Affordable Insurance for a Nissan Rogue in Baltimore

It’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.

• Step 1: Learn about the coverage provided by your policy and the factors you can control to lower rates. Many rating factors that result in higher prices such as traffic violations and a poor credit rating can be rectified by making small lifestyle or driving habit changes.
• Step 2: Request rate estimates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only provide price estimates from one company like Progressive or Allstate, while agents who are independent can quote rates from many different companies.
• Step 3: Compare the quotes to the premium of your current policy to see if cheaper Rogue coverage is available in Baltimore. If you find a lower rate quote, make sure there is no lapse between the expiration of your current policy and the new one.

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.

• Braking Control Discount – Vehicles that have anti-lock braking systems prevent accidents and earn discounts up to 10%.
• Theft Deterrent System – Cars and trucks with anti-theft systems can help prevent theft so companies will give you a small discount.
• Accident Waiver – Not really a discount, but a handful of insurance companies will forgive one accident before your rates go up so long as you are claim-free for a set time period.
• Discount for Swiching Early – A few insurance companies allow discounts for renewing your policy prior to your current Rogue insurance policy expiration. This can save 10% or more.
• Payment Method – By paying your entire bill at once rather than spreading payments over time you could save up to 5%.
• Save with a New Car – Insuring a vehicle that is new is cheaper since newer vehicles are generally safer.
• Drivers Ed for Students – Cut your cost by having your teen driver successfully complete driver’s ed class if it’s offered in school.
• Federal Employees – Being employed by or retired from a federal job could cut as much as 10% off with some insurance companies.
• Seat Belts Save – Drivers who always wear seat belts and also require passengers to use a seat belt may be able to save a few bucks on medical payment and PIP coverage.

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:

• State Farm
• Nationwide
• GEICO
• AAA
• 21st Century
• The Hartford

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.

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.

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.

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.

• Rates can drop if you have more than one policy – Most larger insurance companies afford discounts to insureds who carry more than one policy in the form of a multi-policy discount. Even though this discount sounds good, you still need to comparison shop to confirm you are receiving the best rates possible.
• Rental and towing coverage may not be needed – There are a ton of extra bells and whistles that you can buy if you don’t pay attention. Insurance for rental car reimbursement, death and dismemberment, and extra equipment coverage may be wasting your money. They may seem good when talking to your agent, but your needs may have changed so remove them and pocket the money.
• Getting married is a good thing – Having a spouse can get you a discount on your policy. It translates into being less irresponsible and statistics show drivers who are married file infrequent claims.
• Cars with good safety ratings cost less to insure – Vehicles with high crash test scores are cheaper to insure. Safe vehicles have better occupant injury protection and lower injury rates translates into savings for insurance companies and lower rates for you. If the Nissan Rogue has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you may pay a lower rate.
• Do you save by driving less? – The more you drive your Nissan each year the more it will cost to insure it. Almost all companies calculate prices partially by how you use the vehicle. Cars and trucks left parked in the garage receive lower rates than vehicles that have high annual mileage. It’s a good idea to make sure your auto insurance policy reflects annual mileage. An improperly rated Rogue may be costing you higher rates.
• Your career may increase rates – Do you have a high-stress occupation? Jobs like lawyers, architects, and miners are shown to have higher average rates attributed to intense work situations and long work days. Other occupations like scientists, engineers and the unemployed pay the least.

• Loss probability for a Nissan Rogue – Insurance companies use historical loss data as a tool for profitable underwriting. Vehicles that tend to have higher losses will cost more for coverage. The table below shows the collected loss data for Nissan Rogue vehicles.

  For each coverage category, the claim probability for all vehicles, as an average, is set at 100. Numbers under 100 imply a favorable loss record, while numbers above 100 indicate more frequent losses or a tendency for claims to be larger.

  
  

  Car Insurance Loss Data for Nissan Rogue Models

  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

  BETTER

  AVERAGE

  WORSE

  Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

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.

• What if an uninsured driver hits me?
• Is my cargo covered for damage or theft?
• Am I covered if I have no license?
• Are my friends covered when driving my car?
• Can good grades get a discount?
• Is my business laptop covered if it gets stolen from my vehicle?
• What is an umbrella policy?

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.

By 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:

• Do they have any clout with companies to ensure a fair claim settlement?
• What company holds the largest book of business for them?
• Did they already check your driving record and credit reports?
• Does the company have a solid financial rating?
• Are they giving you every discount you deserve?
• Are aftermarket or OEM parts used to repair vehicles?
• What insurance companies do they work with in Baltimore?

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.

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.

View more Baltimore agents

Best reasons to buy insurance in Maryland

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

• The majority of states have mandatory liability insurance requirements which means it is punishable by state law to not carry specific minimum amounts of liability insurance coverage in order to license the vehicle. In Maryland these limits are 30/60/15 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
• If you bought your Rogue with a loan, almost all lenders will require you to have physical damage coverage to guarantee their interest in the vehicle. If you do not pay your insurance premiums, the bank or lender will purchase a policy for your Nissan at a much higher rate and force you to reimburse them for it.
• Insurance safeguards both your Nissan and your personal assets. It will also cover many types of medical costs for yourself as well as anyone injured by you. As part of your policy, liability insurance also pays expenses related to your legal defense if you are sued as the result of an accident. If your Nissan gets damaged, comprehensive and/or collision insurance will pay to restore your vehicle to like-new condition.

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

• Prepare your Teens for Safe Driving (InsureUonline.org)
• Who Has Cheap Auto Insurance Rates for 18 Year Olds in Baltimore? (FAQ)
• What Car Insurance is Cheapest for State Employees in Baltimore? (FAQ)
• What Car Insurance is Cheapest for Seniors in Baltimore? (FAQ)
• What Insurance is Cheapest for a Jeep Wrangler in Baltimore? (FAQ)
• Child Safety FAQ (iihs.org)
• Five Mistakes to Avoid (Insurance Information Institute)