Cheaper 2004 Nissan Murano Insurance Rates

Wish you could get a refund on an overpriced insurance policy? You’re preaching to the choir because many consumers are feeling buyer’s remorse and feel like there’s no way out.

Online insurance companies like State Farm, Farmers Insurance, Geico and Allstate constantly bombard you with fancy advertisements and it is challenging if not impossible to ignore the promise of big savings and do the work needed to find the best deal.

If you are paying for car insurance now, you stand a good chance to be able to save some money using this information. Finding the best rates is not that difficult. Nevertheless, drivers can benefit by having an understanding of the way companies price insurance differently and use this information to your advantage.

Why your insurance premiums might be higher

Many factors are used in the calculation when you get a price on insurance. Some are pretty understandable such as your driving record, but other factors are less obvious like your continuous coverage or your financial responsibility.The best way to find cheaper insurance is to take a look at some of the things that play a part in calculating your policy premiums. When consumers understand what determines base rates, this enables you to make decisions that may result in much lower annual insurance costs.

• Fewer miles means better rates – The higher the mileage driven annually the higher your rate. The majority of insurers charge to insure your cars based on their usage. Vehicles that are left in the garage can get a lower rate than vehicles that have high annual mileage. Double check that your insurance declarations sheet correctly shows the correct usage for each vehicle, because it can save money. Incorrect rating for your Murano is throwing money out the window.
• Do you need those extra coverages? – There are a lot of additional extra coverages that sound like a good idea at the time if you aren’t diligent. Things like replacement cost coverage, towing coverage, and Farm Bureau memberships may be wasting your money. These may sound like a good investment when deciding what coverages you need, but now you might not need them so remove them and pocket the money.
• Do safer cars cost less to insure? – Safer cars get lower rates. Highly rated vehicles reduce injuries and better occupant protection translates into savings for insurance companies which can result in lower premiums. If your Nissan Murano scored at minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you may pay a lower rate.
• Big cities mean more claims – Choosing to live in areas with lower population can save you money when buying insurance. Drivers in populated areas have to deal with more aggressive driving styles and more time behind the wheel. Fewer drivers and short commutes means reduced accidents as well as less vandalism and auto theft.
• Your age impacts your costs – More experienced drivers tend to be more responsible, are lower risk to insure and tend to be get fewer driving tickets.Inexperience drivers have been known to be more careless when at the wheel of a vehicle so they pay higher insurance rates.
• Save money by having multiple policies – Most larger companies apply a discount to people who consolidate policies with them such as combining an auto and homeowners policy. Even with this discount, you may still want to compare other company rates to guarantee you are still saving the most.

Free insurance quotes

There are a variety of methods you can shop for insurance and some are easier and takes less work. You can waste a lot of time talking to local insurance agents in your area, or you could use the web to accomplish the same thing much quicker.

Many companies belong to an insurance system where insurance shoppers submit one quote, and each company then gives them pricing based on that data. This saves time by eliminating repetitive form submissions for each company you want a rate for.

To compare rates now click here to start a free quote.

The only downside to using this type of form is that you can’t choose which insurance companies to get quotes from. So if you want to select individual companies to compare, we put together a list of insurance companies in your area. Click here to view list.

Which method you use is up to you, but try to keep identical coverages for every quote you compare. If you use mixed coverages it will be next to impossible to determine which rate is truly the best. Just a small difference in coverage limits can mean a large discrepancy in price. And when quoting insurance, remember that having more price comparisons helps you find lower pricing. Some smaller insurers to not give online quotes, so it’s recommended that you also compare quotes from them, too.

Do insurance coverage companies bend the truth?

Insurance coverage providers like State Farm and Allstate continually stream ads on TV and radio. They all advertise the message that you’ll save big if you get a free car insurance quote and switch to them. That’s great but how can every company charge you less for car insurance? This is the way they can do it.

All the different companies quote their best rates for the type of customer that will generate a profit. For instance, a profitable insured may be a married female, has a clean driving record, and insures a new vehicle. Any customer that fits those parameters will probably get the lowest car insurance rates and therefore will save a lot if they switch.

Potential insureds who do not meet this ideal profile will probably have to pay higher prices and business going elsewhere. The trick companies use is to say “people that switch” but not “all drivers who get quotes” save that kind of money. This is how insurance companies can make claims like that.

This illustrates why you should get car insurance quotes from several different companies. Because you cannot predict with any certainty which company will have the best car insurance rates.

