Cheap Quotes for Nissan Rogue Insurance in Tulsa

Locating low-cost insurance for a new or used Nissan Rogue in Oklahoma could be a painful process, but you can learn a few tricks to find lower rates.

There are both good and bad ways to find auto insurance online so you’re going to learn the quickest way to compare rates for a new or used Nissan and locate the lowest possible price either online or from Tulsa insurance agents.

It’s important to get comparison quotes yearly due to the fact that insurance prices are constantly changing. Despite the fact that you may have had the lowest quotes on Nissan Rogue insurance in Tulsa two years ago there may be better deals available now. Forget all the misinformation about auto insurance because it’s time to teach you how to quote online to save money, get proper coverage and the best rates.

How to find the cheapest Nissan Rogue insurance in Tulsa, Oklahoma

Reducing your Nissan Rogue insurance rates is a fairly straight forward process. All that’s required is to invest a little time comparing rate quotes to see which company has cheaper Tulsa auto insurance quotes.

The companies shown below can provide free quotes in Oklahoma. In order to find the cheapest auto insurance in Oklahoma, we suggest you get rates from several of them in order to get a fair rate comparison.

Cheap Nissan Rogue insurance quotes in Tulsa

Some providers don’t always publicize every policy discount in a way that’s easy to find, so the below list has both well-publicized and also the lesser-known savings tricks you should be using when you buy Tulsa auto insurance online.

• Online Discount – A handful of larger companies may give you up to $50 for buying a policy and signing up on the internet.
• Military Deployment Discount – Having an actively deployed family member may lower your rates slightly.
• Resident Student – Children who are enrolled in higher education away from home without a vehicle on campus can be insured at a reduced rate.
• Federal Government Employee – Having worked for a branch of the government could qualify for a slight premium decrease with certain companies.
• Renewal Discounts – A few car insurance companies offer discounts for buying a policy before your current Rogue insurance policy expires. You could save around 10% when you buy Tulsa auto insurance online.
• Drivers Education – Require your teen driver to successfully take a driver’s education course in school.
• Use Seat Belts – Using a seat belt and requiring all passengers to buckle their seat belts can save 10% or more off PIP or medical payments premium.
• Life Insurance – Select insurance companies reward you with a discount if you purchase some life insurance too.

A little note about advertised discounts, some of the credits will not apply to your bottom line cost. Most only cut individual premiums such as comp or med pay. Despite the fact that it seems like adding up those discounts means a free policy, you aren’t that lucky.

The diagram below illustrates the difference between Nissan Rogue car insurance rates with and without policy discounts. The rates are based on a female driver, no violations or accidents, Oklahoma state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, multi-car, marriage, homeowner, and multi-policy discounts applied.

Large car insurance companies and a summarized list of policyholder discounts can be read below.

• State Farm offers premium reductions for accident-free, anti-theft, Drive Safe & Save, passive restraint, and student away at school.
• American Family policyholders can earn discounts including early bird, bundled insurance, mySafetyValet, good student, multi-vehicle, TimeAway discount, and accident-free.
• AAA offers discounts for good student, education and occupation, anti-theft, multi-policy, good driver, and AAA membership discount.
• GEICO may have discounts that include federal employee, five-year accident-free, multi-policy, multi-vehicle, anti-theft, defensive driver, and membership and employees.
• Mercury Insurance includes discounts for multi-policy, anti-theft, multi-car, accident-free, low natural disaster claims, type of vehicle, and location of vehicle.
• Farmers Insurance has discounts for bundle discounts, alternative fuel, good student, early shopping, business and professional, and distant student.
• Progressive offers discounts including continuous coverage, homeowner, good student, online quote discount, and multi-vehicle.

When quoting, ask every prospective company how you can save money. Savings might not be offered in your area. To see a list of insurance companies who offer car insurance discounts in Tulsa, click this link.

Insurance coverage analysis

The table displayed next outlines detailed analysis of insurance policy prices for Nissan Rogue models. Learning a little about how insurance premiums are established can help guide drivers when making decisions on which insurance to purchase.

Price data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Oklahoma minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Rate information does not factor in your specific Tulsa location which can modify prices substantially.

Raise deductibles and save

One common question asked by Tulsa drivers is the level to set your comp and collision deductibles. The premium rates below approximate how much more rates are when you buy lower versus higher policy deductibles. The first rate table uses a $250 deductible for comp and collision and the second data table uses a $500 deductible.

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Oklahoma minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Premium amounts do not factor in zip code location which can change premiums noticeably.

Based on these figures, using a $250 deductible could cost the average driver approximately $17 more each month or $204 for a full year averaged for all Rogue models than requesting the higher $500 deductible. Since you would have to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you go more than 15 months between claim filings, you would come out ahead by going with a higher deductible.

