Are you overwhelmed by the number of car insurance companies in your area? Drivers have so many options that it can easily become a ton of work to find better premium rates for Nissan Rogue insurance in Fargo. Everyone knows that Fargo has lots to offer, but inflated car insurance rates makes it impossible to buy full coverage.

Insurance for Nissan RogueShocking but true, the majority of drivers kept their policy with the same company for a minimum of four years, and 38% of customers have never compared quotes from other companies. The average driver in Fargo could cut their rates by about $700 a year just by getting comparison quotes, but they don't believe the benefits if they replace their high priced policy.

Companies offering cheap Nissan Rogue price quotes in Fargo, ND

The auto insurance companies shown below can provide free quotes in North Dakota. If multiple companies are shown, it's highly recommended you get price quotes from several of them to get a more complete price comparison.

Nissan Rogue Insurance Rates in Fargo, ND
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rogue S 2WD $204 $400 $328 $20 $98 $1,050 $88
Rogue S AWD $186 $366 $414 $24 $124 $1,114 $93
Rogue SL 2WD $144 $248 $342 $20 $102 $856 $71
Rogue SL AWD $124 $286 $386 $22 $116 $934 $78
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Price data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and North Dakota minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Premium amounts do not factor in specific zip code location which can raise or lower coverage prices noticeably.

Impact of age and gender on auto insurance rates

The example below shows the comparison of Nissan Rogue car insurance rates for male and female drivers. The costs are based on no tickets, no at-fault accidents, full coverage, $250 deductibles, marital status is single, and no additional discounts are factored in.

Should you raise deductibles?

One common question asked by Fargo drivers is the level to set your comp and collision deductibles. The figures shown below outline the differences in price between high and low insurance deductibles. The first rate table uses a $250 physical damage coverage deductible and the second set of rates uses a $1,000 deductible.

Nissan Rogue insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rogue S 2WD $234 $394 $342 $20 $102 $1,117 $93
Rogue S AWD $234 $394 $342 $20 $102 $1,117 $93
Rogue SL 2WD $234 $394 $342 $20 $102 $1,117 $93
Rogue SL AWD $234 $464 $342 $20 $102 $1,187 $99
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Nissan Rogue insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rogue S 2WD $144 $248 $342 $20 $102 $856 $71
Rogue S AWD $144 $248 $342 $20 $102 $856 $71
Rogue SL 2WD $144 $248 $342 $20 $102 $856 $71
Rogue SL AWD $144 $292 $342 $20 $102 $900 $75
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and North Dakota minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Rate quotes do not factor in zip code location which can increase or decrease coverage prices greatly.

Based on these figures, using a $250 deductible will cost you roughly $23 more each month or $276 each year than requesting the higher $1,000 deductible. Since the policyholder would be required to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you normally go at least 33 months between claims, you would come out ahead if you opt for a higher deductible.

Don't overlook these Nissan Rogue insurance discounts

Companies offering auto insurance don't always list the entire discount list very well, so the next list breaks down both well-publicized in addition to some of the lesser obvious savings tricks you should be using when you buy Fargo auto insurance online.Save money with discounts

We need to note that most credits do not apply to the overall cost of the policy. Some only apply to the cost of specific coverages such as liability and collision coverage. Despite the fact that it seems like all the discounts add up to a free policy, nobody gets a free ride.

Some companies who might offer some of the discounts shown above include:

It's a good idea to ask each company or agent which discounts you qualify for. Some credits might not apply in Fargo.

Smart Consumers Can Cut Their Insurance Premiums

Lots of factors are part of the calculation when quoting car insurance. Most are fairly basic such as traffic violations, but others are less apparent such as whether you are married and annual miles driven.

What type of car do you drive? - The type of car you own makes a huge difference in your rates. The lowest rates are usually found on economy passenger cars, but other factors influence the final cost greatly. Since the Nissan Rogue falls in the crossover class, rates will be slightly more compared to average rates in Fargo.

Compare rates if you combine your policies - Some insurers apply better rates to policyholders who carry more than one policy such as combining an auto and homeowners policy. Discounts can be 10 percent or more. Even though this discount sounds good, it's in your best interest to compare other company rates to make sure you are getting the best deal.

Poor credit decisions can cost you - Having a bad credit rating is a big factor in determining your rates. So if your credit can use some improvement, you may save money insuring your Nissan Rogue by repairing your credit. Drivers with high credit scores tend to be less risk to insure than those with poor credit scores.

Liability protection risk factors in - Your policy's liability coverage will afford coverage when you are determined to be liable for damages caused by your negligence. This coverage provides for a legal defense to defend your case. It is affordable coverage compared to other policy coverages, so drivers should carry high limits.

