Find Cheaper Nissan Rogue Insurance in Minneapolis

Insurance rates Nissan Rogue in MinneapolisIt’s an obvious conclusion that insurance companies want to keep you from comparing rates. Drivers who shop rates annually will, in all likelihood, buy a different policy because there are good odds of finding discount prices. A survey found that people who compared prices regularly saved an average of $865 annually compared to other drivers who don’t regularly compare prices.

If finding the lowest price on insurance in Minneapolis is your objective, understanding the best way to quote and compare insurance premiums can make the process more efficient.

It takes a few minutes, but the best way to find more affordable car insurance rates in Minneapolis is to annually compare prices from insurance carriers that insure vehicles in Minnesota. You can shop around by completing these steps.

A good tip to remember is to make sure you’re comparing similar coverage information on each quote and and to get prices from all possible companies. This provides an apples-to-apples comparison and the best price selection.

Our objective is to teach you how to get online quotes and also save some money in the process If you’re already insured, you will surely be able to reduce the price you pay using the following tips. Although Minnesota car owners must learn how big insurance companies set your policy premium.

Cheapest Nissan insurance rate quotes in Minneapolis

The car insurance companies shown below are our best choices to provide free quotes in Minnesota. If you wish to find cheap auto insurance in Minneapolis, MN, we recommend you get rate quotes from several of them in order to get a fair rate comparison.

Data for Nissan Rogue insurance

The coverage table displayed below covers detailed analysis of rate quotes for Nissan Rogue models. Understanding more about how car insurance prices are determined is important for making decisions when shopping around.

Nissan Rogue Insurance Rates in Minneapolis, MN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rogue S 2WD $118 $220 $344 $20 $104 $806 $67
Rogue S AWD $118 $220 $344 $20 $104 $806 $67
Rogue SL 2WD $118 $220 $344 $20 $104 $806 $67
Rogue SL AWD $118 $260 $344 $20 $104 $846 $71
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Table data represents married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Minnesota minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Rate information does not factor in vehicle garaging location which can lower or raise auto insurance rates considerably.

An analysis of deductible level

One common question asked by Minneapolis drivers is the level to set your comp and collision deductibles. The following tables determine how much more rates are when you buy lower versus higher policy deductibles. The first data set uses a $250 comprehensive and collision deductible and the second price table uses a $500 deductible.

Nissan Rogue insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rogue S 2WD $246 $414 $358 $22 $108 $1,173 $98
Rogue S AWD $246 $414 $358 $22 $108 $1,173 $98
Rogue SL 2WD $246 $414 $358 $22 $108 $1,173 $98
Rogue SL AWD $246 $486 $358 $22 $108 $1,245 $104
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Nissan Rogue insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rogue S 2WD $200 $334 $358 $22 $108 $1,022 $85
Rogue S AWD $200 $334 $358 $22 $108 $1,022 $85
Rogue SL 2WD $200 $334 $358 $22 $108 $1,022 $85
Rogue SL AWD $200 $392 $358 $22 $108 $1,080 $90
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Minnesota minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Premium costs do not factor in garaging location in Minneapolis which can decrease or increase rates significantly.

Based on this data, using a $250 deductible will cost you approximately $14 more each month or $168 each year averaged for all Rogue models than selecting the higher $500 deductible. Due to the fact that you would have to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you go at a minimum 18 months between claim filings, you would probably come out ahead by going with a higher deductible.

How to determine if higher deductibles are a good idea

Average monthly premium for $250 deductibles: $100
Average monthly premium for $500 deductibles (subtract): – $86
Monthly savings from raising deductible: $14
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $14
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 18 months

One important caveat is that increasing deductibles to lower your rates results in a higher out-of-pocket expense when you file a claim. You will want to have enough extra savings in the event you have to pay more to get your vehicle repaired.

