Save on Nissan Rogue Insurance in Detroit

The most effective way to get affordable Nissan Rogue insurance is to compare prices regularly from companies in Detroit.

• First, take a few minutes and learn about how car insurance works and the things you can change to prevent high rates. Many rating criteria that cause high rates like multiple speeding tickets and bad credit can be amended by making minor driving habit or lifestyle changes. Later in this article we will cover additional tips to get lower rates and get discounts that may be available to you.
• Second, compare rates from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only give prices from one company like Progressive and State Farm, while agents who are independent can provide price quotes from multiple sources. Click to view companies
• Third, compare the quotes to your existing rates to see if switching to a new carrier will save money. If you find better rates and change companies, ensure there is no coverage lapse between policies.
• Fourth, provide notification to your current agent or company of your intention to cancel your current coverage. Submit the signed application along with the required initial payment to your new company or agent. Once coverage is bound, keep your new certificate verifying proof of insurance in a readily accessible location in your vehicle.

The most important part of shopping around is to use similar coverage information on each quote request and and to get rates from as many companies as feasibly possible. This guarantees a level playing field and maximum price selection.

Remarkably, a study showed that nearly 70% of customers kept buying from the same company for at least the last four years, and virtually 40% of consumers have never even compared rates from other companies. Drivers in Detroit could cut their rates by as much as 65% a year just by getting comparison quotes, but they just assume it’s a time-consuming process to compare other rate quotes.

If you have a current car insurance policy or want to find a cheaper company, you can use these tips to lower your rates and still have adequate protection. This information will let you in on how car insurance works and how to save the most money. Drivers just need to understand the most efficient way to compare rate quotes instantly.

Car insurance providers offering affordable prices in Michigan

The companies in the list below can provide free quotes in Michigan. In order to find cheaper car insurance in Michigan, we suggest you visit two to three different companies in order to get a fair rate comparison.

Data for Nissan Rogue insurance

The rate information shown next showcases estimates of coverage prices for Nissan Rogue models. Having knowledge of how insurance prices are determined can benefit drivers when making smart choices when selecting a coverage provider.

Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Michigan minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Information does not factor in Detroit location which can modify coverage prices substantially.

Comparison of policy deductibles

One frequently asked question is how high should the physical damage deductibles be. The comparison tables below illustrate the difference in cost of buying low and high physical damage coverage deductibles. The first set of prices uses a $100 deductible for physical damage and the second pricing table uses a $1,000 deductible.

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Michigan minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Prices do not factor in specific zip code location which can lower or raise prices significantly.

We can estimate from the data above that using a $100 deductible will cost you about $68 more each month or $816 annually than opting for the higher $1,000 deductible. Since you would have to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you average at least 13 months between claim filings, you would save money by selecting a higher deductible.

The example below illustrates how your choice of deductibles and can raise or lower Nissan Rogue insurance prices for different age groups. The price estimates are based on a married female driver, comprehensive and collision coverage, and no discounts are factored in.

Reduce your car insurance rates with discounts

Car insurance can be pricey, but there are discounts available that can drop the cost substantially. Certain discounts will be applied at the time you complete a quote, but some must be manually applied before you will receive the discount. If you do not check that you are getting every discount available, you are throwing money away.

• Claim Free – Good drivers with no accidents can save substantially in comparison with frequent claim filers.
• Driver Training Discounts – Taking part in a safe driver class could possibly earn you a 5% discount if your company offers it.
• Accident Waiver – This one isn’t a discount, but companies like Liberty Mutual, Allstate and State Farm permit an accident without the usual rate increase if you are claim-free before the accident.
• ABS Braking Discount – Cars with ABS and/or traction control can reduce accidents and earn discounts up to 10%.
• Federal Government Employee – Being employed by or retired from a federal job may qualify for a discount when you quote Detroit car insurance with certain companies.
• Save over 55 – Older drivers could receive lower premium rates.
• Multiple Cars – Drivers who insure multiple cars with the same company can get a discount on all vehicles.
• Resident Student – Any of your kids living away from Detroit attending college and do not have a car can be insured at a reduced rate.
• Data Collection Discounts – Insureds that choose to allow data collection to look at driving habits by using a telematics device such as Snapshot from Progressive or Drivewise from Allstate may see discounts if they show good driving skills.
• Auto/Life Discount – Not every insurance company offers life insurance, but if they do you may earn a discount if you purchase some life insurance in addition to your auto policy.

You should keep in mind that most discount credits are not given to all coverage premiums. Some only reduce specific coverage prices like medical payments or collision. Even though it appears having all the discounts means you get insurance for free, companies don’t profit that way. But any discount will cut the amount you pay for coverage.

The diagram below illustrates the comparison of Nissan Rogue annual premium costs with and without discounts applied to the rates. The data assumes a female driver, no tickets, no at-fault accidents, Michigan state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, marriage, multi-policy, multi-car, and claim-free discounts applied.

The best car insurance companies and some of the discounts include:

• Progressive offers discounts including good student, online quote discount, online signing, multi-vehicle, and multi-policy.
• SAFECO policyholders can earn discounts including multi-car, anti-lock brakes, teen safety rewards, bundle discounts, accident prevention training, and drive less.
• American Family discounts include bundled insurance, good student, multi-vehicle, TimeAway discount, defensive driver, air bags, and accident-free.
• MetLife includes discounts for accident-free, multi-policy, good driver, defensive driver, and claim-free.
• GEICO offers discounts for federal employee, multi-vehicle, emergency military deployment, seat belt use, multi-policy, and air bags.
• The Hartford offers premium reductions for air bag, good student, anti-theft, bundle, driver training, defensive driver, and vehicle fuel type.

When getting a coverage quote, ask every insurance company which discounts you may be entitled to. A few discounts may not apply to policies in Detroit. For a list of companies who offer cheap Nissan Rogue insurance quotes in Michigan, click this link.

Components of Your Nissan Rogue Insurance Premiums

It’s important that you understand some of the factors that play a part in calculating your premiums. If you have a feel for what determines base rates, this allows you to make educated decisions that may reward you with much lower annual insurance costs.

• Premiums drop with age – Young drivers in Michigan are known to be inattentive behind the wheel and because of this, their insurance rates are much higher. Older insureds are proven to be safer behind the wheel, statistically cause fewer accidents, and usually have better credit.

  The chart below uses these variables: single driver, full coverage with $500 deductibles, and no discounts or violations.

• Costs impacted by vehicle usage – Driving a lot of miles in a year’s time the more it will cost to insure it. Most insurance companies calculate rates based on how the vehicle is used. Cars that have low annual miles can be on a lower rate level compared to those used for work or business. It’s always a good idea to double check that your insurance declarations sheet states the proper vehicle usage, because improper ratings can cost you money. A policy that improperly rates your Rogue is just wasting money.
• Extra policy coverages may not be needed – There are a lot of optional add-on coverages that may not really be needed when buying insurance. Coverages like rental car reimbursement, better glass coverage, and term life insurance are some examples. These coverages may sound good when talking to your agent, but now you might not need them so eliminate the coverages to reduce your premium.
• Marriage discount – Being married helps lower the price on insurance. Having a spouse generally demonstrates drivers are less irresponsible and statistics show being married results in fewer claims.

• Gender is a factor – The statistics show that females tend to be a little less risky than males. Now that doesn’t mean men are WORSE drivers than women. Both genders have accidents in similar percentages, but men get into accidents with more damage. Not only are claims higher, but men get higher numbers of serious violations like DUI and reckless driving. Males from age 16 to 21 are most likely to cause an accident and therefore pay the highest rates.

  The chart below illustrates the comparison of Nissan Rogue car insurance costs for male and female drivers. The data is based on no accidents or driving violations, full physical damage coverage, $100 deductibles, single marital status, and no discounts are applied.

• Loss statistics for a Nissan Rogue – Insurance companies use data from past claims to calculate a price that offsets possible losses. Vehicles that have a trend towards higher claims will have increased rates.

  The table below demonstrates the insurance loss data used by companies for Nissan Rogue vehicles. For each type of coverage, the statistical loss for all vehicles, regardless of manufacturer or model, is represented as 100. Values under 100 suggest a positive loss record, while numbers shown that are more than 100 indicate a higher chance of having a claim or a tendency for losses to be larger than average.

  
  

  Nissan Rogue Insurance Loss Statistics

  Vehicle 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

  BETTER

  AVERAGE

  WORSE

  Statistics from IIHS.org for 2013-2015 Model Years

Buying from insurance agents

A lot of people just prefer to talk to an insurance agent and that is OK! Experienced insurance agents will help you protect your assets and help in the event of a claim. The best thing about getting free rate quotes online is that you can obtain lower rates and also buy local.

After completing this short form, your coverage information is instantly submitted to local insurance agents in Detroit who will give you bids for your insurance coverage. You won’t need to even leave your home since price quotes are sent straight to your inbox. In the event you want to compare rates from a particular provider, you would need to jump over to their website and fill out the quote form the provide.

Deciding on an provider should depend on more than just the premium amount. These are some valid questions you should ask.

• Is the quote a firm price?
• Is vehicle damage repaired with OEM or aftermarket parts?
• Do they offer rental car reimbursement?
• Will their companies depreciate repairs to your car based on the mileage?
• Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?

If you prefer to buy car insurance from a local agent, there are two types of agencies that you can choose from. Car insurance agents can either be independent (non-exclusive) or exclusive. Both can write policy coverage, but we need to point out how they differ since it can impact your agent selection.

Exclusive Agents

Agents in the exclusive channel normally can only provide a single company’s rates and examples are AAA, Allstate, and State Farm. Exclusive agencies are unable to place coverage with different providers so they really need to provide good service. They are very knowledgeable on sales techniques which helps offset the inability to provide other markets. Consumers sometimes buy insurance from these agents mostly because of the prominence of the brand rather than low rates.

Listed below is a list of exclusive insurance agents in Detroit that are able to give comparison quotes.

• Kenya Wells – State Farm Insurance Agent
  20021 Kelly Rd – Detroit, MI 48225 – (313) 822-5948 – View Map
• Tony Massey – State Farm Insurance Agent
  15 E Kirby St #112 – Detroit, MI 48202 – (313) 873-3334 – View Map
• Jim Saucedo – State Farm Insurance Agent
  5602 Vernor Hwy – Detroit, MI 48209 – (313) 841-8100 – View Map

More Detroit agents

Independent Agents (or Brokers)

Independent agents are not required to write business for one company so they can write business through many companies and get you the best rates possible. To move your coverage to a new company, the business is moved internally which makes it simple for you.

If you are trying to find cheaper rates, you will definitely want to get some free quotes from several independent agencies in order to have the best price comparison. They also have the ability to place coverage with less well-known companies which may provide better rates.

Shown below are Detroit independent insurance agencies that can give you price quote information.

• Marsh
  600 Renaissance Center # 2100 – Detroit, MI 48243 – (313) 393-6800 – View Map
• L.A. Insurance Agency 150
  14701 Mack Ave – Detroit, MI 48215 – (313) 884-8888 – View Map
• Michigan Basic Property Insurance
  3245 E Jefferson Ave – Detroit, MI 48207 – (313) 877-7400 – View Map

More Detroit agents

One last thing to lower rates

Insureds who switch companies do it for any number of reasons including questionable increases in premium, delays in responding to claim requests, policy non-renewal or unfair underwriting practices. It doesn’t matter why you want to switch switching car insurance companies is not as difficult as it may seem.

Lower-priced Nissan Rogue insurance in Detroit can be sourced on the web and also from your neighborhood Detroit agents, so you need to quote Detroit car insurance with both to have the best chance of lowering rates. There are still a few companies who may not have online quoting and most of the time these regional carriers sell through independent insurance agents.

We just showed you some good ideas how you can find cheaper Nissan Rogue insurance in Detroit. The most important thing to understand is the more providers you compare, the better your chances of lowering your prices. You may even find the lowest premium rates are with a smaller regional carrier.

Other resources

• Keeping Children Safe in Crashes Video (iihs.org)
• Who Has the Cheapest Detroit Car Insurance Quotes for a Chevrolet Equinox? (FAQ)
• Who Has Affordable Auto Insurance Rates for a Kia Optima in Detroit? (FAQ)
• How Much are Auto Insurance Quotes for Real Estate Agents in Detroit? (FAQ)
• Air Bags: Potential Dangers to Your Children (Insurance Information Institute)
• Insuring a Leased Car (Insurance Information Institute)
• How Does Hitting a Deer Impact Insurance Rates? (Allstate)