Best Rates for Nissan Rogue Insurance in Kansas City

Discount Nissan Rogue insuranceIf you want to save money, the best way to find the cheapest price for Nissan Rogue insurance in Kansas City is to regularly compare quotes from different companies in Missouri. Price quotes can be compared by completing these steps.

The most important part of shopping around is that you’ll want to compare the same liability limits and deductibles on every quote and and to compare as many car insurance companies as possible. Doing this enables a level playing field and maximum price selection.

Shockingly, most insurance buyers renewed their policy with the same company for at least four years, and nearly 40% of drivers have never compared insurance rates at all. Missouri consumers could save an average of approximately 25% each year by just comparing quotes, but they don’t invest the time required to find cheap rates by getting comparison quotes.

All major car insurance companies make it easy to get pricing on their websites. Getting online rates for Nissan Rogue insurance in Kansas City doesn’t take a lot of time because it’s just a matter of typing in the coverage amounts you desire into a form. After you complete the form, their rating system obtains your driving record and credit report and generates a price based on these factors. This helps simplify price comparisons, and it’s also necessary to do this in order to get the lowest payment on car insurance.

To fill out one form to compare multiple rates now, take a look at the companies shown below. If you have coverage now, it’s recommended you type in the coverages identical to your current policy. Doing this assures you will receive a rate comparison using the exact same coverages.

The companies shown below can provide free quotes in Kansas City, MO. If you wish to find cheaper car insurance in Missouri, we suggest you compare several of them to get a more complete price comparison.

Rates and other information

The rate information displayed below showcases estimates of coverage costs for Nissan Rogue models. Understanding how car insurance prices are figured can aid in making smart choices when selecting a coverage provider.

Nissan Rogue Insurance Rates in Kansas City, MO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rogue S 2WD $160 $294 $288 $18 $86 $846 $71
Rogue S AWD $160 $294 $288 $18 $86 $846 $71
Rogue SL 2WD $160 $294 $288 $18 $86 $846 $71
Rogue SL AWD $160 $348 $288 $18 $86 $900 $75
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Premium data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Missouri minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Table data does not factor in vehicle garaging location which can modify prices significantly.

Car insurance deductibles

One of the hardest decisions when shopping for car insurance is where should you set your physical damage deductibles. The comparisons below may aid in understanding the differences in premium rates when you select higher and lower comp and collision deductibles. The first set of rates uses a $250 deductible for physical damage and the second price grid uses a $500 deductible.

Nissan Rogue insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rogue S 2WD $206 $346 $302 $18 $90 $987 $82
Rogue S AWD $206 $346 $302 $18 $90 $987 $82
Rogue SL 2WD $206 $346 $302 $18 $90 $987 $82
Rogue SL AWD $206 $408 $302 $18 $90 $1,049 $87
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Nissan Rogue insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rogue S 2WD $168 $280 $302 $18 $90 $858 $72
Rogue S AWD $168 $280 $302 $18 $90 $858 $72
Rogue SL 2WD $168 $280 $302 $18 $90 $858 $72
Rogue SL AWD $168 $330 $302 $18 $90 $908 $76
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Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Missouri minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Rate information does not factor in specific garaging location which can affect premium rates greatly.

Based on the above data, using a $250 deductible will cost in the ballpark of $10 more each month or $120 annually than selecting the higher $500 deductible. Since you would have to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you normally go at a minimum 25 months between claims, you would save money by selecting a higher deductible. The table below shows the way you can decide this on your own policy.

Average monthly premium for $250 deductibles: $83
Average monthly premium for $500 deductibles (subtract): – $73
Monthly savings from raising deductible: $10
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $10
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 25 months

Comparison of car insurance rates by gender and age

The illustration below illustrates the difference between Nissan Rogue annual premium costs for male and female drivers. The premiums assume no claims or driving citations, full coverage, $500 deductibles, drivers are single, and no additional discounts are factored in.

Price comparison of only insuring for liability

The chart below illustrates the difference between Nissan Rogue insurance premiums with liability coverage only compared to full coverage. The price estimates are based on no violations or claims, $1,000 deductibles, marital status is single, and no discounts are applied to the premium.

Deciding between full coverage and liability only

There is no clear-cut rule of when to exclude physical damage coverage on your policy, but there is a guideline you can consider. If the yearly cost for physical damage coverage is more than about 10% of the replacement cost minus the deductible, then you may want to consider only buying liability coverage.

For example, let’s assume your Nissan Rogue replacement cost is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most your company will settle for is $2,000 after the policy deductible has been paid. If you are currently paying more than $200 a year to have full coverage, then you might want to think about dropping full coverage.

There are some cases where dropping full coverage is not in your best interest. If you still have a lienholder on your title, you have to keep full coverage in order to keep the loan. Also, if you don’t have enough money to buy a different vehicle if your current one is in an accident, you should maintain full coverage.

Reduce Insurance Rates with These Tips

It’s important that you understand the different types of things that help determine your policy premiums. When you know what positively or negatively positively or negatively impacts your premiums, this allows you to make good choices that can help you get lower premium levels. Lots of things are part of the calculation when you quote your car insurance policy. Some are pretty understandable like a motor vehicle report, but others are more obscure like your vehicle usage or your financial responsibility.

The itemized list below are some of the major factors that factor into your rates.

Why you need vehicle insurance in Missouri

Despite the fact that car insurance is not cheap in Kansas City, paying for car insurance is required for several reasons.

First, almost all states have mandatory liability insurance requirements which means you are required to carry a specific level of liability protection in order to be legal. In Missouri these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if your Rogue has a loan, it’s most likely the lender will make it mandatory that you have physical damage coverage to protect their interest in the vehicle. If the policy lapses, the bank may insure your Nissan at a much higher rate and make you pay for the much more expensive policy.

Third, insurance safeguards both your Nissan and your assets. It will also reimburse you for medical bills that are the result of an accident. One of the most valuable coverages, liability insurance, also covers legal expenses if someone files suit against you as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, comprehensive and/or collision insurance will pay all costs to repair after the deductible has been paid.

The benefits of carrying adequate insurance more than offset the price you pay, particularly for liability claims. An average driver in America overpays more than $825 a year so you should quote and compare rates every year to make sure the price is not too high.