If you are a novice to online auto insurance shopping, most likely you are confused due to the large selection insurance agents and companies that all promise the best rates for Nissan Rogue insurance in Boston.
Steps to buying discount Nissan Rogue insurance in Boston
If saving money is your primary concern, then the best way to get low-cost Nissan Rogue insurance is to start doing a yearly price comparison from providers who sell auto insurance in Boston.
First, read and learn about car insurance and the things you can control to keep rates in check. Many factors that result in higher rates such as getting speeding tickets and a lousy credit rating can be eliminated by being financially responsible and driving safely. Later in this article we will cover additional tips to get cheaper rates and find overlooked discounts.
Second, get rate quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only give prices from one company like Progressive or Allstate, while independent agencies can provide price quotes from multiple sources.
Third, compare the quotes to your current policy to see if cheaper Rogue coverage is available. If you can save money and make a switch, ensure there is no coverage lapse between policies.
Fourth, provide proper notification to your current company of your intent to cancel your current coverage and submit the required down payment along with the signed application to the new company. As soon as coverage is bound, place your new certificate of insurance above your visor, in the console, or in the glove compartment.
One important bit of advice is to try to use similar limits and deductibles on every price quote and and to compare as many different insurance providers as possible. Doing this guarantees an accurate price comparison and a better comparison of the market.
It’s safe to assume that insurance companies want to keep your business as long as possible. Consumers who do rate comparisons are highly likely to switch auto insurance companies because of the good chance of finding a lower-cost company. A study showed that consumers who made a habit of comparing rate quotes saved on average $72 a month as compared to drivers who didn’t regularly shop around.
If finding budget-friendly rates on Nissan Rogue insurance is why you’re reading this, then having some insight into how to quote prices and compare insurance can help make the process easier and more efficient.
You should make it a habit to get comparison quotes once or twice a year because auto insurance rates are variable and change quite frequently. If you had the best deal on Nissan Rogue insurance in Boston on your last policy you may be paying too much now. You can find a lot of misleading information regarding Rogue insurance on the web, but in just a couple of minutes you can learn a bunch of ideas how to lower your auto insurance premiums.
If you have a policy now, you will definitely be able to get lower rates using the following tips. Finding and comparing the lowest cost car insurance coverage in Boston is not as difficult as people think. But Massachusetts vehicle owners do need to learn the way companies determine how much to charge because rates are impacted by many factors.
When shopping for affordable Nissan Rogue insurance quotes, there are a couple of ways to compare quotes from lots of Massachusetts insurance companies. By far the easiest way to lower the rate you pay for insurance is to jump online and get quotes.
When quoting insurance, remember that quoting more will increase your chances of finding more affordable insurance. Not every company allows you to get price estimates online, so it’s important to compare rates from those companies as well.
The providers in the list below are our best choices to provide comparison quotes in Massachusetts. To get the best cheap car insurance in Massachusetts, it’s highly recommended you visit several of them to find the most affordable auto insurance rates.
Save a ton by taking advantage of discounts
Insurance is not an enjoyable expense, but there are discounts available that many people don’t even know exist. Certain reductions will be credited when you complete an application, but a few must be requested specifically before you get the savings.
- Student Driver Training – Cut your cost by having your teen driver successfully complete driver’s ed class as it can save substantially.
- Early Switch Discount – Some companies give discounts for switching policies prior to the expiration date on your current Rogue insurance policy. This discount can save up to 10%.
- Discount for New Cars – Buying a new car instead of a used Rogue can get you a discount because new vehicles keep occupants safer.
- Own a Home – Just owning your own home can save a few bucks since owning and maintaining a home requires personal responsibility.
- Paperless Signup – Some of the larger companies provide a small discount get Boston auto insurance on the web.
- Distant College Student Discount – Youth drivers who are enrolled in a college that is more than 100 miles from Boston and do not have a car could get you a discount.
Discounts reduce rates, but you should keep in mind that most of the big mark downs will not be given to all coverage premiums. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. If you do the math and it seems like adding up those discounts means a free policy, nobody gets a free ride. Any amount of discount will lower your policy cost.
The chart below shows the difference between Nissan Rogue insurance premiums with and without discounts applied to the policy premium. The data is based on a female driver, a clean driving record, no at-fault accidents, Massachusetts 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 multi-policy, safe-driver, multi-car, claim-free, homeowner, and marriage discounts applied.
The best insurance companies and their possible discounts can be found below.
- American Family offers premium reductions for Steer into Savings, air bags, good driver, mySafetyValet, early bird, and accident-free.
- Farm Bureau may have discounts that include good student, driver training, multi-policy, multi-vehicle, and renewal discount.
- State Farm has savings for student away at school, Drive Safe & Save, accident-free, anti-theft, Steer Clear safe driver discount, and safe vehicle.
- Travelers includes discounts for IntelliDrive, payment discounts, home ownership, driver training, continuous insurance, and new car.
- The Hartford offers discounts for bundle, anti-theft, vehicle fuel type, good student, air bag, defensive driver, and driver training.
- GEICO may include discounts for membership and employees, multi-vehicle, defensive driver, air bags, federal employee, and anti-theft.
- Progressive policyholders can earn discounts including continuous coverage, online signing, multi-policy, homeowner, online quote discount, good student, and multi-vehicle.
When quoting, ask each company or agent which discounts they offer. Discounts might not apply in Boston. If you would like to see a list of companies that offer some of these discounts in Boston, follow this link.
Auto insurance statistics and figures
The coverage table shown below covers a range of insurance coverage prices for Nissan Rogue models. Having a better understanding of how prices are figured is important for making smart choices when selecting a coverage provider.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Rogue S 2WD||$222||$426||$396||$24||$118||$1,186||$99|
|Rogue S AWD||$222||$426||$396||$24||$118||$1,186||$99|
|Rogue SL 2WD||$222||$426||$396||$24||$118||$1,186||$99|
|Rogue SL AWD||$222||$502||$396||$24||$118||$1,262||$105|
|Get Your Own Custom Quote Go|
Prices based on married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Massachusetts minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Price information does not factor in the specific area where the vehicle is garaged which can revise premium rates substantially.
Higher deductibles lower rates
One frequently asked question is the level to set your comp and collision deductibles. The data tables below may help to illustrate the differences in premium rates when you buy lower versus higher physical damage coverage deductibles. The first rate comparisons uses a $100 deductible for physical damage and the second price chart uses a $500 deductible.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Rogue S 2WD||$288||$520||$378||$22||$114||$1,347||$112|
|Rogue S AWD||$288||$520||$378||$22||$114||$1,347||$112|
|Rogue SL 2WD||$288||$520||$378||$22||$114||$1,347||$112|
|Rogue SL AWD||$288||$612||$378||$22||$114||$1,439||$120|
|Get Your Own Custom Quote Go|
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Rogue S 2WD||$210||$350||$378||$22||$114||$1,074||$90|
|Rogue S AWD||$210||$350||$378||$22||$114||$1,074||$90|
|Rogue SL 2WD||$210||$350||$378||$22||$114||$1,074||$90|
|Rogue SL AWD||$210||$414||$378||$22||$114||$1,138||$95|
|Get Your Own Custom Quote Go|
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Massachusetts minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Price information does not factor in the specific area where the vehicle is garaged which can raise or lower coverage prices greatly.
Using the premium rates above, we can conclude that using a $100 deductible would cost the average driver about $23 more each month or $276 each year than opting for the higher $500 deductible. Due to the fact that you would have to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you usually have at least 17 months between claim filings, you would save more money if you choose the higher deductible.
Nissan Rogue full coverage rates compared to liability only
The illustration below visualizes the comparison of Nissan Rogue insurance rates with liability coverage only compared to full coverage. The price estimates are based on no accidents or driving violations, $250 deductibles, single status, and no discounts are factored in.
Guidelines for dropping full coverage
There is no definitive guideline of when to drop full coverage, but there is a guideline you can consider. If the annual cost of coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then you might want to consider buying only liability coverage.
For example, let’s pretend your Nissan Rogue settlement value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, you would only receive $4,000 after paying your policy deductible. If it’s costing in excess of $400 a year for full coverage, then you might want to consider buying only liability coverage.
There are a few situations where dropping full coverage is not a good plan. If you still have a loan on your vehicle, you must maintain physical damage coverage as part of the loan requirements. Also, if your finances do not allow you to purchase a different vehicle if your current one is in an accident, you should not consider dropping full coverage.
Auto insurance is available from local insurance agents
Certain consumers would prefer to talk to an insurance agent and that is a personal choice. An additional benefit of getting free rate quotes online is that you can obtain lower rates and still have an agent to talk to. Buying from and supporting neighborhood insurance agencies is important especially in Boston.
