How to Save on Nissan Rogue Insurance in Los Angeles

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Nobody I know likes paying for insurance, especially when they could get a better deal.

Discount Nissan Rogue insuranceIt's safe to assume that car insurance companies don't want their policyholders to compare prices. Consumers who get comparison quotes once a year are inclined to switch to a new company because they stand a good chance of finding a policy with more affordable rates. A recent survey revealed that consumers who shopped around saved approximately $70 a month compared to people who never shopped for cheaper rates.

If finding the cheapest rates on Nissan Rogue insurance in Los Angeles is your objective, then knowing the best way to shop and compare insurance rates can save time, money, and frustration.

Big-name insurance companies like Allstate and Progressive constantly blast consumers with catchy ads and it is challenging if not impossible to ignore the flashy ads and do the work needed to find the best deal.

Best Nissan Rogue insurance rates in California

The companies in the list below offer quotes in Los Angeles, CA. If more than one company is shown, we recommend you visit several of them to get the best price comparison.

Rate information and statistics

The information displayed below highlights a range of insurance costs for Nissan Rogue models. Having a better idea how prices are calculated helps drivers make decisions when shopping around.

Nissan Rogue Insurance Rates in Los Angeles, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rogue S 2WD $278 $464 $500 $30 $150 $1,422 $119
Rogue S AWD $278 $464 $500 $30 $150 $1,422 $119
Rogue SL 2WD $278 $464 $500 $30 $150 $1,422 $119
Rogue SL AWD $278 $546 $500 $30 $150 $1,504 $125
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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Premium amounts do not factor in zip code location which can revise coverage prices substantially.

Physical damage deductible comparison

When comparing car insurance rates, the most common question is how high should the deductibles for physical damage be. The data tables below illustrate the differences in price when you select higher and lower insurance deductibles. The first price estimate table uses a $100 physical damage coverage deductible and the second set of prices uses a $500 deductible.

Nissan Rogue insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rogue S 2WD $380 $686 $500 $30 $150 $1,771 $148
Rogue S AWD $380 $686 $500 $30 $150 $1,771 $148
Rogue SL 2WD $380 $686 $500 $30 $150 $1,771 $148
Rogue SL AWD $380 $810 $500 $30 $150 $1,895 $158
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Nissan Rogue insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rogue S 2WD $278 $464 $500 $30 $150 $1,422 $119
Rogue S AWD $278 $464 $500 $30 $150 $1,422 $119
Rogue SL 2WD $278 $464 $500 $30 $150 $1,422 $119
Rogue SL AWD $278 $546 $500 $30 $150 $1,504 $125
Get Your Own Customized Quote Go

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Prices do not factor in vehicle location which can decrease or increase coverage prices greatly.

We can derive from the above data that using a $100 deductible costs approximately $30 more each month or $360 a year than quoting the higher $500 deductible. Because you would be required to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you tend to have at least 13 months between claim filings, you would more than likely save some money by going with a higher deductible.

How to decide to raise your deductibles

Average monthly premium for $100 deductibles: $151
Average monthly premium for $500 deductibles (subtract): - $121
Monthly savings from raising deductible: $30
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $30
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 13 months

One important note is that increasing deductibles to lower your rates means you will have to pay more when you have a comprehensive or collision claim. You need to make sure you have some available funds in the event you need to pay the higher deductible.

The information below demonstrates how deductibles and can influence Nissan Rogue premium costs for different age groups of insureds. The premium estimates are based on a married male driver, comprehensive and collision coverage, and no other discounts are factored in.

Cheap Los Angeles car insurance rates with discounts

Car insurance can be pricey, but there are discounts available that you may not even be aware of. Most are applied when you quote, but a few need to be manually applied before you will receive the discount.

  • Federal Government Employee - Federal government employees could qualify for a slight premium decrease but check with your company.
  • Drivers Education - Teen drivers should enroll and complete driver's education if offered at their school.
  • Anti-theft Discount - Cars, trucks, and SUVs with anti-theft systems are less likely to be stolen and will qualify for a discount on a Los Angeles auto insurance quote.
  • Good Student Discount - A discount for being a good student can be rewarded with saving of up to 25%. Many companies even apply the discount to college students well after school through age 25.
  • Multiple Cars - Purchasing coverage when you have multiple cars with the same car insurance company may reduce the rate for each vehicle.
  • Low Mileage Discounts - Driving less could be rewarded with slightly better prices than normal.
  • Active Military Service - Being on active deployment in the military could trigger a small discount.
  • Auto/Home Discount - If you combine your auto and home policies and insure them with the same company you could save at least 10 to 15 percent or more.
  • Life Insurance - Select companies reward you with better prices if you take out life insurance from them.
  • Data Collection Discounts - Los Angeles drivers who agree to allow driving data collection to scrutinize vehicle usage by using a small device installed in their vehicle such as Progressive's Snapshot may get a rate reduction as long as the data is positive.

One thing to note about discounts is that most of the big mark downs will not be given to the entire cost. Most cut specific coverage prices like medical payments or collision. Even though it appears you could get a free car insurance policy, companies wouldn't make money that way.

The illustration below shows the difference between Nissan Rogue insurance premiums with and without discounts applied to the premium. The data is based on a female driver, no driving violations, no at-fault accidents, California state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, homeowner, marriage, safe-driver, multi-policy, and claim-free discounts applied.

Larger car insurance companies and their offered discounts can be read below.

  • Farmers Insurance offers discounts including mature driver, good student, early shopping, business and professional, multi-car, and electronic funds transfer.
  • Esurance may offer discounts for multi-policy, defensive driver, paid-in-full, renters, homeowner, claim free, and Switch & Save.
  • State Farm may include discounts for student away at school, Steer Clear safe driver discount, good student, Drive Safe & Save, and defensive driving training.
  • GEICO policyholders can earn discounts including seat belt use, anti-lock brakes, military active duty, multi-policy, and emergency military deployment.
  • Allstate includes discounts for good payer, safe driver, eSmart discount, farm vehicle, and multi-policy.

Before purchasing a policy, check with every insurance company which credits you are entitled to. A few discounts may not apply to policyholders in your state. For a list of providers that provide some of the discounts listed above in Los Angeles, click this link.

Auto insurance is unique, just like you

When selecting your policy for your personal vehicles, there is no cookie cutter policy. Every situation is different so this has to be addressed. For example, these questions can aid in determining whether you would benefit from professional advice.

  • Is my nanny covered when driving my vehicle?
  • What is an adequate liability insurance limit?
  • Am I covered when driving on a suspended license?
  • Am I covered when driving a rental car?
  • Should I have combined single limit or split liability limits?
  • Does insurance cover damages from a DUI accident?
  • Is rental equipment covered for theft or damage?

If you're not sure about those questions but you know they apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Get rate quotes but buy from a local Los Angeles insurance agent

A small number of people would prefer to buy from a local agent and that is a personal choice. A good thing about price shopping on the web is you can get the lowest rates and still choose a local agent.

Insurance agents in Los AngelesFor easy comparison, once you complete this simple form, the quote information is instantly submitted to local insurance agents that can provide free Los Angeles auto insurance quotes for your business. It makes it easy because there is no need to visit any agencies because prices are sent to you. You can find better rates AND a local agent. If you want to get a price quote from a particular provider, feel free to navigate to their website and complete a quote there.

Selecting an insurance company requires more thought than just a cheap price. The questions below may impact your decision as well.

  • Does the agency have a good rating with the Better Business Bureau?
  • Do the coverages you're quoting properly cover your vehicle?
  • Are they involved in claim handling?
  • Do the agents have professional certifications like CPCU or CIC?
  • Which insurance companies are they affiliated with?
  • Do they offer rental car reimbursement?

If you want to use a reputable insurance agent or broker, you must know there are a couple different agency structures and how they are distinctly different. Insurance agencies in Los Angeles can either be independent agents or exclusive agents.

Exclusive Agents

These agents can only provide one company's prices like State Farm, AAA, Farmers Insurance or Allstate. These agents are not able to place coverage with different providers so they really need to provide good service. They are usually well trained in insurance sales which can be an advantage.

Shown below is a list of exclusive insurance agencies in Los Angeles who may provide you with price quote information.

611 Wilshire Blvd #911 - Los Angeles, CA 90017 - (213) 239-9675 - View Map

7154 Melrose Ave - Los Angeles, CA 90046 - (323) 931-1466 - View Map

3580 Wilshire Blvd #130 - Los Angeles, CA 90010 - (213) 365-2071 - View Map

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Independent Insurance Agents

These agents can sell policies from many different companies and that allows them to write policies with many different companies and find the cheapest insurance rates. To transfer your coverage to a different company, the business is moved internally and you don't have to switch agencies.

If you are comparing rate quotes, you absolutely need to include price quotes from a couple of independent agencies to have the most options to choose from.

Shown below is a short list of independent insurance agents in Los Angeles that can give you price quote information.

5331 N Figueroa St - Los Angeles, CA 90042 - (323) 550-1444 - View Map

1601 S La Brea Ave - Los Angeles, CA 90019 - (323) 933-9888 - View Map

4221 Wilshire Blvd #222 - Los Angeles, CA 90010 - (323) 934-8160 - View Map

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One last thing to lower rates

Cheap Nissan Rogue insurance in Los Angeles is possible both online and also from your neighborhood Los Angeles agents, so you should compare both in order to have the best chance of saving money. Some insurance companies may not offer rate quotes online and these smaller providers only sell coverage through local independent agencies.

As you quote Los Angeles auto insurance, it's very important that you do not buy lower coverage limits just to save a few bucks. Too many times, someone sacrificed uninsured motorist or liability limits and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your goal should be to purchase a proper amount of coverage at the lowest possible cost while not skimping on critical coverages.

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