We don’t have to point out that fact that car insurance companies don’t want you comparing rates. Consumers who perform rate comparisons are highly likely to move their business because there is a good chance of finding lower rate quotes. A recent survey discovered that consumers who routinely shopped around saved about $850 each year as compared to drivers who never shopped for cheaper rates.
If finding the cheapest rates on insurance in New Orleans is your ultimate goal, then knowing how to find companies and compare auto insurance can save money and time.
If you want to save money, the best way to find affordable auto insurance rates in New Orleans is to start comparing prices regularly from providers that insure vehicles in Louisiana. Rates can be compared by following these guidelines.
First, spend some time learning about how auto insurance works and the modifications you can make to keep rates low. Many things that drive up the price like your driving record and an unacceptable credit history can be eliminated by paying attention to minor details.
Second, compare rates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can provide rates from a single company like GEICO or Allstate, while independent agents can provide rate quotes for a wide range of insurance providers.
Third, compare the price quotes to the premium of your current policy and see if there is a cheaper rate. If you find better rates and make a switch, make sure coverage does not lapse between policies.
One thing to point out is that you’ll want to compare the same deductibles and limits on every quote and and to get prices from as many companies as feasibly possible. This provides a fair rate comparison and the best price selection.
Buying the cheapest insurance in New Orleans can be much easier if you know how to start. If you have coverage now, you should be able to get lower rates using the concepts you’re about to learn. Smart buyers just have to understand the proper way to shop for insurance over the internet.
Companies offering Nissan Rogue insurance in Louisiana
The providers in the list below are our best choices to provide free quotes in New Orleans, LA. If your goal is to find the best cheap auto insurance in New Orleans, we recommend you compare several of them in order to find the cheapest rates.
Statistics and details
The coverage information displayed below outlines detailed analysis of coverage prices for Nissan Rogue models. Learning more about how insurance prices are formulated is important to be able to make smart choices when buying a car insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Rogue S 2WD | $348 | $592 | $536 | $32 | $160 | $1,668 | $139 |
| Rogue S AWD | $348 | $592 | $536 | $32 | $160 | $1,668 | $139 |
| Rogue SL 2WD | $348 | $592 | $536 | $32 | $160 | $1,668 | $139 |
| Rogue SL AWD | $348 | $698 | $536 | $32 | $160 | $1,774 | $148 |
| Get Your Own Custom Quote Go | |||||||
Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Louisiana minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Price information does not factor in the specific area where the vehicle is garaged which can influence prices considerably.
Physical damage deductibles
One frequently asked question is how low should you set your deductibles. The premium rates below may help to conceptualize the price difference when you buy lower versus higher policy deductibles. The first data set uses a $100 comprehensive and collision deductible and the second price grid uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Rogue S 2WD | $400 | $722 | $524 | $32 | $158 | $1,861 | $155 |
| Rogue S AWD | $400 | $722 | $524 | $32 | $158 | $1,861 | $155 |
| Rogue SL 2WD | $400 | $722 | $524 | $32 | $158 | $1,861 | $155 |
| Rogue SL AWD | $400 | $850 | $524 | $32 | $158 | $1,989 | $166 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Rogue S 2WD | $292 | $488 | $524 | $32 | $158 | $1,494 | $125 |
| Rogue S AWD | $292 | $488 | $524 | $32 | $158 | $1,494 | $125 |
| Rogue SL 2WD | $292 | $488 | $524 | $32 | $158 | $1,494 | $125 |
| Rogue SL AWD | $292 | $574 | $524 | $32 | $158 | $1,580 | $132 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Louisiana minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Premium amounts do not factor in specific location information which can modify insurance rates considerably.
We can derive from the above data that using a $100 deductible would cost the average driver about $31 more each month or $372 a year across all Nissan Rogue models than selecting the higher $500 deductible. Since you would have to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you tend to go at a minimum 13 months between claims, you would save money if you choose the higher deductible.
Nissan Rogue annual premiums for males versus females
The diagram below compares Nissan Rogue auto insurance rates for male and female drivers. The rate quotes are based on no tickets, no at-fault accidents, full physical damage coverage, $500 deductibles, single marital status, and no discounts are applied to the premium.
Earn discounts on New Orleans car insurance
Some insurers do not advertise the complete list of policy discounts very clearly, so we break down both well-publicized as well as some of the hidden ways to save on car insurance.
- Online Discount – Many car insurance companies give back up to $50 for buying a policy and signing up on your computer.
- Discount for Multiple Policies – If you have multiple policies with the same insurance company they may give you a discount of approximately 10% to 15%.
- Passive Restraints and Air Bags – Cars that have air bags or motorized seat belts could see savings of more than 20%.
- Payment Method – If you pay your bill all at once rather than spreading payments over time you could save up to 5%.
- Anti-lock Brake System – Anti-lock brake equipped vehicles have fewer accidents and therefore earn up to a 10% discount.
- Discount for Home Ownership – Simply owning a home may earn you a small savings due to the fact that maintaining a home is proof that your finances are in order.
Discounts save money, but please remember that some credits don’t apply to the entire policy premium. Some only reduce the price of certain insurance coverages like medical payments or collision. Just because you may think you can get free auto insurance, nobody gets a free ride. But all discounts will bring down the premium cost.
