2013 Nissan Murano Car Insurance Quotes

Searching for lower car insurance rates for your Nissan Murano? Feel like you’re a prisoner to overpriced car insurance? Trust us, many consumers feel financially strained by their car insurance policy.

Drivers have so many insurance companies to pick from, and though it is a good thing to have a choice, it can be more difficult to find the lowest cost provider.

Insurance Coverage Comparison Rates

Shopping for lower insurance coverage rates can take time and effort if you aren’t aware of the fastest way to get free quotes. You could spend the better part of a day driving to agents in your area, or you can stay home and use the internet to quickly compare rates.

Many insurance companies are enrolled in a marketplace that allows shoppers to only type in their quote data once, and each company returns a competitive quote determined by their information. This eliminates the need for form submissions to each company.

To enter your information into the quoting system, click to open in new window.

The only downside to using this type of system is you are unable to specify the companies to receive prices from. So if you want to choose individual companies to compare, we put together a list of low cost insurance coverage companies in your area. Click to view list.

It doesn’t matter which method you choose, just make sure you use apples-to-apples coverages and limits with each company. If you use different deductibles it will be very difficult to find the best deal for your Nissan Murano. Just a small difference in coverage limits may cause a big price difference. And when quoting insurance coverage, remember that comparing a large number of companies provides better odds of finding the best offered rates.

Discounts are basically free money

Insuring your fleet can be pricey, but there are discounts available to reduce the price significantly. Most are applied when you quote, but a few need to be asked for prior to receiving the credit.

  • Organization Discounts – Being a member of certain professional organizations could qualify you for a break when shopping for insurance for Murano insurance.
  • Homeowners Pay Less – Being a homeowner can save you money because maintaining a house requires personal responsibility.
  • New Car Discount – Buying coverage on a new vehicle can cost up to 25% less compared to insuring an older model.
  • Discount for Swiching Early – Select companies give a discount for switching policies before your current policy expires. The savings is around 10%.
  • Safe Drivers – Drivers who avoid accidents may receive a discount up to 45% less for Murano insurance than their less cautious counterparts.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Nissan could qualify for discounted rates on garaged vehicles.
  • Passive Restraints – Factory air bags and/or automatic seat belt systems can qualify for discounts up to 30%.
  • Good Students Pay Less – Getting good grades can get you a discount of up to 25%. Earning this discount can benefit you until age 25.

Keep in mind that some of the credits will not apply to your bottom line cost. Some only apply to individual premiums such as collision or personal injury protection. So when it seems like you would end up receiving a 100% discount, it just doesn’t work that way. But all discounts will cut your premiums.

Car insurance companies that possibly offer these discounts are:

It’s a good idea to ask each insurance company which discounts you may be entitled to. All car insurance discounts may not apply everywhere.

Which insurance is the “right” coverage?

When it comes to buying the right insurance coverage for your vehicles, there really is not a perfect coverage plan. Every situation is different and a cookie cutter policy won’t apply. These are some specific questions might point out whether or not you might need an agent’s assistance.

  • Is borrowed equipment or tools covered if stolen or damaged?
  • Who is covered by my policy?
  • How can I get my company to pay me more for my totalled car?
  • What can I do if my company denied a claim?
  • Why am I required to buy high-risk coverage?
  • Does my insurance cover my expensive audio equipment?
  • Does my 2013 Nissan Murano need full coverage?
  • Is my camper covered by my car insurance policy?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Car insurance coverage specifics

Having a good grasp of a car insurance policy helps when choosing which coverages you need and proper limits and deductibles. Car insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverage types offered by car insurance companies.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like damage from a tornado or hurricane, hail damage, fire damage, damage from flooding and a broken windshield. The highest amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability

Liability insurance will cover damage or injury you incur to other’s property or people by causing an accident. This insurance protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Another option is one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for claims like legal defense fees, attorney fees and repair bills for other people’s vehicles. How much coverage you buy is a decision to put some thought into, but buy as high a limit as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your Nissan Murano.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Insurance for medical payments

Med pay and PIP coverage reimburse you for short-term medical expenses for things like X-ray expenses, nursing services and pain medications. They can be used in conjunction with a health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and may carry a deductible

Collision coverage protection

Collision coverage will pay to fix damage to your Murano from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like backing into a parked car, rolling your car, crashing into a ditch and hitting a parking meter. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.