Cheap Madison Nissan Rogue Insurance

  1. Home
  2. >
  3. Madison Auto Insurance
  4. >
  5. Nissan Rogue

Discount Nissan Rogue insuranceIt takes a little time, but the best way to find affordable quotes for auto insurance rates in Madison is to compare quotes once a year from insurance carriers that insure vehicles in Wisconsin.

  • Step 1: Try to comprehend the coverage provided by your policy and the measures you can control to prevent rate increases. Many things that drive up the price such as at-fault accidents and poor credit history can be amended by making minor driving habit or lifestyle changes. Later in this article we will cover information to help prevent costly coverage and earn larger discounts.
  • Step 2: Obtain price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can give quotes from one company like Progressive and State Farm, while independent agents can provide price quotes from multiple companies.
  • Step 3: Compare the new quotes to your current policy and determine if there is any savings. If you find a better price and switch companies, make sure there is no lapse between the expiration of your current policy and the new one.

The most important part of this process is to try to use identical limits and deductibles on each quote request and and to look at as many car insurance companies as possible. This guarantees a level playing field and plenty of rates choose from.

A recent survey discovered that about 70% of customers have remained with the same auto insurance company for well over three years, and just under half have never compared rate quotes at all. Wisconsin drivers could save about 30% each year just by getting comparison quotes, but most undervalue the big savings they would realize if they switch to a new company.

We hope to teach you the best way to quote coverages and also save some money in the process If you currently have a car insurance policy, you will surely be able to find better prices using the concepts covered in this article. Nevertheless, Wisconsin vehicle owners must learn how companies sell insurance online and apply this information to your search.

How to shop Nissan Rogue insurance online

All the larger insurance companies make it easy to get prices for coverage on the web. Getting online rates for Nissan Rogue insurance in Madison is quite simple as you just type in your coverage preferences into a form. When complete, the company's rating system gets your driving record and credit report and quotes a price based on these factors.

The ability to get online rates for Nissan Rogue insurance in Madison simplifies rate comparisons, and it's also necessary to perform this step in order to get cheap prices.

To fill out one form to compare multiple rates now, compare rate quotes from the providers shown below. If you have a policy now, it's recommended you duplicate the insurance coverages identical to your current policy. Doing this guarantees you will get a fair comparison based on similar coverages.

The companies shown below have been selected to offer free quotes in Madison, WI. To get the best car insurance in Madison, we suggest you visit as many as you can to find the most competitive auto insurance rates.

Data for Nissan Rogue insurance

The coverage table shown below highlights detailed analysis of coverage costs for Nissan Rogue models. Understanding more about how premiums are determined can assist in making decisions when shopping around.

Nissan Rogue Insurance Rates in Madison, WI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rogue S 2WD $202 $300 $340 $20 $102 $964 $80
Rogue S AWD $202 $300 $340 $20 $102 $964 $80
Rogue SL 2WD $202 $300 $340 $20 $102 $964 $80
Rogue SL AWD $202 $352 $340 $20 $102 $1,016 $85
Get Your Own Custom Quote Go

Cost estimates assume single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Wisconsin minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Information does not factor in zip code location which can modify coverage rates significantly.

Rate comparison for different deductibles

A question often asked by Madison drivers is how high or low should comp and collision deductibles be. The rates below can help illustrate how much more you'll pay when you buy lower versus higher deductibles. The first rate estimation uses a $250 deductible for comprehensive and collision coverage and the second rate chart uses a $1,000 deductible.

Nissan Rogue insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rogue S 2WD $178 $300 $260 $16 $78 $857 $71
Rogue S AWD $178 $300 $260 $16 $78 $857 $71
Rogue SL 2WD $178 $300 $260 $16 $78 $857 $71
Rogue SL AWD $178 $352 $260 $16 $78 $909 $76
Get Your Own Custom Quote Go
Nissan Rogue insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rogue S 2WD $110 $188 $260 $16 $78 $652 $54
Rogue S AWD $110 $188 $260 $16 $78 $652 $54
Rogue SL 2WD $110 $188 $260 $16 $78 $652 $54
Rogue SL AWD $110 $222 $260 $16 $78 $686 $57
Get Your Own Custom Quote Go

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Wisconsin minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Premium costs do not factor in zip code location which can raise or lower premium rates considerably.

