Who Has Cheap Chula Vista Car Insurance Quotes for a Nissan Rogue?

Buying affordable coverage for a Nissan Rogue depends on lots of different factors such as how many miles you drive each year, your credit score, and any prior driving offenses. Drivers pay around $1,776 each year for Rogue insurance, but that cost is an estimate using a 30-year-old single female driver with full comprehensive and collision coverage and $100 deductibles.

But there is a high likelihood that you may not be 30 years old (or even female), possibly married instead of single, or maybe your Rogue is old enough that it doesn’t require full coverage. Even a minor change in rating factors or requested coverage amount can make a large difference in the price of coverage.

Everone’s needs are different, and this illustrates why the way we recommend to find the cheapest insurance price for your Nissan is to just take the time to compare rates yourself.

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The specific trim level will likely have an effect on the cost of insurance, so the price you pay to insure a Rogue S 2WD will be $152 less than the price to insure the more costly Rogue SL AWD trim level, as shown in the table below.

Nissan Rogue Insurance Rates in Chula Vista, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rogue S 2WD $422 $844 $674 $40 $202 $2,182 $182
Rogue S AWD $422 $844 $674 $40 $202 $2,182 $182
Rogue SL 2WD $422 $844 $674 $40 $202 $2,182 $182
Rogue SL AWD $422 $996 $674 $40 $202 $2,334 $195
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Premium data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Information does not factor in specific location information which can revise auto insurance rates considerably.

Selecting a high-quality car insurance company can be a challenge considering how many companies there are to choose from in Chula Vista. The company information listed below could help you decide which car insurance companies to look at purchasing from. The ratings below are only comprised of major nationwide insurance companies, so companies that have a smaller presence are not included in these rankings.

Chula Vista, CA Car Insurance Company Rankings
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
AAA of Southern California 91 94 97 92% A+ 94.1
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
Farmers Insurance 78 87 88 79% A 84.3
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Data Source: Insure.com Best Car Insurance Companies

The illustration below demonstrates how deductible levels can influence annual premium costs when getting quotes for cheap insurance for a Nissan Rogue. The costs are based on a married female driver, full physical damage coverage, and no discounts are taken into consideration.

As shown above, a 50-year-old driver could lower their car insurance rates by $408 a year by changing from a $100 deductible to a $500 deductible, or save $614 by selecting a $1,000 deductible. Even younger insureds, like the Age 20 chart data, could save up to $1,008 or even more by choosing a higher deductible.

When insureds make the decision to increase the deductibles on their policy, it will be important to have plenty of savings on hand to pay the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.

Why are you paying too much to insure your Rogue?

Chula Vista, CA car insurance rates are impacted by many things that will increase or decrease the price you pay. Simply improving your credit, marrying your spouse, or getting a DUI can cause premium changes that may make certain companies much cheaper than others. In addition to those changes, insurance companies change their prices as needed to ensure their profitability. A period of higher than normal claims can cause a rate increase, while lower claim expenses can produce cheaper Rogue insurance rates.

For instance, the graph below analyzes the cheapest car insurance in Chula Vista, CA for a 40-year-old female driver with a good driving record, no prior claims, and solid credit. When quoting prices based on her current rating profile, USAA may have the best car insurance rates in Chula Vista at $1,121 a year. This is $530 less than the average premium paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide are the rest of the cheapest Chula Vista, CA auto insurance companies.

Let’s now give the driver from the above example an accident claim, slightly worse credit, and a few blemishes on her driving record. Since every insurance provider has a proprietary method to set policy rates, comparing quotes could result in a new list of the cheapest Chula Vista car insurance companies as shown below.

Grange now has the lowest car insurance rate in Chula Vista, CA with Allstate, Mercury, GEICO, and Progressive now being in the top five. This example proves why drivers need to shop around with many companies when trying to get the lowest car insurance quotes for a Nissan Rogue. Auto insurance prices can be altered by many factors and change dramatically, so the cheapest option the last time you compared rates may now be quite expensive.