Save Money on Nissan Rogue Insurance in Orlando

It’s shocking but almost 70% of drivers have been with the same company for over three years, and about 40% of consumers have never taken the time to shop around. Most drivers in Orlando can save 55% each year by just shopping around, but most undervalue the benefits if they replace their high priced policy.

Insurance rates Nissan Rogue in OrlandoIf you want to save money, the best way to find low-cost car insurance rates in Orlando is to begin comparing prices regularly from companies in Florida.

First, get a basic knowledge of individual coverages and the modifications you can make to drop your rates. Many factors that cause rate increases such as careless driving and a low credit score can be eliminated by paying attention to minor details.

Second, compare price quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can provide rates from one company like GEICO and State Farm, while independent agents can provide rate quotes for many different companies.

Third, compare the new rates to your existing policy to see if you can save by switching companies. If you can save money and buy the policy, ensure there is no coverage lapse between policies.

Fourth, give notification to your agent or company of your intention to cancel your current policy and submit a completed application and payment for the new coverage. Once the paperwork is finalized, keep your new certificate of insurance above your visor, in the console, or in the glove compartment.

The key aspect of shopping around is to try to use the same level of coverage on each quote and and to get prices from as many auto insurance providers as possible. This enables a level playing field and a complete selection of prices.

Finding the cheapest coverage in Orlando is actually very simple if you learn how to start. If you’re already insured, you will surely be able to find better prices using these techniques. Nevertheless, Florida car owners benefit from understanding how companies determine what you pay because rates fluctuate considerably.

Keep in mind that making a lot of price comparisons gives you a better chance of getting the best rates. Not every company does Orlando Rogue insurance quotes online, so it’s important to compare quotes from them as well.

The auto insurance companies shown below offer price quotes in Florida. If multiple companies are listed, it’s a good idea that you visit several of them to get the best price comparison.

Three reasons to not skimp on insurance

Even though it can be expensive, insurance is required in Florida but also provides important benefits.

First, almost all states have compulsory liability insurance requirements which means state laws require specific minimum amounts of liability in order to drive the car legally. In Florida these limits are 10/20/10 which means you must have $10,000 of bodily injury coverage per person, $20,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if your car has a loan, almost every bank will make it mandatory that you buy full coverage to ensure they get paid if you total the vehicle. If you cancel or allow the policy to lapse, the bank or lender will purchase a policy for your Nissan for a much higher rate and require you to fork over the higher premium.

Third, insurance preserves not only your Nissan Rogue but also your financial assets. Insurance will also pay for many types of medical costs for yourself as well as anyone injured by you. As part of your policy, liability insurance also covers legal expenses if you are sued as the result of an accident. If you have damage to your Nissan as the result of the weather or an accident, comprehensive (other-than-collision) and collision coverage will cover the damage repairs after a deductible is paid.

The benefits of insuring your car outweigh the cost, especially if you ever need it. Today the average American driver is overpaying more than $825 a year so smart consumers compare quotes at least once a year to help ensure money is not being wasted.

Coverage analysis

The coverage table shown below highlights estimates of policy rates for Nissan Rogue models. Learning as much as possible about how policy premiums are established can help drivers make smart choices when choosing a car insurance company.

Nissan Rogue Insurance Rates in Orlando, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rogue S 2WD $344 $732 $612 $36 $184 $1,908 $159
Rogue S AWD $344 $732 $612 $36 $184 $1,908 $159
Rogue SL 2WD $344 $732 $612 $36 $184 $1,908 $159
Rogue SL AWD $344 $864 $612 $36 $184 $2,040 $170
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Prices based on single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Florida minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Rates do not factor in Orlando location which can modify price quotes considerably.

Deductible analysis

One common question asked by Orlando drivers is which deductible level should you buy. The comparisons below show how much more you’ll pay when you choose different physical damage deductibles. The first data table uses a $100 physical damage deductible and the second data table uses a $500 deductible.

Nissan Rogue insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rogue S 2WD $358 $648 $472 $28 $142 $1,673 $139
Rogue S AWD $358 $648 $472 $28 $142 $1,673 $139
Rogue SL 2WD $358 $648 $472 $28 $142 $1,673 $139
Rogue SL AWD $358 $764 $472 $28 $142 $1,789 $149
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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 $262 $438 $472 $28 $142 $1,342 $112
Rogue S AWD $262 $438 $472 $28 $142 $1,342 $112
Rogue SL 2WD $262 $438 $472 $28 $142 $1,342 $112
Rogue SL AWD $262 $516 $472 $28 $142 $1,420 $118
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Premium costs do not factor in specific location information which can increase or decrease auto insurance rates substantially.

We can estimate from the data above that using a $100 deductible will cost in the ballpark of $28 more each month or $336 for a full year averaged for all Rogue models than selecting the higher $500 deductible. Since you would pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you average more than 14 months between claim filings, you would save more money if you elect the higher deductible.

Auto insurance policy discounts you can’t miss

The cost of insuring your cars can be expensive, but you may find discounts that can help lower your rates. Certain discounts will be applied at quote time, but a few need to be manually applied before you get the savings.Save money with discounts

Just know that some of the credits will not apply to your bottom line cost. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. Even though it appears you could get a free auto insurance policy, it just doesn’t work that way.

The diagram below shows the comparison of Nissan Rogue auto insurance rates with and without policy discounts. The data assumes a female driver, no claims, a clean driving record, Florida state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-policy, multi-car, claim-free, homeowner, and marriage discounts applied.

A few of the larger companies and a summarized list of policyholder discounts are shown below.

Before you buy a policy, ask every insurance company the best way to save money. Depending on the company, some discounts might not be offered in every state. To see auto insurance companies who offer online Nissan Rogue insurance quotes in Florida, click here.

Orlando car insurance companies

Selecting a high-quality car insurance company can be a challenge considering how many different companies there are to choose from in Florida. The rank data below may help you decide which car insurance providers to look at comparing prices from.

Top 10 Orlando Car Insurance Companies Overall

  1. Travelers
  2. USAA
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Allstate
  7. State Farm
  8. The Hartford
  9. Safeco Insurance
  10. Progressive