The diagram below illustrates how your choice of deductibles and can influence Nissan Rogue insurance rates for each different age category. The rate quotes are based on a married male driver, full physical damage coverage, and no discounts are taken into consideration.

Nissan Rogue insurance rates by age and gender

The illustration below shows the difference between Nissan Rogue auto insurance costs for male and female drivers. The premium estimates are based on no tickets, no at-fault accidents, full physical damage coverage, $100 deductibles, drivers are not married, and no policy discounts are applied.

Car insurance discounts are available to lower rates

Insurance can be prohibitively expensive, but there could be significant discounts that can drop the cost substantially. Many of these discounts will be applied automatically at the time of purchase, but some may not be applied and must be specially asked for before they will apply. If you’re not getting every credit you qualify for, you may be paying too high a price.

Discounts reduce rates, but you should keep in mind that some of the credits will not apply to the entire policy premium. The majority will only reduce the price of certain insurance coverages like comp or med pay. So even though it sounds like it’s possible to get free car insurance, car insurance companies aren’t that generous.

The chart below compares Nissan Rogue insurance costs with and without some available policy discounts. The rates are based on a female driver, no violations or claims, Minnesota state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, multi-car, marriage, safe-driver, homeowner, and claim-free discounts applied.

A few popular companies and their offered discounts are:

Check with each company or agent which discounts you may be entitled to. Some of the discounts discussed earlier might not be offered in your state. To choose insurers with the best discounts in Minnesota, follow this link.

Situations that may require an agent’s advice

When buying coverage for your vehicles, there isn’t really a “best” method to buy coverage. You are unique so your insurance needs to address that. For instance, these questions may help highlight if your situation may require specific advice.

If it’s difficult to answer those questions then you might want to talk to a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier

Insurance agent or online?

Some consumers still like to visit with an insurance agent and that is a personal choice. The biggest benefit of comparing insurance online is you can get the lowest rates and still have an agent to talk to. Buying from local insurance agents is important especially in Minneapolis.

Insurance agents in MinneapolisTo help locate an agent, after submitting this quick form, the coverage information is submitted to insurance agents in Minneapolis that give free quotes for your business. You won’t need to leave your computer because prices are sent to your email. You can find lower rates and an insurance agent to talk to. If you need to compare rates from a specific insurance company, you can always find their quoting web page and complete a quote there.

Listed below is a list of auto insurance companies in Minneapolis that are able to give price quotes for Nissan Rogue insurance in Minneapolis.

5445 S 28th AveMinneapolis, MN 55417(612) 724-4309View Map

3910 Central Ave NEMinneapolis, MN 55421(763) 789-6201View Map

2520 NE Lowry AveMinneapolis, MN 55411(612) 284-3227View Map

2214 Central Ave NEMinneapolis, MN 55418(612) 789-7231View Map

More insurance agents

Picking the best insurance company requires you to look at more than just a cheap price. Below are some questions you should ask.

If you get satisfactory answers to your questions as well as offering an affordable quote, most likely you have located an provider that meets the requirements to properly service your insurance policy.

Compare car insurance prices regularly to save

In this article, we covered many ideas to shop for Nissan Rogue insurance online. The key thing to remember is the more providers you compare, the better your chances of lowering your premium rates. Consumers may even find the best price on car insurance is with some of the smallest insurance companies. Regional companies can often insure niche markets at a lower cost compared to the large companies like Progressive and GEICO.

As you restructure your insurance plan, never buy less coverage just to save a little money. There have been many cases where someone dropped physical damage coverage and learned later that a couple dollars of savings turned into a financial nightmare. Your goal should be to buy a smart amount of coverage at the lowest possible cost, not the least amount of coverage.

Some companies may not have the ability to get quotes online and most of the time these regional carriers only sell through independent insurance agencies. Affordable Nissan Rogue insurance in Minneapolis is available on the web and also from your neighborhood Minneapolis agents, and you should compare price quotes from both to have the best selection.

Additional car insurance information can be found on the following sites: