Smart shoppers know that insurance companies want to keep you from comparing prices. Insureds who shop around annually are inclined to buy a new policy because the odds are good of finding coverage at a cheaper rate. A recent survey found that people who faithfully checked for cheaper rates saved approximately $3,400 over four years as compared to drivers who don’t regularly compare prices.
If finding the best rates on insurance in Corpus Christi is your objective, knowing how to get free comparison quotes and analyze coverage rates can help make the process easier.
If your goal is the lowest price, then the best way to find low-cost prices for Nissan Rogue insurance in Corpus Christi is to begin comparing prices regularly from insurers who sell insurance in Texas. Price quotes can be compared by following these guidelines.
- First, get an understanding of the different coverages in a policy and the measures you can take to prevent high rates. Many risk factors that result in higher prices like at-fault accidents and a poor credit score can be controlled by improving your driving habits or financial responsibility. Later in this article we will cover information to help prevent high rates and find discounts that may have been missed.
- Second, request price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only quote rates from a single company like Progressive or Allstate, while independent agencies can give you price quotes from multiple insurance companies. Click to view companies
- Third, compare the new quotes to the premium of your current policy to see if you can save by switching companies. If you find a lower rate and switch companies, ensure there is no coverage lapse between policies.
The most important part of shopping around is to try to compare identical coverages on every price quote and and to get price quotes from as many car insurance companies as possible. Doing this helps ensure an accurate price comparison and the best price selection.
These techniques will tell you the most effective ways to compare rates and also pocket some savings If you have a policy now, you will surely be able to cut your premiums using these methods. But Texas car owners can benefit from knowing how companies market insurance on the web because rates are impacted by many factors.
Corpus Christi insurance discounts for a Nissan Rogue
Some providers do not advertise all their discounts in an easy-to-find place, so the following is a list of a few of the more well known as well as some of the hidden auto insurance savings.
- Defensive Driver Discounts – Taking part in a defensive driver class could earn you a small percentage discount and easily pay for the cost of the class.
- Seat Belt Discounts – Using a seat belt and requiring all passengers to use their safety belts can save up to 15% on the premium charged for medical payments and/or PIP.
- Memberships – Being a member of specific professional or occupational memberships or organizations can get you a small discount on your next renewal.
- Home Ownership Discount – Simply owning a home can help you save on auto insurance because it is proof of financial responsibility.
- No Accidents – Drivers with accident-free driving histories are rewarded with significantly better rates on Corpus Christi car insurance quote when compared with bad drivers.
- Good Student – This discount can save 20 to 25%. You can use this discount normally up to age 25.
- Senior Citizens – If you qualify as a senior citizen, you can get a small discount on rates.
- Early Renewal Discounts – Some larger companies reward drivers for switching companies before your current Rogue insurance policy expires. You may see this discount when you get Corpus Christi car insurance quotes online.
- Accident Forgiveness Coverage – Not a discount per se, but some companies like Progressive and Allstate will forgive one accident before raising your premiums so long as you are claim-free prior to the accident.
- Anti-lock Brake System – Anti-lock brake equipped vehicles can avoid accidents and therefore earn up to a 10% discount.
A little note about advertised discounts, some of the credits will not apply to the entire policy premium. Most cut the cost of specific coverages such as medical payments or collision. If you do the math and it seems like all the discounts add up to a free policy, that’s just not realistic. But all discounts will help lower the premium cost.
The chart below shows the comparison of Nissan Rogue insurance rates with and without discounts applied to the rates. The prices are based on a female driver, a clean driving record, no claims, Texas state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, claim-free, multi-policy, safe-driver, homeowner, and marriage discounts applied.
A few popular companies and a summarized list of policyholder discounts are shown below.
- Progressive policyholders can earn discounts including online signing, multi-policy, continuous coverage, homeowner, multi-vehicle, good student, and online quote discount.
- The Hartford may include discounts for bundle, air bag, driver training, good student, and defensive driver.
- Mercury Insurance has discounts for professional/association, ease of repair, location of vehicle, annual mileage, low natural disaster claims, anti-theft, and multi-policy.
- GEICO discounts include five-year accident-free, membership and employees, anti-lock brakes, seat belt use, driver training, and air bags.
- AAA may offer discounts for good student, education and occupation, pay-in-full, multi-policy, and AAA membership discount.
- State Farm may have discounts that include passive restraint, driver’s education, defensive driving training, multiple policy, multiple autos, good driver, and Steer Clear safe driver discount.
