How many years has it been since you compared more affordable Nissan Rogue insurance in Fort Wayne? No car owner fancies paying their premiums for car insurance, particularly when their premiums are through the roof.
A recent NerdWallet.com study revealed that a large majority of drivers renewed their policy with the same company for well over three years, and almost half have never compared quotes from other companies. The average driver in Indiana can save almost 55% each year just by getting comparison quotes, but they feel it's too difficult to compare rates and save money.
Online insurance companies like State Farm, GEICO and Farmers Insurance increase brand awareness with fancy advertisements and consumers find it hard to ignore the propaganda and take the time to shop coverage around.
It's a good idea to take a look at other company's rates every six months because rates are variable and change quite frequently. Just because you found the best premium rates on Nissan Rogue insurance in Fort Wayne six months ago a different company probably has better prices today. Ignore everything you know about car insurance because you're going to get a crash course in one of the quickest ways to remove unneeded coverages and save money.
Low-cost companies for Nissan Rogue insurance in Indiana
The car insurance companies shown below are our best choices to provide quotes in Fort Wayne, IN. If multiple providers are shown, it's highly recommended you compare several of them to get the best price comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Rogue S 2WD||$236||$502||$384||$22||$114||$1,258||$105|
|Rogue S AWD||$268||$536||$428||$26||$128||$1,386||$116|
|Rogue SL 2WD||$104||$196||$304||$18||$92||$714||$60|
|Rogue SL AWD||$136||$288||$298||$18||$90||$830||$69|
|Get Your Own Custom Quote Go|
Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Indiana minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Table data does not factor in specific location which can change premium rates significantly.
Full coverage or liability only
The chart below shows the comparison of Nissan Rogue premium costs with full phyical damage coverage and with liability coverage only. The data assumes a clean driving record, no claims, $1,000 deductibles, married male driver, and no other discounts are factored in.
When to eliminate full coverage
There isn't a steadfast formula to stop buying physical damage insurance, but there is a broad guideline. If the annual cost of your full coverage insurance is 10% or more of the vehicle's replacement cost less your deductible, then you might want to think about dropping full coverage.
For example, let's pretend your Nissan Rogue settlement value is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $8,000 after paying your policy deductible. If you are currently paying more than $800 annually for physical damage coverage, then you might want to think about dropping full coverage.
There are a few situations where eliminating full coverage is not a good idea. If you still owe a portion of the original loan, you have to maintain full coverage in order to satisfy the requirements of the loan. Also, if you don't have enough money to buy a different vehicle if your current one is totaled, you should maintain full coverage.
Drive safe and save
The chart below shows how violations and accident claims can raise Nissan Rogue car insurance costs for each different age category. The price estimates are based on a single male driver, full coverage, $500 deductibles, and no policy discounts are applied.
Raise deductibles and save
The information below demonstrates how deductible levels and can influence Nissan Rogue insurance premiums for different age groups of insureds. The premium estimates are based on a single male driver, full physical damage coverage, and no other discounts are factored in.
Affordable Fort Wayne insurance quotes with discounts
Not too many consumers would say insurance is affordable, but there are discounts available that many people don't even know exist. Certain reductions will be credited when you complete an application, but some must be requested specifically before they will apply. If you do not double check each discount you qualify for, you are paying more than you should be.
- Include Life Insurance and Save - If the company offers life insurance, you could get better prices if you take out a life policy as well.
- First Accident Forgiveness - This isn't a discount exactly, but a handful of insurance companies will allow you to have one accident without raising rates if your claims history is clear for a particular time prior to the accident.
- Payment Discounts - By paying your policy upfront rather than spreading payments over time you can actually save on your bill.
- Theft Deterrent - Cars and trucks equipped with tracking devices and advanced anti-theft systems have a lower chance of being stolen and will qualify for a discount on a Fort Wayne car insurance quote.
- Military Rewards - Having a family member in the military could mean lower rates.