We can derive from the above data that using a $250 deductible will cost in the ballpark of $17 more each month or $204 for a full year than quoting the higher $1,000 deductible. Since you would pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you have more than 44 months between claim filings, you would come out ahead by selecting a higher deductible.

Calculation for raising deductibles

Average monthly premium for $250 deductibles: $72
Average monthly premium for $1,000 deductibles (subtract): - $55
Monthly savings from raising deductible: $17
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $17
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 44 months

One important issue to know is that a higher deductible level results in having to pay to pay more out-of-pocket if you have a claim. You need to make sure you have enough disposable income in the event you have to pay the deductible for vehicle repair.

Impact of violations and accidents on rates

The example below demonstrates how citations and at-fault accidents can impact Nissan Rogue premium costs for each age group. The price estimates are based on a married male driver, full physical damage coverage, $100 deductibles, and no discounts are applied.

Cost of full coverage in Madison

The illustration below illustrates the comparison of Nissan Rogue car insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The rate quotes are based on a clean driving record, no claims, $250 deductibles, marital status is single, and no discounts are applied to the premium.

Should you be buying full coverage?

There is no set guideline that is best for determining when to drop comprehensive and collision coverage on your policy, but there is a guideline you can use. If the yearly cost of full coverage is 10% or more of any settlement you would receive from your insurance company, then it's probably a good time to buy liability coverage only.

For example, let's pretend your Nissan Rogue replacement cost is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most your company would pay you is $4,000 after the deductible is paid. If you are currently paying more than $400 a year for physical damage coverage, then you may want to consider only buying liability coverage.

There are some cases where dropping full coverage is not recommended. If you haven't satisfied your loan, you have to keep full coverage to satisfy the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is damaged, you should not drop full coverage.

Why do I need car insurance?

Despite the high insurance cost for a Nissan Rogue in Madison, insurance is required by state law in Wisconsin and it also provides benefits you may not be aware of.

  • Almost all states have mandatory insurance requirements which means you are required to carry a specific minimum amount of liability coverage in order to be legal. In Wisconsin these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
  • If you have a lien on your Rogue, almost every bank will make it mandatory that you have insurance to ensure the loan is repaid in case of a total loss. If the policy lapses, the bank will be required to insure your Nissan at a more expensive rate and force you to pay the higher premium.
  • Insurance preserves both your Nissan and your assets. Insurance will also pay for all forms of medical expenses for you, any passengers, and anyone injured in an accident. Liability coverage, the one required by state law, also pays for attorney fees and expenses if someone files suit against you as the result of an accident. If damage is caused by hail or an accident, your insurance policy will cover the repair costs.

The benefits of carrying adequate insurance are without a doubt worth the cost, particularly if you ever have a claim. According to a recent study, the average American driver is currently overpaying as much as $700 annually so it's important to compare rates every year to save money.

Insurance policy coverages for a Nissan Rogue

Having a good grasp of a insurance policy can help you determine appropriate coverage for your vehicles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Shown next are the normal coverages offered by insurance companies.

Auto liability

Liability insurance will cover injuries or damage you cause to other people or property that is your fault. It protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 25/50/10 that translate to a $25,000 limit per person for injuries, $50,000 for the entire accident, and a limit of $10,000 paid for damaged property. Alternatively, you may have a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers things such as funeral expenses, structural damage and bail bonds. How much coverage you buy is your choice, but it's cheap coverage so purchase as much as you can afford. Wisconsin requires minimum liability limits of 25/50/10 but it's recommended drivers buy higher limits.

The chart below demonstrates why minimum state limits may not be high enough to cover claims.

Collision coverage protection

Collision coverage will pay to fix damage to your Rogue resulting from a collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as rolling your car, crashing into a building and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible on your Rogue in order to get cheaper collision rates.

Uninsured or underinsured coverage

This coverage protects you and your vehicle when other motorists do not carry enough liability coverage. This coverage pays for hospital bills for your injuries and damage to your Nissan Rogue.

Since many Wisconsin drivers only purchase the least amount of liability that is required (25/50/10), their liability coverage can quickly be exhausted. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently your uninsured/underinsured motorist coverages are set the same as your liability limits.

Medical expense coverage

Med pay and PIP coverage pay for expenses like rehabilitation expenses, funeral costs and surgery. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive protection

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as hail damage, a broken windshield, damage from flooding, a tree branch falling on your vehicle and damage from getting keyed. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle's value is low it's probably time to drop comprehensive insurance.