2004 Nissan Murano Insurance Rates – 10 Tips for Cheaper Quotes

Trying to find cheaper insurance rates for your Nissan Murano? I can’t think of a single person who likes paying for insurance, particularly when their premiums are through the roof. There are many car insurance companies to choose from, and though it is a good thing to have a selection, it makes it harder to find a good deal.

Smart consumers take time to take a look at other company’s rates periodically because insurance rates are rarely the same from one policy term to another. Despite the fact that you may have had the best price on Murano insurance a couple years back you may be paying too much now. Forget anything you know (or think you know) about insurance because we’re going to demonstrate how to use online quotes to save money, get proper deductibles and limits, all at the lowest rate.

How to Lower Your Insurance Coverage Cost

Getting a cheaper price on 2004 Nissan Murano insurance is a fairly straight forward process. The only requirement is to take time to compare rate quotes provided by online insurance companies. This can be accomplished using a couple different methods.

1. One of the simplest ways to find low rates is an all-inclusive rate comparison like this one (opens in new window). This easy form prevents you from having to do separate quotation requests to each individual insurance coverage company. Completing one form will get you rate comparisons from insurance coverage companies with the best prices.
2. A more difficult way to analyze rates requires a visit to the website for every company you want to comare and fill out their own quote form. For instance, let’s say you want comparison quotes from Nationwide, Farmers and Geico. To find out each rate you need to visit each site to enter your coverage information, which is why the first method is more popular. For a list of links to insurance companies in your area, click here.
3. The most time-consuming way of comparing rate quotes is driving around to and from local insurance agencies. Buying insurance online eliminates the need for an insurance agent unless you want the professional advice of a local agent. However, consumers can compare online quotes and still use a local agent and you’ll learn how to do that later.

Which method you use is up to you, but ensure you’re using exactly the same coverage limits for every company. If you enter different values for each quote it will be impossible to make a fair comparison for your Nissan Murano.

Lots of discounts mean lots of savings

Insuring your fleet can be pricey, but there are discounts available that can drop the cost substantially. Some trigger automatically at the time of purchase, but less common discounts must be asked about before you get the savings. If you don’t get every credit possible, you’re just leaving money on the table.

• Anti-lock Brake System – Cars that have steering control and anti-lock brakes can reduce accidents and qualify for as much as a 10% discount.
• Passive Restraints and Air Bags – Vehicles equipped with air bags can get savings of up to 25% or more.
• Drive Less and Save – Driving fewer miles could be rewarded with a substantially lower rate.
• Discounts for Safe Drivers – Safe drivers may receive a discount up to 45% less on Murano insurance than less cautious drivers.
• College Student – Kids in college who attend school more than 100 miles from home and do not have access to a covered vehicle can be insured at a reduced rate.
• Memberships – Being a member of certain professional organizations could trigger savings when shopping for insurance coverage on Murano insurance.
• Theft Prevention Discount – Anti-theft and alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
• No Accidents – Drivers with accident-free driving histories can save substantially when compared with frequent claim filers.
• Life Insurance Discount – Select insurance companies reward you with a break if you buy life insurance from them.
• Good Students Pay Less – A discount for being a good student can save 20 to 25%. The good student discount can last well after school through age 25.

Keep in mind that most discounts do not apply to the overall cost of the policy. Some only reduce the cost of specific coverages such as comp or med pay. So despite the fact that it appears adding up those discounts means a free policy, companies wouldn’t make money that way. But any discount will reduce your overall premium however.

To see a list of insurance companies with the best insurance coverage discounts, click here.

Situations that might require an agent

When choosing adequate coverage for your personal vehicles, there really is not a single plan that fits everyone. Your needs are not the same as everyone else’s and your policy should reflect that. For example, these questions may help highlight if your insurance needs would benefit from an agent’s advice.

• Does medical payments coverage apply to all occupants?
• Am I covered if hit by an uninsured driver?
• Can I afford to pay high deductible claims out of pocket?
• Am I covered if I drive in a foreign country?
• Do I need medical payments coverage since I have good health insurance?
• How much liability insurance is required?
• Am I covered when driving on a suspended license?
• Should I sign the liability waiver when renting a car?
• Does my 2004 Nissan Murano need full coverage?
• Is my 2004 Nissan Murano covered for flood damage?

If it’s difficult to answer those questions, you might consider talking to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies. It’s fast, free and can help protect your family.

Insurance coverages 101

Understanding the coverages of your policy helps when choosing appropriate coverage for your vehicles. The terms used in a policy can be ambiguous and coverage can change by endorsement. Below you’ll find the normal coverages found on most insurance policies.

Uninsured/Underinsured Motorist coverage

This coverage gives you protection when the “other guys” either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your 2004 Nissan Murano.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Normally these coverages do not exceed the liability coverage limits.

Collision coverage protection

Collision insurance pays for damage to your Murano from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as rolling your car, backing into a parked car and scraping a guard rail. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like a broken windshield, rock chips in glass, hail damage, hitting a bird and a tree branch falling on your vehicle. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for bills like chiropractic care, pain medications, hospital visits and ambulance fees. They can be used in conjunction with a health insurance plan or if you do not have health coverage. They cover both the driver and occupants in addition to being hit by a car walking across the street. Personal Injury Protection is only offered in select states and may carry a deductible

Coverage for liability

This coverage will cover damages or injuries you inflict on other people or property. It protects you against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 100/300/100 which means $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things such as attorney fees, emergency aid, medical services and pain and suffering. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as much as you can afford.