View 2014 Nissan Murano Insurance Quotes

Want the cheapest insurance rates for your Nissan Murano? Sick and tired of paying out the nose to pay your car insurance bill each month? You are no different than most other car owners.

Multiple insurance companies compete for your hard-earned dollar, so it’s not easy to compare every insurance company and uncover the absolute lowest cost out there.

Take discounts and save

Insurance can be prohibitively expensive, but discounts can save money and there are some available to help offset the cost. Certain discounts will be applied when you get a quote, but some must be requested specifically prior to getting the savings.

  • Life Insurance – Some companies give a break if you buy life insurance from them.
  • Accident Free – Good drivers with no accidents can earn big discounts when compared to frequent claim filers.
  • Passive Restraint Discount – Cars that have air bags can receive discounts of more than 20%.
  • Accident Waiver – A handful of insurance companies permit an accident before raising your premiums as long as you don’t have any claims prior to the accident.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control can avoid accidents and therefore earn up to a 10% discount.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to wear their seat belts could cut 10% or more on the medical payments or PIP coverage costs.
  • Drive Less and Save – Keeping the miles down on your Nissan could be rewarded with discounted rates on garaged vehicles.
  • Discount for Swiching Early – A few companies offer discounts for switching policies before your current expiration date. The savings is around 10%.
  • Own a Home – Owning a house may earn you a small savings due to the fact that maintaining a home demonstrates responsibility.

Consumers should know that most discount credits are not given to the overall cost of the policy. Most cut specific coverage prices like comp or med pay. Even though it may seem like it’s possible to get free car insurance, companies don’t profit that way. But all discounts will cut the cost of coverage.

Car insurance companies that may offer these benefits may include but are not limited to:

It’s a good idea to ask each company what discounts are available to you. Some discounts may not apply in every state.

Which policy gives me the best coverage?

When buying proper insurance coverage for your vehicles, there is no cookie cutter policy. Coverage needs to be tailored to your specific needs so your insurance needs to address that. These are some specific questions may help highlight if your situation might need an agent’s assistance.

  • Do I need medical payments coverage since I have good health insurance?
  • Do I get a pro-rated refund if I cancel my policy early?
  • How much liability coverage do I need in my state?
  • Do I have coverage when pulling a U-Haul trailer?
  • Does insurance cover damages from a DUI accident?
  • Can I pay claims out-of-pocket if I buy high deductibles?

If it’s difficult to answer those questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area.

Car insurance specifics

Knowing the specifics of your car insurance policy can be of help when determining appropriate coverage for your vehicles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverages offered by car insurance companies.

Coverage for medical expenses

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses such as funeral costs, rehabilitation expenses, X-ray expenses, dental work and EMT expenses. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers you and your occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Liability auto insurance

Liability coverage protects you from damage or injury you incur to people or other property by causing an accident. This coverage protects you against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 100/300/100 which means a limit of $100,000 per injured person, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for claims like loss of income, bail bonds and pain and suffering. How much liability should you purchase? That is up to you, but buy as large an amount as possible.

Auto collision coverage

This coverage will pay to fix damage to your Murano caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like hitting a mailbox, hitting a parking meter, driving through your garage door and crashing into a building. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle when other motorists do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your Nissan Murano.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Comprehensive car insurance

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like hitting a deer, rock chips in glass, damage from a tornado or hurricane and a broken windshield. The most you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Quote more, save more

When trying to cut insurance costs, don’t be tempted to skimp on coverage in order to save money. There have been many situations where consumers will sacrifice liability coverage limits only to discover later that the small savings ended up costing them much more. Your strategy should be to purchase plenty of coverage at the best price.

Lower-priced 2014 Nissan Murano insurance is available both online and also from your neighborhood agents, so you should compare both to have the best chance of lowering rates. Some insurance providers may not provide online quoting and these small, regional companies work with independent agents.

We just covered quite a bit of information on how to get a better price on insurance. The most important thing to understand is the more companies you get rates for, the better likelihood of reducing your rate. You may be surprised to find that the lowest rates come from some of the smallest insurance companies. These smaller insurers can often provide lower rates in certain areas as compared to the big name companies such as State Farm, Geico and Nationwide.

To read more, link through to the following helpful articles: