It takes a few minutes, but the best way to save money on auto insurance rates is to compare quotes annually from companies that sell auto insurance in Stockton. Rates can be compared by following these guidelines.
Step 1: It will benefit you to learn about what is in your policy and the changes you can make to lower rates. Many things that cause high rates such as speeding tickets, accidents and a low credit rating can be improved by being financially responsible and driving safely.
Step 2: Compare rates from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only give rate quotes from a single company like Progressive or Farmers Insurance, while independent agencies can quote prices from multiple companies.
Step 3: Compare the quotes to your existing coverage to determine if you can save on Rogue insurance. If you find a lower rate quote and switch companies, make sure there is no coverage gap between policies.
A valuable tip to remember is to use the same deductibles and limits on each quote and and to get rate quotes from as many carriers as you can. Doing this provides a fair rate comparison and a good representation of prices.
It’s a fact that auto insurance companies don’t want you to look for a cheaper policy. Insureds who rate shop once a year are very likely to switch insurance companies because there are good odds of finding a lower rate. A study discovered that people who routinely shopped for cheaper coverage saved about $865 a year as compared to drivers who never shopped around.
If finding discount rates on insurance in Stockton is the reason you’re reading this, then having some insight into how to choose a company and compare cheaper coverage can make it easier for you to save money.
Analysis of coverages
The coverage table shown below showcases estimates of coverage prices for Nissan Rogue models. Being aware of how auto insurance premiums are figured can help guide drivers when making decisions on the best policy coverages.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Rogue S 2WD | $262 | $478 | $470 | $28 | $140 | $1,378 | $115 |
| Rogue S AWD | $262 | $478 | $470 | $28 | $140 | $1,378 | $115 |
| Rogue SL 2WD | $262 | $478 | $470 | $28 | $140 | $1,378 | $115 |
| Rogue SL AWD | $262 | $562 | $470 | $28 | $140 | $1,462 | $122 |
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Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Price estimates do not factor in your specific Stockton location which can revise coverage rates considerably.
Nissan Rogue insurance premiums by gender in Stockton
The information below illustrates the difference between Nissan Rogue annual premium costs for male and female drivers. The premiums are based on no claims, a clean driving record, comp and collision included, $1,000 deductibles, marital status is single, and no additional discounts are factored in.
Why Your Insurance Rates might be higher
Many things are part of the equation when you get your auto insurance bill. Some factors are common sense like an MVR report, although some other factors are less obvious such as whether you are married and annual miles driven.
Mature drivers pay less – Older insureds are shown to be more cautious, tend to file fewer claims, and receive fewer citations. Youthful drivers are known to be easily distracted when at the wheel of a vehicle and because of this, their auto insurance rates are much higher.
The following data assumes a single driver, full coverage with $1000 deductibles, and no discounts or violations.
Gaps in coverage mean higher prices – Having a lapse in insurance coverage is a sure-fire way to bump up your auto insurance costs. And not only will insurance be more expensive, not being able to provide proof of insurance may result in a license revocation or jail time.
Lower miles equals lower premium – Driving a lot of miles each year the higher your rate. Almost all companies calculate prices determined by how the vehicle is used. Autos left parked in the garage can get a lower rate than those used for commuting. Make sure your vehicle rating is rated on the correct driver usage, because improper ratings can cost you money. Having an incorrect usage rating on your Rogue may be wasting your money.
Tickets cost more than a fine – Only having one ticket could increase your next policy renewal to the point where it’s not affordable. Careful drivers pay less for auto insurance than people who have multiple driving citations. Drivers who get flagrant tickets like reckless driving or DUI might be required by their state to maintain a SR-22 with their state DMV in order to drive a vehicle legally.
The illustration below shows how violations and at-fault collisions raise Nissan Rogue car insurance costs for different age groups of insureds. The premiums assume a single male driver, full coverage, $100 deductibles, and no other discounts are factored in.
Small coverages can add up – There are quite a few additional coverages that can waste your money if you aren’t diligent. Insurance for things like coverage for rental cars, towing, and Farm Bureau memberships may be costing you every month. They may seem like a good idea at first, but if you don’t need them think about removing them and cutting costs.
Insurance loss probability for a Nissan Rogue – Auto insurance companies include the past claim trends for vehicles to help determine rates. Models that the statistics show to have increased losses will have higher rates for specific coverages.
The table below illustrates the insurance loss data used by companies for Nissan Rogue vehicles. For each policy coverage type, the claim probability for all vehicles, regardless of manufacturer or model, is represented as 100. Values below 100 represent a good loss history, while values that are above 100 point to more frequent losses or statistically larger claims.
| 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: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
California auto insurance companies ranked
Finding the right car insurance company can be rather challenging considering how many different companies insure vehicles in Stockton. The information shown below could help you select which car insurance providers you want to consider comparing rates from.
Top 10 Stockton Car Insurance Companies Overall
- USAA
- American Family
- AAA of Southern California
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
Top 10 Stockton Car Insurance Companies Ranked by Value
- USAA
- American Family
- The Hartford
- AAA of Southern California
- Titan Insurance
- The General
- AAA Insurance
- State Farm
- Mercury Insurance
- Nationwide
Be persistent to save money
Budget-friendly insurance in Stockton can be sourced on the web and from local agencies, and you should compare price quotes from both so you have a total pricing picture. Some insurance providers don’t offer online rate quotes and most of the time these small, regional companies sell through independent agents.
We just covered many ideas to reduce Nissan Rogue insurance rates online in Stockton. The key concept to understand is the more rate quotes you have, the higher the chance of saving money. Drivers may even discover the best rates are with a lesser-known regional company. These smaller insurers can often insure niche markets at a lower cost than their larger competitors like Allstate and Progressive.
Helpful learning opportunities
- Liability Insurance Coverage (Nationwide)
- How Much are Stockton Car Insurance Quotes for Seniors? (FAQ)
- What Car Insurance is Cheapest for Nurses in Stockton? (FAQ)
- Who Has the Cheapest Auto Insurance for Used Cars in Stockton? (FAQ)
- Who Has Cheap Car Insurance Rates with Multiple Speeding Tickets in Stockton? (FAQ)
- Who Has the Cheapest Car Insurance Rates for Infrequent Drivers in Stockton? (FAQ)
- Who Has the Cheapest Stockton Auto Insurance for a Nissan Rogue? (FAQ)
- What Car Insurance is Cheapest for High School Students in Stockton? (FAQ)
- Protecting Teens from Drunk Driving (Insurance Information Institute)
- What is Full Coverage? (Allstate)
- Child Safety FAQ (iihs.org)
- New Honda safety features benefit drivers of all ages (Insurance Institute for Highway Safety)