The example below demonstrates how choosing different deductibles and can affect Nissan Rogue insurance premiums for different age groups of insureds. The information is based on a married male driver, full coverage, and no discounts are applied.

Annual premiums for males compared to females

The diagram below illustrates the difference between Nissan Rogue insurance rates for male and female drivers. The data assumes no accidents, no driving violations, full physical damage coverage, $1,000 deductibles, single status, and no other discounts are factored in.

Full coverage rates vs. liability-only

The chart below illustrates the comparison of Nissan Rogue insurance premiums with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The data assumes no claims or driving citations, $500 deductibles, marital status is single, and no other discounts are factored in.

When to stop buying full coverage

There is no clear-cut rule that is best for determining when to drop full coverage on your policy, but there is a broad guideline. If the annual cost of having full coverage is more than about 10% of any settlement you would receive from your insurance company, then it might be time to consider dropping full coverage.

For example, let’s assume your Nissan Rogue settlement value is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most you would receive is $2,000 after you pay the deductible. If premium cost is more than $200 a year for comprehensive and collision coverage, then it could be time to drop full coverage.

There are some circumstances where only buying liability is not financially feasible. If you still have a loan on your vehicle, you have to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should not remove full coverage.

How Insurers Calculate Nissan Rogue Insurance Prices

A large part of saving on auto insurance is knowing some of the elements that play a part in calculating your policy premiums. If you understand what controls the rates you pay, this empowers consumers to make smart changes that can earn you big savings. Many factors are part of the equation when quoting car insurance. Some are pretty understandable such as your driving record, although some other factors are less obvious like your vehicle usage and annual miles driven.

The following are some of the most rate-impacting factors utilized by car insurance companies to help set your rates.

Pay more if you have a long commute – Having an address in less populated areas can be a good thing when trying to find low car insurance rates. People in densely populated areas have more road rage incidents and much longer commute distances. Fewer drivers and short commutes means fewer accidents.

Marriage is a factor – Getting married can actually save you money compared to being single. Having a spouse generally demonstrates drivers are more stable financially and statistics prove drivers who are married file infrequent claims.

You might want pay the minor policy claims yourself – If you are a frequent claim filer, you should expect higher rates. Companies in Oklahoma award the best rates to drivers who do not file claims often. Your insurance policy is meant to be used in the event of larger claims.

Little extras can really add up – Insurance policies have a lot of add-on coverages that you can buy on your Rogue policy. Coverages for rental car reimbursement, death and dismemberment, and Farm Bureau memberships are probably not needed. These may sound like a good investment when discussing your needs, but if you’ve never needed them in the past remove them and pocket the money.

Insurance losses for a Nissan Rogue – Insurers take into consideration insurance loss statistics for every vehicle to help calculate a profitable premium price. Models that the data determines to have a trend towards higher claim severity or frequency will cost more for specific coverages. The table below illustrates the insurance loss data used by companies for Nissan Rogue vehicles.

For each coverage category, the claim probability for all vehicles averaged together is considered to be 100. Numbers that are below 100 mean the vehicle has better than average losses, while percentages above 100 indicate frequent claims or an increased likelihood of larger losses.

Get rate quotes but buy from a neighborhood Tulsa auto insurance agent

Many drivers would rather talk to an insurance agent and we recommend doing that Experienced insurance agents can help you choose the best coverages and help in the event of a claim. The best thing about comparing rates online is you may find cheap rate quotes but also keep your business local. Buying insurance from neighborhood insurance agencies is important particularly in Tulsa.

To make it easy to find an agent, after completing this simple form, the quote information is emailed to local insurance agents who will gladly provide quotes for your insurance coverage. You don’t have to search for any insurance agencies due to the fact that quote results will go to you instantly. If you need to get a price quote from one company in particular, you can always find their quoting web page and fill out the quote form the provide.

If you’re trying to find a reliable insurance agency, it can be helpful to understand the different types of agencies and how they are distinctly different. Auto insurance agents can be classified as either exclusive or independent agents depending on their company appointments. Either one can do a good job, but we need to point out the difference in how they write coverage because it can factor into your selection of an agent.

Independent Insurance Agents

Agents that elect to be independent do not work for one specific company and that gives them the ability to insure with any number of different companies and find you cheaper rates. If prices rise, they can switch companies in-house and you won’t have to switch agencies.

If you are comparing rate quotes, you will definitely want to get several quotes from at least one independent agent to get the most accurate price comparison. Most also have access to small mutual carriers which can be an advantage.

Featured below is a list of independent insurance agents in Tulsa who may provide free price quotes.

