Nissan Rogue Insurance Rates in Toledo

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Insurance quote for Nissan Rogue in ToledoWould you like to stop overpaying and find more competitive Nissan Rogue insurance in Toledo? Do you think you bought an under-performing, overpriced insurance policy? Say no more because there are lots of people in the same boat.

A recent study showed that the vast majority of consumers in Ohio renewed their policy with the same company for over three years, and virtually 40% of consumers have never shopped around. Many drivers in America can cut their rates by roughly $859 a year by just comparing quotes, but they think it's difficult to find lower-cost insurance by shopping around.

Steps to finding discount Nissan Rogue insurance in Toledo

It takes a little time, but the best way to quote cheaper Nissan Rogue insurance is to compare prices at least once a year from insurers who provide auto insurance in Toledo. This can be done by following these guidelines.

Step 1: Learn about the different coverages in a policy and the factors you can control to keep rates down. Many policy risk factors that are responsible for high rates like inattentive driving and a not-so-good credit history can be eliminated by making minor driving habit or lifestyle changes. Continue reading for information to help prevent costly coverage and find overlooked discounts.

Step 2: Compare rates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only give prices from a single company like GEICO or State Farm, while agents who are independent can provide price quotes for a wide range of insurance providers.

Step 3: Compare the price quotes to your current policy and determine if there is any savings. If you can save some money and switch companies, ensure coverage does not lapse between policies.

Step 4: Provide proper notification to your current company of your intent to cancel your current auto insurance policy. Submit a down payment along with a signed application to your new agent or company. As soon as you have the new policy, store the certificate verifying proof of insurance in your vehicle.

The critical component of shopping around is to make sure you're comparing the same amount of coverage on every price quote and and to get price estimates from as many different insurance providers as possible. Doing this provides a level playing field and the best price quote selection.

Lots of insurance companies contend for your business, so it can be very hard to choose a insurance company to find the absolute best rate on Nissan Rogue insurance in Toledo.

It's important to take a look at other company's rates occasionally due to the fact that insurance prices are usually higher with each renewal. Even if you think you had the best deal on Nissan Rogue insurance in Toledo a couple years back you can probably find a lower rate today. You'll find quite a bit of inaccurate information about Rogue insurance out there, but you can learn some great ways to lower your insurance rates in Toledo.

Keep in mind that making a lot of price comparisons increases your odds of finding a lower rate. Not every company does Toledo Rogue insurance quotes over the internet, so you need to compare quotes on coverage from those companies, too.

The companies shown below are our best choices to provide quotes in Toledo, OH. To get cheap car insurance in Toledo, OH, it's highly recommended you visit as many as you can to get the best price comparison.

Auto insurance analysis for a Nissan Rogue

The information displayed below showcases estimates of prices for Nissan Rogue models. Being able to understand how insurance premiums are determined can be valuable when making decisions on the best policy to buy.

Nissan Rogue Insurance Rates in Toledo, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rogue S 2WD $188 $398 $334 $20 $100 $1,040 $87
Rogue S AWD $188 $398 $334 $20 $100 $1,040 $87
Rogue SL 2WD $188 $398 $334 $20 $100 $1,040 $87
Rogue SL AWD $188 $470 $334 $20 $100 $1,112 $93
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Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Information does not factor in your specific Toledo location which can influence insurance rates substantially.

Comparison of policy deductibles

One of the more difficult decisions when buying auto insurance is how high should your deductibles be. The tables below may help to illustrate the differences in price when you choose different physical damage deductibles. The first data set uses a $100 deductible for physical damage and the second set of rates uses a $500 deductible.

Nissan Rogue insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rogue S 2WD $196 $352 $256 $16 $76 $921 $77
Rogue S AWD $196 $352 $256 $16 $76 $921 $77
Rogue SL 2WD $196 $352 $256 $16 $76 $921 $77
Rogue SL AWD $196 $416 $256 $16 $76 $985 $82
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Nissan Rogue insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rogue S 2WD $142 $238 $256 $16 $76 $728 $61
Rogue S AWD $142 $238 $256 $16 $76 $728 $61
Rogue SL 2WD $142 $238 $256 $16 $76 $728 $61
Rogue SL AWD $142 $280 $256 $16 $76 $770 $64
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Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Price estimates do not factor in vehicle garaging location which can influence premiums significantly.

Using the premium rates above, we can conclude that using a $100 deductible would cost the average driver about $16 more each month or $192 each year than selecting the higher $500 deductible. Because you would be required to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you go at least 25 months between claims, you would probably save some money by selecting a higher deductible.

Violations and accidents raise rates

The example below illustrates how traffic citations and accident claims drive up Nissan Rogue insurance rates for each different age category. The rates are based on a married male driver, full physical damage coverage, $250 deductibles, and no discounts are factored in.

Should you buy full coverage?

The example below compares Nissan Rogue insurance prices when comparing full coverage to state minimum liability only. The prices are based on no driving violations, no at-fault accidents, $1,000 deductibles, single marital status, and no discounts are factored in.

Should you buy full coverage or liability only?

There isn't a written rule of when to phase out comprehensive and collision coverage on your policy, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then you might want to consider buying only liability coverage.

For example, let's say your Nissan Rogue book value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most you would receive is $6,000 after the policy deductible has been paid. If you are paying more than $600 annually for full coverage, then you might want to think about dropping full coverage.

There are some scenarios where dropping full coverage is not recommended. If you still have a lienholder on your title, you have to maintain full coverage to protect the lienholder's interest in the vehicle. Also, if you can't afford to buy a different vehicle if your current one is in an accident, you should maintain full coverage.

Insurance is not optional but you don't have to overpay

Even though it can be expensive, maintaining insurance is required in Ohio but it also protects you in many ways.

  • Almost all states have mandatory insurance requirements which means it is punishable by state law to not carry a specific level of liability insurance in order to be legal. In Ohio these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
  • If your Rogue has a loan, most banks will have a requirement that you carry insurance to guarantee payment of the loan. If you let the policy lapse, the bank may buy a policy for your Nissan at a much higher premium rate and require you to fork over the higher premium.
  • Insurance protects not only your Nissan Rogue but also your financial assets. It will also reimburse you for medical bills for not only you but also any passengers injured in an accident. Liability insurance will also pay for a defense attorney if you are sued as the result of an accident. If your car is damaged in a storm or accident, your policy will cover the damage repairs after a deductible is paid.

The benefits of having insurance more than cancel out the cost, especially for larger claims. As of last year, the average driver in Ohio overpays more than $865 each year so compare quotes from several companies at every policy renewal to ensure rates are competitive.

The Nissan Rogue Insurance Rate Equation

Many things are used when you get your auto insurance bill. Some factors are common sense such as traffic violations, but others are not as apparent like where you live or your commute time. When buying auto insurance it's important to understand the rating factors that are used to determine your policy premiums. When you understand what controls the rates you pay, this allows you to make educated decisions that could help you find cheaper rates.

  • Lower rates for safer cars - Vehicles with good safety scores can get you lower premiums. Highly rated vehicles reduce occupant injuries and lower rates of occupant injuries translates into savings for insurance companies and thus lower rates. If the Nissan Rogue scored at minimum four stars on or an "acceptable" rating on it may be receiving lower rates.
  • Reserve claims for larger damages - Auto insurance companies in Ohio give the best rates to policyholders who do not rely on their insurance for small claims. If you are a frequent claim filer, you can pretty much guarantee either a policy non-renewal or much higher rates. Your car insurance is intended to be relied upon for claims that pose a financial burden.
  • Employer and insurance rates - Jobs such as lawyers, air traffic controllers, and stock brokers have higher premium rates in part from high stress and long work days. On the other hand, jobs such as scientists, students and homemakers pay lower than average rates.
  • Long commutes cost more - The higher the miles on your Nissan annually the higher your rate. Many insurance companies calculate rates based upon how much you drive. Autos that do not get driven very much can get a lower rate than those used for commuting. An improperly rated Rogue can result in significantly higher rates. Ask your agent if your declarations sheet is rated on the correct driver usage, because it can save money.
  • Liability insurance risk factors - Your auto insurance policy's liability coverage provides coverage if you are determined to be liable for damages from an accident. Your policy's liability insurance provides you with a defense in court which can cost thousands of dollars. This coverage is very inexpensive compared to other policy coverages, so do not skimp.
  • Prevent your car from being stolen - Choosing to buy a car with anti-theft technology or alarm system can help lower your premiums. Theft prevention features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help prevent vehicle theft.
  • Gender is a factor - The statistics show that females tend to be a little less risky than males. The data does not necessarily mean that women are BETTER drivers than men. They both cause accidents in similar numbers, but guys get into accidents with more damage. In addition to higher claims, males also receive more costly citations like reckless driving and DUI. Young men ages 16 to 20 generally have the highest accident percentage and therefore pay the highest rates.

    The information below illustrates the difference between Nissan Rogue car insurance rates for male and female drivers. The information is based on no claims or driving citations, full coverage, $100 deductibles, single marital status, and no other discounts are factored in.

  • Insurance loss probability for a Nissan Rogue - Insurance companies use statistical claims data as a way to help calculate a profitable premium price. Models that tend to have higher prevalence or dollar amount of losses will have higher rates.

    The table below outlines the compiled insurance loss statistics for Nissan Rogue vehicles. For each type of coverage, the claim amount for all vehicles as a whole is equal to 100. Numbers under 100 suggest a better than average loss history, while numbers above 100 point to more frequent losses or an increased chance of a larger loss.

    Nissan Rogue Insurance Claim Statistics
    Specific Nissan 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

Cheaper Nissan Rogue insurance in Toledo

Auto insurance is neither fun to buy or cheap, but discounts can save money and there are some available that you may not know about. Many discounts should be triggered at the time of purchase, but some need to be manually applied before you will receive the discount.Auto insurance discounts

  • Military Discounts - Having a deployed family member could be rewarded with lower rates.
  • Discount for Passive Restraints - Factory options such as air bags or automatic seat belts can qualify for discounts of 20 to 30 percent.
  • Defensive Driver Discount - Taking time to complete a driver safety course can save you 5% or more if your company offers it.
  • Mature Driver Discount - Seniors can get reduced rates.
  • Pay Now and Pay Less - If paying your policy premium upfront instead of making monthly payments you could save 5% or more.
  • Government Employees - Federal government employees could qualify for a slight premium decrease with select insurance companies.
  • Discount for Life Insurance - Not every insurance company offers life insurance, but if they do you may earn a break if you buy some life insurance in addition to your auto policy.
  • Discount for Good Grades - Performing well in school could provide a savings of up to 20% or more. Many companies even apply the discount to college students until age 25.
  • Early Signing - A few larger companies allow discounts for buying a new policy prior to your current Rogue insurance policy expiration. The savings is around 10%.

Discounts save money, but please remember that some credits don't apply to your bottom line cost. Some only apply to specific coverage prices like liability and collision coverage. Even though it may seem like all those discounts means the company will pay you, nobody gets a free ride.

The example below illustrates the difference between Nissan Rogue yearly insurance costs with and without discounts applied to the rates. The premium estimates are based on a female driver, a clean driving record, no at-fault accidents, Ohio state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, claim-free, multi-car, multi-policy, and marriage discounts applied.

The best auto insurance companies and some of the discounts are outlined below.

