Lower Your 2004 Nissan Murano Insurance Rates

Looking for cheaper insurance rates for your Nissan Murano? Shopping for car insurance is not a process people fancy doing, but it’s a required process for every vehicle.

How to Compare Insurance Coverage Costs

When shopping for insurance coverage there are multiple ways of comparing price quotes from different insurance companies. By far the easiest way to find the lowest 2004 Nissan Murano rates involves getting comparison quotes online. This can be done using a couple different methods.

1. The best way to find low rates is an all-inclusive rate comparison like this one (opens in new window). This easy form eliminates the need for boring form submissions for every insurance coverage company. A single, simple form compares rates from several companies.It’s the quickest way to get rates.
2. A harder way to compare rate quotes requires you to visit each company’s website to request a price quote. For sake of this example, we’ll pretend you want comparison quotes from Liberty Mutual, Allstate and American Family. To find out each rate you need to take the time to go to each site and enter your policy data, and that’s why the first method is more popular. For a handy list of car insurance company links in your area, click here.
3. The hardest way to compare rates is to spend your day driving to different agent offices. The internet eliminates the need for an insurance agent unless you want the professional advice of a licensed agent. Drivers can price shop online and get advice from an agent in your area. We’ll cover that shortly.

It’s up to you which method you use, but ensure you are comparing apples-to-apples coverage limits on every quote. If you have higher or lower deductibles it will be impossible to find the best deal for your Nissan Murano. Slightly different coverage limits can make a big difference in price. And when comparing insurance coverage rates, know that comparing more company’s prices will increase your chances of finding the best price.

Tailor your coverage to you

When buying proper insurance coverage, there really is not a one size fits all plan. Everyone’s situation is a little different.

For instance, these questions may help highlight whether you may require specific advice.

• What is covered by UM/UIM coverage?
• I have health insurance so do I need medical payments coverage?
• What is medical payments coverage?
• Should I drop comprehensive coverage on older vehicles?
• What exactly is covered by my policy?
• What is high-risk coverage and where do I buy it?
• Are my tools covered if they get stolen from my vehicle?
• Am I covered when driving a rental car?
• Why am I required to buy liability insurance?
• Do I need to file an SR-22 for a DUI in my state?

If you’re not sure about those questions then you might want to talk to an agent. If you want to speak to an agent in your area, fill out this quick form.

Car insurance coverage considerations

Knowing the specifics of a car insurance policy aids in choosing the best coverages for your vehicles. The terms used in a policy can be confusing and reading a policy is terribly boring.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage gives you protection when other motorists do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your Nissan Murano.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Usually these coverages are set the same as your liablity limits.

Medical costs insurance

Medical payments and Personal Injury Protection insurance kick in for bills such as surgery, X-ray expenses and nursing services. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants and will also cover any family member struck as a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Collision coverage protection

Collision insurance will pay to fix damage to your Murano from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as colliding with another moving vehicle, hitting a mailbox, damaging your car on a curb, crashing into a ditch and sideswiping another vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Comprehensive or Other Than Collision

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

Comprehensive coverage pays for claims like damage from a tornado or hurricane, hitting a deer and a broken windshield. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for liability

This coverage protects you from injuries or damage you cause to people or other property that is your fault. This coverage protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as bail bonds, court costs, repair costs for stationary objects and attorney fees. How much liability should you purchase? That is a personal decision, but consider buying as high a limit as you can afford.