Cheapest Nissan Rogue Insurance in Oakland

Insurance quote for Nissan Rogue in OaklandHow many times have you put off comparing quotes for more affordable Nissan Rogue insurance in Oakland? Locating low-cost Oakland Nissan Rogue insurance quotes might seem problematic for people new to online price comparisons. With so many agents and insurance companies available, how are people able to effectively compare every possible option in order to find the cheapest rates?

It’s an obvious conclusion that auto insurance companies want to prevent you from shopping around. Insureds who shop around will, in all likelihood, buy a new policy because the odds are good of finding a policy with better rates. A recent survey discovered that drivers who faithfully checked for cheaper rates saved an average of $3,500 over four years compared to drivers who never compared other company’s rates.

If finding the cheapest price on insurance in Oakland is your ultimate goal, then having some knowledge of the best ways to find and compare insurance rates can save time, money, and frustration.

Finding quotes for the cheapest auto insurance in Oakland is quite easy. Essentially every driver who has to buy auto insurance most likely will be able to cut their insurance bill. Although California drivers can benefit from knowing the way insurance companies price insurance differently because it can help you find the best coverage.

When quoting car insurance, remember that having more price comparisons helps increase your odds of locating lower pricing. Some companies don’t provide Oakland Rogue insurance quotes online, so you should also compare rates on coverage from those companies, too.

The providers in the list below offer free rate quotes in California. If you want to find the best car insurance in Oakland, it’s highly recommended you visit as many as you can to get a more complete price comparison.

Facts and figures for Nissan Rogue insurance

The rate table displayed next showcases detailed analysis of rate quotes for Nissan Rogue models. Being able to understand how insurance quotes are determined can aid in making smart choices when choosing a car insurance company.

Nissan Rogue Insurance Rates in Oakland, 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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Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Prices do not factor in garaging location in Oakland which can change coverage prices noticeably.

Higher deductibles save money

One of the more difficult decisions when buying car insurance is which deductible level should you buy. The tables below sum up the cost difference between low and high comp and collision deductibles. The first set of rates uses a $100 deductible for comp and collision and the second set of prices uses a $1,000 deductible.

Nissan Rogue insurance 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 with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rogue S 2WD $210 $362 $500 $30 $150 $1,252 $104
Rogue S AWD $210 $362 $500 $30 $150 $1,252 $104
Rogue SL 2WD $210 $362 $500 $30 $150 $1,252 $104
Rogue SL AWD $210 $426 $500 $30 $150 $1,316 $110
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Estimates do not factor in Oakland location which can increase or decrease premium rates significantly.

Based on this data, using a $100 deductible costs an average of $45 more each month or $540 annually averaged for all Rogue models than selecting the higher $1,000 deductible. Since you would have to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to go at least 20 months between claim filings, you would most likely save money if you opt for a higher deductible.

The illustration below highlights how deductible selection and can change Nissan Rogue insurance costs for different age groups. The prices are based on a single female driver, comp and collision included, and no discounts are factored in.

Full coverage rates vs. liability-only in Oakland

The chart below shows the difference between Nissan Rogue premium costs with and without full coverage. The prices are based on no claims or violations, $1,000 deductibles, marital status is single, and no additional discounts are factored in.

When to drop comprehensive and collision coverage

There is no set guideline of when to phase out physical damage coverage, but there is a general school of thought. If the annual cost of your full coverage insurance is more than 10% of any settlement you would receive from your insurance company, then you may want to consider only buying liability coverage.

For example, let’s pretend your Nissan Rogue replacement value is $3,000 and you have $1,000 deductibles. If your vehicle is totaled, the most you would receive is $2,000 after the deductible is paid. If you are paying in excess of $200 a year for comprehensive and collision coverage, then it could be time to drop full coverage.

There are some cases where dropping physical damage coverage is not a good idea. If you still have a lienholder on your title, you must maintain physical damage coverage as part of the loan requirements. Also, if you can’t afford to buy a different vehicle in case of an accident, you should keep full coverage in place.

Why car insurance is not optional

Even though it’s not necessarily cheap to insure a Nissan in Oakland, maintaining insurance may not be optional for several reasons.

First, the majority of states have mandatory insurance requirements which means you are required to buy a specific level of liability insurance coverage in order to be legal. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.

Second, if you have a loan on your Rogue, more than likely the lender will require you to buy insurance to ensure the loan is repaid in case of a total loss. If the policy lapses, the bank may buy a policy for your Nissan at an extremely high rate and require you to pay for the expensive policy.

Third, insurance protects not only your car but also your financial assets. Insurance will pay for many types of medical costs for you, your passengers, and anyone else injured in an accident. Liability coverage also covers legal expenses in the event you are sued. If damage is caused by hail or an accident, comprehensive and/or collision insurance will cover the damage repairs after a deductible is paid.

The benefits of insuring your Rogue more than offset the price you pay, especially if you ever need it. According to a recent study, the average American driver overpays as much as $869 every year so you should quote your policy with other companies every year to make sure the price is not too high.

