Lower Your 2014 Nissan Murano Insurance Rates

Looking for cheaper insurance rates for your Nissan Murano? If you’re new to shopping for insurance quotes online, you can be baffled thanks to all the different types of companies offering insurance.

It is always a good idea to compare premium rates yearly since prices are adjusted regularly by insurance companies. If you had the best deal for Murano insurance a couple years back the chances are good that you can find a lower rate quote today. There are lots of tips to save on insurance online, but you can learn a lot of great tips on how to lower your insurance bill.

If you currently have car insurance, you will most likely be able to cut costs considerably using this strategy. Finding the lowest cost protection can be fairly easy. Nevertheless, consumers can benefit by having an understanding of the way insurance companies price online insurance.

How much is insurance?

Effectively comparing insurance prices can be challenging if you aren’t aware of the most efficient way to do it. You can spend countless hours talking to insurance agencies in your area, or you could use online quotes to maximize your effort.

Most of the larger companies belong to a marketplace where prospective buyers only type in their quote data once, and at least one company returns a competitive quote based on that data. This saves time by eliminating repetitive form submissions to every company.

To find out how much you’re overpaying now click here (opens in new window).

The only downside to using this type of form is you are unable to specify the companies to receive prices from. If you would rather choose from a list of companies to receive pricing from, we put together a list of companies who write insurance in your area. Click here for list of insurance companies.

It doesn’t matter which method you choose, just be sure to compare nearly identical information on every quote. If you have unequal deductibles or liability limits you can’t possibly make a fair rate comparison. Having just a slight variation in limits may result in a large different in cost. Just remember that comparing more quotes increases your odds of finding the best price. Some insurance companies are not set up to provide price estimates online, so it’s necessary to compare price quotes from the smaller companies as well.

How insurers calculate Nissan Murano insurance premiums

One of the most helpful ways to save on auto insurance is to to have a grasp of a few of the rating criteria that go into determining your premiums. If you understand what determines base rates, this enables informed choices that can earn you lower rates.

• Bundle home and auto and save – Many insurers will award discounts to buyers who consolidate policies with them, otherwise known as a multi-policy discount. If you currently are using one company, it’s still a good idea to check prices from other companies to help guarantee you have the best rates.
• Better rates for being claim-free – Car insurance companies provide better rates to people who file claims infrequently. If you are a frequent claim filer, you can pretty much guarantee much higher rates or policy non-renewal. Insurance coverage is intended to be relied upon for claims that pose a financial burden.
• Rate your vehicle for proper use – The more you drive your Nissan annually the more it will cost to insure it. Most insurance companies apply a rate based on how the vehicle is used. Autos that have low annual miles receive better premium rates than vehicles that are driven to work every day. Verify your auto insurance policy shows the correct usage for each vehicle. Improper usage on your Murano can cost quite a bit.
• Women pay lower costs – Statistics show women are more cautious behind the wheel. However, this does not mean females are better drivers. Women and men get in accidents at a similar rate, but males cause more damage. Men also tend to receive more major tickets like DWI (DUI) or reckless driving. Males from age 16 to 21 cause the most accidents and therefore have the most expensive auto insurance rates.
• Liability insurance is critical – Liability insurance is the coverage that protects you if ever a court rules you are at fault for damages caused by your negligence. It provides legal defense to attempt to prove you were not liable. Liability insurance is quite affordable compared to other policy coverages, so drivers should buy more than the minimum limits required by law.
• Rural areas have lower prices – Choosing to live in a small town is a positive aspect when shopping for auto insurance. Drivers in populated areas regularly have traffic congestion and much longer commute distances. Less people means a lower chance of having an accident as well as less vandalism and auto theft.
• Better credit means lower prices – Having a bad credit score is a big factor in determining what you pay for auto insurance. If your credit can be improved, you could be paying less to insure your 2014 Nissan Murano by improving your rating. Consumers who have excellent credit tend to be more responsible and file fewer claims than those with worse credit.

Get lower rates with these auto insurance discounts

Insurance can be prohibitively expensive, but you may be missing some discounts to help offset the cost. Certain credits will be shown at the time of purchase, but a few must be inquired about before being credited.

