How long has it been since the last time you looked for cheaper Nissan Rogue insurance in Atlanta? Finding cheaper insurance for a Nissan Rogue in Georgia can normally be an all-consuming task, but you can use our insurance buying tips and make it easy. There is a better way to shop for insurance and we'll show you the best way to quote coverages for your Nissan and get the lowest price from Atlanta insurance agents and online providers.
It's smart to do rate comparisons periodically because insurance prices are constantly changing. If you had the best deal on Nissan Rogue insurance in Atlanta a couple years back you can probably find a better rate quote now. Ignore everything you know about insurance because you're going to learn the fastest and easiest way to save money, get proper coverage and the best rates.
Companies offering low-cost Nissan Rogue rates in Atlanta, GA
The companies shown below are ready to provide price quotes in Atlanta, GA. If the list has multiple companies, we suggest you visit two to three different companies to get the best price comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Rogue S 2WD||$376||$752||$600||$36||$180||$1,944||$162|
|Rogue S AWD||$170||$296||$458||$28||$138||$1,090||$91|
|Rogue SL 2WD||$298||$590||$538||$32||$162||$1,620||$135|
|Rogue SL AWD||$332||$828||$538||$32||$162||$1,892||$158|
|Get Your Own Custom Quote Go|
Data variables include single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Georgia minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Estimates do not factor in Atlanta location which can alter insurance rates considerably.
Raise deductibles and save
The chart below demonstrates how deductibles and can change Nissan Rogue insurance costs for different age groups of insureds. The data assumes a single female driver, full physical damage coverage, and no policy discounts are applied.
Atlanta auto insurance discounts
Car insurance companies do not list all discounts in a way that's easy to find, so we took the time to find some of the more common as well as some of the hidden discounts you could be receiving when you buy Atlanta auto insurance online.
- Early Switch Discount - Select auto insurance companies give a discount for buying a new policy before your current expiration date. This can save 10% or more.
- Discounts for Safe Drivers - Safe drivers can save up to 40% or more on their Atlanta auto insurance quote compared to rates paid by drivers with frequent claims.
- Discount for Multiple Policies - If you can combine your auto and homeowners policy with one company you will save at least 10 to 15 percent or more.
- Claim-Free Discount - Insureds who avoid accidents and claims pay much less in comparison with accident-prone drivers.
- Early Payment Discounts - If paying your policy premium upfront instead of monthly or quarterly installments you may reduce your total bill.
- Air Bag Discount - Vehicles with factory air bags and/or automatic seat belt systems could see savings of 20 to 30 percent.
- Save over 55 - Mature drivers could receive lower premium rates.
- ABS Braking Discount - Vehicles that have steering control and anti-lock brakes are much safer to drive so you can save 10 percent or more.
- Online Discount - Some insurance companies give back up to $50 shop Atlanta auto insurance online.
A little note about advertised discounts, many deductions do not apply to the whole policy. Some only apply to the cost of specific coverages such as comprehensive or collision. Even though it appears you can get free auto insurance, companies don't profit that way.
To locate insurers that have a full spectrum of discounts in Atlanta, click this link.
Smart Buyers Save More
Many different elements are used in the calculation when you get a price on insurance. Most are fairly basic like a motor vehicle report, but other criteria are not as apparent such as your credit history or your commute time. Smart consumers have a good feel for some of the things that are used to determine the rates you pay for car insurance. If you have some idea of what controls the rates you pay, this allows you to make educated decisions that can help you get much lower annual insurance costs.
The factors shown below are some of the things companies use to determine prices.
Save money by having good credit - An insured's credit score will be a significant factor in determining what you pay. So if your credit history could use some work, you may save money insuring your Nissan Rogue by improving your credit score. Consumers who have very good credit scores tend to be more responsible than those with poor credit.
Keep premiums low by being claim-free - If you file claims often, you should expect either higher rates or even cancellation. Car insurance companies in Georgia award the lowest premiums to policyholders who file claims infrequently. Your car insurance is meant to be used in the event of the large, substantial claims.
How many coverages with the same company - Most major insurers give better rates to clients that buy multiple policies such as combining an auto and homeowners policy. The discount can add up to ten percent or more. Even if you already get this discount, you still need to compare other Atlanta Rogue insurance rates to help guarantee you have the best rates. You may still be able to find lower rates by buying insurance from more than one company.
Accidents can increase rates - Only having one speeding ticket may cause rates to rise forty percent or more. Good drivers get better prices than bad drivers. Drivers unfortunate enough to have severe tickets like DUI, reckless driving or excessive speeding may be required to maintain a SR-22 with their state's licensing department in order to continue driving.
Always keep your coverage in place - Allowing your car insurance policy to lapse is a quick way to increase your rates. And not only will your rates increase, getting caught without coverage could earn you a steep fine or even jail time.
Your age impacts your costs - Teenage drivers in Georgia tend to be inattentive in a vehicle therefore car insurance rates are much higher. Adding a young driver to your policy can be quite pricey. Older people are shown to be more cautious, are lower risk to insure, and are generally more financially stable.
Single drivers take more risk - Your spouse may earn you lower rates on car insurance. Marriage is viewed as being more responsible and it's statistically proven that drivers who are married are more cautious.
Insurance losses for a Nissan Rogue - Insurers factor in insurance loss information as a way to help calculate a profitable premium rate. Models that historically have increased claim numbers or amounts will have a higher cost to insure. The table below outlines the insurance loss data used by companies for Nissan Rogue vehicles.
For each policy coverage type, the loss probability for all vehicles averaged together equals 100. Values that are under 100 are indicative of better than average losses, while numbers that are greater than 100 indicate a higher chance of having a claim or statistically larger losses.
Insurance Loss Ratings for Nissan Rogue Vehicles
|Make and 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
When choosing the right insurance coverage for your personal vehicles, there isn't really a perfect coverage plan. Everyone's needs are different and a cookie cutter policy won't apply. These are some specific questions could help you determine whether or not you might need an agent's assistance.
- Is pleasure use cheaper than using my Nissan Rogue to commute?
- When should I not file a claim?
- Are my tools covered if they get stolen from my vehicle?
- Am I covered if I hit a deer?
- What is the minimum liability in Georgia?
- Exactly who is provided coverage by my policy?
- Is my nanny covered when transporting my kids?
If you're not sure about those questions, you might consider talking to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of insurance companies in your area. It only takes a few minutes and you can get the answers you need.
When should I get advice from an insurance agent?
Some consumers would prefer to buy from a licensed agent and that is a personal choice. Experienced insurance agents can help you build your policy and help submit paperwork. A good thing about comparing rate quotes online is that you can find cheap car insurance rates and also buy local.
For easy comparison, once you complete this short form, your insurance coverage information is submitted to local insurance agents in Atlanta who will return price quotes for your coverage. It's much easier because you don't need to find an agent on your own as quotes are delivered to you instantly. If for some reason you want to get a comparison quote from one company in particular, you just need to find their quoting web page to submit a rate quote request.
Finding the right insurance company requires you to look at more than just the quoted price. Here are some questions you might want to ask.
- If your car is totalled, how to they determine the replacement cost?
- Do they prorate repair cost based on vehicle mileage?
- What are their preferred companies if they are an independent agency?
- Does the agency support the community they serve?
- How much can you save by raising your physical damage deductibles?
- Does the agent help file claims?
- Are they full-time agents?
- Which company do they place the most coverage with?
Multiple types of car insurance agents in Atlanta
If you want to use a local Atlanta insurance agency, there are two different agency structures and how they can quote your rates. Agents in Atlanta are either exclusive or independent agents depending on their company appointments. Either type can do a good job, but it's important to know the difference in how they write coverage since it can impact buying decisions.
Exclusive Insurance Agencies
Agents of this type normally can only provide a single company's rates like Farmers Insurance, State Farm, Allstate, and AAA. They generally cannot compare other company's rates so it's a take it or leave it situation. They are highly trained on what they offer which helps them sell on service rather than price. Some people will only purchase coverage from exclusives primarily because of loyalty to the company and the convenience of having a single billing for all their coverages.
The following are Atlanta exclusive insurance agents that can give you price quote information.
- Phyllis Mitchell - State Farm Insurance Agent
1442 Dresden Dr NE #253 - Atlanta, GA 30319 - (404) 812-9951 - View Map
- Farmers Insurance - Anissa Few Davenport
2030 Bolton Rd NW #200 - Atlanta, GA 30318 - (678) 705-5898 - View Map
- Randy Beavers - State Farm Insurance Agent
135 Mount Vernon Hwy - Atlanta, GA 30328 - (770) 396-3810 - View Map
Independent Agents (or Brokers)
Independent agencies are not employed by any specific company so they can quote policies with a variety of different insurance companies and find the cheapest car insurance rates. If they find a lower price, they simply move your policy to a different company which requires no work on your part.
When comparing rates, it's recommended you get rate quotes from at least one independent agent to get the most accurate price comparison. A lot of them also have access to smaller companies which may have better rates.
The following is a short list of independent insurance agents in Atlanta that can give you comparison quotes.
- Mack Insurance Agency, Inc.
530 Joseph E Lowery Blvd SW A - Atlanta, GA 30310 - (470) 771-3398 - View Map
- Five Star Insurance Agency
191 Peachtree St NE Suite 3300 - Atlanta, GA 30303 - (678) 526-7979 - View Map
- PointeNorth Insurance Group
1100 Cir 75 Pkwy SE #140 - Atlanta, GA 30339 - (800) 634-2903 - View Map
If you feel you receive positive responses to all your questions as well as cheaper Rogue insurance quotes, it's a good possibility that you have found an insurance agent that can service your policy. Just understand that you are able to terminate your policy at any time so never feel that you are obligated to any specific agency with no way out.
Auto insurance companies are expert advertisers
Consumers in Georgia can't get away from ads for cheaper auto insurance from the likes of Progressive, GEICO, Allstate and State Farm. They all seem to seem to make the promise that drivers can save some big amount if you move your policy.
How is it plausible that every one can cost less than your current company? This is how they do it.
Auto insurance companies give the best rates for the driver that makes them money. For instance, a preferred risk might be described as between the ages of 40 and 55, has no tickets, and drives a lower-performance vehicle. A customer who matches that profile will get low premium rates and will also save some money.
Insureds who do not meet the ideal profile will be charged a higher rate with the end result being the customer buying from someone else. If you listen to the ad wording, they say "people that switch" not "everyone who quotes" save money. This is how companies can truthfully make those claims. Because of these techniques, you absolutely need to get Atlanta auto insurance quotes as often as possible. You cannot predict which company will provide the lowest Nissan Rogue insurance in Atlanta.
You can find affordable coverage
We covered some good ideas how to find cheaper Nissan Rogue insurance in Atlanta. The most important thing to understand is the more providers you compare, the better your comparison will be. You may even find the biggest savings come from some of the smallest insurance companies. They may cover specific market segments cheaper as compared to the big name companies such as Progressive or GEICO.
Budget-friendly auto insurance in Atlanta can be bought online as well as from insurance agents, and you need to comparison shop both so you have a total pricing picture. Some insurance companies don't offer the ability to get a quote online and most of the time these small, regional companies provide coverage only through independent agents.
For more information, feel free to browse these articles:
- Safe Vehicles for Teens (iihs.org)
- Who Has Cheap Atlanta Auto Insurance Quotes for Drivers with a Bad Driving Record? (FAQ)
- Who Has Affordable Auto Insurance Quotes for Handicapped Drivers in Atlanta? (FAQ)
- How Much are Atlanta Car Insurance Rates for Low Income Drivers? (FAQ)
- State Laws for Cellphones and Texting (iihs.org)
- Alcohol Impaired Driving FAQ (iihs.org)
- Learn About Car Insurance (GEICO)