Buying cheaper car insurance for a Nissan Rogue in Kentucky can be pretty simple, but it relies on a lot of rating criteria such as driver age, whether or not you have filed claims in the past, and driving citations. Drivers in Kentucky will pay around $864 each year to insure their Rogue, but that price is a valuation calculated using a 40-year-old single male driver with both comprehensive and collision coverage and $1,000 deductibles.
Odds are that you are not 40 years old and maybe not even male, you might be married instead of single, or maybe you are just looking for cheap liability insurance. Even a slight change in rating criteria or coverage limits can result in a massive change in the policy rate.
Auto insurance is unique to each driver, so the best method for finding cheap auto insurance rates for your Nissan is to compare rates from as many companies as possible. Quotes are free and easy and you can get rates from some of the cheapest companies around.
Compare Nissan Rogue Insurance Rates
The specific trim level tends to have a direct impact on the yearly cost, so the price you pay to insure a Rogue S 2WD model will be $54 lower than the insurance cost for the more well-appointed Rogue SL AWD trim level, as shown by the rates below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Rogue S 2WD | $152 | $308 | $446 | $26 | $134 | $1,066 | $89 |
| Rogue S AWD | $152 | $308 | $446 | $26 | $134 | $1,066 | $89 |
| Rogue SL 2WD | $152 | $308 | $446 | $26 | $134 | $1,066 | $89 |
| Rogue SL AWD | $152 | $362 | $446 | $26 | $134 | $1,120 | $93 |
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Prices based on single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Kentucky minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Estimates do not factor in vehicle location which can alter prices significantly.
Shopping around for cheap auto insurance is not easy, and deciding which company has the lowest-priced car insurance rates for a Nissan Rogue involves a bit more work.
Every insurance provider uses their own formula for setting prices, so let’s begin by examining the car insurance companies that tend to have lower prices in Louisville, KY. It’s important that readers know that Louisville, KY car insurance rates are impacted by many factors that control the cost of coverage. Improving your financial situation, becoming a homeowner, or getting a ticket for careless driving may cause policy rate changes resulting in some companies being affordable when they were higher priced.
Find Cheaper Car Insurance for Your Nissan
Cincinnati Insurance offers some of the cheapest car insurance rates in Louisville at around $1,093 each year. Kentucky Farm Bureau, USAA, Auto-Owners, and Motorists Mutual also make the cut as some of the more affordable Louisville, KY car insurance companies.
As shown in the rates above, if you currently have coverage with Kentucky Farm Bureau and switched to Cincinnati Insurance, you might see savings of in the neighborhood of $46. Customers with USAA might save as much as $82 a year, and Auto-Owners insureds might cut rates by $306 a year.
To see if you’re overpaying, click here to start your custom quote or click several companies below for low rates.
Bear in mind that those premiums are averaged for all insureds and vehicles and and are not figured with an exact location for a Nissan Rogue. So the car insurance company that can offer you the best price may not even be in the list above. That helps illustrate why you need to compare rates from as many companies as possible using your own personalized driver profile and vehicle information.
The information below illustrates how your choice of deductibles can increase or decrease premium costs when searching for cheap insurance for a Nissan Rogue. The rate quotes are based on a married female driver, full physical damage coverage, and no discounts are applied.
As shown above, a 40-year-old driver could lower their policy premium by $266 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $402 by choosing a $1,000 deductible. Even younger insureds, like the 20-year-old, could reduce their rates up to $662 each year by choosing a higher deductible. When raising deductibles, it will now be necessary to have enough savings set aside to pay the extra out-of-pocket expense associated with higher deductibles.
Get discount Louisville auto insurance
Insurers that provide coverage for a Nissan Rogue may also offer policy discounts that could lower prices by 35% or more if you are eligible for them. The best car insurance companies and a selection of discounts are outlined below.
- State Farm may include discounts for safe vehicle, good driver, Drive Safe & Save, Steer Clear safe driver discount, multiple autos, and student away at school.
- Nationwide has savings for family plan, accident-free, good student, easy pay, anti-theft, business or organization, and Farm Bureau membership.
- GEICO offers discounts for seat belt use, military active duty, emergency military deployment, multi-policy, and anti-lock brakes.
- AAA has discounts for good student, education and occupation, AAA membership discount, multi-policy, and good driver.
- 21st Century discounts include good student, theft prevention, 55 and older, automatic seat belts, and early bird.
- The Hartford offers discounts including vehicle fuel type, defensive driver, bundle, air bag, good student, and anti-theft.
The diagram below illustrates the comparison of premium costs with and without discounts applied to the rates. The data is based on a female driver, no accidents or driving violations, Kentucky state minimum liability limits, comp and collision included, and $100 deductibles.
The first bar for each age group shows premium with no discounts. The second shows the rates with accident-free, multiple vehicle, claim-free, defensive driving course, safe-driver, and homeowner discounts applied. When taking advantage of discounts, theaverage amount saved on car insurance for a Nissan Rogue is 28% or $614.
Don’t make the mistake of not shopping around
Louisville car insurance rates are influenced by many factors that will increase or decrease the policy price. Simply improving your credit, getting married, or having a fender bender may prompt premium changes that can now make some companies more affordable than the competition.
Also, insurers amend premium rates without warning in order to offset underwriting gains or losses. Heavy losses can cause rate hikes, while profitable underwriting can produce cheaper Rogue insurance rates.
The data below shows which company has the cheapest car insurance in Louisville, KY for a 30-year-old female driver with no accidents, a clean driving record, and a decent credit rating. When comparing rates based on her personal profile, Cincinnati Insurance might offer the best car insurance rates in Louisville at $1,710 a year. This is $433 less than the average policy premium paid by Kentucky drivers of $2,143. Kentucky Farm Bureau, USAA, Auto-Owners, and Motorists Mutual are also included in the top five cheapest Louisville, KY auto insurance companies.
Now we will pretend the driver from the first set of rates some claims, bad credit, and a few traffic violations. Due to the fact that every auto insurer has a different formula to determining premium rates, comparing insurance quotes may now present a different set of affordable companies as shown below.
Travelers now has the lowest car insurance rate in Louisville with Kentucky Farm Bureau, USAA, State Farm, and Westfield now being in the top five. This example illustrates why it is critical to compare rates when trying to find cheap insurance rates for a Nissan Rogue.
Insurance prices can be altered by many things and can change without notice, so the lowest-price company a year ago may now be quite expensive.
How to find the cheapest auto insurance for a Nissan Rogue
The list below summarizes some thrifty ideas that can help Louisville drivers find lower-cost coverage.
- Buying home and auto insurance together can earn discounts
- Being accident-free can lower rates significantly
- Drivers with good credit often pay less
- Save money by obeying traffic laws and keeping a clean driving record
- Raise your physical damage coverage deductibles
- Claim-free drivers earn discounts
- Keep rates low by shopping around frequently
That final tip is certainly significant, as we hit on in this write-up. Coverage prices vary considerably, so you should be ready to buy from a different company if a more affordable price is available. Loyalty to a specific company is fine, but it’s not a good idea if that dedication is costing money that could be used for better things. It only take a few minutes to shop around and find cheaper auto insurance for a Nissan Rogue in Louisville.
The insurance agencies below can probably answer your questions and help you decide which insurance coverage you need, since some drivers aren’t sure which coverage they need and prefer to have professional advice when shopping for the best coverage for a Nissan Rogue. It’s not always simple to find the best policy on your own, so agents can give you satisfaction knowing your policy gives you enough coverage if you have a claim. To find an auto insurance agency using an interactive map, click the link after the list or click here to compare prices now.
Family Select Insurance
6409 Dutchmans Pkwy – Louisville, KY 40205 – (502) 454-7283
Rudy Scheynost – State Farm Insurance Agent
7619 Dixie Hwy – Louisville, KY 40258 – (502) 937-5256
Logan, Stanley – Logan Lavelle Hunt Insurance
11420 Bluegrass Pkwy – Louisville, KY 40299 – (502) 499-6880
Dave Goodman – State Farm Insurance Agent
1906 Crums Ln – Louisville, KY 40216 – (502) 448-5436
Justin Roper – State Farm Insurance Agent
8800 Dixie Hwy b – Louisville, KY 40258 – (502) 271-3211