Who Has the Cheapest Chicago Auto Insurance for a Nissan Rogue?

Finding cheaper coverage for a Nissan Rogue in Illinois is pretty simple, but it hinges on a whole bunch of rating criteria such as whether you are married or single, your geographic location, and if you have a history of accidents. Drivers will pay on average $680 per year to insure their Rogue, but that price is a projection based upon a 30-year-old married male driver with full coverage and $500 deductibles.

But there is a good chance that you aren't exactly 30 years old or even a male, you might be single instead of married, or maybe you just want different deductibles. Auto insurance requires individual risk assessment, so the only real way to find the cheapest rates for your Nissan is to do your own rate comparisons.

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The specific model of Rogue will be a contributing factor to the cost of insurance, so the price to insure a Rogue S 2WD trim level will be $48 lower than the insurance cost for the more well-appointed Rogue SL AWD model, as shown in the prices below.

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Illinois minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Premium costs do not factor in Chicago location which can increase or decrease insurance rates noticeably.

Picking a high-quality company can be rather challenging considering how many companies there are to choose from in Illinois. The ranking data in the next section can help you pick which car insurance companies you want to consider shopping your coverage with. These ratings include companies that insure vehicles nationwide, so companies without a large exposure will not be included in these rankings.

Top 10 Large Auto Insurers in Chicago Ranked by Customer Satisfaction

1. USAA - 92%
2. Erie Insurance - 88%
3. American Family - 88%
4. State Farm - 88%
5. Nationwide - 88%
6. 21st Century - 88%
7. AAA Insurance - 87%
8. Liberty Mutual - 87%
9. Farmers Insurance - 87%
10. The Hartford - 87%

Top 10 Large Auto Insurers in Chicago Ranked by Claims Service

1. Progressive
2. Travelers
3. Liberty Mutual
4. Nationwide
5. USAA
6. AAA Insurance
7. GEICO
8. Safeco Insurance
9. Mercury Insurance
10. Esurance

Safe drivers pay less for auto insurance

In a perfect world, the ideal way to find good auto insurance rates in Illinois for a Rogue is to drive cautiously and not have accidents or get tickets. The information below demonstrates how speeding tickets and at-fault collisions influence insurance costs for different age groups. The premiums are based on a single male driver, comp and collision included, $1,000 deductibles, and no discounts are applied.

The data above shows the average cost of auto insurance per year with no accidents and a clean driving record is $1,397. Factor in two speeding tickets and the average cost surges to $1,834, an increase of $437 each year. Now get two accidents along with the two speeding tickets and the 12-month cost of auto insurance for a Nissan Rogue goes up to an average of $3,722. That's an increase of $2,324, or $194 per month, just for not driving safely!

Full coverage versus liability-only in Chicago

Finding the cheapest auto insurance should be important to most vehicle owners, and one easy way to buy cheaper insurance for a Nissan Rogue is to buy liability only. The diagram below compares insurance premiums with full physical damage coverage and with liability coverage only. Data assumes no violations or accidents, $100 deductibles, single status, and no discounts are applied.

As an average, physical damage insurance costs $2,010 per year over and above liability coverage. That is a significant amount which raises the question if buying full coverage is worth the money. There is no written rule for dropping full coverage, but there is a guideline you can use. If the annual cost of your full coverage insurance is 10% or more of the replacement cost of your vehicle minus the policy deductible, then you may want to consider only buying liability coverage.

For example, let's pretend your vehicle's replacement cost is $9,500 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $8,500 after the deductible is paid. If premiums are more than $850 a year for your policy with full coverage, then it might be time to buy liability only.

How to find low-cost car insurance for a Nissan Rogue

Lowering your rates is not difficult, and here are some of the better thrifty solutions that can help Chicago drivers get cheaper auto insurance.

• Safer vehicles generally have cheaper insurance rates
• Save money by staying claim-free
• Better credit scores save money
• Having at-fault accidents will increase rates
• Do not get traffic tickets
• Shop around once a year for cheaper rates

The final tip is notably important, as we noted in the prior article. Prices vary greatly, so don't be unwilling to buy from a different company if you can find a cheaper rate. Sticking with a specific company is fine, but we do not recommend it if that dedication is costing money that could be going to better use. Spend a few minutes and compare prices and find cheaper insurance for a Nissan Rogue in Chicago.

The insurance agencies listed below can probably answer your questions and help you decide which insurance coverage will be best for you, as some people prefer to have a professional recommendation when shopping around for cheaper insurance for a Nissan Rogue. It's not always easy to find the best coverage yourself, and getting professional guidance from a licensed agent can bring peace of mind knowing you have sufficient coverage at claim time. To find a Chicago insurance agent in your neighborhood, click the button below the list or click here to compare prices now.

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