Scraping up a payment for high-priced Nissan Rogue insurance in Columbia can stress out your funds and force you to prioritize other expenses.
A recent survey discovered that almost 70% of drivers kept their coverage with the same auto insurance company for more than four years, and almost half have never compared rates to find affordable insurance. Drivers in South Carolina could pocket as much as $750 a year by just comparing rate quotes, but they don't believe the actual amount they would save if they switched.
You have so many insurance companies to insure vehicles with, and although it's a good thing to be able to choose, lots of choices makes it harder to get the best deal for Nissan Rogue insurance in Columbia.
You should take the time to do price comparisons before your policy renews because auto insurance prices are rarely the same from one policy term to another. Even if you got the best rates on Nissan Rogue insurance in Columbia a year ago a different company probably has better rate quotes today. You'll find a ton of advice on Rogue insurance online, but we're going to give you some proven techniques to save money.
Many insurance companies like GEICO, State Farm and Progressive allow consumers to get coverage prices directly from their websites. Getting Nissan Rogue insurance prices online doesn't take much effort as you simply type in your coverage information into a form. After you submit the form the company's rating system will obtain your driving and credit reports and returns a price quote based on these and other factors. This makes comparing rates easy, and it's also necessary to have as many quotes as possible in order to find the lowest car insurance rates.
To find out what other companies charge, compare quotes from the companies shown below. If you currently have coverage, we recommend you duplicate coverages and limits identical to your current policy. This guarantees you will have rate quotes for similar coverage.
The companies shown below offer quotes in Columbia, SC. If multiple providers are shown, we suggest you click on several of them in order to get a fair rate comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Rogue S 2WD||$180||$344||$520||$30||$156||$1,230||$103|
|Rogue S AWD||$210||$412||$466||$28||$140||$1,256||$105|
|Rogue SL 2WD||$204||$368||$362||$22||$108||$1,064||$89|
|Rogue SL AWD||$184||$414||$404||$24||$122||$1,148||$96|
|Get Your Own Custom Quote Go|
Data rating is based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and South Carolina minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Rates do not factor in specific location information which can modify coverage prices substantially.
Nissan Rogue annual premiums for males versus females
The chart below shows the comparison of Nissan Rogue insurance premiums for male and female drivers. The price estimates are based on no accidents, no driving violations, comp and collision included, $1,000 deductibles, drivers are not married, and no additional discounts are factored in.
Bad driving habits will cost you more
The diagram below shows how violations and fender-benders can impact Nissan Rogue auto insurance rates for different age categories. Data assumes a single female driver, full coverage, $250 deductibles, and no additional discounts are factored in.
Physical damage deductibles: Should you raise them?
The chart below highlights how deductible selection and can change Nissan Rogue premium costs for each different age group. The premiums are based on a married male driver, full coverage, and no discounts are taken into consideration.
Discount Columbia car insurance rates
Companies don't list their entire list of discounts very well, so below is a list some of the more common and the harder-to-find credits available to you.
- Safe Driver Discounts - Accident-free drivers may save up to 50% more than their less cautious counterparts.
- Memberships - Participating in a civic or occupational organization in Columbia is a good way to get lower rates on your bill.
- Drive Less and Save - Keeping the miles down on your Nissan may allow you to get slightly better premium rates than normal.
- Claim Free - Drivers who don't have accidents get the best car insurance rates in comparison with policyholders that have many claims.
- Home Ownership Discount - Just being a homeowner may trigger a policy discount on car insurance since owning and maintaining a home shows financial diligence.
- Active Military Service - Being deployed with a military unit could trigger a small discount.
- Payment Method - By making one initial payment rather than spreading payments over time you can actually save on your bill.
- Passive Restraints - Vehicles equipped with air bags or motorized seat belts can receive discounts of 20% or more.
- Distant Student - Kids who live away from home to go to college and do not have a car may be able to be covered for less.
One last thing about discounts, most discounts do not apply to your bottom line cost. The majority will only reduce individual premiums such as physical damage coverage or medical payments. Even though it may seem like all the discounts add up to a free policy, companies wouldn't make money that way.
A list of companies and a summarized list of policyholder discounts are detailed below.
- 21st Century offers discounts including driver training, student driver, early bird, good student, anti-lock brakes, and defensive driver.
- State Farm discounts include multiple policy, passive restraint, defensive driving training, Steer Clear safe driver discount, Drive Safe & Save, anti-theft, and safe vehicle.
- AAA offers discounts for AAA membership discount, education and occupation, good student, multi-car, and multi-policy.
- Liberty Mutual policyholders can earn discounts including new graduate, newly retired, newly married, multi-car, exclusive group savings, new move discount, and safety features.
- Progressive has savings for continuous coverage, online signing, homeowner, multi-vehicle, online quote discount, and multi-policy.
If you need affordable Columbia car insurance quotes, ask all companies you are considering which discounts you may be entitled to. Depending on the company, some discounts may not apply in Columbia. If you would like to choose from a list of companies with the best discounts in South Carolina, follow this link.
