If you’re shopping for more affordable insurance online, do you get overwhelmed by the number of insurance sources available to you? There are so many sources to choose from that it can quickly become more work than you anticipated to find lower rates on Nissan Rogue insurance. Omaha is a great place to live, but finding the money to pay for insurance can make it nearly impossible to afford proper coverage amounts.
It’s easy to assume that car insurance companies don’t want you to compare rates. Drivers who shop around for the cheapest price are highly likely to buy a different policy because of the good chance of finding a lower-priced policy. A recent survey found that people who compared rates once a year saved on average $860 a year compared to those who never shopped for cheaper rates.
If finding budget-friendly rates on insurance is your ultimate objective, then understanding how to get free comparison quotes and analyze auto insurance can make it simple to find affordable coverage.
Companies offering Nissan Rogue insurance in Nebraska
The companies shown below have been selected to offer price comparisons in Nebraska. In order to find the best auto insurance in Nebraska, it’s highly recommended you click on several of them to get the best price comparison.
Rates and detailed analysis
The information shown below highlights a range of insurance policy prices for Nissan Rogue models. Being aware of how policy premiums are established is important for drivers to make decisions when shopping around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Rogue S 2WD | $124 | $240 | $356 | $22 | $106 | $848 | $71 |
| Rogue S AWD | $124 | $240 | $356 | $22 | $106 | $848 | $71 |
| Rogue SL 2WD | $124 | $240 | $356 | $22 | $106 | $848 | $71 |
| Rogue SL AWD | $124 | $284 | $356 | $22 | $106 | $892 | $74 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Nebraska minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Estimates do not factor in garaging location in Omaha which can impact coverage rates significantly.
Policy deductibles
When buying auto insurance, a common question is how high should the physical damage coverage deductibles be. The following insurance rates may aid in understanding the difference in cost of buying low and high physical damage deductibles. The first rate table uses a $250 comprehensive and collision deductible and the second price table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Rogue S 2WD | $232 | $390 | $338 | $20 | $102 | $1,107 | $92 |
| Rogue S AWD | $232 | $390 | $338 | $20 | $102 | $1,107 | $92 |
| Rogue SL 2WD | $232 | $390 | $338 | $20 | $102 | $1,107 | $92 |
| Rogue SL AWD | $232 | $460 | $338 | $20 | $102 | $1,177 | $98 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Rogue S 2WD | $188 | $314 | $338 | $20 | $102 | $962 | $80 |
| Rogue S AWD | $188 | $314 | $338 | $20 | $102 | $962 | $80 |
| Rogue SL 2WD | $188 | $314 | $338 | $20 | $102 | $962 | $80 |
| Rogue SL AWD | $188 | $370 | $338 | $20 | $102 | $1,018 | $85 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Nebraska minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, multi-vehicle, and homeowner. Price estimates do not factor in specific zip code location which can increase or decrease coverage prices considerably.
Based on these figures, using a $250 deductible costs an average of $13 more each month or $156 for a full year than opting for the higher $500 deductible. Since the policyholder would be required to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you normally average more than 19 months between claim filings, you would save money if you elect the higher deductible.
Get lower-cost Nissan Rogue insurance in Omaha with discounts
Car insurance companies don’t list every discount in a way that’s easy to find, so below is a list a few of the more well known as well as the least known discounts you could be receiving when you buy Omaha auto insurance online.
- Discount for Good Grades – Getting good grades can get you a discount of up to 25%. The good student discount can last until age 25.
- Passive Restraints and Air Bags – Factory air bags or automatic seat belts may qualify for discounts of 20 to 30 percent.
- E-sign Discounts – A few larger online companies will give a small break for signing up digitally online.
- Discount for New Cars – Insuring a new Rogue can cost up to 25% less compared to insuring an older model.
- Responsible Drivers – Insureds without accidents can get discounts for up to 45% lower rates compared to rates paid by drivers with frequent claims.
- Claim-Free Discount – Drivers with accident-free driving histories pay less in comparison with accident-prone drivers.
- Accident Waiver – This one isn’t a discount, but some insurance companies permit an accident before they charge you more for coverage as long as you don’t have any claims for a certain period of time.
- Anti-lock Brakes – Anti-lock brake equipped vehicles can avoid accidents and therefore earn up to a 10% discount.
- Payment Method – If you pay your entire premium ahead of time instead of monthly or quarterly installments you may reduce your total bill.
Drivers should understand that most discounts do not apply to all coverage premiums. Some only apply to specific coverage prices like liability and collision coverage. So even though you would think you can get free auto insurance, you won’t be that lucky. Any qualifying discounts should help reduce your policy premiums.
The example below illustrates the difference between Nissan Rogue insurance costs with and without discounts applied to the rates. The data assumes a female driver, no violations or accidents, Nebraska state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, marriage, safe-driver, multi-policy, and claim-free discounts applied.
A list of auto insurance companies and some of their more popular discounts can be found below.
- State Farm policyholders can earn discounts including safe vehicle, accident-free, Drive Safe & Save, good student, and multiple policy.
- GEICO offers discounts including good student, multi-policy, emergency military deployment, anti-theft, and seat belt use.
- Liberty Mutual offers discounts for preferred payment discount, new vehicle discount, teen driver discount, multi-policy, newly married, and exclusive group savings.
- The Hartford has discounts for air bag, vehicle fuel type, driver training, defensive driver, bundle, and good student.
- MetLife may offer discounts for accident-free, claim-free, defensive driver, multi-policy, good driver, good student
- Progressive includes discounts for multi-vehicle, online signing, continuous coverage, good student, online quote discount, multi-policy, and homeowner.
When getting free Omaha auto insurance quotes, it’s a good idea to each insurance company what discounts are available to you. Some of the discounts discussed earlier might not be offered on policies in Omaha. For a list of auto insurance companies offering auto insurance discounts in Nebraska, click here.
Tailor your insurance coverage to you
When it comes to choosing the best insurance coverage for your vehicles, there really is no “best” method to buy coverage. Every situation is different so your insurance should reflect that
For instance, these questions might help in determining whether or not you might need professional guidance.
- Exactly who is provided coverage by my policy?
- I have health insurance so do I need medical payments coverage?
- Can I use my car for my catering business?
- When do I need to add a new car to my policy?
- Do I need to file an SR-22 for a DUI in Nebraska?
- What is the ISO rating for a Nissan Rogue?
- Am I covered if I crash into my own garage door?
- How much liability do I need to cover my assets?
- Should I buy additional glass protection?
If you can’t answer these questions but you think they might apply to your situation then you might want to talk to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of insurance companies in your area.
Get rate quotes but buy from a local neighborhood Omaha car insurance agent
Many people still prefer to sit down with an agent and that is not a bad decision The best thing about comparing rates online is the fact that you can find lower rates but still work with a licensed agent.
For easy comparison, once you complete this simple form, the coverage information is transmitted to insurance agents in Omaha who will give competitive quotes and help you find cheaper coverage. It simplifies rate comparisons since you won’t have to contact any insurance agencies because prices are sent immediately to you. You’ll get the best rates without the usual hassles of price shopping. If you need to quote rates from one company in particular, just navigate to their website and complete a quote there.
Choosing an insurance company is decision based upon more than just a cheap quote. Here are some questions you might want to ask.
- Is vehicle damage repaired with OEM or aftermarket parts?
- Is the agency active in community causes in Omaha?
- Do you need full coverage on every vehicle?
- Are they properly licensed to sell insurance in Nebraska?
- Can glass claims be handled at your home?
Different types of car insurance agents in Omaha
If you want to use a local Omaha insurance agent, it’s helpful to know the types of insurance agents and how they are distinctly different. Car insurance agents can be described as either independent agents or exclusive agents.
Exclusive Agents
Exclusive agencies can only quote rates from one company and some examples include American Family, State Farm, and AAA. They are unable to shop your coverage around so they are skilled at selling on more than just price. These agents receive a lot of sales training in insurance sales which can be an advantage. Some consumers prefer to use the same exclusive agent mainly due to the prominent brand name and strong financial ratings.
Below are Omaha exclusive insurance agencies who can help you get comparison quotes.
- GEICO Insurance Agent
12240 L St #105 – Omaha, NE 68137 – (402) 491-4100 – View Map - Ryan Hedden – State Farm Insurance Agent
8611 Blondo St – Omaha, NE 68134 – (402) 392-1939 – View Map - Tommy Hughes Jr – State Farm Insurance Agent
1321 Jones St #104 – Omaha, NE 68102 – (402) 346-1011 – View Map
Independent Insurance Agents
Independent agencies are not required to write business for one company so they can insure your vehicles with an assortment of companies and find you cheaper rates. If your agent finds better pricing, your policy is moved internally and you stay with the same agent. If you need lower rates, we recommend you contact several independent agencies so that you can do a thorough price comparison. They also have the ability to place coverage with smaller regional carriers which can save you money.
Below are Omaha independent insurance agencies who can help you get price quote information.
- Best Insurance Agency
7300 F St – Omaha, NE 68127 – (402) 331-1515 – View Map - AA Brokers Insurance Agency Inc.
2214 N 90th Plaza – Omaha, NE 68134 – (402) 392-1930 – View Map - New Frontier Insurance
3637 S 24th St – Omaha, NE 68108 – (402) 731-2505 – View Map
Car insurance 101
Learning about specific coverages of a insurance policy aids in choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. These are typical coverage types found on most insurance policies.
Medical expense insurance
Med pay and PIP coverage provide coverage for short-term medical expenses for things like ambulance fees, EMT expenses, pain medications and surgery. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage
Comprehensive (Other than Collision)
This pays for damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive coverage pays for claims like hitting a bird, theft, a tree branch falling on your vehicle, fire damage and damage from a tornado or hurricane. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.
Liability coverages
This provides protection from damages or injuries you inflict on a person or their property. This insurance protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.
Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.
Liability can pay for things such as bail bonds, legal defense fees, emergency aid, court costs and medical services. How much liability should you purchase? That is a personal decision, but consider buying higher limits if possible. Nebraska requires drivers to carry at least 25/50/25 but drivers should carry more liability than the minimum.
The illustration below shows why buying low liability limits may not be enough coverage.
Protection from uninsured/underinsured drivers
Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.
Since a lot of drivers only purchase the least amount of liability that is required (25/50/25), their limits can quickly be used up. So UM/UIM coverage is a good idea.
Collision coverage
This pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.
Collision can pay for claims like hitting a mailbox, backing into a parked car, colliding with another moving vehicle, colliding with a tree and damaging your car on a curb. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. You can also choose a higher deductible on your Rogue to bring the cost down.
Which car insurance company is best in Omaha?
Choosing the highest-rated insurance provider can be difficult considering how many companies sell coverage in Nebraska. The information shown below may help you pick which car insurance companies you want to consider comparing rates with.
Top 10 Omaha Car Insurance Companies by A.M. Best Rank
- USAA – A++
- GEICO – A++
- Travelers – A++
- State Farm – A++
- Allstate – A+
- Progressive – A+
- Mercury Insurance – A+
- The Hartford – A+
- Nationwide – A+
- Esurance – A+
Top 10 Omaha Car Insurance Companies Ranked by Claims Service
- Progressive
- Travelers
- Liberty Mutual
- Nationwide
- USAA
- AAA Insurance
- GEICO
- Safeco Insurance
- Mercury Insurance
- Esurance
Cheap auto insurance premiums are possible
As you restructure your insurance plan, make sure you don’t buy less coverage just to save a little money. There have been many situations where drivers have reduced uninsured motorist or liability limits and found out when filing a claim that they should have had better coverage. Your strategy should be to buy a smart amount of coverage for the lowest price but still have enough coverage for asset protection.
Lower-priced Nissan Rogue insurance in Omaha is definitely available both online in addition to local insurance agencies, so you need to quote Omaha auto insurance with both to have the best selection. Some insurance providers may not provide online rate quotes and most of the time these regional insurance providers work with independent agents.
Steps to finding more affordable Nissan Rogue insurance in Omaha
The recommended way to get the cheapest Nissan Rogue insurance in Omaha is to compare prices regularly from companies who sell auto insurance in Nebraska. You can compare prices by following these steps.
- Spend some time learning about car insurance and the measures you can control to prevent high rates. Many rating criteria that result in higher rates such as traffic violations, accidents, and your credit history can be remedied by making lifestyle changes or driving safer.
- Compare rates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can provide rates from a single company like GEICO and Allstate, while independent agencies can quote rates from multiple sources. View a list of agents
- Compare the new rates to your existing coverage to see if cheaper Rogue coverage is available in Omaha. If you can save some money and make a switch, make sure there is no lapse between the expiration of your current policy and the new one.
One key aspect of rate comparisons is to make sure you enter identical limits and deductibles on every price quote and and to get rate quotes from as many car insurance companies as possible. Doing this helps ensure a fair rate comparison and the best price selection.
More learning opportunities
- Parking Tips to Reduce Door Dings (State Farm)
- How Much is Omaha Car Insurance for Teenagers? (FAQ)
- How Much are Auto Insurance Rates for Drivers with Accidents in Omaha? (FAQ)
- Who Has the Cheapest Omaha Car Insurance Rates for Electric Cars? (FAQ)
- How Much is Omaha Auto Insurance for Business Use? (FAQ)
- How Much is Auto Insurance for High Risk Drivers in Omaha? (FAQ)
- Five Mistakes to Avoid (Insurance Information Institute)
- Tread Depth and Tire Safety (State Farm)
- Five Tips to Save on Auto Insurance (Insurance Information Institute)
- What is Full Coverage? (Allstate)