Are you trying to find more competitive auto insurance rates in Houston, TX? Houston buyers have a choice when searching for low-cost Nissan Rogue insurance. They can either waste time driving around to get rate comparisons or use the internet to find the lowest rates.
There is a right way and a wrong way to buy auto insurance so we’re going to tell you the absolute fastest way to get price quotes for your Nissan and find the best price possible.
Consumers need to get comparison quotes on a regular basis because auto insurance rates are adjusted regularly by insurance companies. Just because you had the lowest rate on Nissan Rogue insurance in Houston a year ago other companies may now be cheaper. Ignore everything you know about auto insurance because we’re going to show you the best methods to properly buy coverages and cut your premium.
If you have coverage now or just want cheaper coverage, use these tips to reduce premiums while maximizing coverage. The purpose of this article is to tell you how car insurance works and some tricks to saving. Smart buyers just need to know the tricks to compare prices over the internet.
Best companies for Nissan Rogue insurance
The auto insurance companies shown below are our best choices to provide price comparisons in Texas. If several companies are displayed, it’s a good idea that you visit several of them to get the most competitive price.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Rogue S 2WD | $328 | $592 | $430 | $26 | $128 | $1,504 | $125 |
| Rogue S AWD | $282 | $560 | $560 | $34 | $168 | $1,604 | $134 |
| Rogue SL 2WD | $140 | $260 | $404 | $24 | $122 | $950 | $79 |
| Rogue SL AWD | $234 | $542 | $520 | $30 | $156 | $1,482 | $124 |
| Get Your Own Custom Quote Go | |||||||
Prices based on single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Rate quotes do not factor in specific location information which can revise coverage rates considerably.
Auto insurance rates based on gender in Houston
The information below visualizes the comparison of Nissan Rogue insurance costs for male and female drivers. The data is based on no accidents, no driving violations, comprehensive and collision coverage, $100 deductibles, marital status is single, and no discounts are applied.
Violations and accidents raise rates
The information below demonstrates how traffic citations and at-fault fender-benders can increase Nissan Rogue annual premium costs for each age group. The rate quotes are based on a single male driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are taken into consideration.
Rate comparison of full coverage and liability-only
The illustration below illustrates the difference between Nissan Rogue auto insurance rates when comparing full coverage to state minimum liability only. The information is based on no claims or driving citations, $250 deductibles, single male driver, and no additional discounts are factored in.
When to eliminate full coverage
There is no clear-cut rule of when to drop full coverage on your policy, but there is a guideline you can use. If the annual cost of having full coverage is about 10% or more of any settlement you would receive from your insurance company, the it may be a good time to stop paying for full coverage.
For example, let’s assume your Nissan Rogue replacement value is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most your company would pay you is $3,000 after the policy deductible has been paid. If it’s costing in excess of $300 annually for physical damage coverage, then you might want to think about dropping full coverage.
There are some cases where eliminating full coverage is not a good plan. If you still have a loan on your vehicle, you must maintain physical damage coverage as part of the loan requirements. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should not opt for liability only.
Why You Might Pay Increased Rates in Houston
Many things are considered when pricing auto insurance. A few of the factors are predictable such as your driving history, but other factors are more obscure like your vehicle usage or your commute time.
- Improve your credit score – Having a good credit score is likely to be a major factor in your rate calculation. If your credit score can use some improvement, you could save money insuring your Nissan Rogue by improving your credit score. Drivers who have good credit tend to be better risks to insure than drivers who have bad credit.
- More traffic equals higher premiums – Having an address in a rural area has it’s advantages when insuring your vehicles. Fewer people means less chance of accidents in addition to lower liability claims Drivers who live in large Texas cities tend to have more aggressive driving styles and more severe claims. Spending more time driving means more chances of being involved in an auto accident.
- Insurance companies don’t like frequent insurance claims – Car insurance companies in Texas give lower rates to drivers who are not frequent claim filers. If you file claims often, you can pretty much guarantee either higher rates or even cancellation. Insurance coverage is intended to be relied upon for major claims that would cause financial hardship.
- High performance equals high prices – The type of vehicle you need insurance for makes a significant difference in your car insurance bill. Since the Nissan Rogue is a crossover, rates will be slightly more than the average rate where you live in Houston. Lower performance four cylinder passenger cars usually have the lowest rates, but many other things help determine your insurance rates.
- Theft deterrents lowers car insurance rates – Owning a car with a theft deterrent system can get you a discount on your car insurance. Theft prevention devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar help track and prevent car theft and help bring rates down.
- Vocation reflects on rates – Did you know that where you work can have an impact on rates? Occupations such as lawyers, business owners and emergency personnel have higher premium rates due to job stress and extremely grueling work hours. Other occupations such as farmers, athletes and retirees generally pay rates lower than average.
- How your age affects premiums – Mature drivers are proven to be safer behind the wheel, cause fewer claims and accidents, and usually have better credit.Teen drivers are statistically shown to be less responsible behind the wheel so car insurance rates are higher.
- Raise comp and collision deductibles and save – Insurance for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your Nissan from damage. A few examples of covered claims are running into the backend of another car, hail damage, and having your car stolen. Comprehensive and collision coverage deductibles represent how much money you are willing to pay if you file a covered claim. The larger the amount you are required to pay out-of-pocket, the better rate you will receive.
- Nissan Rogue insurance loss data – Insurers analyze historical claim data in order to profitably underwrite each model. Vehicles that have increased claim numbers or amounts will have increased rates.
The table below demonstrates the historical insurance loss data for Nissan Rogue vehicles. For each coverage category, the claim probability for all vehicles, regardless of make or model, is equal to 100. Values that are under 100 mean the vehicle has better than average losses, while percentages above 100 indicate higher probability of having a loss or larger claims.
Insurance Loss Ratings for Nissan Rogue Vehicles
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
Score discounts to get cheaper Houston car insurance rates
Insurance can cost an arm and a leg, but there’s a good chance there are discounts that could help you make your next renewal payment. Some trigger automatically when you complete an application, but a few must be manually applied before being credited.
- Life Insurance Discount – Larger companies have a lower car insurance rate if you buy some life insurance too.
- Multiple Vehicles – Drivers who insure multiple cars or trucks with the same car insurance company could earn a price break for each car.
- Seat Belts Save more than Lives – Drivers who always wear seat belts and also require passengers to use a seat belt can save 10% or more off the medical payments premium.
- Multi-policy Discount – When you combine your auto and homeowners insurance with one insurance company you will save over 10 percent off each policy depending on the company.
- Safety Course Discount – Taking part in a course that instructs on driving safety could earn you a small percentage discount and make you a better driver.
- Own a Home and Save – Owning a house in Houston can earn you a little savings because owning a home means you have a higher level of financial diligence.
We need to note that some credits don’t apply to the overall cost of the policy. A few only apply to specific coverage prices like medical payments or collision. Even though it appears all those discounts means the company will pay you, you won’t be that lucky.
A list of companies and their offered discounts can be read below.
- State Farm includes discounts for defensive driving training, anti-theft, good student, Steer Clear safe driver discount, Drive Safe & Save, and good driver.
- American Family may have discounts that include accident-free, Steer into Savings, good driver, good student, and air bags.
- GEICO has discounts for emergency military deployment, anti-lock brakes, anti-theft, military active duty, and driver training.
- 21st Century policyholders can earn discounts including air bags, defensive driver, driver training, early bird, and homeowners.
- Progressive may include discounts for multi-vehicle, good student, online signing, online quote discount, and multi-policy.
If you need lower rates, check with every company to apply every possible discount. Discounts may not be available in Houston.
Comparing prices from local Houston car insurance agents
Many drivers just want to have an agent’s advice and there is nothing wrong with that. Insurance agents can answer important questions and give you someone to call. An additional benefit of comparing insurance prices online is that you can obtain the best rates and still buy from a local agent. Buying insurance from local agencies is important especially in Houston.
After completing this short form, your information is immediately sent to companies in Houston that can give you free Houston car insurance quotes for your business. There is no reason to drive around because prices are sent to the email address you provide. If you have a need to quote rates from a particular provider, feel free to jump over to their website and fill out the quote form the provide.
Exclusive or Independent: There is a difference
If you are wanting to purchase auto insurance from a reputable insurance agent or broker, it’s helpful to know the different types of agencies and how they work. Auto insurance agents can be classified as either independent agents or exclusive agents depending on their employer. Both types of agents can insure your vehicles, but it’s worth mentioning the difference between them since it can impact the type of agent you choose.
Independent Agents (or Brokers)
Agents in the independent channel do not sell for just one brand and that enables them to quote your coverage through lots of different companies and help determine which has the cheapest rates. If you want to switch companies, they simply switch companies in-house and you don’t have to do anything.
If you are trying to find cheaper rates, you absolutely need to get insurance quotes from several independent insurance agents to ensure the widest selection of prices. They often place coverage with small regional insurance companies which can be an advantage.
Listed below is a list of independent insurance agents in Houston who may provide free auto insurance rate quotes.
- AA-USA-Insurance
702 W Sam Houston Pkwy S – Houston, TX 77042 – (713) 914-0354 – View Map - Texas Prime Insurance Agency, LLC
6750 West Loop S #430 – Bellaire, TX 77401 – (713) 750-9000 – View Map - Cornerstone Insurance Agency
24301 Brazos Town Crossing – Rosenberg, TX 77471 – (979) 553-4343 – View Map
Exclusive Auto Insurance Agencies
Agents in the exclusive channel can only write with one company like Allstate, State Farm and Farmers Insurance. Exclusive agents are unable to give you multiple price quotes so they really need to provide good service. Exclusive agents are highly trained on their company’s products which can be an advantage. Some people will only use the same agent mostly because of the prominence of the brand and the convenience of having all coverages with one company.
Listed below are Houston exclusive insurance agents willing to provide rate quotes.
- Jim Webb – State Farm Insurance Agent
8475 Hwy 6 N Ste B – Houston, TX 77095 – (281) 550-2886 – View Map - Felicia Boudreaux – State Farm Insurance Agent
14901 TX-249 #105 – Houston, TX 77086 – (713) 464-2077 – View Map - Scott McNab – State Farm Insurance Agent
1005 Waugh Dr b – Houston, TX 77019 – (713) 520-5556 – View Map
Finding the right insurance agent should include more criteria than just a cheap quote. Any agent in Houston should be forthright in answering these questions:
- Is the agency involved in supporting local community causes?
- Will you work with the agent or an assistant?
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
- Are there any hidden costs in their price quote and does it include driving and credit history?
- By raising physical damage deductibles, how much would you save?
Drivers who switch save $491 a year? Really?
Consumers in Texas can’t avoid all the ads that promise big savings for switching from the likes of Progressive, GEICO, Allstate and State Farm. All the ads say the same thing that drivers will save a bundle if you switch your coverage.
Is it even possible that every company can say the same thing? You have to listen carefully.
All companies give the cheapest rates for the type of driver that will add to their bottom line. For instance, this type of risk profile might be described as over the age of 50, insures multiple vehicles, and drives newer vehicles. A propective insured who matches that profile will get a cheap rate quote in Houston and will cut their rates substantially.
Insureds who don’t qualify for these criteria may be forced to pay a more expensive rate and this results in business not being written. If you pay close attention to the ads, they say “people that switch” but not “all drivers who get quotes” save that much when switching. That’s why companies can make it sound like they have such great premium rates.
This really emphasizes why drivers must compare quotes as often as possible. It is impossible to predict which company will have the lowest auto insurance rates for your situation.
It’s not one size fits all
When choosing coverage online or from an agent for your personal vehicles, there really is not a one size fits all plan. Everyone’s needs are different.
For instance, these questions can aid in determining if you will benefit from professional help.
- Why does it cost so much to insure a teen driver in Houston?
- Will my insurance pay for OEM parts?
- Should I rate my vehicle as business use?
- What is the rate difference between pleasure use and commuting?
- How do I insure my teen driver?
- Should I waive the damage coverage when renting a car?
- I have health insurance so do I need medical payments coverage?
- Is pet coverage available?
- Can I afford to pay high deductible claims out of pocket?
- Do I have newly-aquired coverage?
If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed agent. If you don’t have a local agent, simply complete this short form. It’s fast, doesn’t cost anything and may give you better protection.
In Summary
People leave their current company for any number of reasons including delays in responding to claim requests, denial of a claim, extreme rates for teen drivers and high rates after DUI convictions. Whatever your reason, switching car insurance companies can be easy and end up saving you some money.
When searching for cheaper Houston car insurance quotes, don’t be tempted to buy less coverage just to save a little money. In too many instances, an insured dropped full coverage and learned later that it was a big error on their part. Your objective should be to find the BEST coverage for the lowest price but still have enough coverage for asset protection.
We covered quite a bit of information on how to compare Nissan Rogue insurance prices in Houston. The key concept to understand is the more you quote Houston car insurance, the better chance you’ll have of finding low cost Houston car insurance quotes. You may even discover the biggest savings come from some of the smallest insurance companies.
Additional detailed information can be read in the articles below:
- Side airbags reduce rollover fatalities (Insurance Institute for Highway Safety)
- Who Has the Cheapest Car Insurance Quotes for a Nissan Sentra in Houston? (FAQ)
- How Much is Houston Auto Insurance for Ride Shares? (FAQ)
- Who Has the Cheapest Houston Auto Insurance for Homeowners? (FAQ)
- Who Has Affordable Houston Auto Insurance for Drivers with a Bad Driving Record? (FAQ)
- Who Has Affordable Car Insurance Rates for a Chevrolet Silverado in Houston? (FAQ)
- Who Has Cheap Auto Insurance Quotes for High School Students in Houston? (FAQ)
- New Honda safety features benefit drivers of all ages (Insurance Institute for Highway Safety)
- Protect Yourself Against Auto Theft (Insurance Information Institute)
- Automakers compete to add autobraking (Insurance Institute for Highway Safety)