Lower Your 2011 Nissan Murano Insurance Cost

Looking for lower insurance rates for your Nissan Murano? Are you overwhelmed by the dozens of insurance companies? Lot’s of other consumers are too. Drivers have so many companies to choose from that it can easily become a real challenge to find better rates.

You should take the time to shop coverage around yearly due to the fact that insurance rates are adjusted regularly by insurance companies. Just because you found the best deal for Murano coverage a couple years back other companies may now be cheaper. So forget anything you know (or think you know) about insurance because you’re going to learn the only way to find better rates and still maintain coverage.

Factors influencing Nissan Murano insurance rates

It’s important that you understand the factors that help determine your insurance coverage rates. Understanding what impacts premium levels allows you to make educated decisions that will entitle you to better insurance coverage rates.

  • Marriage brings a discount – Getting married actually saves money on insurance coverage. Marriage is viewed as being more mature and responsible and statistics show married drivers get in fewer accidents.
  • Cautious drivers pay less – Your driving citation history impacts your car insurance rates tremendously. Just one ticket can boost insurance rates by twenty percent. Careful drivers have lower premiums than bad drivers. Drivers who have serious citations such as reckless driving, hit and run or driving under the influence may need to submit a SR-22 form with their state DMV in order to continue driving.
  • Protect your assets with liability insurance – The liability section of your policy is the protection if a jury decides you are liable for personal injury or accident damage. Liability insurance provides legal defense coverage which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so drivers should carry high limits.
  • Equipment add-ons that lower insurance coverage rates – Purchasing a vehicle that has an advanced theft prevention system can get you a discount on your insurance coverage. Theft prevention devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping your vehicle from being stolen.
  • Safer cars are cheaper to insure – Safer cars tend to have better insurance rates. The safest vehicles have better occupant injury protection and lower injury rates means less money paid by your insurance company and lower rates for you. If the Nissan Murano is rated at least four stars on Safercar.gov it is probably cheaper to insure.
  • Older drivers pay less – Older insureds are more responsible, statistically cause fewer accidents and tend to be better behind the wheel. Teen drivers have a tendency to be less responsible when behind the wheel therefore insurance coverage rates are much higher.
  • Pleasure use or commuting – The more miles you rack up on your Nissan in a year’s time the higher your rate. Most insurance companies apply a rate based on how the vehicle is used. Autos that are left in the garage get more affordable rates compared to those used for work or business. Verify your insurance coverage policy properly reflects how each vehicle is driven. If your policy improperly rates your Murano may be wasting your money.
  • Do men or women drive better? – The statistics show that women are safer drivers than men. Now that doesn’t mean men are WORSE drivers than women. They both have accidents at a similar rate, but the males tend to have more serious accidents. They also get cited for more serious violations like reckless driving and DUI.

Verify you’re getting all your discounts

Companies don’t list all their discounts in a way that’s easy to find, so the following is a list of both well-publicized as well as the least known savings tricks you should be using.

  • One Accident Forgiven – A handful of insurance companies permit an accident before raising your premiums if you are claim-free for a particular time prior to the accident.
  • Federal Employees – Employees or retirees of the government can earn a discount up to 10% for Murano coverage with a few insurance coverage companies.
  • Auto/Life Discount – Companies who offer life insurance give better rates if you take out life insurance from them.
  • Auto/Home Discount – When you have multiple policies with one insurance company you could get a discount of approximately 10% to 15%.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to complete a driver education course if offered at their school.
  • Anti-theft System – Vehicles with anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
  • Drive Less and Save – Low mileage vehicles can earn lower rates on the low mileage vehicles.
  • Homeowners Savings – Owning a house can help you save on insurance coverage because of the fact that having a home requires personal responsibility.

Drivers should understand that some of the credits will not apply to the entire cost. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Just because you may think all the discounts add up to a free policy, it just doesn’t work that way.

Insurance companies who might offer some of the above discounts include:

Check with each company what discounts are available to you. Savings might not be offered in your area.

Is there truth in advertising?

Insurance providers like State Farm, Geico and Progressive regularly use ads in print and on television. They all have a common claim that you’ll save big if you move your policy. How does each company claim to save you money?

All the different companies have a certain “appetite” for the type of driver that earns them a profit. A good example of a preferred risk might be over the age of 40, insures multiple vehicles, and has a short commute. A driver that hits that “sweet spot” will qualify for the lowest rates and is almost guaranteed to cut their rates substantially.

Potential customers who fall outside the “perfect” profile will be quoted a more expensive rate and this can result in business going elsewhere. Company advertisements say “drivers who switch” not “people who quote” save money. This is how companies can truthfully make those claims. This emphasizes why you need to get quotes from several different companies. Because you never know which company will provide you with the cheapest Nissan Murano insurance rates.

When should I talk to an agent?

When choosing the right insurance coverage for your personal vehicles, there is no “best” method to buy coverage. Everyone’s situation is a little different.

For example, these questions can aid in determining whether your personal situation might need professional guidance.

  • Am I covered if I wreck a rental car?
  • Can I afford to buy a different vehicle if my 2011 Nissan Murano is totaled?
  • Am I covered when driving on a suspended license?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • What if I total my 2011 Nissan Murano and owe more than it’s worth?
  • Is a fancy paint job covered?
  • Are my tools covered if they get stolen from my vehicle?
  • How high should my uninsured/underinsured coverage be in my state?
  • Can my teen driver be rated on a liability-only vehicle?

If you can’t answer these questions but you know they apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, simply complete this short form.

Specifics of your auto insurance policy

Knowing the specifics of your auto insurance policy can help you determine which coverages you need for your vehicles. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Liability insurance

Liability insurance will cover damages or injuries you inflict on other people or property by causing an accident. It protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability coverage protects against things such as bail bonds, medical services and funeral expenses. The amount of liability coverage you purchase is your choice, but buy higher limits if possible.

Comprehensive protection

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as vandalism, damage from a tornado or hurricane, fire damage and hitting a bird. The most your auto insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Collision coverage

Collision coverage will pay to fix damage to your Murano resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as hitting a mailbox, colliding with another moving vehicle and crashing into a ditch. This coverage can be expensive, so consider removing coverage from older vehicles. You can also raise the deductible to save money on collision insurance.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage pay for expenses for things like X-ray expenses, nursing services and EMT expenses. They are often used in conjunction with a health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants as well as being hit by a car walking across the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Affordable insurance is out there

Drivers switch companies for any number of reasons including questionable increases in premium, lack of trust in their agent, policy non-renewal or even not issuing a premium refund. Regardless of your reason for switching companies, finding a new insurance company is pretty simple and you could end up saving a buck or two.

While you’re price shopping online, never skimp on critical coverages to save a buck or two. There are a lot of situations where an insured dropped liability coverage limits and discovered at claim time that they should have had better coverage. The proper strategy is to buy the best coverage you can find at the best price, not the least amount of coverage.

Cheap 2011 Nissan Murano insurance can be purchased on the web and also from your neighborhood agents, and you should compare price quotes from both to have the best selection. Some companies may not provide online price quotes and most of the time these regional insurance providers sell through independent agents.

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