Accidents drive up premiums - How you drive has a big impact on rates. Only having one citation may cause rates to rise twenty percent or more. Attentive drivers have lower premiums compared to bad drivers. Drivers unfortunate enough to have dangerous violations such as DWI, reckless driving or hit and run convictions may find that they have to to complete a SR-22 with their state's licensing department in order to continue driving.

Add-on coverages can waste money - There are quite a few add-on coverages you can purchase if you aren't careful. Insurance for things like rental car coverage, accident forgiveness, and additional equipment coverage are some examples. These coverages may sound good when discussing your needs, but your money might be better spent on other coverage so remove them from your policy.

Nissan Rogue insurance loss probability - Companies use past insurance losses as a tool for profitable underwriting. Models that have higher prevalence or dollar amount of losses will have increased rates. The table below shows the compiled insurance loss statistics for Nissan Rogue vehicles.

For each coverage category, the claim probability for all vehicles, without regard to make or model, is set at 100. Values below 100 indicate better than average losses, while numbers above 100 point to more claims or a tendancy for losses to be larger than average.

Nissan Rogue Insurance Loss Statistics

Vehicle 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
BETTER
AVERAGE
WORSE

Statistics from IIHS.org for 2013-2015 Model Years

Neighborhood Fargo auto insurance agents

Some people would rather go talk to an agent and there is nothing wrong with that. An additional benefit of comparing rate quotes online is that you can find the best rates and still choose a local agent.

Insurance agents in FargoOnce you complete this short form, your information is transmitted to participating agents in Fargo who will return price quotes for your car insurance coverage. You won't even need to find an agent on your own since price quotes are sent directly to you. Get lower rates without having to waste a lot of time. If you wish to get a rate quote from a particular provider, you can always go to their quote page and give them your coverage information.

Finding the right insurance company shouldn't rely on just the quoted price. Here are some questions to ask:

Insurance agent types

If you need to find a local Fargo insurance agency, there are a couple of different types of agents that you can select. Car insurance agents in Fargo can be categorized as either independent or exclusive depending on the company they work for.

Exclusive Insurance Agencies

Agents that choose to be exclusive work for only one company such as State Farm or Allstate. Exclusive agents are unable to provide other company's prices so they have no alternatives for high prices. Exclusive agents are highly trained in insurance sales which helps them compete with independent agents. Consumers frequently buy from exclusive agents partially due to the brand legacy rather than having low rates.

Listed below are Fargo exclusive agencies willing to provide rate quotes.

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Independent Agents (or Brokers)

Independent insurance agents are appointed with more than one company and that is an advantage because they can write policies amongst many companies enabling the ability to shop coverage around. If premiums increase, an independent agent can move your coverage and the insured can keep the same agent. If you are comparing car insurance prices, you need to get quotes from independent agents to have the best price comparison. They often place coverage with smaller companies who may have lower rates.

Listed below are Fargo independent agencies willing to provide price quote information.

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But they said I'd save $461 a year!

Popular insurance providers such as GEICO, State Farm and Progressive seem to constantly run television, radio, and online ads. They all seem to make the point that people will save just by moving to them. How can each company make almost identical claims?

All the different companies have a certain "appetite" for the type of driver that will generate a profit. For instance, a profitable insured may be between the ages of 40 and 55, has few claims, and drives a vehicle with a low ISO rating. Any new insured who matches those parameters will qualify for the lowest premium rates in Fargo and will also save money with a new company.

Potential customers who fall outside the requirements may receive more expensive rates which translates to business not being written. If you listen to the ad wording, they say "people who switch" not "all people who quote" save the amount stated. That is how companies can truthfully make those claims. Because of these techniques, you need to compare free Fargo auto insurance quotes often. Because without a comparison, you cannot know which insurance companies will give you lower car insurance rates than your current company.

Cover all your bases

Insureds switch companies for a variety of reasons including delays in paying claims, delays in responding to claim requests, questionable increases in premium and even lack of trust in their agent. Whatever your reason, finding the right insurance provider is easier than you think.

Lower-priced insurance in Fargo can be bought on the web as well as from independent agents in Fargo, and you should compare rates from both in order to have the best chance of saving money. Some insurance companies don't offer rate quotes online and many times these small, regional companies provide coverage only through local independent agents.

We just presented many ideas to find cheaper Nissan Rogue insurance in Fargo. The key concept to understand is the more times you quote, the higher the chance of saving money. Drivers may even discover the biggest savings come from the least-expected company.

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