2013 Nissan Murano CrossCabriolet Car Insurance Quotes

Trying to come up with a payment for overpriced insurance coverage can bleed your monthly budget and make it tough to pay other bills. Price shopping at each renewal is a smart way to tighten up your finances.

Because there are so many options when it comes to insurance coverage, it can be challenging to choose the most affordable insurance coverage provider.

Do you qualify for discounts?

Insurance can be prohibitively expensive, but you may qualify for discounts that can drop the cost substantially. Some trigger automatically when you get a quote, but less common discounts must be specifically requested before you will receive the discount.

  • Online Discount – Some of the larger companies will discount your bill up to fifty bucks shop car insurance on the internet.
  • Government Employee Discount – Federal government employees could cut as much as 10% off for Murano CrossCabriolet coverage but check with your company.
  • Seat Belts Save – Forcing all vehicle occupants to buckle up can save up to 15% on the premium charged for medical payments and/or PIP.
  • Professional Organizations – Having an affiliation with certain professional organizations could earn you a nice discount when shopping for auto insurance.
  • Driver’s Education for Students – It’s a good idea to have your young drivers sucessfully take a drivers education course as it can save substantially.
  • No Claim Discounts – Claim-free drivers have much lower rates compared to frequent claim filers.
  • Theft Deterent – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems help deter theft and can earn a small discount on your policy.
  • Senior Discount – Seniors may qualify for a discount up to 10% for Murano CrossCabriolet coverage.

Discounts lower rates, but most of the big mark downs will not be given to your bottom line cost. Some only reduce specific coverage prices like physical damage coverage or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, auto insurance companies aren’t that generous.

To see insurance companies who offer auto insurance discounts, click here.

How to compare auto insurance price quotes

There are several ways to shop for auto insurance, but there is one way that is more efficient than others. You can spend countless hours talking to local insurance agents in your area, or you could save time and use online quotes to get rate comparisons in just a few minutes.

Most car insurance companies enroll in a system that allows shoppers to complete one form, and each participating company can provide price quotes determined by their information. This eliminates the need for form submissions to every company. To participate in this free quote system, click to open in new window.

One minor caviat to comparing rates this way is that consumers can’t choose which insurance companies you want pricing from. If you would rather choose specific insurance companies to receive pricing from, we have assembled a list of low cost auto insurance companies in your area. Click here for list of insurance companies.

Which method you use is up to you, but try to use apples-to-apples coverages and limits for each quote you get. If your comparisons have higher or lower deductibles it will be nearly impossible to make an equal comparison.

Informed consumers can reduce insurance rates

Many things are part of the calculation when quoting car insurance. Most are fairly basic such as your driving history, but other criteria are not quite as obvious such as whether you are married or your commute time.

Listed below are a few of the things used by companies to determine your rate level.

  • Raise comp and collision deductibles and save – The deductibles you choose state the amount of money the insured will be required to pay if a covered claim is submitted. Insurance for physical damage to your car, also known as collision and other-than-collision, protects your car from damage. Some coverage claims are rearending another vehicle, animal collisions, and having a roll-over accident. The more expense you choose to pay out-of-pocket, the less your company will charge you for insurance for Murano CrossCabriolet coverage.
  • Expect high rates for teens – More experienced drivers are viewed as being more responsible, tend to file fewer claims and tend to be get fewer driving tickets.Inexperience drivers are proven to be inattentive and easily distracted behind the wheel so they pay higher insurance coverage rates.
  • Get hitched and get better rates – Being married can get you a discount when shopping for insurance coverage. Having a significant other usually means you are more mature and it’s statistically proven that married drivers tend to file fewer claims.
  • Do safer cars cost less to insure? – Cars with five star safety ratings cost less to insure. Vehicles engineered for safety reduce injuries and fewer serious injuries translates directly to fewer claims and thus lower rates. If your Nissan Murano CrossCabriolet has at least four stars on Safercar.gov you may pay a lower rate.
  • Annual mileage and car insurance prices – The more miles you rack up on your Nissan every year the more you will pay for insurance coverage. Almost all companies charge to insure your cars based on their usage. Cars and trucks that are left in the garage can get a lower rate as compared to vehicles used primarily for driving to work. Make sure your insurance coverage coverage properly reflects the right rating data. Incorrect rating for your Murano CrossCabriolet can cost quite a bit.
  • Which gender costs less? – Statistics demonstrate that men are more aggressive behind the wheel. It does not mean women are BETTER drivers than men. Men and women cause accidents at a similar rate, but males have accidents that have higher claims. They also get ticketed for serious violations like DUI and reckless driving.
  • No coverage gaps is important – Having a lapse in insurance coverage can be a guaranteed way to drive up your policy premiums. Not only will rates go up, failure to provide proof of insurance could earn you a steep fine or even jail time.
  • Eliminate incidental coverages – Insurance policies have a lot of additional coverages you can purchase when buying insurance coverage. Insurance for things like personal injury protection, death and dismemberment, and additional equipment coverage are probably not needed. You may think they are a good idea when deciding what coverages you need, but if you don’t need them eliminate the coverages to reduce your premium.

Don’t assume everyone needs the same auto insurance coverage

When it comes to choosing the best auto insurance coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Everyone’s situation is unique so your insurance should reflect that For example, these questions may help highlight whether your personal situation would benefit from an agent’s advice.

  • How can I force my company to pay a claim?
  • Where can I get insurance after a DUI in my state?
  • How do I file an SR-22 for a DUI in my state?
  • Am I covered when driving in Canada or Mexico?
  • Do I need rental car coverage?
  • Am I covered if hit by an uninsured driver?
  • Is there coverage for injuries to my pets?
  • Are all vehicle passengers covered by medical payments coverage?
  • Who is covered by my policy?
  • Are split liability limits better than a combined single limit?

If you can’t answer these questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area. It is quick, free and you can get the answers you need.

Insurance coverage specifics

Knowing the specifics of insurance helps when choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Below you’ll find typical coverages available from insurance companies.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Nissan Murano CrossCabriolet.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Normally these coverages do not exceed the liability coverage limits.

Liability

Liability insurance protects you from damage that occurs to other’s property or people in an accident. It protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 100/300/100 which means $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Some companies may use a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as pain and suffering, legal defense fees and medical expenses. The amount of liability coverage you purchase is a personal decision, but consider buying as much as you can afford.

Coverage for medical expenses

Coverage for medical payments and/or PIP pay for immediate expenses for EMT expenses, chiropractic care and pain medications. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers you and your occupants in addition to if you are hit as a while walking down the street. PIP is not universally available but can be used in place of medical payments coverage

Comprehensive insurance

This covers damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as damage from a tornado or hurricane, falling objects, theft and a tree branch falling on your vehicle. The most your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision coverage

Collision insurance will pay to fix damage to your Murano CrossCabriolet 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 can pay for things such as crashing into a building, rolling your car, scraping a guard rail and crashing into a ditch. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

In Summary

We’ve covered a lot of tips how to get a better price on 2013 Nissan Murano CrossCabriolet insurance. The key concept to understand is the more times you quote, the better your comparison will be. You may be surprised to find that the most savings is with the smaller companies. These companies can often insure niche markets at a lower cost as compared to the big name companies such as Progressive and Geico.

When shopping online for car insurance, it’s not a good idea to reduce needed coverages to save money. There have been many cases where drivers have reduced comprehensive coverage or liability limits to discover at claim time that it was a big mistake. The goal is to buy enough coverage for the lowest cost and still be able to protect your assets.

There are still a few companies who may not provide price quotes online regional insurance providers work with independent insurance agencies. Low-cost 2013 Nissan Murano CrossCabriolet insurance is definitely available online and from local agencies, so you should be comparing quotes from both in order to have the best price selection to choose from.

Additional information is available below:

Comments About 2013 Nissan Murano CrossCabriolet Insurance

  1. Chong Vaughn

    Does GEICO insure after a DUI?

  2. Nolan Marsh

    Hope my car insurance gets cheaper. Located in Worcester, Massachusetts. Received quotes with AIG Insurance, Safeco, and some smaller one I can’t remember the name of for my Nissan and am saving around $460 a year.

  3. Mamie Fox

    Are State Farm rates cheap in Georgia?

  4. Annalisa Ellison

    Live in the eastern part of Dallas, TX. I quoted with Allstate, American Family, Erie, and Hanover for my Murano CrossCabriolet and saved $459 a year. I think they have home insurance too.

  5. Leanora Hoffman

    21st Century is decent in Pittsburgh, Pennsylvania.

  6. Christoper Montgomery

    Will Progressive cancel my policy for a liability claim?

  7. Asha Rogers

    From south side of Davenport, Iowa. Quoted quotes with Western Auto Insurance, AAA, GMAC, and Mercury for my 2013 Nissan Murano CrossCabriolet and am saving around $530 a year. Ask about discounts. Wish I didn’t have to insure at all.

  8. Luna Malone

    Cheaper not always better. I live on the south side of Lexington, KY. Got car insurance prices from MetLife, Esurance, Allstate, and AIG Insurance for my Murano CrossCabriolet and I think I saved about $50 each month. BTW speeding tickets are not good. It’s still not cheap enough.

  9. Pam Tate

    I think I’m paying too much. From south side of Bridgeport, CT. Got quotes from American Family, Farmers, and Nationwide for my Murano CrossCabriolet and I think I cut my rates about $40 each month. I have kids on my policy, too.