After completing this short form, your insurance coverage information is instantly submitted to companies in Boston that give free quotes and help you find cheaper coverage. You won’t even need to leave your house since price quotes are sent to you directly. You can most likely find cheaper rates AND an agent nearby. If you have a need to compare prices from one company in particular, just find their quoting web page and submit a quote form there.
If you want to use a reputable insurance agent or broker, there are a couple of different agency structures and how they are distinctly different. Agents can be classified as either independent or exclusive.
Independent Insurance Agents
These agents are not employed by one company and that gives them the ability to insure through many different auto insurance companies depending on which coverage is best. If they find a lower price, they can switch companies in-house which is easy for the insured. When searching for an agent, it’s a good idea to compare prices from at least one independent agent so that you can do a thorough price comparison. Most also write with different regional companies which may provide better rates.
Below is a partial list of independent agents in Boston that may be able to give cheap rate quotes.
- Lighthouse Insurance Agency
470 W Broadway – Boston, MA 02127 – (617) 464-3777 – View Map
- Security Insurance Agency, Inc
313 Washington St – Brookline, MA 02445 – (617) 739-2886 – View Map
- Massamont Insurance Agency Inc
280 Summer St – Boston, MA 02210 – (617) 478-5205 – View Map
Exclusive insurance agents are contracted to one company and examples are AAA, Allstate, and State Farm. They are unable to give you multiple price quotes so they have to upsell other benefits. These agents are trained well on their company’s products which helps them sell insurance even at higher premiums. Consumers sometimes choose to use an exclusive agent mostly because of the prominent brand name instead of buying on price only.
The following are exclusive insurance agents in Boston willing to provide rate quotes.
- Allstate Insurance: Abner Joseph
571 Dudley St Ste A – Boston, MA 02125 – (617) 442-9490 – View Map
- AAA Boston
125 High St – Boston, MA 02110 – (617) 443-9300 – View Map
Finding a good car insurance agent should depend on more than just the price. Any agent in Boston should have no problem answering these questions:
- Are there any discounts that you might be missing?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Where are claims handled?
- Does the company use OEM repair parts?
- Is there a 24/7 contact number?
- Can you choose the body shop in case repairs are needed?
Insurance can be complex
When it comes to the right insurance coverage, there is no one size fits all plan. Everyone’s situation is a little different.
These are some specific questions may help highlight whether you might need an agent’s assistance.
- Do I have any recourse if my insurance company denies a claim?
- Am I covered if hit by an uninsured driver?
- Do I need rental car coverage?
- Can I afford low physical damage deductibles?
- Should I have combined single limit or split liability limits?
- Does every company file a SR-22 automatically?
- Is my babysitter covered when using my vehicle?
- What if I total my Nissan Rogue and owe more than it’s worth?
- What can I do if my company won’t pay a claim?
- What are the financial responsibility laws in my state?
If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to an agent. If you want to speak to an agent in your area, fill out this quick form.
Six Tips to Get Cheaper Boston Insurance Rates
The best way to find cheaper car insurance is to take a look at some of the elements that are used to determine your car insurance rates. If you have some idea of what positively or negatively impacts your premiums, this empowers consumers to make smart changes that can earn you lower premium levels.
Keep the miles off and save – Driving a lot of miles in a year the higher your rate. A lot of insurance companies rate vehicles partially by how you use the vehicle. Vehicles left parked in the garage can be on a lower rate level than those that get driven frequently. Having an incorrect usage rating on your Rogue may be costing you higher rates. It’s a good idea to make sure your car insurance policy properly reflects annual mileage, because improper ratings can cost you money.
Safer cars save money – Vehicles that have high safety ratings get lower rates. Highly rated vehicles have better occupant injury protection and lower injury rates means lower claim amounts and thus lower rates.
Lower rates by increasing physical damage deductibles – Physical damage coverage, otherwise known as comp (or other than collision) and collision, protects your Nissan from damage. Some examples of claims that would be covered are a dented fender, damage caused by hail, and damage caused by flying debris. Physical damage deductibles are the amount of money you are required to spend if the claim is covered. The more expense you pay before a claim is paid (deductible), the less money you will pay for car insurance.
Men drivers tend to cost more – Over time, data shows females are less aggressive when driving. It does not mean females are better drivers. They both tend to get into auto accidents at about the same rate, but the men have costlier accidents. Men also get cited for more serious violations like reckless driving and DUI. Youthful male drivers are the most expensive to insure so they pay the highest premiums.
The example below compares Nissan Rogue car insurance costs for male and female drivers. Data assumes no claims or driving violations, full coverage, $250 deductibles, single marital status, and no discounts are factored in.
Don’t let your policy lapse – Letting your insurance expire can be a quick way to bump up your car insurance costs. In addition to paying higher rates, the inability to provide proof of insurance might get you fines and jail time.
Add-on coverages push up rates – Insurance companies have many extra bells and whistles that may not really be needed on your Rogue policy. Things like vanishing deductibles, death and dismemberment, and Farm Bureau memberships are some examples. They may sound like good ideas when discussing your needs, but if they’re wasting money remove them from your policy.
Insurance loss data for a Nissan Rogue – Insurance companies take into consideration historical loss data for every vehicle when determining insurance costs. Vehicles that are shown to have higher frequency or amount of claims will have higher rates.
The next table shows the actual insurance loss data for Nissan Rogue vehicles. For each coverage category, the claim amount for all vehicles, regardless of make or model, is a value of 100. Values under 100 mean the vehicle has better than average losses, while values over 100 show a trend for more claims or an increased chance of a larger loss.
|Vehicle 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
Three reasons to insure your vehicle
Despite the high cost of buying insurance for a Nissan Rogue in Boston, paying for car insurance may be mandatory for several reasons.
First, almost all states have minimum liability requirements which means you are required to carry a minimum amount of liability insurance in order to be legal. In Massachusetts these limits are 20/40/5 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
Second, if your Nissan Rogue has a loan, most banks will stipulate that you have comprehensive coverage to protect their interest in the vehicle. If you default on your policy, the bank may buy a policy for your Nissan for a lot more money and make you pay the higher premium.
Third, car insurance preserves both your vehicle and your personal assets. Insurance will pay for medical expenses that are the result of an accident. Liability coverage will also pay to defend you if you are named as a defendant in an auto accident. If damage is caused by hail or an accident, your policy will cover the damage repairs after a deductible is paid.
The benefits of having insurance are definitely more than the cost, particularly if you ever have a claim. On average, a vehicle owner in Boston is overpaying over $825 a year so we recommend shopping around each time the policy renews to ensure rates are inline.
Keep this in mind when shopping around
We just presented some good ideas how to find cheaper Nissan Rogue insurance in Boston. The most important thing to understand is the more price quotes you have, the more likely it is that you will get a better rate. Consumers could even find that the lowest auto insurance rates come from a small local company.
When trying to cut insurance costs, don’t be tempted to buy poor coverage just to save money. In many cases, an insured dropped full coverage only to regret that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to buy the best coverage you can find at an affordable rate.
Consumers switch companies for a number of reasons such as lack of trust in their agent, questionable increases in premium, extreme rates for teen drivers and even policy cancellation. Regardless of your reason, choosing a new company can be less work than you think.
How to save on Nissan Rogue insurance in Boston
If saving money is your primary concern, then the best way to find low-cost prices for Nissan Rogue insurance is to regularly compare quotes from insurance carriers who provide auto insurance in Boston.
- First, get an understanding of the different coverages in a policy and the modifications you can make to prevent high rates. Many factors that increase rates such as at-fault accidents, careless driving, and an imperfect credit score can be remedied by paying attention to minor details.
- Second, quote rates from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can provide rates from a single company like Progressive or State Farm, while independent agents can quote rates for many different companies.
- Third, compare the new quotes to the price on your current policy to see if switching to a new carrier will save money. If you find a better price and change companies, make sure coverage does not lapse between policies.
The key thing to know about shopping around is to make sure you enter the same physical damage deductibles and liability limits on each quote and and to get rates from every company you can. Doing this ensures an accurate price comparison and many rates to choose from.
Additional information can be found at the links below
- Auto Insurance FAQ (Farmers Insurance)
- How Much are Auto Insurance Quotes for a Chevrolet Traverse in Boston? (FAQ)
- What Insurance is Cheapest for Welfare Recipients in Boston? (FAQ)
- How Much are Auto Insurance Rates for a Toyota Camry in Boston? (FAQ)
- Older Drivers FAQ (iihs.org)
- Young Drivers: The High Risk Years Video (iihs.org)
- How to Avoid Common Accidents (State Farm)