You have seen the catchy commercials from car insurance companies like Progressive and Allstate that say if you switch you’ll get enormous savings. So you should just choose the one with the most memorable commercial, right?
It’s not that simple, unfortunately, as there are a ton of unknown elements like your financial stability, if you are a homeowner or renter, and what physical damage coverage deductibles you want, that all impact the price you pay. We know insurance is not everyone’s favorite topic, but in this article we will cover the best ways to save money and will hopefully give you a good beginning to your quest for cheaper car insurance in California.
Determining which company quotes the cheapest insurance rates for a Nissan Rogue calls for a tad more effort than just comparing a company or two. Every insurance company has their own formula for determining prices, so we need to take a look at the most affordable insurance companies in San Francisco, CA.
We do need to point out that San Francisco insurance rates are influenced by many factors that can increase the price of coverage. Simply improving your credit, buying higher coverage limits, or getting a ticket for careless driving can cause premium changes resulting in some rates now being cheaper than competitors.
Best Cheap Insurance Rates for Your Nissan
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,109 |
| 2 | Wawanesa | $1,192 |
| 3 | CSAA | $1,198 |
| 4 | Nationwide | $1,226 |
| 5 | Century National | $1,226 |
| 6 | 21st Century | $1,325 |
| 7 | Grange | $1,477 |
| 8 | Mercury | $1,488 |
| 9 | Allstate | $1,497 |
| 10 | Progressive | $1,558 |
| 11 | GEICO | $1,559 |
| 12 | Allied | $1,588 |
| 13 | MetLife | $1,638 |
| 14 | The Hartford | $1,639 |
| 15 | State Farm | $1,682 |
| 16 | Esurance | $1,688 |
| 17 | Unitrin | $1,733 |
| 18 | Travelers | $1,806 |
| 19 | Bristol West | $1,849 |
| 20 | Farmers | $2,006 |
| Find Your Rate Go | ||
USAA normally has some of the lowest car insurance rates in San Francisco at around $1,109 a year. Wawanesa, CSAA, Nationwide, and Century National would also make the list of some of the more affordable San Francisco, CA insurance companies.
As shown in the rates above, if you are insured with Nationwide and switched to Wawanesa, you could earn yearly savings of in the neighborhood of $34. Policyholders with Century National could save as much as $34 a year, and 21st Century customers might lower prices by up to $133 a year.
To discover how much you can save, click here to begin a quote or quote prices from the following companies.
It’s important to note that these rates are averaged for all ages of drivers and types of vehicles and and are not figured with a specific vehicle garaging location for a Nissan Rogue. So the company that fits your age and vehicle best may not even be in the list above. That points out the importance of why you need to get car insurance quotes using your own personalized driver profile and vehicle information.
For a Rogue, one of the more important things that aid in calculating car insurance rates is your zip code in San Francisco. Areas with more people or even just a higher incidence of claims are more likely to pay higher prices, whereas more rural areas benefit from lower prices.
The information below sorts the most expensive cities in California for a Nissan Rogue in which to buy car insurance. San Francisco shows up at #3 with a yearly premium of $1,745 for the average policyholder, which is approximately $145 each month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Los Angeles | $2,168 |
| 2 | Glendale | $2,121 |
| 3 | San Francisco | $1,745 |
| 4 | Oakland | $1,687 |
| 5 | Sacramento | $1,652 |
| 6 | Long Beach | $1,610 |
| 7 | San Bernardino | $1,596 |
| 8 | Stockton | $1,588 |
| 9 | Fontana | $1,566 |
| 10 | Santa Clarita | $1,548 |
| 11 | Modesto | $1,547 |
| 12 | Riverside | $1,542 |
| 13 | Garden Grove | $1,524 |
| 14 | Fresno | $1,502 |
| 15 | Moreno Valley | $1,491 |
| 16 | Anaheim | $1,444 |
| 17 | Santa Ana | $1,439 |
| 18 | Bakersfield | $1,394 |
| 19 | Fremont | $1,389 |
| 20 | San Jose | $1,381 |
| 21 | Irvine | $1,371 |
| 22 | San Diego | $1,368 |
| 23 | Huntington Beach | $1,360 |
| 24 | Chula Vista | $1,350 |
| 25 | Oxnard | $1,304 |
| Compare Prices Now Go | ||
Rates are comparative as specific San Francisco zip code can revise coverage rates noticeably.