Discounts for affordable auto insurance rates

Auto insurance is neither fun to buy or cheap, but you may find discounts that you may not even be aware of. Some discounts apply automatically when you purchase, but once in a while a discount must be inquired about before they will apply. If you don’t get every credit available, you could be paying more than you need to.

• Paperless Signup – A few larger online companies will discount your bill up to fifty bucks for signing up digitally online.
• New Car Discount – Buying a new car model may earn a small discount because newer models have to meet stringent safety requirements.
• Drivers Ed for Students – Teen drivers should take driver’s ed class in school or through a local driver safety program.
• No Accidents – Drivers with accident-free driving histories have much lower rates compared to drivers who are more careless.
• Defensive Driver Discounts – Taking part in a class that teaches defensive driver techniques can save you 5% or more and easily pay for the cost of the class.

Just know that most of the big mark downs will not be given to your bottom line cost. Most only reduce the price of certain insurance coverages like collision or personal injury protection. Just because you may think it’s possible to get free car insurance, companies don’t profit that way. Any qualifying discounts will lower the cost of coverage.

A list of auto insurance companies and their offered discounts are outlined below.

• State Farm may offer discounts for good student, defensive driving training, driver’s education, passive restraint, and anti-theft.
• Geico policyholders can earn discounts including military active duty, anti-theft, multi-vehicle, anti-lock brakes, membership and employees, and federal employee.
• Liberty Mutual may include discounts for new move discount, exclusive group savings, hybrid vehicle, multi-car, newly married, and preferred payment discount.
• The Hartford offers discounts including defensive driver, anti-theft, good student, vehicle fuel type, and driver training.
• MetLife discounts include accident-free, good driver, defensive driver, multi-policy, claim-free, good student
• Progressive may have discounts that include online signing, multi-policy, multi-vehicle, homeowner, and continuous coverage.

When comparing rates, check with every prospective company which discounts they offer. All car insurance discounts may not apply to policyholders in your area.

Tailor your insurance coverage to you

When it comes to choosing coverage for your vehicles, there isn’t really a cookie cutter policy. Every situation is different so your insurance needs to address that. These are some specific questions can aid in determining whether your personal situation would benefit from an agent’s advice.

• Why am I required to buy high-risk coverage?
• What is no-fault insurance?
• Does my insurance cover a custom paint job?
• Should I carry comprehensive and collision coverage?
• Are split liability limits better than a combined single limit?
• Do I have coverage when making deliveries for my home business?
• Is my dog or cat covered if injured in an accident?

If you’re not sure about those questions then you might want to talk to an agent. To find an agent in your area, fill out this quick form or click here for a list of insurance companies in your area.

Insurance coverage basics

Understanding the coverages of your insurance policy aids in choosing the right coverages for your vehicles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. These are typical coverages available from insurance companies.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for expenses like dental work, pain medications, chiropractic care and doctor visits. They are used in conjunction with a health insurance program or if you do not have health coverage. It covers both the driver and occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Auto liability

Liability insurance can cover damage or injury you incur to other people or property that is your fault. It protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Some companies may use a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as funeral expenses, loss of income, pain and suffering, medical expenses and attorney fees. The amount of liability coverage you purchase is a personal decision, but buy as much as you can afford.

Collision insurance

This coverage will pay to fix damage to your Murano from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as colliding with another moving vehicle, crashing into a ditch, backing into a parked car, rolling your car and hitting a mailbox. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Usually the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive coverage

This covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as damage from getting keyed, fire damage and a tree branch falling on your vehicle. The most a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Cheaper insurance is a realistic goal

Low-cost 2004 Nissan Murano insurance is available online as well as from insurance agents, and you should compare rates from both to have the best rate selection. Some insurance companies do not offer price quotes online and these small, regional companies work with local independent agents.

When getting car insurance quotes online, make sure you don’t reduce needed coverages to save money. In many cases, someone sacrificed uninsured motorist or liability limits and discovered at claim time they didn’t purchase enough coverage. The ultimate goal is to buy enough coverage for the lowest price.

More tips and info about insurance can be found by following these links:

• Driving in Bad Weather (Insurance Information Insitute)
• Distracted Driving Extends Beyond Texting (State Farm)
• Keeping Children Safe in Crashes Video (iihs.org)
• Bodily Injury Coverage (Liberty Mutual)
• Senior Drivers (Insurance Information Insitute)
• Credit and Insurance Scores (Insurance Information Insitute)