How Insurance Companies Determine Nissan Rogue Insurance Rates

Part of the insurance buying process is learning some of the elements that aid in calculating your premiums. If you know what determines base rates, this helps enable you to make changes that can help you get lower rates. Many factors are considered when you quote your car insurance policy. Most are fairly basic such as traffic violations, although some other factors are less apparent like where you live or your vehicle rating.

Cheaper prices for prior coverage – Letting your insurance expire can be a fast way to trigger a rate increase. And not only will your rates increase, not being able to provide proof of insurance might get you fines or a revoked license. Then you may be required to file a SR-22 with the California DMV.

Get married and pay lower rates – Getting married may save some money when buying insurance. Having a significant other demonstrates that you tend to be more mature than a single person and statistics prove being married results in fewer claims.

Insurance rates in urban areas – Having an address in areas with lower population can be a good thing when shopping for auto insurance. Fewer drivers translates into fewer accident claims. People in densely populated areas regularly have more road rage incidents and longer commute times. Higher commute times statistically corresponds to a higher accident and claim rate.

Eliminate add-on coverages – There are a ton of add-on coverages that can waste your money when buying insurance. Coverage for things like roadside assistance, high-cost glass coverage, and membership fees may be wasting your money. They may seem good when discussing your needs, but your money might be better spent on other coverage so consider taking them off your policy.

Gender and car insurance rates – Statistics show females are less aggressive when driving. The data does not necessarily mean that females are better at driving than males. Both sexes get in at-fault accidents at a similar rate, but the men get into accidents with more damage. Men also tend to receive more major tickets like driving under the influence (DUI).

The information below shows the comparison of Nissan Rogue insurance premiums for male and female drivers. The rate quotes are based on no claims or driving violations, full physical damage coverage, $250 deductibles, drivers are single, and no other discounts are factored in.

Insurance loss data for Nissan Rogue vehicles – Insurers take into consideration historical loss data for every vehicle to help set a rate to offset losses. Models that have higher claim frequency or loss amount will have a higher cost to insure. The table below illustrates the historical loss data for Nissan Rogue vehicles.

For each insurance policy coverage type, the claim probability for all vehicles, without regard to make or model, is a value of 100. Numbers that are below 100 suggest losses that are better than average, while values that are above 100 indicate a higher chance of having a claim or statistically larger losses.

Nissan Rogue Insurance Loss Statistics
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

Statistics from for 2013-2015 Model Years

It’s not one size fits all

Always keep in mind that when comparing your policy for your personal vehicles, there really is not a “perfect” insurance plan. Everyone’s situation is a little different and your policy should reflect that.Insurance savings
Here are some questions about coverages that can help discover whether or not you will benefit from professional help.

If you’re not sure about those questions but you know they apply to you then you might want to talk to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Best car insurance in Oakland

Selecting a good quality auto insurance company can be rather challenging considering how many companies sell insurance in California. The company rank data below could help you select which insurers you want to consider comparing prices from.

Top 10 Oakland Car Insurance Companies Ranked by Claims Service

  1. AAA of Southern California
  2. State Farm
  3. Esurance
  4. AAA Insurance
  5. Progressive
  6. Liberty Mutual
  7. GEICO
  8. Allstate
  9. Titan Insurance
  10. The Hartford

Top 10 Oakland Car Insurance Companies Ranked by Value

  1. USAA
  2. American Family
  3. The Hartford
  4. AAA of Southern California
  5. Titan Insurance
  6. The General
  7. AAA Insurance
  8. State Farm
  9. Mercury Insurance
  10. Nationwide

Shop smart and save

While you’re price shopping online, it’s not a good idea to buy lower coverage limits just to save a few bucks. There have been many situations where an insured dropped uninsured motorist or liability limits to discover at claim time that it was a big error on their part. The ultimate goal is to purchase plenty of coverage at the lowest possible cost, but do not skimp to save money.

Budget-conscious Nissan Rogue insurance can be found online and also from your neighborhood Oakland agents, so get free Oakland car insurance quotes from both of them to get a complete price analysis. Some companies don’t offer online rate quotes and many times these regional carriers only sell through independent agencies.

How to find lower priced Nissan Rogue insurance in Oakland

The easiest way to find affordable Nissan Rogue insurance is to compare prices annually from insurance carriers who can sell car insurance in Oakland. Price quotes can be compared by following these guidelines.

First, learn about how auto insurance works and the things you can change to prevent expensive coverage. Many things that increase rates such as inattentive driving and a bad credit rating can be controlled by being financially responsible and driving safely.

Second, request price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can give quotes from one company like Progressive or Farmers Insurance, while independent agencies can quote prices from many different companies.

Third, compare the new rate quotes to your current policy and see if there is a cheaper rate. If you find a lower rate, make sure there is no lapse between the expiration of your current policy and the new one.

Fourth, tell your current agent or company to cancel the current policy. Submit the application along with any required down payment for the new coverage. When you receive it, put the new certificate verifying proof of insurance along with the vehicle’s registration papers.

One thing to point out is that you’ll want to make sure you compare identical deductibles and limits on each quote request and and to get quotes from as many different insurance providers as possible. This guarantees the most accurate price comparison and a thorough selection of prices.

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