Buying cheap auto insurance for a Nissan Rogue depends on a large number of rating criteria such as how long your commute is, your credit rating, and your driving record. Oregon drivers will pay around $732 annually to insure their Rogue, but that price is an approximation calculated based on a 40-year-old married female driver with full coverage and $1,000 deductibles.
When making auto insurance estimates, the issue arises that you are not 40 and maybe not even a female, single instead of married, or maybe you prefer higher deductibles. Even a minor difference in rating variables or coverage information could end up in a significant change in the cost of insuring your Rogue.
This illustrates why the only way to find cheap insurance prices for your Nissan is to just take the time to compare rates yourself.
Vehicle trim level will most likely have an effect on the coverage cost, so the price you will be charged to insure a Rogue S 2WD will be $46 cheaper than the price to insure the fancier Rogue SL AWD trim level, as shown in the chart below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Rogue S 2WD||$132||$256||$380||$22||$114||$904||$75|
|Rogue S AWD||$132||$256||$380||$22||$114||$904||$75|
|Rogue SL 2WD||$132||$256||$380||$22||$114||$904||$75|
|Rogue SL AWD||$132||$302||$380||$22||$114||$950||$79|
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Data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Oregon minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Rate information does not factor in specific zip code location which can increase or decrease premiums noticeably.
Deciding which company has the lowest-priced car insurance rates for a Nissan Rogue calls for a bit more effort than just picking a company at random. Each auto insurance company has their own process to set premium rates, so let’s examine the car insurance companies that tend to be cheaper in Oregon.
It’s important that you understand Oregon car insurance rates are influenced by many factors that control the price you pay for coverage. Turning one year older, buying a different vehicle, or having an accident may cause policy rate changes that can now make some companies cheaper than competitors.
Cheapest Insurance Rates for Your Nissan
|Rank||Company||Cost Per Year|
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Grange has some of the cheapest car insurance rates in Portland at around $708 per year. This is $770 less than the average price paid by Oregon drivers of $1,478. Oregon Mutual, Country, USAA, and Travelers also make the cut as some of the cheaper Portland, OR auto insurance companies.
In the above example, if you are a policyholder with Country and switched to Grange, you might see savings of around $123. Insureds with USAA might save as much as $242 a year, and Travelers customers might reduce rates by $244 a year.
Understand that those premiums are averages for all types of insureds and vehicles and do not factor in an exact location for a Nissan Rogue. So the company that can offer you the best price may not even be in the top 22 companies shown above. That emphasizes why you need to compare rates from multiple companies using your own personal information and vehicle type.
The diagram below highlights how deductible selection can influence insurance premiums when trying to find cheap insurance for a Nissan Rogue. The prices are based on a single male driver, comprehensive and collision coverage, and no discounts are taken into consideration.
The chart above illustrates that a 50-year-old driver could cut expenses by $314 a year by increasing from a $100 deductible up to a $500 deductible, or save $474 by choosing a $1,000 deductible. Youthful drivers, like the age 20 example, could shave up to $1,036 or more just by choosing higher deductibles when buying full coverage.
If you do make the decision to raise your deductibles, it’s a good idea to have additional funds squirreled away to satisfy the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.
A good deal can quickly turn bad
Portland, OR car insurance rates are based on many factors which can substantially change the price you pay for coverage. Simply getting older, marrying your spouse, or getting a ticket for running a stop sign can trigger price changes resulting in some rates now being more affordable than competitors.
Additionally, companies file new Oregon car insurance rates every year or even multiple times each year to ensure their profitability. Higher than normal claims can result in more expensive premiums, while profitable underwriting may cause cheaper Rogue insurance rates.
The graph below shows rates for the cheapest car insurance in Portland, OR for a 45-year-old male driver with no accidents or violations, and a decent credit rating. When quoting prices based on his current risk factors, Grange may have the most affordable car insurance rates in Portland at $963 per year. This is $515 less than the average premium paid by Oregon drivers of $1,478. Country, Oregon Mutual, Travelers, and USAA are the rest of the top five cheapest Portland, OR auto insurance companies.
The example below compares rates after we give the driver from the first rate comparison a chargeable accident, less-than-perfect credit, and a traffic ticket or two. Since every insurance provider has their own guidelines for setting rates, analyzing rate quotes most likely will result in a completely different list of cheap Portland auto insurance companies as shown below.
Amica now has the lowest price in Portland, OR with GEICO, Country, Mutual Enumclaw, and Allied now rounding out the top five. This example proves why it is critical to perform a complete rate comparison to get the most affordable auto insurance rates for a Nissan Rogue.
Rates are calculated by many things and can change without notice, so the most economical option when you bought your policy may now be priced much higher than other options.
How to find cheaper auto insurance for a Nissan Rogue
The list below summarizes a few thrifty suggestions that can help Oregon drivers quote lower-cost coverage.
- Bundle home or renters insurance to earn a discount on car insurance
- Good credit can help you save money
- Lower rates by purchasing a safer vehicle
- Do not pay for full coverage if not needed
- Being accident-free can lower rates significantly
- Shop around for cheaper rates regularly
The final tip is incredibly crucial, as was noted in this write-up. Insurance rates change a lot, so you should be ready to buy from a different company if a lower-cost policy is available.
Loyalty to a specific company is fine, but is isn’t recommended if that loyalty results in overpaying lots of hard earned cash every month. In less than five minutes you could shop around and find cheaper car insurance for a Nissan Rogue in Portland.