A study showed that 70% of consumers have been with the same company for at least four years, and virtually 40% of consumers have never even shopped around for cheap coverage. American drivers can save hundreds of dollars each year by just comparing quotes, but they don’t know the amount of savings they would get if they just switched companies.
Truthfully, the best way to find more affordable Nissan Rogue insurance is to start comparing prices yearly from different companies in Bakersfield.
- First, learn about how insurance works and the things you can control to lower rates. Many rating factors that are responsible for high rates like traffic tickets, fender benders, and an unacceptable credit history can be eliminated by making lifestyle changes or driving safer.
- Second, get rate quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can give quotes from a single company like Progressive or Allstate, while independent agents can provide rate quotes from multiple insurance companies. Compare rates
- Third, compare the new rates to your current policy to determine if switching companies saves money. If you can save some money and change companies, verify that coverage does not lapse between policies.
The most important part of shopping around is to make sure you’re comparing identical limits and deductibles on each quote request and and to get price estimates from every company you can. This helps ensure a fair rate comparison and many rates to choose from.
Bakersfield car insurance discounts
Insuring your fleet can be pricey, but you may qualify for discounts to reduce the price significantly. A few discounts will be applied at the time of purchase, but less common discounts must be specifically requested before you will receive the discount.
- Good Student Discount – A discount for being a good student may save as much as 25% on a Bakersfield car insurance quote. The good student discount can last until age 25.
- Own a Home and Save – Just being a homeowner can get you a discount because of the fact that having a home requires personal responsibility.
- College Student Discount – Any of your kids who are attending college without a vehicle on campus can be insured at a reduced rate.
- No Claims – Insureds with no claims or accidents pay much less when compared with policyholders that have many claims.
- Passenger Safety Discount – Vehicles with factory air bags or automatic seat belts may get savings of up to 25% or more.
- Driver Safety – Taking part in a course that instructs on driving safety can save you 5% or more and easily recoup the cost of the course.
- Anti-lock Brakes – Cars, trucks, and SUVs with ABS braking systems or traction control can reduce accidents and qualify for as much as a 10% discount.
As a footnote on discounts, most discount credits are not given to the whole policy. Some only apply to specific coverage prices like comprehensive or collision. Despite the fact that it seems like it’s possible to get free car insurance, you’re out of luck.
The illustration below visualizes the comparison of Nissan Rogue insurance prices with and without discounts. The data assumes a female driver, no claims or driving violations, California state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, multi-policy, marriage, safe-driver, and claim-free discounts applied.
A few of the larger companies and some of their more popular discounts are included below.
- AAA may offer discounts for multi-policy, education and occupation, AAA membership discount, multi-car, anti-theft, and good student.
- Progressive policyholders can earn discounts including online signing, multi-vehicle, good student, continuous coverage, multi-policy, homeowner, and online quote discount.
- State Farm discounts include Steer Clear safe driver discount, defensive driving training, multiple policy, anti-theft, accident-free, Drive Safe & Save, and good driver.
- Esurance has savings for multi-policy, DriveSense, online quote, anti-theft, claim free, and safety device.
- Nationwide has discounts for anti-theft, business or organization, good student, Farm Bureau membership, multi-policy, and easy pay.
Check with each company or agent how you can save money. A few discounts may not apply in Bakersfield. To find providers who offer discounts in California, click here to view.
The majority of larger companies allow you to get coverage price quotes direct online. This process can be done by anyone as you just type in your coverage information into the form. After the form is submitted, their rating system sends out for reports for credit and driving violations and provides a quote based on the data you entered.
This makes it simple to compare prices and it’s also necessary to have as many quotes as possible if you want to get the best car insurance rates.
To save time and find out how much you can save on car insurance, check out the car insurance providers below. If you currently have coverage, we recommend you complete the form with coverages and limits identical to your current policy. This makes sure you will have a rate comparison based on identical coverages.
The companies shown below are our best choices to provide price quotes in Bakersfield, CA. If the list has multiple companies, we recommend you visit as many as you can to get the best price comparison.
Insurance coverage analysis
The rate information displayed next covers different insurance prices for Nissan Rogue models. Having a good understanding how insurance quotes are formulated can aid in making smart policy decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Rogue S 2WD | $390 | $576 | $654 | $38 | $196 | $1,854 | $155 |
| Rogue S AWD | $390 | $576 | $654 | $38 | $196 | $1,854 | $155 |
| Rogue SL 2WD | $390 | $576 | $654 | $38 | $196 | $1,854 | $155 |
| Rogue SL AWD | $390 | $678 | $654 | $38 | $196 | $1,956 | $163 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Rate quotes do not factor in zip code location which can raise or lower premium rates greatly.
Deductible analysis
When shopping for auto insurance, a common question is how high or low should comp and collision deductibles be. The premium rates below lay out the differences in premium rates between high and low physical damage coverage deductibles. The first set of rates uses a $250 physical damage deductible and the second pricing table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Rogue S 2WD | $342 | $576 | $500 | $30 | $150 | $1,623 | $135 |
| Rogue S AWD | $342 | $576 | $500 | $30 | $150 | $1,623 | $135 |
| Rogue SL 2WD | $342 | $576 | $500 | $30 | $150 | $1,623 | $135 |
| Rogue SL AWD | $342 | $678 | $500 | $30 | $150 | $1,725 | $144 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Rogue S 2WD | $210 | $362 | $500 | $30 | $150 | $1,252 | $104 |
| Rogue S AWD | $210 | $362 | $500 | $30 | $150 | $1,252 | $104 |
| Rogue SL 2WD | $210 | $362 | $500 | $30 | $150 | $1,252 | $104 |
| Rogue SL AWD | $210 | $426 | $500 | $30 | $150 | $1,316 | $110 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Rate information does not factor in specific zip code location which can modify prices noticeably.