- Student Discounts - Getting good grades can earn a discount of 20% or more. You can use this discount normally up until you turn 25.
- Cautious Driver Discounts - Drivers who avoid accidents can save up to 40% or more on their Fort Wayne car insurance quote as compared to drivers with claims.
It's important to understand that most discount credits are not given to the entire cost. Some only reduce the price of certain insurance coverages like collision or personal injury protection. Just because it seems like you could get a free insurance policy, insurance companies aren't that generous.
A few of the larger companies and some of the premium reductions they offer are outlined below.
- Progressive offers discounts including continuous coverage, online signing, multi-vehicle, good student, multi-policy, and homeowner.
- The Hartford has savings for air bag, anti-theft, driver training, good student, bundle, vehicle fuel type, and defensive driver.
- Mercury Insurance includes discounts for annual mileage, professional/association, good student, accident-free, multi-car, and multi-policy.
- GEICO may include discounts for multi-policy, five-year accident-free, emergency military deployment, good student, and seat belt use.
- AAA may offer discounts for anti-theft, good student, AAA membership discount, multi-policy, and good driver.
- State Farm offers discounts for good student, multiple policy, defensive driving training, passive restraint, anti-theft, good driver, and student away at school.
When getting free Fort Wayne car insurance quotes, it's a good idea to each company to apply every possible discount. Depending on the company, some discounts might not be offered on policies in every state. If you would like to choose from a list of insurance companies with the best Nissan Rogue insurance discounts in Fort Wayne, follow this link.
You Can Change Your Insurance Rates
Lots of things are used in the calculation when pricing auto insurance. Some of the criteria are obvious such as traffic violations, but other criteria are less obvious like your vehicle usage or your vehicle rating. When buying auto insurance it's important to understand a few of the rating criteria that come into play when calculating the price you pay for auto insurance. When you know what positively or negatively determines premiums, this enables you to make decisions that may result in lower rates.
Listed below are some of the most common factors used by insurance companies to determine your prices.
Credit rating impacts premium premiums - A driver's credit score can be a huge factor in calculating your auto insurance rates. Consumers who have very good credit scores tend to be more responsible as compared to drivers with worse credit. If your credit is not that good, you could be paying less to insure your Nissan Rogue by repairing your credit.
Insurance companies don't like frequent auto insurance claims - Auto insurance companies in Indiana generally give better rates to insureds who file claims infrequently. If you file a lot of claims you can expect either a policy non-renewal or much higher rates. Insurance coverage is intended for larger claims.
Marriage equates to better rates - Walking down the aisle can actually save you money on your auto insurance policy. It usually means you are more stable financially and it's statistically proven that married drivers tend to have fewer serious accidents.
Multi-policy discounts can save money - The majority of auto insurance companies apply a discount to buyers who buy several policies from them. It's known as a multi-policy discount. This can amount to ten or even fifteen percent. Even with this discount, you still need to check prices from other companies to guarantee you are still saving the most.
How your age affects prices - Older, more experienced drivers have been proven to be more responsible, statistically cause fewer accidents, and are safer drivers.Teenage drivers are proven to be less responsible when behind the wheel so they pay higher auto insurance rates.
Nissan Rogue claim probability - Insurers use past insurance losses when they calculate premium costs for each model. Models that the data shows to have increased claim numbers or amounts will cost more to insure. The next table illustrates the loss history for Nissan Rogue vehicles.
For each insurance policy coverage type, the loss probablilty for all vehicles, without regard to make or model, is a value of 100. Values that are 100 or less are indicative of better than average losses, while numbers above 100 point to more losses or an increased chance of a larger loss.
Insurance Loss Ratings for Nissan Rogue Vehicles
|Specific Nissan 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
Local Fort Wayne auto insurance agents and car insurance
A lot of people would rather get advice from a local agent and doing so can bring peace of mind An additional benefit of comparing rate quotes online is the fact that you can find cheap rate quotes but also keep your business local.
