How to Reduce Your Nissan Murano Auto Insurance Rates

Finding better insurance prices for a new or used Nissan Murano can turn out to be a painful process, but you can follow a few tricks and make it easy.

There is a right way and a wrong way to buy auto insurance and we’ll show you the proper way to get price quotes for a new or used Nissan and locate the best price possible.

Consumers should take time to compare prices at least once a year due to the fact that insurance rates go up and down regularly. Just because you found the best rates on Murano insurance on your last policy other companies may now be cheaper. There is a lot of bad advice regarding auto insurance online but I’m going to show you some excellent ideas to save money.

Finding cheaper auto insurance coverage is simple if you know the tricks. Essentially anyone who shops for auto insurance will more than likely be able to save money. Although consumers do need to know how companies determine prices and use this information to your advantage.

Where Can I Get Cheap Auto Insurance?

When shopping for auto insurance there are multiple ways of comparing price quotes from auto insurance companies in your area. The quickest method to find competitive Nissan Murano insurance rates is to use the internet to compare rates. This can be accomplished in just a few minutes using one of these methods.

  • The easiest and least time consuming way to find the lowest comparison rates is to use a rate comparison form click here to open form in new window. This form saves time by eliminating separate quotation requests for every auto insurance company. Filling out one form gets you price quotes instantly. This is by far the quickest method.
  • Another way to find lower rates is going to the website of each company to complete their respective quote request forms. For examples sake, we’ll pretend you want to compare Liberty Mutual, GEICO and Travelers. To get rate quotes you would need to take the time to go to each site and enter your policy data, which is why most consumers use the first method. For a list of links to insurance companies in your area, click here.

Whichever way you use, be sure to compare identical deductibles and coverage limits on every quote you get. If you have higher or lower deductibles it’s impossible to make an equal comparison. Just a small difference in coverage limits can mean a large discrepancy in price. And when comparison shopping, comparing a large number of companies helps you find better pricing. insurance cheap

Do you qualify for discounts?

Car insurance can cost a lot, but discounts can save money and there are some available to cut the cost considerably. A few discounts will automatically apply at the time of quoting, but less common discounts must be manually applied before you will receive the discount.

  • Safe Drivers – Safe drivers may receive a discount up to 45% less on Murano insurance than drivers with accidents.
  • Claim Free – Good drivers with no accidents can earn big discounts when compared to accident-prone drivers.
  • Save over 55 – If you qualify as a senior citizen, you may qualify for a discount up to 10% on Murano insurance.
  • Passive Restraints and Air Bags – Factory air bags and/or automatic seat belt systems can get savings of more than 20%.
  • Military Discounts – Being deployed with a military unit could mean lower rates.

Consumers should know that most of the big mark downs will not be given to your bottom line cost. The majority will only reduce specific coverage prices like comp or med pay. So even though they make it sound like adding up those discounts means a free policy, it just doesn’t work that way. Any amount of discount will cut your overall premium however.

To see a list of insurance companies with discount auto insurance rates, click here.

Don’t assume everyone needs the same coverage

When buying the best auto insurance coverage, there is no “best” method to buy coverage. Everyone’s situation is a little different.

For instance, these questions may help highlight if your insurance needs could use an agent’s help.

  • Is my cargo covered for damage or theft?
  • Am I covered when driving a rental car?
  • Does my Nissan Murano qualify for pleasure use?
  • What if I total my Nissan Murano and owe more than it’s worth?
  • Why am I required to buy high-risk coverage?
  • Can I get a multi-policy discount for packaging my home and auto coverage?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with an agent. If you want to speak to an agent in your area, take a second and complete this form.

Nissan Murano rates are in the details

Consumers need to have an understanding of some of the elements that help determine the price you pay for auto insurance. Knowing what determines base rates enables informed choices that can help you get big savings.

compare Murano insurance prices

  • Big city or small town – Choosing to live in less populated areas has it’s advantages when buying auto insurance. Lower population means reduced accidents and also fewer theft and vandalism claims. Drivers in populated areas tend to have congested traffic and longer commutes to work. Longer commute distances means more change of being in an accident.
  • Cautious drivers pay less – A bad driving record has a huge affect on how much you pay. Even one ticket may increase your cost by twenty percent. Drivers with clean records receive lower rates than people who have multiple driving citations. If you have severe violations such as hit and run, DWI or reckless driving convictions may find they need to submit a SR-22 form with their state DMV in order to drive a vehicle legally.
  • How credit affects auto insurance rates – Credit rating is a huge factor in your rate calculation. People with high credit ratings tend to be more responsible than those with lower credit scores. If your credit rating can use some improvement, you could potentially save money when insuring your Nissan Murano by improving your rating.
  • Marriage brings a discount – Being married can actually save you money when buying auto insurance. Having a spouse usually means you are more responsible and it’s proven that married couples file fewer claims.
  • More miles equals more premium – Driving more miles in a year the higher your rates will be. Most insurance companies charge to insure your cars based on their usage. Cars and trucks used primarily for pleasure use can get a lower rate as compared to vehicles used primarily for driving to work. An improperly rated Murano can result in significantly higher rates. Double check that your auto insurance coverage properly reflects the proper vehicle usage, because it can save money.

Quote often and quote early

Cheap Nissan Murano insurance can be found both online and also from your neighborhood agents, and you need to price shop both to have the best chance of lowering rates. Some companies may not provide online price quotes and many times these smaller companies only sell through independent insurance agents.

When trying to cut insurance costs, you should never skimp on coverage in order to save money. There are a lot of situations where drivers have reduced uninsured motorist or liability limits and discovered at claim time they didn’t have enough coverage. The ultimate goal is to purchase plenty of coverage at the best price.

People who switch companies do it for a variety of reasons including high rates after DUI convictions, questionable increases in premium, unfair underwriting practices and extreme rates for teen drivers. Regardless of your reason, switching auto insurance companies can be pretty painless.