Buying car insurance from Columbia car insurance agents
Some people still like to buy from a local agent and that is OK! A good thing about getting online price quotes is that you can obtain cheap car insurance rates and still buy from a local agent.
To make it easy to find an agent, after completing this form (opens in new window), your information is immediately sent to companies in Columbia that can provide free Columbia car insurance quotes and help you find cheaper coverage. You won't need to search for any insurance agencies due to the fact that quote results will go immediately to your email address. You can find lower rates without the usual hassles of price shopping. If you need to quote rates from a particular provider, just navigate to their website and submit a quote form there.
Choosing an insurer needs to be determined by more than just the bottom line cost. These questions are important to ask:
- Does the agency provide any after hours assistance?
- Will high miles depreciate repair valuations?
- Is the agency active in community causes in Columbia?
- Are they able to influence company decisions when a claim is filed?
- Do you qualify for any additional discounts?
- Does the agent have a valid license to sell insurance in South Carolina?
- Is there a Errors and Omissions policy in force?
- Does the agency have a good rating with the Better Business Bureau?
Upon getting satisfactory answers to any questions you have as well as cheap Rogue insurance quotes, most likely you have located an insurer that meets your needs to provide car insurance coverage.
Car insurance can get complicated
When buying the right insurance coverage, there isn't really a one size fits all plan. Your situation is unique so your insurance should reflect that Here are some questions about coverages that could help you determine if your insurance needs might need professional guidance.
- Do I have coverage when pulling a U-Haul trailer?
- What if I owe more than I can insure my car for?
- Can I drive in Mexico and have coverage?
- Do I have coverage when making deliveries for my home business?
- Is other people's property covered if stolen from my vehicle?
- Should I buy additional glass protection?
- Which companies will insure high-risk drivers?
- Who is covered by my policy?
- Is a new car covered when I drive it off the dealer lot?
If you can't answer these questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies.
Why you need Rogue insurance in South Carolina
Even though Columbia Rogue insurance rates can get expensive, buying car insurance serves an important purpose.
First, most states have minimum mandated liability insurance limits which means it is punishable by state law to not carry a specific level of liability protection if you drive a vehicle. In South Carolina these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if you have a lien on your Rogue, more than likely the lender will make it mandatory that you have comprehensive coverage to ensure loan repayment if the vehicle is totalled. If the policy lapses, the lender may have to buy a policy to insure your Nissan at an extremely high rate and require you to reimburse them for it.
Third, car insurance protects both your assets and your Nissan Rogue. It will also reimburse you for medical transport and hospital expenses for not only you but also any passengers injured in an accident. Liability insurance, one of your policy coverages, also pays for attorney fees and expenses in the event you are sued. If you receive damage to your vehicle caused by a storm or accident, comprehensive and collision coverage will pay to have it repaired.
The benefits of having car insurance more than cancel out the cost, particularly for liability claims. The average driver in South Carolina is overpaying over $850 per year so it's important to compare rates each time the policy renews to ensure rates are inline.
Detailed coverages of your insurance policy
Knowing the specifics of your policy aids in choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. These are the usual coverages available from insurance companies.
Auto liability - This coverage will cover damage or injury you incur to other people or property by causing an accident. This coverage protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.
Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 25/50/25 which stand for $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.
Liability coverage protects against claims such as loss of income, medical expenses, pain and suffering and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but buy as much as you can afford. South Carolina requires minimum liability limits of 25/50/25 but it's recommended drivers buy more coverage.
Coverage for uninsured or underinsured drivers - Your UM/UIM coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered losses include injuries to you and your family as well as your vehicle's damage.
Due to the fact that many South Carolina drivers only purchase the least amount of liability that is required (South Carolina limits are 25/50/25), it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.
Comprehensive insurance - This pays for damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for things such as fire damage, rock chips in glass, damage from a tornado or hurricane and vandalism. The maximum amount your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.
Collision coverage - Collision insurance will pay to fix damage to your Rogue resulting from a collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage protects against claims such as damaging your car on a curb, colliding with another moving vehicle, driving through your garage door and backing into a parked car. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to choose a higher deductible on your Rogue to save money on collision insurance.
Coverage for medical expenses - Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for things like ambulance fees, hospital visits, doctor visits and chiropractic care. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay
Quote. Compare. Save.
When you buy Columbia car insurance online, never buy lower coverage limits just to save a few bucks. There are many occasions where consumers will sacrifice collision coverage and learned later that the savings was not a smart move. Your objective should be to buy a smart amount of coverage at an affordable rate, but do not sacrifice coverage to save money.
Lower-priced Nissan Rogue insurance in Columbia is attainable online as well as from insurance agents, so you need to quote Columbia car insurance with both in order to have the best chance of saving money. Some insurance companies may not provide the ability to get quotes online and most of the time these small insurance companies provide coverage only through independent agents.
In this article, we covered many ideas to compare Nissan Rogue insurance car insurance rates in Columbia. It's most important to understand that the more providers you compare, the more likely it is that you will get a better rate. Consumers may even find the best price on insurance is with the smaller companies. They can often provide lower premium rates in certain areas compared to the large companies like Allstate and Progressive.
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