When quoting, ask all the companies what discounts are available to you. Some discounts might not be available to policyholders in every state. To find companies with discount auto insurance rates in Texas, follow this link.
When comparison shopping, there are several ways to compare rate quotes from all the different companies. The easiest way to compare Nissan Rogue insurance prices consists of shopping online. It’s important to know that comparing more quotes will enable you to find a lower rate. Not every company allows you to get rate quotes online, so you need to compare price quotes from those companies as well.
The providers in the list below are our best choices to provide quotes in Corpus Christi, TX. If your goal is to find cheap auto insurance in Corpus Christi, we suggest you visit several of them to get a more complete price comparison.
Rates and information analytics
The coverage information displayed next showcases estimates of insurance costs for Nissan Rogue models. Having a better idea how insurance policy rates are determined can assist in making smart choices when buying a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Rogue S 2WD | $230 | $422 | $414 | $24 | $124 | $1,214 | $101 |
| Rogue S AWD | $230 | $422 | $414 | $24 | $124 | $1,214 | $101 |
| Rogue SL 2WD | $230 | $422 | $414 | $24 | $124 | $1,214 | $101 |
| Rogue SL AWD | $230 | $496 | $414 | $24 | $124 | $1,288 | $107 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Rates do not factor in specific location which can influence prices greatly.
How high should deductibles be?
The hardest decision when buying coverage is what deductibles to buy. The data tables below lay out the differences in premium rates of buying low and high coverage deductibles. The first table uses a $250 comprehensive and collision deductible and the second pricing table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Rogue S 2WD | $294 | $496 | $430 | $26 | $128 | $1,399 | $117 |
| Rogue S AWD | $294 | $496 | $430 | $26 | $128 | $1,399 | $117 |
| Rogue SL 2WD | $294 | $496 | $430 | $26 | $128 | $1,399 | $117 |
| Rogue SL AWD | $294 | $584 | $430 | $26 | $128 | $1,487 | $124 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Rogue S 2WD | $240 | $400 | $430 | $26 | $128 | $1,224 | $102 |
| Rogue S AWD | $240 | $400 | $430 | $26 | $128 | $1,224 | $102 |
| Rogue SL 2WD | $240 | $400 | $430 | $26 | $128 | $1,224 | $102 |
| Rogue SL AWD | $240 | $472 | $430 | $26 | $128 | $1,296 | $108 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Table data does not factor in zip code location which can influence prices substantially.
Using the premium rates above, we can conclude that using a $250 deductible will cost in the ballpark of $15 more each month or $180 annually than choosing the higher $500 deductible. Since the policyholder would be required to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you go more than 17 months between claim filings, you would come out ahead if you choose the higher deductible.
How to calculate deductible break even point
| Average monthly premium for $250 deductibles: | $119 |
| Average monthly premium for $500 deductibles (subtract): | – $104 |
| Monthly savings from raising deductible: | $15 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $15 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 17 months |
One thing to note is that increasing deductibles to save money means you will have to pay more out-of-pocket when you have a claim. You need to make sure you have some available funds in the event you have to pay the higher deductible in order to repair your vehicle.
The information below demonstrates how deductible levels and can increase or decrease Nissan Rogue insurance costs for different categories of driver ages. The price estimates are based on a single male driver, full physical damage coverage, and no discounts are applied to the premium.
Male drivers compared to female drivers in Corpus Christi
The diagram below visualizes the comparison of Nissan Rogue insurance prices for male and female drivers. The premiums assume no driving violations, no at-fault accidents, comprehensive and collision coverage, $500 deductibles, drivers are single, and no policy discounts are applied.
Price comparison of only insuring for liability
The illustration below illustrates the comparison of Nissan Rogue insurance costs with full coverage and liability only. The premium estimates are based on no driving violations, no at-fault accidents, $100 deductibles, drivers are single, and no discounts are taken into consideration.
When to switch to liability coverage only
There is no specific rule of when to drop physical damage insurance, but there is a broad guideline. If the yearly cost of full coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then it may be the right time to buy liability only.
For example, let’s say your Nissan Rogue settlement value is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $7,000 after paying your deductible. If it’s costing in excess of $700 a year for comprehensive and collision coverage, then you might want to consider buying only liability coverage.
There are some circumstances where removing full coverage is not in your best interest. If you haven’t paid off your loan, you have to maintain full coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is damaged, you should not opt for liability only.
Auto insurance can get complicated
When it comes to insurance from an agent or online for your personal vehicles, there really is not a cookie cutter policy. Every situation is different so your insurance needs to address that.
Here are some questions about coverages that could help you determine if you will benefit from professional help.
- Where can I get insurance after a DUI in Texas?
- Do I pay less for low miles?
- When should I drop full coverage on my Nissan Rogue?
- When should I not file a claim?
- Are there companies who specialize in insuring high-risk drivers?
- Can I make deliveries for my home business?
If it’s difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area.
Buying insurance from Corpus Christi car insurance agents
Some consumers would rather sit down and talk to an agent and there is nothing wrong with that. One of the benefits of comparing rate quotes online is that you can obtain cheap rate quotes and still have an agent to talk to. Buying from local agencies is important especially in Corpus Christi.
To find an agent, once you fill out this simple form, your information is submitted to participating agents in Corpus Christi that provide free Corpus Christi car insurance quotes for your business. You won’t even need to leave your house since rate quotes are delivered to you instantly. You can get cheaper insurance rates AND an agent nearby. If you need to get a rate quote from a specific insurance company, feel free to visit that company’s website to submit a rate quote request.
When looking for a reliable insurance agent, it’s important to understand the different types of agencies from which to choose. Corpus Christi agents are considered either independent or exclusive depending on the company they work for.
Independent Insurance Agencies
These type of agents do not have single company limitations and that allows them to write policies with multiple insurance companies and get the cheapest rates. If you want to switch companies, your agent can switch companies and you don’t have to do anything.
If you need cheaper insurance rates, we recommend you include rate quotes from a couple of independent agencies in order to compare the most rates. Most independent agents also contract with additional companies that you may not be familiar with which can save you money.
Featured below are independent insurance agencies in Corpus Christi that may be able to give free insurance quotes.
- IBC Insurance Agency
221 S Shoreline Blvd – Corpus Christi, TX 78401 – (361) 985-1900 – View Map - Tejas Auto Insurance
4701 Ayers St #104 – Corpus Christi, TX 78415 – (361) 814-0030 – View Map - Borden Insurance
210 S Carancahua St Fl 4 – Corpus Christi, TX 78401 – (361) 882-6543 – View Map
View more Corpus Christi agents
Exclusive Agents
These type of agents can only write with one company and examples are AAA, State Farm, Farmers Insurance, and Allstate. These agents are not able to provide rate quotes from other companies so they are skilled at selling on more than just price. Exclusive agencies are trained well on their company’s products and that can be a competitive advantage. Consumers sometimes buy insurance from these agents mainly due to the brand legacy and strong financial ratings.
Shown below is a short list of exclusive agents in Corpus Christi who can help you get price quotes.
- Allstate Insurance: Laura Harris
3837 S Padre Island Dr – Corpus Christi, TX 78415 – (361) 985-2875 – View Map - Allstate Insurance: Donald Morrison
4535 S Padre Island Dr Ste 37 – Corpus Christi, TX 78411 – (361) 854-2383 – View Map - Farmers Insurance – Ruben Bonilla
2727 Morgan Ave #300 – Corpus Christi, TX 78405 – (361) 881-1033 – View Map
View more Corpus Christi agents
Finding the right auto insurance agent needs to be determined by more than just a low price. The questions below may impact your decision as well.
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- Is assistance available after office hours?
- Do you work with a CSR or direct with the agent?
- Does their agency support local causes in Corpus Christi?
- What insurance companies do they recommend if they are an independent agent?
- Will your rates increase after a single accident?
- By raising physical damage deductibles, how much would you save?
More quotes mean more insurance savings
As you go through the steps to switch your coverage, don’t be tempted to reduce coverage to reduce premium. There have been many situations where someone sacrificed liability limits or collision coverage and discovered at claim time that the few dollars in savings costed them thousands. Your focus should be to find the BEST coverage at an affordable rate, but do not skimp to save money.
Throughout this article, we presented a lot of tips how to reduce Nissan Rogue insurance car insurance rates online in Corpus Christi. The key thing to remember is the more quotes you get, the higher the chance of saving money. You may even be surprised to find that the best price on insurance is with a lesser-known regional company. They often have lower premium rates on specific markets as compared to the big name companies such as State Farm and Allstate.
More information is available at these links:
- Uninsured Motorists: Threats on the Road (Insurance Information Institute)
- Who Has the Cheapest Corpus Christi Auto Insurance Quotes for Government Employees? (FAQ)
- What Auto Insurance is Cheapest for Inexperienced Drivers in Corpus Christi? (FAQ)
- Auto Insurance FAQ (Farmers Insurance)
- Prom Night Tips for Teen Drivers (State Farm)