• Discount for New Cars – Buying a new car instead of a used car can save you some money since newer vehicles are generally safer.
• Multi-policy Discount – When you combine your auto and homeowners insurance with one company you could save over 10 percent off each policy depending on the company.
• Good Student – Maintaining excellent grades can save 20 to 25%. Many companies even apply the discount to college students until age 25.
• Driver’s Education for Students – Make teen driver coverage more affordable by requiring them to enroll and complete driver’s education in high school.
• Accident-Free Discounts – Drivers who stay claim-free can save substantially when compared to drivers who are more careless.
• Fewer Miles Equal More Savings – Maintaining low annual mileage can qualify you for lower prices on the low mileage vehicles.

You should keep in mind that most discounts do not apply the the whole policy. The majority will only reduce specific coverage prices like comp or med pay. Even though the math looks like you would end up receiving a 100% discount, it just doesn’t work that way. But all discounts will definitely reduce the cost of coverage.

A few popular companies and some of their more popular discounts can be found below.

• Geico includes discounts for daytime running lights, military active duty, anti-lock brakes, anti-theft, seat belt use, and federal employee.
• MetLife has discounts for multi-policy, good driver, good student, defensive driver, claim-free, accident-free
• Progressive offers premium reductions for multi-vehicle, homeowner, continuous coverage, online signing, online quote discount, and multi-policy.
• Travelers has savings for hybrid/electric vehicle, payment discounts, good student, save driver, student away at school, and new car.
• SAFECO may include discounts for teen safety rewards, anti-theft, anti-lock brakes, safe driver, teen safe driver, and drive less.
• AAA offers discounts for good student, pay-in-full, multi-policy, education and occupation, AAA membership discount, and multi-car.

Before buying, ask all companies you are considering which credits you are entitled to. Some discounts might not be offered on policies everywhere.

Insurance can get complicated

When it comes to choosing the best insurance coverage for your personal vehicles, there is no best way to insure your cars. Every insured’s situation is different.

For example, these questions might point out whether or not you would benefit from professional advice.

• Is my dog or cat covered if injured in an accident?
• Does my 2014 Nissan Murano qualify for pleasure use?
• Do I need PIP coverage since I have good health insurance?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• What happens if I owe more than my 2014 Nissan Murano is worth?
• Does my policy pay for OEM or aftermarket parts?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form.

What insurance coverages do you need?

Knowing the specifics of your policy can help you determine the best coverages and proper limits and deductibles. Insurance terms can be impossible to understand and nobody wants to actually read their policy.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for expenses for nursing services, rehabilitation expenses, chiropractic care, ambulance fees and doctor visits. The coverages can be used in conjunction with a health insurance program or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Auto liability

This coverage can cover damage or injury you incur to people or other property. This coverage protects you against other people’s claims. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability can pay for things such as medical services, repair costs for stationary objects, structural damage, repair bills for other people’s vehicles and court costs. How much liability should you purchase? That is up to you, but buy as large an amount as possible.

Comprehensive coverages

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as hitting a bird, a broken windshield, a tree branch falling on your vehicle and damage from flooding. The highest amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Auto collision coverage

This coverage pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things like colliding with another moving vehicle, driving through your garage door, scraping a guard rail and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Uninsured and underinsured coverage

Your UM/UIM coverage gives you protection when the “other guys” do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Never pay more for less

Insureds change insurance companies for any number of reasons including lack of trust in their agent, policy non-renewal, high rates after DUI convictions and an unsatisfactory settlement offer. Regardless of your reason, finding a great new company is easier than you think.

In this article, we covered many ways to compare 2014 Nissan Murano insurance rates online. The key concept to understand is the more providers you compare, the higher your chance of finding the cheapest insurance. Consumers may even find the most savings is with a smaller regional carrier.

More affordable auto insurance is available on the web and from local agencies, so you need to shop insurance with both to have the best selection. Some insurance companies don’t offer rate quotes online and most of the time these smaller companies work with independent insurance agencies.

Additional detailed information is located by following these links:

• How to Avoid Buying a Flooded Car (Insurance Information Insitute)
• Winter Driving (Insurance Information Insitute)
• Insurance Losses by Make and Model (iihs.org)
• Vehicle Safety Ratings (iihs.org)