2010 Nissan Murano Insurance Rates – 9 Tricks for Cheaper Quotes

Want cheaper auto insurance rates for your Nissan Murano? Nobody I know looks forward to paying for auto insurance, especially knowing they are paying too much.

Big companies like Geico, 21st Century and Progressive constantly bombard you with TV and radio ads and it can be hard to separate fact from fiction and take the time to shop coverage around.

If you currently have a car insurance policy, you stand a good chance to be able to reduce your rates substantially using these techniques. Choosing the best insurance company for you is easy if you know what you’re doing. Although consumers should learn how the larger insurance companies price online insurance and take advantage of how the system works.

Which Auto Insurance is Cheapest?

To find the best auto insurance prices, there are several ways of comparing rates from different insurance companies. One of the best ways to compare 2010 Nissan Murano insurance prices is simply to get online rate quotes. This can be done in just a few minutes using one of these methods.

  • The easiest and least time consuming way to find low rates is a comparison rater form (click to open form in new window). This type of form prevents you from having to do separate forms for every auto insurance company. In just a few minutes this one form compares rates from auto insurance companies with the best prices.
  • A less efficient way to compare prices consists of going to the website for each individual company and complete a new quote form. For example, let’s assume you want rates from Progressive, 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 quicker.

    To view a list of companies in your area, click here.

  • The most time-consuming method of comparing rate quotes is to drive around to and from local insurance agencies. The internet can eliminate the need for a local agent unless you want the professional advice of a licensed agent. Drivers can compare online quotes and still use a local agent.

It’s your choice how you get your quotes, but ensure you’re using identical coverages and limits with each company. If your comparisons have mixed coverages it will be next to impossible to make an equal comparison. Having just a slight variation in coverages can make a big difference in price. And when quoting auto insurance, remember that more quotes gives you a better chance of getting the best price.

Save 15 percent in 15 minutes? Is it for real?

Car insurance companies such as Progressive, Geico, Allstate and State Farm consistently run television and radio advertisements. They all seem to say the same thing that you’ll save big if you change your coverage to them. How can each company claim to save you money?

All companies have a preferred profile for the type of driver that earns them a profit. For example, a profitable customer might be between 25 and 40, insures multiple vehicles, and has great credit. A customer getting a price quote who fits that profile will qualify for the lowest rates and most likely will cut their rates substantially.

Drivers who fall outside the requirements will be quoted higher premiums which leads to the customer not buying. The ads say “customers that switch” not “everyone that quotes” save that much money. That’s the way companies can truthfully advertise the savings. This emphasizes why drivers must get quotes from several different companies. You cannot predict which car insurance company will give you the biggest savings on Nissan Murano insurance.

Cut your premium with these nine discounts

Companies that sell car insurance don’t necessarily list every discount in a way that’s easy to find, so we took the time to find both the well known and the more hidden auto insurance savings.

  • Save over 55 – Older drivers may qualify for a small decrease in premiums on Murano coverage.
  • Military Discounts – Being deployed with a military unit could be rewarded with lower premiums.
  • Paperwork-free – Certain companies may give you up to $50 simply for signing over the internet.
  • Discounts for Safe Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates on Murano coverage than drivers with accidents.
  • Braking Control Discount – Vehicles with anti-lock braking systems can avoid accidents and will save you 10% or more.
  • New Car Discount – Adding a new car to your policy can cost up to 25% less due to better safety requirements for new cars.
  • Anti-theft Discount – Cars that have factory anti-theft systems can help prevent theft and earn discounts up to 10%.
  • No Accidents – Good drivers with no accidents can save substantially when compared with bad drivers.
  • Good Student Discount – This discount can be rewarded with saving of up to 25%. This discount can apply up until you turn 25.

Keep in mind that most credits do not apply to the entire policy premium. Most only reduce the price of certain insurance coverages like collision or personal injury protection. Even though it may seem like adding up those discounts means a free policy, you’re out of luck.

Car insurance companies that may offer some of the above discounts are:

It’s a good idea to ask all companies you are considering which discounts you may be entitled to. Savings might not be offered in your area.

What is the best insurance coverage?

When choosing adequate coverage, there really is not a perfect coverage plan. Everyone’s situation is a little different so this has to be addressed. Here are some questions about coverages that can aid in determining whether your personal situation may require specific advice.

  • Should I buy more coverage than the required minimum liability coverage?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Am I covered if my car is in a flood?
  • Can I rent a car in Mexico?
  • Am I covered if I crash into my own garage door?
  • Are there companies who specialize in insuring high-risk drivers?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of auto insurance companies in your area.

Auto insurance coverages

Knowing the specifics of your insurance policy helps when choosing the right coverages and proper limits and deductibles. The terms used in a policy can be confusing and nobody wants to actually read their policy. Listed below are typical coverages found on the average insurance policy.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your Nissan Murano.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Comprehensive coverages

This pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like hail damage, hitting a deer, a tree branch falling on your vehicle and theft. The highest amount your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses like ambulance fees, doctor visits, rehabilitation expenses and EMT expenses. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. They cover you and your occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Auto liability insurance

This coverage can cover injuries or damage you cause to a person or their property by causing an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 50/100/50 which means a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability insurance covers claims such as legal defense fees, court costs, loss of income and medical services. How much coverage you buy is a personal decision, but you should buy higher limits if possible.

Auto collision coverage

This pays for damage to your Murano resulting from a collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like sustaining damage from a pot hole, damaging your car on a curb, driving through your garage door and hitting a mailbox. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. You can also raise the deductible to bring the cost down.

Take this to the bank

Cheap 2010 Nissan Murano insurance is possible on the web in addition to many insurance agents, so you should compare both to have the best chance of lowering rates. A few companies do not provide you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.

In this article, we covered some good ideas how to compare insurance prices online. The most important thing to understand is the more rate comparisons you have, the better likelihood of reducing your rate. Drivers may discover the lowest premiums are with a small mutual company. These companies may cover specific market segments cheaper as compared to the big name companies such as State Farm, Geico and Nationwide.

Additional insurance information can be found on the following sites: