Lower Your 2009 Nissan Murano Car Insurance Quotes

If you are new to online car insurance, most likely you are baffled by the vast number of online car insurance companies and websites all advertising big savings.

It’s a good idea to get comparison quotes before your policy renews due to the fact that insurance prices are constantly changing. Even if you think you had the best price on Murano coverage at your last renewal you will most likely find a better rate quote today. Ignore everything you know about car insurance because you’re going to get a crash course in one of the easiest ways to find lower rates on car insurance.

Quote insurance online

Comparing insurance rates can be challenging if you don’t utilize the best way to get rate quotes. You can waste a few hours (or days) talking to local insurance agents in your area, or you could use the internet to accomplish the same thing much quicker.

Many popular insurance companies belong to an insurance system where prospective buyers submit their information once, and at least one company returns a rated price based on the submitted data. This system prevents you from having to do quotation requests for each company you want a rate for.

To enter your information into the quoting system, click here (opens in new window).

One minor caviat to using this type of system is you can’t choose which companies to get pricing from. So if you prefer to pick specific providers for rate comparison, we put together a list of insurance companies in your area. Click here to view list.

Whichever way you choose to compare rates, ensure you are comparing apples-to-apples coverages and limits on every quote you get. If you are comparing different coverage information you can’t possibly determine which rate is truly the best. Just slight variations in coverages could throw off the whole comparison. It’s important to know that comparing a wide range of rates helps locate the best rates.

Are you falling for claims of savings?

Auto insurance providers like Allstate and Progressive consistently run television, radio, and online ads. All the companies make the point that drivers can save some big amount if you just switch to them. How is it plausible that every one can lower your prices? This is the way they can do it.

Many companies are able to cherry pick for the type of customer that is profitable for them. For instance, a profitable insured might be a married male, has no claims, and drives a safe vehicle. Anybody who matches that profile will probably get cheap premium rates and will probably save some money.

Potential insureds who are not a match for the ideal profile may receive a higher rate which translates to the customer buying from someone else. The ads state “people that switch” but not “all drivers who get quotes” save that much money. This is how companies can make those statements.

Each company has different criteria, so drivers should get insurance coverage quotes as often as possible. It’s impossible to know which auto insurance company will fit your personal profile best.

How to lower your insurance rates

Many things are considered when pricing auto insurance. Some factors are common sense like an MVR report, but others are more obscure such as whether you are married or your financial responsibility.

• Can a thief steal your car? – Owning a car with advanced anti-theft systems can save you a little every year. Theft prevention features like OnStar, LoJack tracking, and tamper alarms can thwart car theft and help bring rates down.
• Lower rates come with age – Inexperience drivers are proven to be easily distracted when driving with friends so they pay higher car insurance rates. Having to add a beginning driver onto your car insurance can break the bank. Older drivers have been proven to be more responsible, cost insurance companies less in claims and are safer drivers.
• Don’t skimp on liability coverage – Liability coverage will provide protection if ever you are found liable for causing damage or personal injury in an accident. Liability insurance provides you with a defense in court which can cost thousands of dollars. This coverage is very inexpensive compared to comp and collision, so drivers should buy more than the minimum limits required by law.
• Put fewer miles on your vehicle – The more you drive your Nissan annually the higher your rates will be. Most insurance companies calculate prices based on their usage. Vehicles that sit idle most of the time receive better premium rates than cars that get driven a lot. Having an incorrect usage rating on your Murano may be wasting your money. It’s a good idea to make sure your car insurance policy is rated on the right rating data, because improper ratings can cost you money.
• A good credit score can save money – Having a good credit rating is a large factor in calculating your premium rate. Therefore, if your credit rating could use some work, you could be paying less to insure your 2009 Nissan Murano if you clean up your credit. Drivers who have high credit ratings tend to be less risk to insure than those with poor credit scores.
• Being married is a bonus – Having a spouse may cut your premiums on your policy. Marriage is viewed as being more stable financially and statistics prove being married results in fewer claims.
• Women tend to take less risk – Over time, data shows females are less aggressive when driving. However, don’t assume that females are better at driving than males. Males and females get in fender benders in similar numbers, but men tend to have more serious accidents. They also receive more costly citations like reckless driving and DUI.

Car insurance policy discounts

Some providers don’t necessarily list every disount available very clearly, so the next list breaks down some of the best known in addition to some of the lesser obvious credits available to lower your premiums when you buy insurance coverage online.

• Auto/Home Discount – If you combine your auto and homeowners policies with the same company you could save over 10 percent off each policy depending on the company.
• Good Driver Discount – Insureds without accidents may receive a discount up to 45% on Murano coverage as compared to drivers with claims.
• Save with More Vehicles Insured – Drivers who insure multiple vehicles on one policy can get a discount for every vehicle.
• ABS and Traction Control Discounts – Vehicles with anti-lock braking systems are much safer to drive and will save you 10% or more.
• Savings for New Vehicles – Buying a new car instead of a used car can get you a discount since newer vehicles have better safety ratings.

As a sidenote, some of the credits will not apply to the entire policy premium. Most only reduce specific coverage prices like comp or med pay. So when the math indicates all those discounts means the company will pay you, that’s just not realistic. But all discounts should help reduce the premium cost.

If you would like to see a list of providers that offer discounts, click here to view.

How do I know if I need professional advice?

When buying the right insurance coverage for your personal vehicles, there is no cookie cutter policy. Each situation is unique.

For example, these questions might help in determining whether you might need professional guidance.

• Does my policy cover me when driving someone else’s vehicle?
• I have health insurance so do I need medical payments coverage?
• How does medical payments coverage work?
• Do I benefit by insuring my home with the same company?
• When does my teenage driver need to be added to my policy?
• Is my cargo covered for damage or theft?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Car insurance coverages for a 2009 Nissan Murano

Having a good grasp of your insurance policy helps when choosing the right coverages and the correct deductibles and limits. Policy terminology can be ambiguous and nobody wants to actually read their policy.

Coverage for medical expenses

Coverage for medical payments and/or PIP kick in for short-term medical expenses for things like surgery, dental work, doctor visits and prosthetic devices. The coverages can be utilized in addition to your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Collision protection

This coverage pays for damage to your Murano resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as backing into a parked car, sideswiping another vehicle, colliding with another moving vehicle, rolling your car and hitting a parking meter. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to get cheaper collision coverage.

Comprehensive insurance

This coverage covers 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 protects against claims like hitting a bird, falling objects and damage from a tornado or hurricane. The maximum amount a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries and also any damage incurred to your Nissan Murano.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Frequently the UM/UIM limits are set the same as your liablity limits.

Liability coverages

Liability insurance will cover damage that occurs to other’s property or people that is your fault. It protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 25/50/25 that means you have $25,000 bodily injury coverage, $50,000 for the entire accident, and property damage coverage for $25,000. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability can pay for claims such as court costs, emergency aid and pain and suffering. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Quote often and quote early

We just covered many ideas to compare 2009 Nissan Murano insurance car insurance rates online. It’s most important to understand that the more rate comparisons you have, the higher the chance of saving money. You may be surprised to find that the biggest savings come from the smaller companies.

Insureds leave their current company for any number of reasons including high prices, unfair underwriting practices, questionable increases in premium or policy cancellation. Regardless of your reason for switching companies, choosing a new company is less work than it seems.

Low-cost 2009 Nissan Murano insurance is definitely available both online and with local insurance agents, and you need to price shop both to get a complete price analysis. There are still a few companies who may not have online rate quotes and most of the time these smaller providers only sell coverage through independent agents.

To read more, feel free to visit the articles below:

• Teen Driving Statistics (iihs.org)
• Liability Insurance Coverage (Nationwide)
• Determing Auto Insurance Rates (Geico)
• Teen Driving and Texting (State Farm)