Upon completion of this short form, your insurance data is emailed to agents in your area who will gladly provide quotes for your coverage. You never need to even leave your home because prices are sent immediately to you. You can find better rates and a licensed agent to talk to. If for some reason you want to quote rates for a specific company, feel free to go to their quote page to submit a rate quote request.
Picking a provider needs to be determined by more than just the price. Ask your prospective agent these questions:
- Are they full-time agents?
- What are the financial ratings for the companies they represent?
- Do the coverages you're quoting properly cover your vehicle?
- Do they write coverage based solely on cost?
- Does the agent help file claims?
- Does the agency have a positive business rating?
If you are wanting to find a local Fort Wayne insurance agent, it's helpful to know the types of agencies and how they can service your needs differently. Agencies in Fort Wayne may be either independent agents or exclusive agents depending on their employer.
Exclusive Car Insurance Agencies
These type of agents work for only one company and examples are AAA, State Farm, Farmers Insurance, and Allstate. These agents are not able to provide rate quotes from other companies so it's a take it or leave it situation. These agents are well schooled on the products they sell which helps them sell insurance even at higher premiums.
Shown below is a short list of exclusive agents in Fort Wayne who can help you get rate quotes.
Valentine White-Xayarath - State Farm Insurance Agent
5533 S Anthony Blvd - Fort Wayne, IN 46806 - (260) 447-1074 - View Map
Independent Car Insurance Agencies
These agents are not locked into one company so they can quote policies with lots of companies and help determine which has the cheapest rates. If premiums increase, the agent simply finds a different carrier and you don't have to find a new agent.
When comparing rate quotes, you need to compare prices from several independent agencies in order to have the best price comparison.
Shown below are independent agents in Fort Wayne who can help you get rate quotes.
Do drivers who switch really save?
21st Century, Allstate and State Farm regularly use television, radio, and online ads. They all state the claim that drivers will save a bundle if you move your auto insurance policy to them. It sounds good, but how can they all charge lower premium rates? This is the way they can do it.
Most companies can use profiling for the type of customer that earns them the most money. One example of a desirable insured might be between 25 and 40, has a low-risk occupation, and drives less than 10,000 miles a year. Any customer that fits those parameters will probably get cheap prices and will most likely save when they switch companies.
Drivers who are not a match for this ideal profile will see more expensive rates and ends up with business going elsewhere. The trick companies use is to say "drivers that switch" but not "all drivers who get quotes" will save that much if they switch. That is how companies can make the claims of big savings. This emphasizes why you should get a wide range of price quotes. It's just not possible to know which company will have better prices than you're paying now.
Compare but don't skimp
We just showed you a lot of ways to find cheaper Nissan Rogue insurance in Fort Wayne. The most important thing to understand is the more companies you get rates for, the better your comparison will be. Consumers could even find that the best prices are with a lesser-known regional company. These companies may have significantly lower rates on certain market segments compared to the large companies like Progressive or GEICO.
When you buy Fort Wayne car insurance online, make sure you don't sacrifice coverage to reduce premiums. There are a lot of situations where drivers have reduced physical damage coverage only to discover later that their decision to reduce coverage ended up costing them more. The aim is to buy enough coverage at the best cost, but don't skip important coverages to save money.
Some insurance companies do not offer rates over the internet and usually these regional insurance providers sell through local independent agents. The cheapest Nissan Rogue insurance in Fort Wayne is definitely available on the web in addition to local insurance agencies, so you need to compare both in order to have the best price selection to choose from.
More information can be found below:
- Young Drivers: The High Risk Years Video (iihs.org)
- How Much is Indiana Auto Insurance for First-time Drivers? (FAQ)
- Who Has the Cheapest Car Insurance with Multiple Speeding Tickets in Indiana? (FAQ)
- Who Has Cheap Auto Insurance for Retired Military in Indiana? (FAQ)
- Speed and Speed Limit FAQ (iihs.org)
- Higher speed limits cause more fatalities (Insurance Institute for Highway Safety)