• EZ Insurance Agency
  1207 S Memorial Dr – Tulsa, OK 74112 – (918) 794-3220 – View Map
• GDK Insurance Agency, Inc.
  3908 E 31st St – Tulsa, OK 74135 – (918) 742-5861 – View Map
• Louis Blosch Agency
  9726 E 42nd St #210 – Tulsa, OK 74146 – (918) 664-7100 – View Map

More Tulsa agents

Exclusive Insurance Agencies

Agents in the exclusive channel can only provide pricing for a single company like Allstate, Farmers Insurance or State Farm. They are unable to give you multiple price quotes so they really need to provide good service. They are usually well trained on what they offer and that allows them to sell at a higher price point. Consumers frequently buy from exclusive agents mainly due to the brand name and the convenience of having a single billing for all their coverages.

Listed below are exclusive insurance agents in Tulsa that can give you price quotes.

• Allstate Insurance: Mike De Marco
  5800 S Lewis Ave Ste 149 – Tulsa, OK 74105 – (918) 749-1300 – View Map
• Jonathan Gibson – State Farm Insurance Agent
  205 E Pine St #102 – Tulsa, OK 74106 – (918) 382-5717 – View Map
• Dustin Bass – State Farm Insurance Agent
  8222 S Lewis Ave – Tulsa, OK 74137 – (918) 518-6700 – View Map

More Tulsa agents

Finding the right auto insurance agent should depend on more than just a cheap price quote. Any agent in Tulsa should be forthright in answering these questions:

• How experienced are they in personal risk management?
• If you have an accident, will your rates go up?
• Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
• How is replacement cost determined on your vehicle?
• Do they assist clients in filing claims?

Auto insurance is unique, just like you

When selecting adequate coverage, there isn’t really a one-size-fits-all type of policy. You are unique so your insurance should reflect that
For example, these questions might help in determining whether or not you could use an agent’s help.

• Is my cargo covered for damage or theft?
• Is other people’s property covered if stolen from my vehicle?
• Does car insurance cover theft of personal property?
• Should I drop comprehensive coverage on older vehicles?
• Can I get by with minimal medical coverage if I have good health insurance?
• How do I buy GAP insurance?
• Why are teen drivers so expensive to add on to my policy?

If you can’t answer these questions, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area. It is quick, free and can provide invaluable advice.

How much can you save?

As you prepare to switch companies, it’s not a good idea to buy less coverage just to save a little money. There are too many instances where an insured dropped collision coverage and found out when filing a claim that it was a big error on their part. The goal is to purchase a proper amount of coverage at the lowest possible cost, but do not sacrifice coverage to save money.

Throughout this article, we presented many tips how you can reduce Nissan Rogue insurance premium rates online in Tulsa. The key concept to understand is the more you quote Tulsa auto insurance, the better likelihood of getting affordable Nissan Rogue insurance quotes. Consumers could even find that the lowest premium rates come from a small mutual company. These companies can often insure niche markets at a lower cost compared to the large companies like State Farm and Allstate.

How to find cheaper quotes for Nissan Rogue insurance in Tulsa

It takes a little time, but the best way to find lower priced Nissan Rogue insurance is to begin comparing prices regularly from insurance carriers in Tulsa.

Step 1: Spend some time learning about car insurance and the measures you can control to prevent expensive coverage. Many rating criteria that are responsible for high rates like traffic citations, accidents, and a not-so-good credit score can be rectified by making minor driving habit or lifestyle changes.

Step 2: Quote rates from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only give rate quotes from a single company like GEICO and State Farm, while independent agents can provide price quotes for a wide range of companies.

Step 3: Compare the new rates to the premium of your current policy and see if you can save money. If you find better rates and make a switch, make sure the effective date of the new policy is the same as the expiration date of the old one.

Step 4: Give proper notification to your current agent or company of your intention to cancel your current car insurance policy. Submit the required down payment along with the signed application to your new carrier. As soon as you can, place the new proof of insurance certificate in your glove compartment.

A valuable tip to remember is to try to use similar limits and deductibles on each price quote and and to get quotes from all possible companies. This helps ensure a fair price comparison and a complete price analysis.

Helpful learning opportunities

• Teen Driving Statistics (iihs.org)
• What Auto Insurance is Cheapest for 18 Year Olds in Tulsa? (FAQ)
• What Car Insurance is Cheapest for a Jeep Grand Cherokee in Tulsa? (FAQ)
• Who Has Cheap Car Insurance Rates for a School Permit in Tulsa? (FAQ)
• Five Mistakes to Avoid (Insurance Information Institute)
• Auto Crash Statistics (Insurance Information Institute)