2012 Nissan Murano Car Insurance Quotes

Sick and tired of being strong-armed each month for car insurance? Your situation is no different than millions of other consumers.

Companies like State Farm, Allstate, GEICO and Progressive increase brand awareness with TV and radio ads and it can be hard to see through the cute green geckos and mayhem and effectively compare rates to find the best deal.

It’s important to check insurance prices every six months because prices are adjusted regularly by insurance companies. Just because you had the lowest price on Murano insurance last year you can probably find a better price now. Ignore everything you know about insurance because I’m going to let you in on the secrets to one of the best ways to find the best coverage while lowering your premiums.

Why your Nissan Murano might be costing you more

An important part of buying insurance is that you know the rating factors that help determine the price you pay for insurance coverage. Understanding what determines base rates allows you to make educated decisions that will entitle you to big savings.

The following are some of the factors companies use to determine prices.

  • Lower rates with optional equipment – Purchasing a vehicle that has an advanced theft prevention system can help bring down rates. Anti-theft devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping your vehicle from being stolen.
  • Pay less if you’re married – Being married actually saves money when buying insurance coverage. Having a spouse is viewed as being more mature than a single person and statistics show married drivers get in fewer accidents.
  • Extra coverages can waste money – There are quite a few extra coverages you can purchase on your Murano policy. Coverages like rental car reimbursement, better glass coverage and membership fees are some examples. These coverages may sound good when talking to your agent, but your needs may have changed so get rid of them and save.
  • Proper usage rating affects rates – Driving more miles in a year the more you’ll pay to insure your vehicle. Most companies rate vehicles based on their usage. Vehicles not used for work or commuting can get a lower rate compared to those used for work or business. Ask your agent if your insurance coverage coverage properly reflects the proper vehicle usage, because it can save money. Incorrect usage on your Murano can result in significantly higher rates.
  • High crash test scores lower rates – Vehicles with good safety scores are cheaper to insure. Safer cars reduce injuries and any reduction in injury severity translates into fewer and smaller insurance claims and lower rates for you. If your Nissan Murano earned at least four stars on Safercar.gov it is probably cheaper to insure.
  • Don’t skimp on liability – Liability insurance will protect you if you are found to be at fault for personal injury or accident damage. Liability provides legal defense coverage which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so do not skimp.
  • Older drivers save more – Mature drivers are viewed as being more responsible, tend to cause fewer accidents and tend to be better behind the wheel. Young drivers tend to be careless and easily distracted in a vehicle and because of this, their insurance coverage rates are much higher.
  • No coverage gaps is important – Letting your insurance expire will be a fast way to trigger a rate increase. Not only will rates go up, getting caught without coverage will get you a license revocation or jail time.You may then be required to submit proof of financial responsibility or a SR-22 with your state department of motor vehicles.

Lots of discounts mean lots of savings

Companies offering auto insurance don’t necessarily list every available discount very well, so we break down some of the more common and the more hidden discounts you could be receiving.

  • Anti-theft Discount – Anti-theft and alarm systems help deter theft and will save you 10% or more.
  • Organization Discounts – Belonging to certain professional organizations is a good way to get lower rates when buying auto insurance on Murano insurance.
  • Driver’s Ed – Cut your cost by having your teen driver successfully complete driver’s ed class if it’s offered in school.
  • Good Student Discount – Getting good grades can be rewarded with saving of up to 25%. This discount can apply up to age 25.
  • College Student – Youth drivers living away from home attending college and do not have access to a covered vehicle may be able to be covered for less.
  • Multiple Vehicles – Buying coverage for multiple vehicles on the same auto insurance policy qualifies for this discount.
  • Passive Restraints – Vehicles with factory air bags or motorized seat belts can receive discounts of more than 20%.

Keep in mind that some of the credits will not apply to the entire policy premium. Most cut individual premiums such as medical payments or collision. Just because you may think you could get a free auto insurance policy, you won’t be that lucky.

A partial list of companies that may have these benefits include:

Double check with every prospective company which discounts they offer. Some discounts may not be available in every state.

Situations that might require an agent

When buying the right insurance coverage, there really is no cookie cutter policy. Each situation is unique and your policy should reflect that. Here are some questions about coverages that can help discover if your insurance needs may require specific advice.

  • How can I force my company to pay a claim?
  • Does medical payments coverage apply to all occupants?
  • Am I covered when driving on a suspended license?
  • Why is insurance for a teen driver so high?
  • Should I bundle my homeowners policy with my auto?
  • Am I covered when using my vehicle for business?
  • What is the difference between comprehensive and collision coverage?
  • Do I need higher collision deductibles?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies.

Auto insurance coverages and their meanings

Understanding the coverages of auto insurance can help you determine the best coverages and the correct deductibles and limits. Auto insurance terms can be confusing and nobody wants to actually read their policy. These are the normal coverages found on the average auto insurance policy.

Coverage for uninsured or underinsured drivers

This gives you protection from other motorists when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your 2012 Nissan Murano.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Coverage for medical expenses

Coverage for medical payments and/or PIP kick in for bills for nursing services, ambulance fees, chiropractic care, pain medications and prosthetic devices. They are often utilized in addition to your health insurance plan or if you are not covered by health insurance. Coverage applies to you and your occupants and will also cover getting struck while a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Comprehensive auto insurance

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as damage from a tornado or hurricane, falling objects, fire damage and vandalism. The maximum payout your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability coverage

Liability insurance protects you from injuries or damage you cause to other people or property. It protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability can pay for claims such as attorney fees, repair costs for stationary objects, funeral expenses and court costs. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision protection

This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like damaging your car on a curb, crashing into a building and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to bring the cost down.

Smart consumers save more

We covered quite a bit of information on how to compare 2012 Nissan Murano insurance prices online. The key concept to understand is the more you quote, the better chance you’ll have of finding lower rates. Consumers may even find the lowest priced insurance comes from a small local company. Smaller companies often have lower prices on specific markets compared to the large companies like GEICO and State Farm.

Discount insurance can be sourced both online as well as from independent agents, and you need to price shop both so you have a total pricing picture. Some companies don’t offer you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.

To learn more, feel free to visit these articles: