Buying cheap car insurance for a Nissan Rogue in Pennsylvania is fairly simple, but it depends on an enormous amount of rating factors such as the mileage of your daily commute, if you have prior claims, and the deductible amount you use. Pennsylvania drivers pay approximately $1,009 annually to insure their Rogue, but that amount is a projection using a 40-year-old single female driver with full comprehensive and collision coverage and $500 deductibles.
There is a good probability you aren’t exactly 40 years old or even a female, maybe you are married instead of single, and maybe your Rogue just needs liability-only coverage. Just a slight change in the criteria used to calculate rates could end up with a large change in the cost of insurance for a Nissan Rogue.
This illustrates why the only real way to find the cheapest insurance price for your Nissan is to just compare rates yourself. It only takes a few minutes and you will receive price comparisons from top-rated companies around.
The specific trim level tends to have a direct effect on the insurance rate, so the rate you pay to insure a Rogue S 2WD trim level will be $70 less than the insurance cost for the more well-appointed Rogue SL AWD version, as shown below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Rogue S 2WD||$198||$390||$484||$28||$144||$1,244||$104|
|Rogue S AWD||$198||$390||$484||$28||$144||$1,244||$104|
|Rogue SL 2WD||$198||$390||$484||$28||$144||$1,244||$104|
|Rogue SL AWD||$198||$460||$484||$28||$144||$1,314||$110|
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Price data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Rates do not factor in specific location information which can modify rates considerably.
Buying cost effective insurance is easier said than done, and deciding which company has the most affordable insurance rates for a Nissan Rogue may require a little more work. Each company has their own formula to set policy rates, so let’s take a look at the most affordable insurance companies in Pittsburgh, PA.
It’s important to know that Pittsburgh, PA insurance rates are determined by lots of factors that may substantially change the price of coverage. That is why Pennsylvania drivers need to compare lots of rates to get affordable auto insurance rates for a Nissan Rogue. Car insurance prices are determined by many different factors and change substantially, so the most economical company when you last compared rates may now not even be in the top five.
Cheapest Insurance Rates for Your Nissan
|Rank||Company||Cost Per Year|
|19||Mutual Benefit Group||$1,454|
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General Casualty offers some of the lowest car insurance rates in Pittsburgh at around $726 each year. This is $931 less than the average premium paid by Pennsylvania drivers of $1,657. USAA, Travelers, Erie, and Penn National also qualify as some of the more affordable Pittsburgh, PA auto insurance companies.
In the above example, if you are currently insured with Erie and switched to USAA, you may see an annual premium reduction of in the vicinity of $23. Customers with Penn National could save as much as $39 a year, and Amica customers might reduce rates by $189 a year.
It’s important to note that these prices are averages for all ages of drivers and types of vehicles and and are not calculated with an exact zip code location for a Nissan Rogue. So the insurer that is most affordable for your situation may not even be in the top 30 companies shown above. That affirms the importance of why you need to compare as many prices as possible using your own personal information and vehicle type.
Responsible drivers pay cheaper insurance rates
The ideal way to score the most affordable insurance prices in Pennsylvania for a Rogue is to be a cautious driver and avoid accidents and traffic violations. The example below shows how traffic citations and at-fault fender-benders drive up auto insurance rates for different insured age categories. The premiums assume a married female driver, full physical damage coverage, $1,000 deductibles, and no other discounts are factored in.
The chart shows that the average cost of an auto insurance policy in Pittsburgh per year with no violations or accidents is $1,343. Get two speeding tickets and the average cost hikes up to $1,895, an increase of $552 each year. Now get one accident along with the two speeding tickets and the 12-month cost of insurance for a Nissan Rogue increases to an average of $2,461. That’s an increase of $1,118, or $93 per month, just for being a little careless behind the wheel!
Here’s why you should shop around
Pittsburgh insurance rates are determined by lots of factors that will increase or decrease the price of your policy. Simply getting older, moving to a different location, or getting a DUI can trigger changes in premium resulting in some companies being much cheaper than others.
And not only may your rating factors change, but auto insurance companies file new Pennsylvania car insurance rates as needed in order to offset underwriting gains or losses. An unexpected high level of claims can cause higher rates, while better underwriting may produce cheaper Rogue insurance rates.
The graph below demonstrates which company has the cheapest car insurance in Pittsburgh, PA for a 45-year-old male driver with no prior claims, no tickets, and great credit. If we estimate prices based on his personal risk profile, General Casualty might offer the most affordable car insurance rates in Pittsburgh at $879 annually. This is $778 less than the average policy premium paid by Pennsylvania drivers of $1,657. Erie, Travelers, USAA, and Penn National are the remaining most affordable Pittsburgh, PA auto insurance companies.
Now let’s give the driver from the first example a chargeable accident, less-than-perfect credit, and a few traffic violations. Due to the fact that every insurance company has a different formula for establishing rates, analyzing rates will most likely result in a substantially altered list of cheap Pittsburgh auto insurance companies as shown below.
Amica now has the lowest price in Pittsburgh, PA with Atlantic States, Donegal Mutual, Erie, and USAA also being competitive. This example demonstrates why it is critical to compare many different companies when trying to get the most budget-friendly car insurance quotes for a Nissan Rogue. Car insurance prices are influenced by many risk factors and can increase or decrease at any time, so the cheapest rate six months ago may now be one of the higher cost companies.
How to find the cheapest car insurance for a Nissan Rogue
It is possible to find better rates, and here are some of the recommended money-saving suggestions that can help you find cheap car insurance.
- Higher credit scores may earn you cheaper rates
- Accident-free drivers may qualify for discounts
- Vehicles with safetly features generally cost less to insure
- Raise your physical damage coverage deductibles
- Violations and traffic tickets increase rates
- Do not pay for comprehensive and collision coverage on older vehicles
- Compare rates once a year for cheaper prices
That last tip is notably critical, as was noted in this piece. Insurance rates change a lot, so you should be ready to change to a new company if you can find a cheaper rate. Having a favorite company is fine, but it isn’t a good idea if it’s costing you a lot of money. Now is a great time to compare prices and find cheaper insurance for a Nissan Rogue in Pittsburgh.
If you aren’t clear which coverage you need and would like to have some advice when shopping around for cheaper insurance for a Nissan Rogue, the insurance agencies listed below are willing to help you determine which coverages and limits you need.
To find a Pittsburgh insurance agent in your neighborhood, click the button at the bottom of the list or click here to compare price quotes.
- Crawford Insurance Agency
11743 Frankstown Rd – Pittsburgh, PA 15235 – (412) 244-8888
- Steve Heller – State Farm Insurance Agent
146 Forest Hills Rd – Pittsburgh, PA 15221 – (412) 824-4800
- Masters Insurance Services
1719 Ardmore Blvd – Pittsburgh, PA 15221 – (412) 351-2448