The example below shows how choosing a deductible can affect premium costs when getting quotes for cheap insurance for a Nissan Rogue. The data is based on a single male driver, comprehensive and collision coverage, and no additional discounts are factored in.
A 40-year-old driver could save $492 a year by switching from a $100 deductible up to a $500 deductible, or save $738 by choosing a $1,000 deductible. Young drivers, such as the Age 20 example, could potentially save $1,640 or even more by using higher deductibles when buying full coverage. If you do decide to increase your deductibles, it will be necessary to have plenty of discretionary funds to offset the extra out-of-pocket expense, which is the main drawback of higher deductibles.
Ratings for San Francisco insurance companies
Picking the highest-rated car insurance provider is difficult considering how many choices there are in California. The company ratings shown next may help you decide which car insurance companies to look at comparing rates from.
The ratings below include the largest companies in the United States, so smaller companies that only insure vehicles in California are not included in the list. To get rate quotes from these and other top-rated companies, follow this link.
Top 10 Large Auto Insurance Providers in San Francisco Ranked by Claims Service
- AAA of Southern California
- State Farm
- Esurance
- AAA Insurance
- Progressive
- Liberty Mutual
- GEICO
- Allstate
- Titan Insurance
- The Hartford
Top 10 Large Auto Insurance Providers Overall in San Francisco
- USAA
- American Family
- AAA of Southern California
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
Liability-only versus full coverage
Paying a lower price for insurance should be important to the majority of people, and one of the best ways to find cheap insurance for a Nissan Rogue is to only pay for liability coverage. The example below shows the comparison of annual premium costs with full coverage and liability only. The costs are based on no driving violations, no at-fault accidents, $1,000 deductibles, single marital status, and no discounts are taken into consideration.
If averaged for all ages, full coverage on your policy costs $1,849 per year over and above liability coverage. Lot’s of drivers question if buying full coverage is worth the money. There is no definitive formula to drop physical damage coverage, but there is a guideline you can consider. If the annual cost of coverage is about 10% or more of the replacement cost minus the deductible, then it could be time to drop full coverage.
For example, let’s pretend your vehicle’s replacement cost is $6,500 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $5,500 after paying your deductible. If you are paying in excess of $550 a year for physical damage coverage, then you might consider buying liability only.
There are some circumstances where only buying liability is not advised. If you still have a loan on your vehicle, you have to keep full coverage as part of the loan requirements. Also, if you can’t afford to buy a different vehicle in the even your car is totaled, you should keep full coverage on your policy.
How to find low-cost car insurance for a Nissan Rogue
The list below shows many money-saving suggestions that can help California drivers buy cheap coverage.
- Increase the comprehensive and collision deductibles on your policy
- Do not get traffic citations
- Do not get into accidents that are your fault
- Good credit can help you save money
- The safer your car, the less it costs to insure
- Compare rates and switch if you can find a better deal
The last idea is very necessary, as was noted in this write-up. Coverage rates can change considerably based on profitability, so don’t be tentative to switch to a new company if a more affordable rate is found. Many drivers prefer to stick with one company, but we do not recommend it if that stubbornness costs you several hundred dollars every year. Now is a great time to shop around to find cheaper auto insurance for a Nissan Rogue in San Francisco.
The agencies below can probably provide answers to your questions and help you determine which coverages you need, as lots of drivers aren’t clear which coverage they need and would like to get some professional input when comparing insurance rates for a Rogue. It’s not always simple to find the best coverage yourself, and agents can provide peace of mind knowing your policy gives you adequate protection in case of an accident or claim. To locate a San Francisco car insurance agency by location nearest to you, click the button at the bottom or click here to compare prices now.
- Traci Hollander – State Farm Insurance Agent
1501 Church St – San Francisco, CA 94131 – (415) 647-3007 - Kate McIntyre – State Farm Insurance Agent
1215 9th Ave b – San Francisco, CA 94122 – (415) 661-3650 - Angela Ng – State Farm Insurance Agent
377 W Portal Ave – San Francisco, CA 94127 – (415) 731-7400 - Al Zeidler Insurance Agency
1714 Stockton St #417 – San Francisco, CA 94133 – (415) 753-1936 - Express Service Insurance
2085 Van Ness Ave – San Francisco, CA 94109 – (415) 440-5136