The example below shows the comparison of Nissan Rogue insurance premiums with and without discounts applied. The premiums assume a male driver, no violations or accidents, Louisiana 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 safe-driver, multi-policy, claim-free, homeowner, multi-car, and marriage discounts applied.
Insurance companies that have most of these discounts include:
If you want affordable New Orleans car insurance quotes, ask all companies you are considering which discounts can lower your rates. A few discounts may not apply in your area.
Auto insurance is unique, just like you
When quoting and comparing the right insurance coverage for your vehicles, there really isn’t a cookie cutter policy. Coverage needs to be tailored to your specific needs.
Here are some questions about coverages that might point out if you will benefit from professional help.
- Why am I be forced to buy a membership to get insurance from some companies?
- When would I need additional glass coverage?
- Are my tools covered if they get stolen from my vehicle?
- How does medical payments coverage work?
- When should I remove comp and collision on my Nissan Rogue?
- Are my friends covered when driving my Nissan Rogue?
- Am I better off with higher deductibles on my Nissan Rogue?
- What should my uninsured motorist coverage limits be in Louisiana?
If you’re not sure about those questions, you might consider talking to an agent. If you don’t have a local agent, take a second and complete this form. It is quick, free and can provide invaluable advice.
Compare rates but buy from a neighborhood New Orleans auto insurance agent
A small number of people just want to buy from a licensed agent and that can be a smart move Agents can help determine the best coverages and will help you if you have claims. The best thing about comparing insurance prices online is that you can find lower premium rates and also buy local.
To find an agent, once you fill out this quick form, the coverage information is instantly submitted to insurance agents in New Orleans that provide free New Orleans car insurance quotes for your business. You won’t need to drive around because quoted prices will be sent to you instantly. If you want to compare rates from one company in particular, you would need to visit that company’s website and fill out the quote form the provide.
Picking the best insurance company should include more criteria than just the premium amount. Get answers to these questions too.
- Which insurance company do they prefer to write with?
- Is the agent and/or agency licensed to do business in Louisiana?
- Which members of your family are coverage by the policy?
- Is coverage determined by price?
- What are their preferred companies if they are an independent agency?
- Will their companies depreciate repairs to your car based on the mileage?
Two types of auto insurance agents
If you prefer to buy auto insurance from a good insurance agency, it’s important to understand the different types of agencies that you can choose from. Auto insurance agents may be either exclusive or independent (non-exclusive). Either type can sell auto insurance policies, but it’s good to learn how they differ since it may influence your agent selection.
Exclusive Insurance Agencies
Agents that choose to be exclusive are contracted to one company like Allstate, State Farm and Farm Bureau. These agents are unable to shop your coverage around so it’s a take it or leave it situation. Exclusive agencies are well trained on what they offer and that enables them to sell even at higher rates.
Below are exclusive agents in New Orleans willing to provide price quotes.
Allstate Insurance: Daniel Occhi
4006 Canal St – New Orleans, LA 70119 – (504) 517-9080 – View Map
Carl Mixon – State Farm Insurance Agent
4716 Canal St – New Orleans, LA 70119 – (504) 482-7897 – View Map
Wayne Leone – State Farm Insurance Agent
1701 S Carrollton Ave – New Orleans, LA 70118 – (504) 865-1101 – View Map
Independent Auto Insurance Agents
Independent insurance agents are normally appointed by many insurers so they can write business amongst many companies and possibly get better coverage at lower prices. If premiums increase, they simply move your policy to a different company and you don’t have to find a new agent.
If you are comparing auto insurance prices, you definitely need to contact at least one independent agent to ensure the widest selection of prices.
Listed below are independent agents in New Orleans that are able to give price quote information.
KTS Insurance Agency
3239 Bienville St – New Orleans, LA 70119 – (504) 371-5519 – View Map
Pat Leboeuf Insurance
601 Seguin St – New Orleans, LA 70114 – (504) 361-4600 – View Map
Olympus Insurance Agency
101 W Robert E Lee Blvd #405 – New Orleans, LA 70124 – (504) 535-7755 – View Map
Cheaper auto insurance is a realistic goal
Consumers who switch companies do it for a variety of reasons including delays in responding to claim requests, not issuing a premium refund, extreme rates for teen drivers or even high prices. Regardless of your reason, finding a new company can be less work than you think.
Cheaper Nissan Rogue insurance in New Orleans is possible online in addition to local insurance agencies, and you need to price shop both in order to have the best price selection to choose from. A few companies do not provide online quoting and most of the time these smaller providers only sell through independent agencies.
We covered some good ideas how to reduce Nissan Rogue insurance premium rates online in New Orleans. The key concept to understand is the more rate comparisons you have, the better your comparison will be. Consumers could even find that the best premium rates are with some of the lesser-known companies.
More tips and info about auto insurance can be read in these articles:
- No-Fault Auto Insurance Statistics (Insurance Information Institute)
- What Car Insurance is Cheapest for Drivers with a Bad Driving Record in New Orleans? (FAQ)
- How Much is Auto Insurance for Infrequent Drivers in New Orleans? (FAQ)
- What Insurance is Cheapest for Welfare Recipients in New Orleans? (FAQ)
- Medical Payments Coverage (Liberty Mutual)
- What is Full Coverage? (Allstate)
- Protect Yourself Against Auto Theft (Insurance Information Institute)