Buying competitive car insurance for a Nissan Rogue in California is pretty easy for most people to do, but it relies on many different factors such as the safety rating of your vehicle, the performance level of your vehicle, and your choice of deductibles. California drivers will pay around $1,392 each year to insure their Rogue, but that cost is a projection based on a 40-year-old married female driver with full coverage and $100 deductibles.
But there is a high probability that you are not 40 and maybe not even a female, maybe you are single instead of married, or maybe you rent instead of own your home. Have just a small change in rating criteria or coverage limits can result in a massive change in rates.
Not everyone needs the same coverages, so the only way to find cheap insurance prices for your Nissan is to compare rates from as many companies as possible.
The trim level of your Nissan tends to have a direct impact on the cost of insurance, so the price to insure a Rogue S 2WD will cost $120 less than the insurance cost for the higher-end Rogue SL AWD version, as shown by the rates below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Rogue S 2WD||$326||$672||$524||$32||$156||$1,710||$143|
|Rogue S AWD||$326||$672||$524||$32||$156||$1,710||$143|
|Rogue SL 2WD||$326||$672||$524||$32||$156||$1,710||$143|
|Rogue SL AWD||$326||$792||$524||$32||$156||$1,830||$153|
|Get Your Own Custom Quote Go|
Price data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Rate information does not factor in the specific area where the vehicle is garaged which can decrease or increase insurance rates significantly.
California insurance companies
Finding a good quality auto insurance provider is hard considering how many companies there are to choose from in California. The company information listed below can help you analyze which coverage providers to look at shopping prices with. The ratings below are only made up of companies that write coverage in many states, so companies that have a smaller presence will not be included in this list.
Top 10 Major Auto Insurance Providers in Long Beach Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA of Southern California – 92%
- AAA Insurance – 91%
- Nationwide – 90%
- State Farm – 90%
- The Hartford – 89%
- GEICO – 89%
- The General – 88%
- 21st Century – 88%
Top 10 Major Auto Insurance Providers in Long Beach Ranked by Customer Service
- AAA of Southern California
- State Farm
- The Hartford
- Mercury Insurance
- The General
- AAA Insurance
- American Family
Impact of careless driving on insurance rates
The common sense way to snag affordable insurance prices for a Rogue is to be a cautious driver and avoid accidents and traffic citations. The illustration below illustrates how violations and at-fault collisions can affect auto insurance rates for each age group. The premium estimates are based on a single male driver, comp and collision included, $500 deductibles, and no additional discounts are factored in.
The data in the chart shows the average cost of a car insurance policy in Long Beach per year with no accidents and a clean driving record is $2,772. Add in two speeding tickets and the average cost increases to $3,666, an increase of $894 each year. Now throw in one accident along with the two speeding tickets and the annual cost of insurance for a Nissan Rogue increases to an average of $4,582. That’s an increase of $1,810, or $151 per month, just for not driving carefully!
Discounts on Long Beach auto insurance rates
Auto insurance companies that provide coverage for a Nissan Rogue may provide policy discounts that could lower prices by as much as 25% or more if you meet eligibility requirements. Larger insurance companies and some of their more popular discounts are detailed below.
- GEICO may include discounts for daytime running lights, air bags, federal employee, multi-vehicle, and five-year accident-free.
- USAA has discounts for military installation, multi-vehicle, multi-policy, good student, and new vehicle.
- Progressive may have discounts that include continuous coverage, online quote discount, online signing, homeowner, multi-policy, and good student.
- American Family offers discounts including defensive driver, bundled insurance, air bags, accident-free, and multi-vehicle.
- Esurance discounts include multi-policy, defensive driver, emergency road assistance, paid-in-full, and online shopper.
- Farmers Insurance offers discounts for teen driver, early shopping, homeowner, good student, and business and professional.
- State Farm may offer discounts for multiple autos, passive restraint, anti-theft, student away at school, Steer Clear safe driver discount, and good driver.
The illustration below shows the difference between insurance prices with and without discounts applied to the premium. The rates are based on a male driver, no accidents, no driving violations, California state minimum liability limits, full coverage, and $250 deductibles.
The first bar for each age group shows the price with no discounts. The second bar shows the rates with passive restraint, claim-free, anti-theft, multiple policy, vehicle safety, and safe-driver discounts applied. When drivers qualify for the discounts, theaverage yearly reduction on insurance for a Nissan Rogue is 28% or $809.
Here’s why you should shop around
California insurance rates are impacted by many things which can significantly increase or decrease the price you have to pay for coverage. Improving your credit rating, moving across town, or having a fender bender can trigger price changes resulting in some companies being more affordable than before.
Additionally, car insurance companies modify pricing as often as every quarter in order to offset underwriting gains or losses. Heavy losses can result in high rates, while profitable underwriting may result in cheaper Rogue insurance rates.
To illustrate this example, the data below demonstrates which company has the cheapest car insurance in Long Beach, CA for a 40-year-old male driver with no accidents or violations, and good financial standing. Based on his current risk factors, USAA may offer the lowest car insurance rates in Long Beach at $1,384 annually. This is $267 less than the average rate paid by California drivers of $1,651. Wawanesa, Century National, Nationwide, and CSAA are also included in the cheapest Long Beach, CA auto insurance companies.
Now we will pretend the driver from above a chargeable claim, a little lower credit rating, and a few traffic violations. Due to the fact that every auto insurer has a unique formula for determining rates in each state, comparing insurance quotes most likely will result in a new list of the cheapest car insurance companies in Long Beach as shown below.
Grange now has the cheapest auto insurance in Long Beach with Allstate, Mercury, Progressive, and The Hartford now rounding out the top five. This example demonstrates why it is critical to perform an extensive rate comparison when trying to get the lowest insurance quotes for a Nissan Rogue. Insurance rates are made up of many risk factors and can decrease or increase without notice, so the cheapest rate when you last compared rates may now be costing you a lot of money.
How to find more affordable insurance for a Nissan Rogue
Below you’ll find some of the recommended money-saving ideas that can help drivers buy low-cost coverage.
- Drivers with good credit often pay less
- Avoid at-fault accidents and claims
- Vehicles with good safety ratings have lower liability rates
- Buying home and auto insurance together can earn discounts
- Do not insure for full coverage
- Compare prices as often as possible
The last idea is incredibly critical, as we pointed out in this article. Car insurance rates vary considerably, so you should be ready to buy from a new company if a better rate can be found.
Brand loyalty is not necessarily bad, but it’s not a great idea if that loyalty ends up costing thousands of dollars over the life of your policy. Spend a few minutes and compare rates and find cheaper insurance for a Nissan Rogue in Long Beach.
The agents listed below can help you determine which insurance coverage you need, since some drivers aren’t sure which coverage they need and prefer to have some professional guidance when shopping around for cheaper insurance for a Nissan Rogue. It can be hard to find the best rates on your own, so getting professional guidance from a licensed agent can add comfort knowing your policy gives you suitable coverage if you ever need to use it.
To find a Long Beach insurance agency by location nearest to you, click the link after the list or click here to compare prices now.
- Allstate Insurance: Brenda Soto Bryan
4202 Atlantic Ave Ste 201 – Long Beach, CA 90807 – (562) 426-1752
- Ed Ratleff – State Farm Insurance Agent
1190 N Studebaker Rd f – Long Beach, CA 90815 – (562) 799-0291
- Ron Whitson – State Farm Insurance Agent
249 E Ocean Blvd Ste 100 – Long Beach, CA 90802 – (562) 435-5700
- Adriana’s Insurance Services Inc
1075 E Pacific Coast Hwy – Long Beach, CA 90806 – (562) 344-9222