Compare Nissan Rogue Insurance Rates in San Diego

Would you like to find low-cost Nissan Rogue insurance in San Diego? Are you tired of trying to scrape together enough money to keep your car insured? You are in the same boat as millions of other vehicle owners.

Amazingly, almost 70% of drivers have stayed with the same insurance company for over three years, and nearly the majority have never quoted car insurance rates at all. Many consumers in California could save roughly 35% every year just by comparing rates, but they don’t invest the time required to find cheaper rates by getting comparison quotes. Multiple insurance companies compete for your business, and because of this it can be hard to compare auto insurance companies to find the lowest cost out there.

Nissan Rogue insurance discounts in San Diego

Auto insurance is not cheap nor is it fun to buy but you may be missing some discounts that many people don’t even know exist. Some trigger automatically at the time of purchase, but lesser-known reductions have to be specifically requested before you get the savings.

• Good Student Discount – A discount for being a good student can get you a discount of up to 25%. The good student discount can last well after school through age 25.
• Buy New and Save – Buying a new car instead of a used Rogue can cost up to 25% less due to better safety requirements for new vehicles.
• Sign Online – A handful of auto insurance companies will give a small break for buying your policy online.
• Low Mileage Discounts – Driving fewer miles could qualify for lower rates due to less chance of an accident.
• Discounts for Responsible Drivers – Insureds without accidents can save up to 40% or more on their San Diego car insurance quote compared to accident prone drivers.
• Government Employee Discount – Active or retired federal employment could cut as much as 10% off with certain companies.

A little note about advertised discounts, most of the big mark downs will not be given to all coverage premiums. Most cut individual premiums such as medical payments or collision. Just because it seems like having all the discounts means you get insurance for free, it just doesn’t work that way.

A few popular companies and some of their more popular discounts are shown below.

• State Farm may offer discounts for anti-theft, driver’s education, Steer Clear safe driver discount, student away at school, multiple policy, and safe vehicle.
• Progressive offers premium reductions for continuous coverage, good student, homeowner, online quote discount, and multi-vehicle.
• Progressive policyholders can earn discounts including online signing, multi-vehicle, continuous coverage, good student, multi-policy, and online quote discount.
• MetLife discounts include good driver, defensive driver, claim-free, good student, and accident-free.
• Farm Bureau may include discounts for youthful driver, renewal discount, multi-policy, good student, safe driver, and multi-vehicle.
• GEICO has savings for anti-lock brakes, daytime running lights, good student, five-year accident-free, emergency military deployment, and military active duty.
• SAFECO has discounts for anti-lock brakes, accident prevention training, bundle discounts, teen safety rewards, anti-theft, and drive less.

Double check with every prospective company the best way to save money. All car insurance discounts might not be offered in every state. If you would like to view companies that offer some of these discounts in San Diego, click here.

The method we recommend to compare policy rates for Nissan Rogue insurance in San Diego is to take advantage of the fact most of the bigger providers pay for the opportunity to quote your coverage. The only thing you need to do is provide a small amount of information including if you’re married, your occupation, how old drivers are, and the make and model of your vehicles. Those rating factors is then submitted to all major companies and you will receive price estimates quickly.

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

The companies shown below can provide free rate quotes in San Diego, CA. If more than one company is shown, we suggest you get rate quotes from several of them to get the most competitive price.

Table data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Price estimates do not factor in specific San Diego garaging location which can raise or lower insurance rates considerably.

Policy deductibles

When shopping for auto insurance, a common question is how high should the physical damage deductibles be. The comparisons below help summarize the price difference when you select higher and lower physical damage deductibles. The first pricing table uses a $100 deductible for physical damage and the second price table uses a $500 deductible.

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Information does not factor in your specific San Diego location which can modify coverage rates noticeably.

Based on this data, we can arrive at the conclusion that using a $100 deductible costs about $30 more each month or $360 annually than selecting the higher $500 deductible. Since you would pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you tend to average more than 13 months between claims, you would more than likely save some money by selecting a higher deductible.

