Affordable Insurance for a Nissan Rogue in Baltimore

Insurance for Nissan RogueIt’s an obvious conclusion that auto insurance companies don’t want their customers to go rate shopping. Insureds who shop around annually are very likely to buy a new policy because there is a good probability of finding lower rate quotes. A study showed that people who made a habit of comparing rates saved on average $3,400 over four years compared to other drivers who never compared other company’s rates.

If finding the best rates on Nissan Rogue insurance is the reason you’re here, then learning a little about the best ways to shop for insurance coverage can help make the process easier.

If you want to save money, the best way to get affordable auto insurance rates in Baltimore is to make a habit of regularly comparing prices from insurance carriers in Maryland.

An important note is to make sure you enter similar limits and deductibles on every quote and and to get prices from as many carriers as you can. This enables a fair rate comparison and a better comparison of the market.

Buying the cheapest insurance in Baltimore is much easier if you know where to start. If you’re already insured, you will most likely be able to reduce the price you pay using the following tips. Smart buyers just need to learn the least time-consuming way to quote multiple rates online.

Cheap Nissan Rogue insurance quotes in Baltimore

Insuring your vehicles can cost a lot, but you can get discounts that can help lower your rates. Some discounts apply automatically at the time of purchase, but once in a while a discount must be specifically requested before you will receive the discount. If you are not receiving all the discounts possible, you are paying more than you should be.

A little note about advertised discounts, most of the big mark downs will not be given to all coverage premiums. Most only cut the cost of specific coverages such as liability, collision or medical payments. So when the math indicates you can get free auto insurance, company stockholders wouldn’t be very happy.

The diagram below illustrates the difference between Nissan Rogue insurance premiums with and without some available policy discounts. The prices are based on a male driver, no claims or driving citations, Maryland state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, claim-free, safe-driver, marriage, multi-policy, and multi-car discounts applied.

Some companies that may offer some of the discounts shown above include:

If you need cheaper Baltimore car insurance quotes, ask all companies you are considering which discounts you may be entitled to. Some discounts might not be available to policyholders in your state. If you would like to view insurers with significant discounts in Maryland, click here.

Compare Baltimore Nissan Rogue insurance rate quotes

The auto insurance companies shown below provide price comparisons in Maryland. If you want cheap auto insurance in Maryland, we recommend you visit two to three different companies in order to find the most affordable rates.

Car insurance statistics for a Nissan Rogue

The rate table shown next highlights different insurance policy prices for Nissan Rogue models. Learning more about how insurance policy premiums are formulated is important for drivers to make informed coverage decisions.

Nissan Rogue Insurance Rates in Baltimore, MD
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rogue S 2WD $166 $326 $518 $30 $156 $1,196 $100
Rogue S AWD $166 $326 $518 $30 $156 $1,196 $100
Rogue SL 2WD $166 $326 $518 $30 $156 $1,196 $100
Rogue SL AWD $166 $384 $518 $30 $156 $1,254 $105
Get Your Own Custom Quote Go

Prices based on single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Maryland minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Premium amounts do not factor in specific zip code location which can raise or lower price quotes significantly.

Higher deductibles lower rates

One of the most common car insurance questions is where to set your physical damage deductibles. The data tables below can help you visualize the differences in premium rates when you buy lower versus higher deductibles. The first data set uses a $250 comprehensive and collision deductible and the second rate table uses a $500 deductible.

Nissan Rogue insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rogue S 2WD $314 $528 $458 $28 $138 $1,491 $124
Rogue S AWD $314 $528 $458 $28 $138 $1,491 $124
Rogue SL 2WD $314 $528 $458 $28 $138 $1,491 $124
Rogue SL AWD $314 $624 $458 $28 $138 $1,587 $132
Get Your Own Custom Quote Go

Nissan Rogue insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rogue S 2WD $256 $426 $458 $28 $138 $1,306 $109
Rogue S AWD $256 $426 $458 $28 $138 $1,306 $109
Rogue SL 2WD $256 $426 $458 $28 $138 $1,306 $109
Rogue SL AWD $256 $502 $458 $28 $138 $1,382 $115
Get Your Own Custom Quote Go

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Maryland minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Prices do not factor in the specific area where the vehicle is garaged which can revise auto insurance rates noticeably.

Based on these figures, using a $250 deductible will cost you about $15 more each month or $180 each year than choosing the higher $500 deductible. Since the policyholder would be required to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you usually have at a minimum 17 months between claim filings, you would probably save some money if you choose the higher deductible.

Calculate deductible break even point

Average monthly premium for $250 deductibles: $126
Average monthly premium for $500 deductibles (subtract): – $111
Monthly savings from raising deductible: $15
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $15
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 17 months

One important issue to know is that increasing deductibles to save money means you will have to pay more if you have a claim. You will want to have enough savings in the event you have to pay the deductible for vehicle repair.

The chart below shows how different deductible levels and can affect Nissan Rogue premium costs for different categories of driver ages. The premiums are based on a married male driver, full physical damage coverage, and no discounts are taken into consideration.

Rate comparison of men versus women

The example below shows the difference between Nissan Rogue auto insurance rates for male and female drivers. The price estimates are based on no driving violations, no at-fault accidents, comprehensive and collision coverage, $500 deductibles, single status, and no discounts are applied.

How You Can Control Nissan Rogue Insurance Rates

One of the most helpful ways to save on auto insurance is to to have a grasp of the different types of things that go into determining your auto insurance rates. When you understand what determines premiums, this enables informed choices that will entitle you to much lower annual insurance costs.

You may need specialized insurance coverage

When it comes to your policy, there isn’t really a “perfect” insurance plan. Everyone’s needs are different.

Here are some questions about coverages that may help highlight if you will benefit from professional help.

If you’re not sure about those questions, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form. It is quick, free and you can get the answers you need.

Compare rates but still have a local Baltimore insurance agency

A small number of people would rather buy from a local agent and that can be a great decision Good insurance agents are highly skilled in risk management and help you file claims. One of the best bonuses of comparing rates online is that you can obtain cheap auto insurance rates and still have an agent to talk to.

Baltimore insurance agentsBy using this simple form, the coverage information is sent to companies in Baltimore who will return price quotes to get your business. It simplifies rate comparisons since you won’t have to search for an agent due to the fact that quote results will go to your email. If you want to compare prices for a specific company, you would need to go to their quote page and give them your coverage information.

Choosing the best provider requires more thought than just the premium amount. Here are some questions to ask:

If you need to find a reputable agency, there are a couple of types of insurance agents and how they are slightly different. Auto insurance agents in Baltimore are classified as either exclusive or independent agents depending on their company appointments. Both can handle auto insurance, but we need to point out the difference between them since it can affect your agent selection.

Exclusive Insurance Agents

Exclusive agents can only provide one company’s prices and examples are Farmers Insurance, State Farm, Allstate, and AAA. They usually cannot compare rates from other companies so if the price isn’t competitive there isn’t much they can do. They receive extensive training on sales techniques which can be an advantage.

Listed below is a list of exclusive agents in Baltimore who may provide you with price quotes.

7823 Wise AveBaltimore, MD 21222(410) 282-7283View Map

7435 Baltimore Annapolis BlvdGlen Burnie, MD 21061(410) 760-6651View Map

Charmaine Barnes – State Farm Insurance Agent
900 S Ellwood AveBaltimore, MD 21224(410) 675-1900View Map

View more Baltimore agents

Independent Auto Insurance Agencies

Agents that choose to be independent are not employed by any specific company so they can quote policies with lots of companies and get the cheapest rates. If you want to switch companies, your agent can switch companies and you don’t have to find a new agent. If you need lower rates, you absolutely need to compare quotes from at a minimum one independent agency in order to have the best price comparison.

Shown below are independent insurance agents in Baltimore who can help you get price quote information.

5417 Reisterstown RdBaltimore, MD 21215(410) 358-0411View Map

900 S Charles StBaltimore, MD 21230(410) 385-0455View Map

7840 Eastern AveBaltimore, MD 21224(410) 282-1111View Map

View more Baltimore agents

Best reasons to buy insurance in Maryland

Despite the high cost, maintaining insurance serves several important purposes.

The benefits of buying enough insurance definitely exceed the cost, especially when you need to use it. According to a survey of 1,000 drivers, the average driver is currently overpaying as much as $850 per year so you should quote and compare rates at every renewal to be sure current rates are still competitive.

Cheaper car insurance is out there

Insureds who switch companies do it for any number of reasons including high prices, delays in paying claims, questionable increases in premium or not issuing a premium refund. Regardless of your reason for switching companies, finding a new company is pretty simple and you could end up saving a buck or two.

As you restructure your insurance plan, it’s not a good idea to skimp on coverage in order to save money. There are a lot of situations where an insured dropped full coverage only to find out that they should have had better coverage. The ultimate goal is to buy the best coverage you can find at the best cost while not skimping on critical coverages.

A few companies may not provide online price quotes and many times these smaller companies provide coverage only through local independent agencies. More affordable car insurance in Baltimore is available online and also from your neighborhood Baltimore agents, and you should compare price quotes from both so you have a total pricing picture.

Additional car insurance information is available at the links below