  • GEICO has discounts for multi-vehicle, anti-theft, anti-lock brakes, seat belt use, and good student.
  • MetLife may offer discounts for defensive driver, multi-policy, claim-free, good student, accident-free, good driver
  • State Farm offers discounts including defensive driving training, driver's education, passive restraint, anti-theft, multiple policy, multiple autos, and Steer Clear safe driver discount.
  • Progressive policyholders can earn discounts including good student, homeowner, online signing, continuous coverage, and multi-vehicle.
  • Mercury Insurance includes discounts for ease of repair, anti-theft, location of vehicle, accident-free, and multi-car.
  • 21st Century offers discounts for homeowners, early bird, student driver, good student, theft prevention, 55 and older, and air bags.
  • Allstate has savings for EZ pay plan discount, auto/life discount, 55 and retired, safe driver, and FullPay discount.

When getting free Toledo car insurance quotes, it's a good idea to each company or agent to give you their best rates. Discounts may not be available in Toledo. For a list of insurance companies who offer online Nissan Rogue insurance quotes in Ohio, follow this link.

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

Many people prefer to sit down and talk to an agent and that is just fine! The best thing about price shopping on the web is the fact that drivers can get cheap rate quotes and still have an agent to talk to.

Insurance agency in ToledoFor easy comparison, once you complete this short form, your insurance data is instantly submitted to insurance agents in Toledo who will give you bids for your coverage. You don't have to leave your computer as quotes are delivered instantly to you. You'll get the best rates AND an agent nearby. If you need to quote rates from a particular provider, don't hesitate to search and find their rate quote page and submit a quote form there.

Finding a good provider requires you to look at more than just a cheap price quote. These are some valid questions you should ask.

  • If you have an accident, will your rates go up?
  • Do the coverages you're quoting properly cover your vehicle?
  • What kind of financial rating does the company have?
  • Is there a local claims center in Toledo?
  • Do you work with a CSR or direct with the agent?
  • Can they help ensure a fair claim settlement?

The following is a short list of insurance companies in Toledo that may be willing to give comparison quotes for Nissan Rogue insurance in Toledo.

4149 N Holland Sylvania Rd #3 - Toledo, OH 43623 - (419) 882-1770 - View Map

229 Superior St - Rossford, OH 43460 - (419) 666-5703 - View Map

3520 Heatherdowns Blvd #5 - Toledo, OH 43614 - (419) 385-5775 - View Map

22 N Erie St - Toledo, OH 43624 - (419) 241-5133 - View Map

More Toledo agents

Find affordable rates by being thorough

When buying insurance coverage, do not reduce needed coverages to save money. In many cases, drivers have reduced uninsured motorist or liability limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your focus should be to purchase plenty of coverage at the best cost while still protecting your assets.

You just read many ways to find cheap Nissan Rogue insurance in Toledo. The key concept to understand is the more times you quote, the better your comparison will be. Consumers could even find that the best price on insurance is with some of the lesser-known companies. Regional companies often have lower premium rates on specific markets compared to the large companies like GEICO and State Farm.

Budget-conscious Nissan Rogue insurance is definitely available online and with local Toledo insurance agents, and you should compare rates from both in order to have the best chance of saving money. Some companies do not offer online price quotes and most of the time these small insurance companies work with independent agents.

How to quote cheaper Nissan Rogue insurance in Toledo

If you want to save money, the best way to find affordable car insurance rates in Toledo is to regularly compare price quotes from companies in Ohio.

  1. Read and learn about individual coverages and the things you can change to prevent expensive coverage. Many things that cause high rates like accidents, careless driving, and a less-than-favorable credit history can be controlled by improving your driving habits or financial responsibility.
  2. Compare price quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only quote rates from one company like GEICO or Allstate, while agents who are independent can provide price quotes from many different companies.
  3. Compare the new quotes to your existing coverage and see if there is a cheaper rate in Toledo. If you find better rates, ensure coverage does not lapse between policies.

An important part of this process is to try to compare the same amount of coverage on every price quote and to quote with every insurance company. This helps ensure the most accurate price comparison and a thorough selection of prices.

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