One important caveat is that a higher deductible level means you pay more out-of-pocket when you do file a claim. You need to have enough extra money in the event you need to pay more for the deductible.

Nissan Rogue insurance premiums by gender and age

The information below illustrates the comparison of Nissan Rogue auto insurance costs for male and female drivers. The prices are based on no accidents or driving violations, full physical damage coverage, $100 deductibles, marital status is single, and no additional discounts are factored in.

How accidents and tickets impact rates in San Diego

The example below highlights how traffic violations and at-fault collisions increase Nissan Rogue insurance costs for different age groups. The premiums are based on a married female driver, full physical damage coverage, $500 deductibles, and no additional discounts are factored in.

Compare prices but buy from a local San Diego insurance agent

A lot of people prefer to buy from a licensed agent and that is just fine! Professional agents can help determine the best coverages and help in the event of a claim. One of the best bonuses of getting online price quotes is that drivers can save money and get cheap insurance quotes but also keep your business local. Supporting neighborhood agents is especially important in San Diego.

After filling out this short form, your insurance data is submitted to local insurance agents in San Diego who will give you quotes for your coverage. It simplifies rate comparisons since you won’t have to drive around because prices are sent immediately to your email address. In the event you want to compare prices from one company in particular, you just need to navigate to their website and give them your coverage information.

If you need to find a reputable agency, it helps to know the two different types of agents and how they can quote your rates. San Diego agents can be described as either independent agents or exclusive agents depending on their employer. Both can handle insurance, but it’s important to point out the difference in how they write coverage since it can impact which agent you choose.

Independent Insurance Agencies or Brokers

Independent insurance agents are not employed by one company so they can write business through lots of different companies and find the cheapest insurance rates. To transfer your coverage to a different company, the business is moved internally which requires no work on your part. If you are comparing rate quotes, it’s a good idea to compare prices from a couple of independent agencies for the best price selection.

Below are independent agencies in San Diego that can possibly get you free insurance quotes.

View more San Diego agents

Exclusive Insurance Agencies

These type of agents are contracted to one company like State Farm, AAA, Farmers Insurance or Allstate. These agents are not able to compare rates from other companies so they have to upsell other benefits. Exclusive agents are highly trained on the products they sell which helps them sell insurance even at higher premiums.

Below is a list of exclusive agencies in San Diego that are able to give price quotes.

View more San Diego agents

Picking an car insurance agent should depend on more than just a low price. Get answers to these questions too.

• How often do they review policy coverages?
• Do they get paid more for recommending certain coverages?
• Do you have coverage for a rental car if your vehicle is in the repair shop?
• Do the companies they represent have a solid financial rating?
• Which companies do they recommend if they are an independent agency?

Upon getting good feedback to your questions as well as offering an affordable quote, you’ve probably found an auto insurance agent that is professional and can provide insurance coverage. Just keep in mind consumers can cancel a policy whenever you want so don’t feel that you are permanently stuck with any specific agency for the entire policy term.

More effort can pay off

We covered many ways to get a better price on Nissan Rogue insurance in San Diego. The key concept to understand is the more rate quotes you have, the higher your chance of finding affordable Nissan Rogue insurance quotes. Consumers may even find the biggest savings come from an unexpected company. Some small companies can often provide lower premium rates in certain areas than the large multi-state companies such as GEICO and State Farm.

There are still a few companies who do not provide online rate quotes and these small insurance companies sell through independent agents. Affordable Nissan Rogue insurance in San Diego can be purchased from both online companies and also from your neighborhood San Diego agents, so compare prices from both so you have a total pricing picture.

Much more information about car insurance in California can be read at these links:

• Reducing Your Risks in a Car Crash Video (iihs.org)
• How Much are San Diego Car Insurance Quotes for Low Mileage Drivers? (FAQ)
• Who Has Affordable San Diego Auto Insurance Quotes for Used Cars? (FAQ)
• How Much is San Diego Car Insurance for College Students? (FAQ)
• State Laws for Cellphones and Texting (iihs.org)
• Dangers of fake or stolen airbags (Insurance Institute for Highway Safety)
• Your Car has been Stolen: Now What? (Allstate)