Using the data above, we can ascertain that using a $250 deductible will cost you roughly $31 more each month or $372 every year than opting for the higher $1,000 deductible. Because you would pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you go at a minimum 24 months between claim filings, you would save more money if you choose a higher deductible.
How to calculate when to raise deductibles
| Average monthly premium for $250 deductibles: | $137 |
| Average monthly premium for $1,000 deductibles (subtract): | – $106 |
| Monthly savings from raising deductible: | $31 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $31 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 24 months |
One important issue to know is that a higher deductible level results in a higher out-of-pocket expense when you have a claim. You should have some money saved in order to pay more to get your vehicle repaired.
Accidents and violations increase rates
The information below illustrates how violations and accident claims raise Nissan Rogue insurance costs for each different age category. The costs are based on a married male driver, full physical damage coverage, $500 deductibles, and no discounts are taken into consideration.
Comparison of auto insurance rates by age and gender
The illustration below visualizes the comparison of Nissan Rogue insurance costs for male and female drivers. The prices are based on no tickets, no at-fault accidents, full physical damage coverage, $1,000 deductibles, single status, and no other discounts are factored in.
Cost difference between full coverage and liability
The example below illustrates the difference between Nissan Rogue premium costs with full physical damage coverage compared to only buying the minimum liability limits required in California. The prices are based on no claims or driving violations, $250 deductibles, single status, and no discounts are factored in.
When to switch to liability coverage only
There is no clear-cut rule of when to eliminate physical damage coverage on your policy, but there is a general convention. If the annual cost of coverage is more than 10% of any settlement you would receive from your insurance company, then you might want to consider buying only liability coverage.
For example, let’s say your Nissan Rogue replacement value is $4,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most your company would pay you is $3,000 after paying the physical damage deductible. If it’s costing in excess of $300 a year for physical damage coverage, then you might consider buying liability only.
There are some situations where only buying liability is not a good idea. If you still owe a portion of the original loan, you have to keep full coverage in order to satisfy the requirements of the loan. Also, if you don’t have enough money to buy a different vehicle if your current one is damaged, you should not opt for liability only.
When should I discuss my situation with an agent?
When it comes to buying insurance from an agent or online, there really is no single plan that fits everyone. Your situation is unique.
For example, these questions might point out if you would benefit from an agent’s advice.
- When can I cancel my policy?
- Am I covered if my car is in a flood?
- Is there coverage for injuries to my pets?
- Do I need replacement cost coverage?
- When should I remove comp and collision on my Nissan Rogue?
- When should my teen driver be added to my policy?
If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form.
Can’t I get rate quotes from local Bakersfield car insurance agents?
Some people just prefer to buy from a local agent and we recommend doing that The biggest benefit of price shopping on the web is that drivers can save money and get lower auto insurance rates and still choose a local agent.
To help locate an agent, after submitting this simple form, your insurance data is transmitted to local insurance agents in Bakersfield that can give you free Bakersfield car insurance quotes for your business. It’s much easier because you don’t need to contact an agency as quotes are delivered to you. You can find the lowest rates and work with a local agent. In the event you want to compare prices for a specific company, you can always navigate to their website and complete a quote there.
Finding the right insurance company should depend on more than just the price. Some important questions to ask are:
- How many companies do they write for?
- Do they carry Errors and Omissions coverage?
- What kind of financial rating does the company have?
- Will you get a loaner vehicle if you car is being repaired?
- Where would your vehicle be repaired?
Lower rates by being persistent
Drivers switch companies for many reasons like poor customer service, high rates after DUI convictions, not issuing a premium refund or even delays in paying claims. It doesn’t matter what your reason, switching companies can be easy and end up saving you some money.
The cheapest Nissan Rogue insurance in Bakersfield is available both online and from local insurance agents, and you should compare price quotes from both so you have a total pricing picture. Some insurance companies may not have rates over the internet and most of the time these regional insurance providers prefer to sell through independent insurance agents.
As you shop your coverage around, never reduce needed coverages to save money. There have been many cases where an insured cut uninsured motorist or liability limits and learned later that saving that couple of dollars actually costed them tens of thousands. The goal is to purchase a proper amount of coverage for the lowest price but still have enough coverage for asset protection.
More information
- New vehicle ratings focus on headlights (Insurance Institute for Highway Safety)
- Who Has Affordable Bakersfield Car Insurance for a Toyota Tacoma? (FAQ)
- How Much is Auto Insurance for a Honda CR-V in Bakersfield? (FAQ)
- How Much are Bakersfield Auto Insurance Quotes for a Nissan Altima? (FAQ)
- Who Has Cheap Auto Insurance Quotes for Uber Drivers in Bakersfield? (FAQ)
- How Much is Bakersfield Auto Insurance for a GMC Sierra? (FAQ)
- Who Has Cheap Car Insurance Quotes for Young Drivers in Bakersfield? (FAQ)
- How Much are Car Insurance Rates for a Mazda CX-7 in Bakersfield? (FAQ)
- Who Has Affordable Auto Insurance Quotes for Good Drivers in Bakersfield? (FAQ)
- Preventing Carjacking and Theft (Insurance Information Institute)
- Can I Drive Legally without Insurance? (Insurance Information Institute)
- Prom Night Tips for Teen Drivers (State Farm)
- Smart Auto Insurance Tips (Insurance Information Institute)