Who Has Affordable Baltimore Auto Insurance for a Nissan Rogue?

Nissan Rogue insurance image courtesy of QuoteInspector.com

Finding the best cheap auto insurance for a Nissan Rogue in Maryland is fairly simple, but it relies on a complicated formula that considers factors such as how old the Rogue is, your address, and driving citations. Drivers in Maryland pay approximately $1,189 a year to insure their Rogue, but that amount is an estimate calculated based on a 30-year-old single female driver with full coverage and $1,000 deductibles.

But there is a good chance that you may not be 30 years old (or even female), possibly married instead of single, and maybe you want different deductibles. Just a very minor change in the rating criteria used to formulate rates may result in a big change in how much insurance for a Nissan Rogue costs.

There is no perfect policy for every driver, so the only way to find the most affordable coverage for your Nissan is to just take the time to compare rates yourself. Get your free quotes now and you will receive prices from some of the cheapest companies that insure Nissan vehicles in Maryland.

Find Cheaper Nissan Rogue Insurance

Your vehicle's trim level will most likely have an effect on price, so the price to insure a Rogue S 2WD model will be $72 less than the cost to insure the more expensive Rogue SL AWD version, as shown by the rates below.

Data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Maryland minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Price estimates do not factor in Baltimore location which can raise or lower coverage rates significantly.

Selecting a good quality car insurance provider can be challenging considering how many different companies insure vehicles in Baltimore. The company information below could help you choose which providers to look at comparing rate quotes with. These ratings include the companies with a significant amount of written premium nationwide, so companies with more of a regional focus will not be included in the list.

Top 10 Large Car Insurance Companies in Baltimore Ranked by Customer Satisfaction

1. USAA - 91%
2. AAA Insurance - 90%
3. Esurance - 90%
4. Nationwide - 89%
5. Travelers - 88%
6. Progressive - 88%
7. Safeco Insurance - 88%
8. State Farm - 88%
9. Allstate - 88%
10. The Hartford - 87%

Top 10 Large Car Insurance Companies in Baltimore Ranked by A.M. Best Rating

1. Travelers - A++
2. USAA - A++
3. GEICO - A++
4. State Farm - A++
5. Titan Insurance - A+
6. Esurance - A+
7. Progressive - A+
8. Nationwide - A+
9. The Hartford - A+
10. Allstate - A+

Full coverage versus liability-only in Baltimore

Saving money on auto insurance is the goal of the majority of drivers, and one common way to find cheap insurance for a Nissan Rogue is to not pay for full coverage. The chart below illustrates the comparison of auto insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. Data assumes no claims, a clean driving record, $250 deductibles, single marital status, and no discounts are factored in.

As an average for all age groups, physical damage coverage on your policy costs $2,671 per year over having just liability coverage. At some point, almost every driver questions if full coverage is worth the money. There isn't a steadfast formula to delete physical damage insurance, but there is a general convention. If the annual cost of coverage is about 10% or more of the vehicle's replacement cost less your deductible, then it could be time to drop full coverage.

There are some conditions where dropping physical damage coverage is not recommended. If you still have a lienholder on your title, you have to keep full coverage to protect the lienholder's interest in the vehicle. Also, if your finances do not allow you to purchase a different vehicle if your current one is totaled, you should keep full coverage in place.

The information below demonstrates how deductibles can influence premium costs when quoting cheap insurance for a Nissan Rogue. The rate quotes are based on a single female driver, full physical damage coverage, and no discounts are applied.

The data above shows that a 50-year-old driver could lower their car insurance rates by $384 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $582 by selecting a $1,000 deductible. Even younger insureds, like the age 20 example, could save $980 every year just by choosing higher deductibles when buying full coverage. If you do make the decision to raise your deductibles, it will now be necessary to have emergency funds available to pay the extra out-of-pocket expense, which is the main drawback of higher deductibles.

What aren't you shopping around?

Baltimore auto insurance rates are calculated based on many things which can significantly increase or decrease the price of coverage. Simply having a birthday, having a claim, or having an accident may generate price changes that can now make some companies much cheaper than others. And not only may your rating factors change, but auto insurance companies change rates every year or even multiple times each year in order to protect their financial rating. Larger than normal claims can result in a rate increase, while lower claim expenses may result in lower-cost Rogue insurance rates.

The graph below shows which company has the cheapest car insurance in Baltimore, MD for a 35-year-old male driver with no violations or accidents, and a good credit rating. If we look at prices based on his personal profile, USAA has the cheapest car insurance rates in Baltimore at $1,581 a year. This is $22 more than the average premium paid by Maryland drivers of $1,559. Liberty Mutual, Penn National, Erie, and State Auto are also included in the cheapest Baltimore, MD auto insurance companies.

In this next rate comparison, we will give the driver from above an accident surcharge, less-than-perfect credit, and a blemish on his driving record. Due to the fact that every insurance company has a different process for setting prices, analyzing rate quotes most likely will result in a significantly different list of affordable companies as shown below.

MetLife now has the best auto insurance rate in Baltimore with Travelers, Nationwide, GEICO, and California Casualty now rounding out the top five. This demonstrates why it is so important to compare lots of rates when trying to get the lowest insurance rates for a Nissan Rogue.

Car insurance prices can be determined by many things and change substantially, so the most affordable company three years ago may now be one of the higher cost companies.

How to find the cheapest auto insurance for a Nissan Rogue

The list below details many penny-pinching ideas that can help you get cheaper coverage.

• Buying car and homeowners insurance together can save money
• Increase your credit score
• Earn a discount by not filing claims
• Raise physical damage deductibles
• Drive vehicles with five-star safety ratings
• Assess whether full coverage is needed
• Keep rates low by shopping around frequently

The last tip in the list is very significant, as we stressed in this write-up. Car insurance rates can be changed at any time, so don't be tentative to switch companies if a cheaper price is available. Sticking with a specific company is fine, but it's not a great idea if that inflexibility results in costing you lots of money. In just a few minutes you could compare rates to find cheaper car insurance for a Nissan Rogue in Baltimore.