Auto Insurance Quotes for a Nissan Rogue in Miami

A recent survey discovered that about 70% of customers have been with the same company for more than four years, and just short of a majority have never compared rates with other companies. The average driver in the United States could save nearly $859 each year just by getting comparison quotes, but they mistakenly think it’s difficult to find affordable auto insurance rates.

Discount Nissan Rogue insuranceThe preferred way to find low-cost Nissan Rogue insurance in Miami is to compare quotes once a year from providers who sell insurance in Florida.

First, get an understanding of the different coverages in a policy and the measures you can control to drop your rates. Many rating factors that are responsible for high rates such as your driving record and an unfavorable credit rating can be rectified by being financially responsible and driving safely.

Second, obtain price quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can give quotes from a single company like Progressive and State Farm, while agents who are independent can quote prices from multiple companies. Find a Miami insurance agent

Third, compare the new quotes to the price on your current policy and determine if there is any savings. If you find a lower rate quote and switch companies, make sure coverage does not lapse between policies.

Fourth, give proper notification to your current agent or company to cancel your current coverage and submit a signed application and payment to your new company or agent. Once received, keep the new proof of insurance paperwork in your vehicle.

One bit of advice is to make sure you’re comparing the same amount of coverage on each quote request and and to compare as many companies as you can. Doing this ensures an apples-to-apples comparison and maximum price selection.

Most companies make it easy to get pricing from their websites. Doing online quotes for Nissan Rogue insurance in Miami is very simple as you simply type in the coverage amounts you desire as detailed in the form. Upon sending the form, their system gets credit information and your driving record and returns pricing information based on many factors.

This makes it easy to compare insurance prices and it is important to do this in order to find the most affordable premium.

To compare pricing, compare rates from the companies below. If you have coverage now, it’s recommended you enter coverages and limits exactly as shown on your declarations page. This ensures you will have an apples-to-apples comparison using the exact same coverages.

The companies shown below have been selected to offer quotes in Florida. To get the best cheap auto insurance in Miami, FL, we suggest you visit two to three different companies to get the best price comparison.

Insurance coverage details

The coverage information below highlights a range of insurance coverage prices for Nissan Rogue models. Learning more about how insurance rates are figured can be useful when making decisions when shopping around.

Nissan Rogue Insurance Rates in Miami, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rogue S 2WD $398 $798 $636 $38 $190 $2,060 $172
Rogue S AWD $398 $798 $636 $38 $190 $2,060 $172
Rogue SL 2WD $398 $798 $636 $38 $190 $2,060 $172
Rogue SL AWD $398 $940 $636 $38 $190 $2,202 $184
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Price data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Price estimates do not factor in specific garaging location which can change coverage rates substantially.

Should you raise deductibles?

When comparing car insurance rates, the most common question is what deductibles to buy. The rates shown below sum up the difference in cost of buying low and high coverage deductibles. The first set of rates uses a $250 deductible for comp and collision and the second set of rates uses a $500 deductible.

Nissan Rogue insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rogue S 2WD $322 $544 $472 $28 $142 $1,533 $128
Rogue S AWD $322 $544 $472 $28 $142 $1,533 $128
Rogue SL 2WD $322 $544 $472 $28 $142 $1,533 $128
Rogue SL AWD $322 $640 $472 $28 $142 $1,629 $136
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Nissan Rogue insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rogue S 2WD $262 $438 $472 $28 $142 $1,342 $112
Rogue S AWD $262 $438 $472 $28 $142 $1,342 $112
Rogue SL 2WD $262 $438 $472 $28 $142 $1,342 $112
Rogue SL AWD $262 $516 $472 $28 $142 $1,420 $118
Get Your Own Custom Quote Go

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Rates do not factor in specific zip code location which can decrease or increase rates greatly.

We can derive from the above data that using a $250 deductible costs about $16 more each month or $192 every year than buying the higher $500 deductible. Because you would be required to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you tend to go at a minimum 16 months between claims, you would save more money if you elect the higher deductible.

How to calculate deductible break even period

Average monthly premium for $250 deductibles: $130
Average monthly premium for $500 deductibles (subtract): – $114
Monthly savings from raising deductible: $16
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $16
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 16 months

The illustration below highlights how deductible selection and can increase or decrease Nissan Rogue annual premium costs for each different age group. The price estimates are based on a single female driver, full coverage, and no policy discounts are applied.

Full coverage versus liability only rates

The information below illustrates the comparison of Nissan Rogue annual premium costs when comparing full coverage to state minimum liability only. The prices are based on no accidents, no driving violations, $250 deductibles, single marital status, and no discounts are taken into consideration.

Should you pay for full coverage or liability only?

There is no written rule to exclude full coverage on your policy, but there is a general convention. If the annual cost of having full coverage is more than around 10% of the vehicle’s replacement cost less your deductible, then you might want to think about dropping full coverage.

For example, let’s assume your Nissan Rogue book value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, you would only receive $5,000 after the policy deductible has been paid. If you are paying over $500 a year for comprehensive and collision coverage, then you might want to consider buying only liability coverage.

There are a few cases where removing full coverage is not a good idea. If you still have a lienholder on your title, you have to maintain full coverage as part of the loan requirements. Also, if you can’t afford to buy a different vehicle in the even your car is totaled, you should keep full coverage.

Three reasons to not skimp on insurance

Despite the high cost, insurance is required by state law in Florida and it also provides benefits you may not be aware of.

First, the majority of states have mandatory liability insurance requirements which means state laws require a minimum amount of liability protection in order to drive the car legally. In Florida these limits are 10/20/10 which means you must have $10,000 of bodily injury coverage per person, $20,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if your Nissan Rogue has a lienholder, almost all lenders will require that you have physical damage coverage to ensure the loan is repaid in case of a total loss. If coverage lapses or is canceled, the lender will be forced to insure your Nissan at a more expensive rate and require you to reimburse them the higher premium.

Third, insurance safeguards both your Nissan Rogue and your personal assets. Insurance will pay for medical expenses for you, any passengers, and anyone injured in an accident. One of the most valuable coverages, liability insurance, will also pay for a defense attorney if you are sued as the result of your driving. If you have damage to your Nissan as the result of the weather or an accident, comprehensive and collision coverage will pay to repair the damage minus the deductible amount.

The benefits of having insurance definitely exceed the price paid, particularly if you ever have a claim. The average driver in America overpays as much as $830 a year so you should quote rates at every renewal to ensure rates are inline.

Components of Your Nissan Rogue Insurance Prices

An important part of buying insurance is that you know some of the elements that aid in calculating your premiums. When consumers understand what impacts premium levels, this enables you to make decisions that may reward you with big savings. Many factors are considered when pricing auto insurance. Some are obvious like an MVR report, but other criteria are more obscure such as your credit history or your vehicle rating.

Listed below are some of the items companies use to determine your rate level.

Mature drivers save more – Older insureds are more responsible, tend to file fewer claims, and are generally more financially stable. Young drivers have been known to be inattentive when driving with friends so auto insurance rates are higher.

The following data is based on a single driver, full coverage with $1000 deductibles, and no discounts or violations.

Uninterrupted coverage lowers auto insurance rates – Not having insurance is against the law and you may have a hard time finding new coverage because you let your coverage cancel without a new policy in place. And not only will your rates increase, being ticketed for driving with no insurance may result in a hefty fine and possibly a revoked license. You may need to file a SR-22 with the Florida department of motor vehicles.

How many miles do you drive? – The higher the mileage driven annually the more it will cost to insure it. A lot of insurance companies calculate prices based upon how the vehicle is primarily used. Autos that are left in the garage qualify for better rates as compared to vehicles used primarily for driving to work. Double check that your auto insurance declarations sheet properly reflects the correct usage, because it can save money. An improperly rated Rogue can result in significantly higher rates.

What are good liability limits? – A critical coverage on your policy, liability insurance will afford coverage if ever a court rules you are at fault for causing damage or personal injury in an accident. It will provide legal defense which can cost a lot. Liability insurance is pretty cheap compared to comp and collision, so drivers should make sure they buy enough to cover all assets.

Only buy incidental coverages you need – Policies have additional extra coverages that may not really be needed on your auto insurance policy. Insurance for things like rental car reimbursement, towing coverage, and extra life insurance coverage may be wasting your money. These may sound like a good investment when talking to your agent, but if you’ve never needed them in the past eliminate them to save money.

Does auto insurance cost less for women? – Statistics show that men are more aggressive behind the wheel. That doesn’t necessarily mean that females are better at driving than males. Females and males cause accidents at about the same rate, but guys tend to have higher claims. In addition to higher claims, males also get more serious tickets like DUI and reckless driving. Young men ages 16 to 20 tend to get in the most accidents and are penalized with high auto insurance rates.

The diagram below illustrates the difference between Nissan Rogue insurance prices for male and female drivers. The prices are based on no claims or driving violations, comprehensive and collision coverage, $500 deductibles, single status, and no additional discounts are factored in.

Job stress can affect premiums – Do you have a high-stress occupation? Careers like doctors, air traffic controllers, and stock brokers usually pay higher average rates attributed to job stress and lots of time spent away from family. Other occupations such as scientists, historians and retirees receive lower rates.

Claims statistics for a Nissan Rogue – Insurers analyze claim trends for every vehicle to calculate a rate that offsets possible losses. Vehicles that historically have a trend towards higher claim severity or frequency will have a higher cost to insure.

The data below shows the insurance loss data for Nissan Rogue vehicles. For each coverage type, the statistical loss for all vehicles, without regard to make or model, equals 100. Numbers shown that are under 100 mean the vehicle has better than average losses, while numbers above 100 point to more claims or statistically larger claims.

Auto Insurance Loss Data for Nissan Rogue Models
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

Data Source: (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Lower rates by qualifying for discounts

Some providers don’t necessarily list every discount they offer in an easy-to-find place, so the list below details a few of the more well known and also the more inconspicuous car insurance savings.Cheaper car insurance with discounts

Please keep in mind that many deductions do not apply to your bottom line cost. Some only apply to the price of certain insurance coverages like comprehensive or collision. So despite the fact that it appears all those discounts means the company will pay you, you won’t be that lucky.

The chart below visualizes the comparison of Nissan Rogue insurance rates with and without discounts applied. The information is based on a male driver, no accidents, no driving violations, Florida 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 marriage, safe-driver, homeowner, multi-policy, multi-car, and claim-free discounts applied.

A few companies who may offer most of the discounts above may include but are not limited to:

When getting free Miami auto insurance quotes, it’s a good idea to all the companies what discounts are available to you. Some discounts may not apply to policyholders in Miami.

Get rate quotes but work with a neighborhood Miami auto insurance agent

Some consumers just want to have an agent’s advice and there is nothing wrong with that. Professional agents can make sure you are properly covered and will help you if you have claims. The biggest benefit of comparing insurance online is that drivers can save money and get the lowest rates and still have an agent to talk to. Supporting neighborhood agents is definitely important in Miami.

Insurance agency in MiamiTo find an agent, once you fill out this form (opens in new window), your insurance coverage information is submitted to insurance agents in Miami who can give free rate quotes for your business. You won’t need to contact any agents since rate quotes are delivered directly to you. If you want to compare rates from a specific company, don’t hesitate to find their quoting web page and give them your coverage information.

Types of car insurance agents in Miami

If you want to use a local insurance agency, there are two different types of agencies and how they can write your policy. Agents in Miami are either independent or exclusive. Both insure your vehicles properly, but it is important to understand why they differ because it may have an impact on the kind of agent you use.

Independent Insurance Agencies or Brokers

These agents are appointed with more than one company so they can insure your vehicles with multiple insurance companies and get you the best rates possible. To move your coverage to a new company, they simply move the coverage in-house and the insured can keep the same agent.

If you are trying to find cheaper rates, it’s recommended you compare quotes from several independent insurance agents to maximize your price options. Many can place coverage with companies that do not advertise much which may have better rates.

The following is a short list of independent insurance agents in Miami that may be able to give you price quote information.

More insurance agents

Exclusive Insurance Agencies

Exclusive agents can usually just insure with one company and examples are State Farm, Allstate, and Farm Bureau. Exclusive agents cannot compare other company’s rates so if the price isn’t competitive there isn’t much they can do. Exclusive insurance agents are usually quite knowledgeable in insurance sales which aids in selling service over price. Consumers frequently use the same agent partially due to the brand and the convenience of having all coverages with one company.

The following is a list of exclusive agencies in Miami willing to provide rate quotes.

More insurance agents

Picking a auto insurance agent requires more thought than just a cheap price. These are some questions your agent should answer.

Quote. Compare. Save.

Cheaper auto insurance in Miami can be found online and from local agencies, and you should compare rates from both to have the best selection. Some companies don’t offer rates over the internet and usually these small insurance companies provide coverage only through local independent agencies.

Insureds who switch companies do it for any number of reasons including lack of trust in their agent, denial of a claim, an unsatisfactory settlement offer or even policy cancellation. Regardless of your reason for switching companies, switching companies can be less work than you think.

When trying to cut insurance costs, you should never skimp on coverage in order to save money. In many cases, someone sacrificed liability coverage limits and found out when filing a claim that it was a big mistake. Your focus should be to buy a smart amount of coverage for the lowest price and still be able to protect your assets.

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