Car Insurance Rates for a Nissan Rogue in Long Beach

How long has it been since you compared the cheapest Nissan Rogue insurance in Long Beach? Are you a victim of an under-performing, overpriced auto insurance policy? You’re preaching to the choir because many Long Beach drivers feel the same as you.

Insurance rates Nissan Rogue in Long BeachIt’s safe to assume that insurance companies don’t want policyholders to shop around. Consumers who do rate comparisons are very likely to move their business because there is a high probability of finding coverage at a more affordable price. A recent auto insurance study revealed that drivers who shopped around annually saved over $70 a month compared to drivers who didn’t regularly shop around.

If finding low prices for Nissan Rogue insurance in Long Beach is your target objective, then having some knowledge of how to find companies and compare car insurance can help you be more efficient.

How to find cheaper quotes for Nissan Rogue insurance in Long Beach

The easiest way to quote cheaper Nissan Rogue insurance is to do an annual price comparison from insurance carriers who provide car insurance in Long Beach. This can be done by following these steps.

  1. Get a basic knowledge of policy coverages and the things you can control to keep rates in check. Many things that cause rate increases like speeding and an unacceptable credit rating can be rectified by improving your driving habits or financial responsibility.
  2. Compare price quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can provide rates from one company like Progressive or Farmers Insurance, while agents who are independent can quote prices from multiple companies.
  3. Compare the new rate quotes to your existing rates to see if you can save by switching companies. If you find a lower rate quote, make sure there is no lapse between the expiration of your current policy and the new one.
  4. Notify your agent or company to cancel your current auto insurance policy and submit any necessary down payment along with the completed application to the new company. As soon as you have the new policy, keep your new proof of insurance paperwork in an easily accessible location.

One key aspect of rate comparisons is to use the same amount of coverage on every price quote and and to get price estimates from every insurance company. This provides the most accurate price comparison and a thorough price selection.

Insurance companies such as Allstate, Progressive and GEICO all claim big savings with ads and it is difficult to ignore the flying pigs and cute green geckos and take the time to shop coverage around.

You should take the time to compare prices before your policy renews because prices are adjusted regularly by insurance companies. Just because you had the best price on Nissan Rogue insurance in Long Beach at your last renewal other companies may now be cheaper. There is a lot of wrong information about Rogue insurance out there, but in just a couple of minutes you can learn a bunch of ideas how to slash your auto insurance rates in Long Beach.

The companies shown below are our best choices to provide free quotes in Long Beach, CA. To get cheap car insurance in Long Beach, we suggest you get prices from several of them in order to get a fair rate comparison.

Three reasons to not skimp on auto insurance

Despite the fact that auto insurance is not cheap in Long Beach, insurance serves an important purpose.

The benefits of having auto insurance more than offset the price you pay, particularly if you ever have a claim. The average driver in America is overpaying over $865 each year so you should quote and compare rates at every policy renewal to ensure rates are inline.

Data for Nissan Rogue insurance

The rate information shown below showcases detailed analysis of coverage costs for Nissan Rogue models. Learning more about how rate quotes are established helps drivers make informed decisions.

Nissan Rogue Insurance Rates in Long Beach, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rogue S 2WD $182 $354 $524 $32 $156 $1,248 $104
Rogue S AWD $182 $354 $524 $32 $156 $1,248 $104
Rogue SL 2WD $182 $354 $524 $32 $156 $1,248 $104
Rogue SL AWD $182 $418 $524 $32 $156 $1,312 $109
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Table data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Rate information does not factor in specific location information which can increase or decrease prices substantially.

Nissan Rogue insurance premiums by gender

The diagram below compares Nissan Rogue car insurance rates for male and female drivers. The premiums assume no driving violations, no at-fault accidents, full physical damage coverage, $250 deductibles, drivers are not married, and no discounts are applied to the premium.

Should you buy full coverage?

The information below compares Nissan Rogue car insurance costs with and without physical damage coverage. The price estimates are based on no accidents or driving violations, $100 deductibles, single marital status, and no policy discounts are applied.

When to stop buying physical damage coverage

There is no definitive guideline for phasing out physical damage coverage on your policy, but there is a guideline you can use. If the annual cost of having full coverage 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 cost is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $7,000 after the policy deductible has been paid. If you are paying more than $700 annually to have full coverage, then you might want to think about dropping full coverage.

There are some scenarios where buying only liability insurance is not financially feasible. 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 if your current one is in an accident, you should not remove full coverage.

Get cheaper Nissan Rogue insurance in Long Beach with discounts

The price of auto insurance can be rather high, but you might find some hidden discounts that you may not know about. Some discounts will apply when you get a quote, but a few must be asked for in order for you to get them. If you do not check that you are getting every discount you deserve, you could be saving more on your auto insurance.Discount auto insurance

While discounts sound great, it’s important to understand that most discounts do not apply to the entire cost. A few only apply to individual premiums such as physical damage coverage or medical payments. So despite the fact that it appears adding up those discounts means a free policy, companies wouldn’t make money that way.

The diagram below compares Nissan Rogue insurance costs with and without policy discounts. The rate quotes are based on a female driver, no accidents or driving violations, California state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-policy, homeowner, multi-car, claim-free, and marriage discounts applied.

A few companies that have these money-saving discounts may include but are not limited to:

When comparing rates, check with every insurance company how many discounts you can get. Discounts might not be offered on policies in your state. To find auto insurance companies who offer online Nissan Rogue insurance quotes in California, click here to view.

Auto insurance companies ranked

Finding a highly-rated insurance provider can be challenging considering how many companies provide coverage in Long Beach. The rank data shown next could help you decide which car insurance providers you want to consider putting your business with.

Top Auto Insurance Companies in Long Beach
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
AAA of Southern California 91 94 97 92% A+ 94.1
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
Farmers Insurance 78 87 88 79% A 84.3
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Data Source: Best Car Insurance Companies