Nissan Rogue Insurance Quotes in Virginia Beach

Feel like you have an expensive auto insurance policy? You’re preaching to the choir because many consumers are feeling buyer’s remorse and feel like there’s no way out.

Insurance for Nissan RogueIt’s astonishing, but the vast majority of drivers have purchased from the same company for at least four years, and practically 40% of auto insurance customers have never compared rates with other companies. Consumers in the United States could save approximately 46.5% every year just by comparing rates, but they don’t know how much they could save if they replace their high priced policy.

How to buy affordable Nissan Rogue insurance in Virginia Beach

If you want to save the most money, the best way to find discount Nissan Rogue insurance is to begin comparing prices regularly from insurance carriers in Virginia Beach. Rate comparisons can be done by following these guidelines.

Step 1: Read and learn about policy coverages and the things you can change to lower rates. Many factors that result in higher rates such as accidents, traffic violations, and an unfavorable credit rating can be eliminated by making minor changes in your lifestyle. Read the full article for more details to find cheap rates and get discounts that may be available to you.

Step 2: Obtain price quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only give rate quotes from one company like Progressive or State Farm, while independent agents can quote rates from multiple insurance companies.

Step 3: Compare the new quotes to your existing policy to determine if switching companies saves money. If you can save money, make sure the effective date of the new policy is the same as the expiration date of the old one.

One key aspect when comparing rates is to compare identical limits and deductibles on each quote request and and to get rates from as many auto insurance providers as possible. Doing this guarantees an accurate price comparison and a thorough price selection.

Having so many auto insurance companies to choose from, it is very difficult to choose the lowest price auto insurance company.

Consumers need to take a look at other company’s rates quite often because prices fluctuate regularly. Just because you had the best rates on Nissan Rogue insurance in Virginia Beach six months ago there may be better deals available now. You can search a lot of Rogue insurance online, but in this article, you’re going to get some solid techniques on how to reduce your auto insurance bill.

This article will tell you how to compare rates easily and some tips to save money. If you are paying for car insurance now, you will most likely be able to cut your premiums using the following tips. Smart buyers just have to know the quickest method to find the lowest price from multiple carriers.

Getting a cheaper price on insurance is not a difficult process. Drivers just need to take a couple of minutes to get quotes online from several insurance companies.

Comparing quotes online is fast and free, and it makes it obsolete to spend your day driving to insurance agents’ offices. Buying insurance online has made agencies unnecessary unless you’re the type of person who wants the trained guidance that only an agent can give. Although you can price shop your coverage online but purchase the actual policy in an agency.

The companies shown below have been selected to offer free quotes in Virginia Beach, VA. If you wish to find cheap car insurance in Virginia Beach, VA, we recommend you get prices from several of them in order to get a fair rate comparison.

Nissan Rogue insurance rate analysis

The price information shown below covers a range of insurance policy prices for Nissan Rogue models. Knowing how rate quotes are established can aid in making informed decisions when comparing rate quotes.

Nissan Rogue Insurance Rates in Virginia Beach, VA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rogue S 2WD $198 $336 $290 $18 $88 $930 $78
Rogue S AWD $198 $336 $290 $18 $88 $930 $78
Rogue SL 2WD $198 $336 $290 $18 $88 $930 $78
Rogue SL AWD $198 $394 $290 $18 $88 $988 $82
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Virginia minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Information does not factor in garaging location in Virginia Beach which can modify price quotes considerably.

Choosing deductibles

A question often asked by Virginia Beach drivers is the level to set your comp and collision deductibles. The rates below may help you to understand the rate difference when you buy lower versus higher deductibles. The first rate estimation uses a $250 deductible for comprehensive and collision coverage and the second data table uses a $1,000 deductible.

Nissan Rogue insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rogue S 2WD $198 $336 $290 $18 $88 $955 $80
Rogue S AWD $198 $336 $290 $18 $88 $955 $80
Rogue SL 2WD $198 $336 $290 $18 $88 $955 $80
Rogue SL AWD $198 $394 $290 $18 $88 $1,013 $84
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Nissan Rogue insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rogue S 2WD $122 $210 $290 $18 $88 $728 $61
Rogue S AWD $122 $210 $290 $18 $88 $728 $61
Rogue SL 2WD $122 $210 $290 $18 $88 $728 $61
Rogue SL AWD $122 $248 $290 $18 $88 $766 $64
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Virginia minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Prices do not factor in vehicle garaging location which can modify price quotes considerably.

Based on this data, we can arrive at the conclusion that using a $250 deductible could cost the average driver approximately $19 more each month or $228 each year averaged for all Rogue models than quoting the higher $1,000 deductible. Because you would be required to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to have more than 39 months between claims, you would probably come out ahead if you elect the higher deductible.

How to calculate deductible break even period

Average monthly premium for $250 deductibles: $81
Average monthly premium for $1,000 deductibles (subtract): – $62
Monthly savings from raising deductible: $19
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $19
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 39 months

Rate increases following a ticket or accident

The illustration below demonstrates how traffic citations and accident claims can influence Nissan Rogue insurance costs for different ages of insureds. The costs are based on a married female driver, full physical damage coverage, $1,000 deductibles, and no discounts are taken into consideration.

Rate difference between full and liability-only coverage

The illustration below compares Nissan Rogue car insurance rates when comparing full coverage to state minimum liability only. Data assumes a clean driving record, no claims, $250 deductibles, drivers are single, and no other discounts are factored in.

When to eliminate full coverage

There is no definitive guideline that is best for determining when to drop physical damage coverage, but there is a broad guideline. If the annual cost of coverage is 10% or more of replacement cost minus your deductible, then it might be time to buy liability only.

For example, let’s assume your Nissan Rogue claim settlement value is $8,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $7,000 after paying your policy deductible. If you are paying more than $700 a year for your policy with full coverage, then you may need to consider dropping full coverage.

There are some scenarios where dropping physical damage coverage is not advised. If you still owe money on your vehicle, you have to maintain full coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should keep full coverage.

Get rate quotes but buy from a local neighborhood Virginia Beach car insurance agent

Some people just want to visit with an insurance agent and that is a smart decision Professional agents are trained risk managers and help in the event of a claim. One of the benefits of comparing rates online is that drivers can save money and get cheap auto insurance quotes and also buy local. Putting coverage with local agencies is important particularly in Virginia Beach.

Insurance agency in Virginia BeachUpon completion of this short form, your insurance coverage information gets sent to local insurance agents in Virginia Beach who will give you bids for your business. It simplifies rate comparisons since you won’t have to leave your computer due to the fact that quote results will go to your email. If you want to compare prices from one company in particular, you just need to jump over to their website and fill out their quote form.

Exclusive and independent Virginia Beach car insurance agents

If you are wanting to purchase auto insurance from a local agent, there are a couple of types of insurance agents that you can choose from. Auto insurance agents may be either exclusive agents or independent agents. Both types can insure your vehicles properly, but it’s worth mentioning how they differ because it can factor into the selection process.

Independent Auto Insurance Agents (or Brokers)

These type of agents are normally appointed by many insurers and that enables them to quote your coverage amongst many companies and find the cheapest auto insurance rates. If premiums increase, your policy is moved internally which is easy for the insured.

If you need lower rates, you absolutely need to check rates from several independent agencies in order to have the best price comparison.

Featured below is a short list of independent agencies in Virginia Beach that may be able to give free rate quotes.

780 Lynnhaven Pkwy #400Virginia Beach, VA 23452(757) 819-6896View Map

4870 Haygood Rd Ste 108Virginia Beach, VA 23455(757) 671-1111View Map

921 First Colonial Road #1703Virginia Beach, VA 23454(757) 481-9105View Map

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Exclusive Auto Insurance Agents

These type of agents can only quote rates from one company and examples are Allstate, AAA, Farmers Insurance, and State Farm. They usually cannot give you multiple price quotes so if the price isn’t competitive there isn’t much they can do. Exclusive agencies are trained well in insurance sales and that can be a competitive advantage.

Listed below is a list of exclusive agents in Virginia Beach who can help you get comparison quotes.

700 Independence BlvdVirginia Beach, VA 23455(757) 499-0550View Map

5265 Providence Rd #200Virginia Beach, VA 23464(757) 424-4656View Map

5705 Lynnhaven PkwyVirginia Beach, VA 23464(757) 962-2266View Map

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Finding a good auto insurance agent should include more criteria than just the bottom line cost. Some important questions to ask are:

Best auto insurance company in Virginia

Finding the best auto insurance company can be a challenge considering how many different companies sell coverage in Virginia. The company ratings displayed below may help you analyze which car insurance companies to look at purchasing a policy from.

Best Auto Insurance Companies in Virginia
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
21st Century 86 82 90 84% A 86.4
Liberty Mutual 79 87 95 78% A 85.3
Erie Insurance 87 84 85 85% A+ 85.3
Farmers Insurance 77 80 80 84% A 80.3
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Data Source: Best Car Insurance Companies