Save on 2014 Nissan Murano Insurance Cost

Want cheaper auto insurance rates for your Nissan Murano? People who are new to price shopping insurance online might discover shopping for the lowest-priced auto insurance very challenging.

Consumers should take time to take a look at other company’s rates before your policy renews because insurance rates are constantly changing. If you had the lowest price for Murano insurance a year ago you may be paying too much now. Forget all the misinformation about auto insurance because I’m going to let you in on the secrets to the easiest way to find the best coverage while lowering your premiums.

The best way we recommend to compare policy rates utilizes the fact most larger insurance companies participate in online systems to give free rates quotes. The only thing you need to do is take a few minutes to give details such as coverage limits, if you lease or own, your job, and your education level. Your rating data is automatically sent to many highly-rated insurers and they return cost estimate very quickly.

Do you qualify for a discount?

Auto insurance companies don’t always advertise every discount very clearly, so the following is a list of both well-publicized and the harder-to-find ways to save on insurance coverage.

• Payment Discounts – By paying your policy upfront instead of making monthly payments you could save 5% or more.
• New Vehicle Savings – Buying coverage on a new vehicle can be considerably cheaper compared to insuring an older model.
• Theft Prevention System – Vehicles with anti-theft systems are stolen less frequently and earn discounts up to 10%.
• No Accidents – Good drivers with no accidents pay much less when compared to drivers who are more careless.
• Seat Belt Usage – Drivers who require all occupants to use a seat belt could save 15% off the personal injury premium cost.

Keep in mind that most credits do not apply the the whole policy. Most only reduce specific coverage prices like liability, collision or medical payments. So when the math indicates you could get a free insurance coverage policy, you’re out of luck.

To see a list of insurers with discount insurance coverage rates, click here.

What coverages do I need?

When choosing coverage for your vehicles, there isn’t really a “best” method to buy coverage. Everyone’s situation is unique.

These are some specific questions may help highlight whether you would benefit from professional advice.

• Does my 2014 Nissan Murano qualify for pleasure use?
• Do all my vehicles need collision coverage?
• Am I covered by my spouse’s policy after a separation?
• How many claims can I have before being cancelled?
• Why do I need rental car insurance?
• Am I covered when pulling a rental trailer?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to an agent. To find an agent in your area, fill out this quick form.

Insurance coverage specifics

Learning about specific coverages of a insurance policy can help you determine appropriate coverage and proper limits and deductibles. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Nissan Murano.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Coverage for collisions

Collision insurance covers damage to your Murano resulting from a collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like crashing into a ditch, sideswiping another vehicle, sustaining damage from a pot hole, hitting a parking meter and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Liability insurance

This coverage provides protection from injuries or damage you cause to people or other property that is your fault. This coverage protects you against other people’s claims. Liability 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. Your policy might show values of 100/300/100 that translate to a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability insurance covers claims such as funeral expenses, court costs, pain and suffering, legal defense fees and loss of income. How much liability should you purchase? That is a personal decision, but you should buy as large an amount as possible.

Comprehensive insurance

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as a tree branch falling on your vehicle, hail damage and fire damage. The maximum amount your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage reimburse you for bills for things like EMT expenses, doctor visits and dental work. They are often used in conjunction with a health insurance program or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay