of the equation when quoting car insurance. Some of the criteria are obvious like a motor vehicle report, but other factors are not as apparent like your vehicle usage or your commute time. The best way to find cheaper car insurance is to take a look at the different types of things that go into determining the rates you pay for car insurance. When you know what positively or negatively impacts premium levels, this enables you to make decisions that may result in lower rates.

Safer vehicles are cheaper to insure - Vehicles with high crash test scores tend to have lower insurance rates. Highly rated vehicles reduce the chance of injuries and reduced instances of injuries means less money paid by your insurance company and thus lower rates.

Where you call home plays a part - Having an address in areas with lower population is a positive aspect when it comes to car insurance. People in densely populated areas tend to have more aggressive driving styles and more time behind the wheel. Less people living in that area means reduced accidents as well as less vandalism and auto theft.

Defend yourself with liability protection - Your policy's liability coverage will afford coverage when you are responsible for physical damage or personal injury to other. Your liability coverage provides legal defense coverage up to the limits shown on your policy. This coverage is very inexpensive compared to physical damage coverage, so do not cut corners here.

Lower car insurance rates with alarms and GPS tracking - Buying a car with advanced anti-theft systems can earn a premium discount. Advanced theft deterrents such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help stop auto theft and help lower rates.

When should you not file a car insurance claims? - If you are the type of insured that files lots of claims you can look forward to higher rates. Companies in Rhode Island provide lower rates to insureds who do not rely on their insurance for small claims. Auto insurance is intended for claims that pose a financial burden.

What type of car do you drive? - The performance level of the vehicle you drive makes a substantial difference in your premium level. Due to the fact that the Nissan Rogue is considered a crossover, rates will be slightly more than the average rate where you live in Providence. Lower performance four cylinder passenger cars normally have pretty low rates, but there are many factors that impact the final cost.

Mature drivers save more - Drivers with little experience are statistically proven to be easily distracted when behind the wheel so they pay higher car insurance rates. Adding a teen driver onto a policy can be very expensive. More mature drivers are shown to be more cautious, statistically cause fewer accidents, and are safer drivers.

Low mileage costs less - The higher the miles on your Nissan every year the more you will pay for car insurance. Most companies calculate rates based on their usage. Cars left parked in the garage receive lower rates compared to those used for work or business. Double check that your car insurance coverage shows the correct driver usage. An improperly rated Rogue is throwing money out the window.

Insurance loss data for Nissan Rogue vehicles - Car insurance companies take into consideration insurance loss statistics for every vehicle to help determine prices. Models that have higher claim frequency or loss amount will cost more for specific coverages. The next table shows the loss history for Nissan Rogue vehicles.

For each policy coverage, the statistical loss for all vehiclescombined as an average is represented as 100. Values under 100 imply a favorable loss record, while values that are above 100 point to more claims or statistically larger losses.

Nissan Rogue Insurance Claim Statistics

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 69 154 159 132

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Exclusive or independent insurance agencies

Many drivers still like to sit down and talk to an agent and we recommend doing that Licensed agents can make sure you are properly covered and help you file claims. The biggest benefit of comparing rates online is that drivers can save money and get cheap auto insurance quotes but also keep your business local.

Find insurance agent in ProvidenceAfter completing this simple form, your insurance data is immediately sent to insurance agents in Providence who will give you quotes and help you find cheaper coverage. There is no reason to leave your house because quoted prices will be sent directly to your email. If you need to get a rate quote from a particular provider, you would need to visit that company's website and complete a quote there.

Selecting an provider shouldn't rely on just the quoted price. Any agent in Providence should have no problem answering these questions:

Pick the best auto insurance agent in Providence for you

If you are searching for a local insurance agency, it's important to understand the different types of agencies to choose from. Providence agents are considered either exclusive agents or independent agents. Either can write policy coverage, but it's a good idea to understand the differences because it can impact buying decisions.

Exclusive Auto Insurance Agents

Agents in the exclusive channel can only provide pricing for a single company such as Allstate and State Farm. They generally cannot place coverage with different providers so if the price isn't competitive there isn't much they can do. Exclusive agents are well schooled on what they offer and that can be a competitive advantage.

Listed below is a list of exclusive agencies in Providence who may provide you with price quotes.

760 N Main St - Providence, RI 02904 - (401) 270-3042 - View Map

292 Academy Ave - Providence, RI 02908 - (401) 558-0238 - View Map

187 Douglas Ave - Providence, RI 02908 - (401) 942-0500 - View Map

View more Providence agents

Independent Agencies or Brokers

Independent insurance agents do not have single company limitations so they can insure your vehicles with any number of different companies and possibly get better coverage at lower prices. If prices rise, the business is moved internally which is easy for the insured. When comparison shopping, you absolutely need to get insurance quotes from a couple of independent agencies to get the most accurate price comparison.

The following are Providence independent insurance agents that are able to give rate quotes.

1232 Mineral Spring Ave - North Providence, RI 02904 - (401) 722-6500 - View Map

Insurance Now Inc
381 Wickenden St - Providence, RI 02903 - (401) 455-0155 - View Map

400 Reservoir Ave - Providence, RI 02907 - (401) 467-6966 - View Map

View more Providence agents

Persistent drivers can save

When trying to cut insurance costs, it's not a good idea to reduce needed coverages to save money. There are too many instances where an accident victim reduced liability coverage limits and found out when filing a claim that the few dollars in savings costed them thousands. Your aim should be to find the BEST coverage at the best price, but do not skimp to save money.

Cheaper car insurance in Providence is definitely available online and from local agencies, and you should compare price quotes from both so you have a total pricing picture. Some companies may not offer online price quotes and usually these small, regional companies sell through local independent agents.

More learning opportunities