2013 Nissan Murano Insurance Rates

Consumers have a choice when looking for low-cost Nissan Murano insurance. They can either waste time contacting agents getting price quotes or use the internet to make rate comparisons. There are both good and bad ways to buy insurance coverage so you’re going to learn the quickest way to quote coverages for a new or used Nissan and find the best price possible either online or from local insurance agents.

It’s a great practice to compare prices before your next renewal because rates change quite often. Even if you got the best deal for Murano insurance a couple years back you can probably find a better price now. There is a lot of bad information regarding insurance coverage online, but in this article, you’re going to get some guaranteed methods to find cheap insurance coverage.

Buying car insurance is quite easy. If you currently have a car insurance policy, you will most likely be able to reduce your rates substantially using this strategy. Drivers only need to know the proper methods to buy car insurance online.

Learn how to find insurance cheaper

It’s important that you understand the rating factors that play a part in calculating the level of your policy premiums. If you have a feel for what impacts premium levels, this helps enable you to make changes that can earn you better insurance rates. Many different elements are part of the equation when premium rates are determined. Some are pretty understandable like a motor vehicle report, but some are less apparent such as your marital status or your financial responsibility.

  • Teenagers are high risk – Youthful drivers have a tendency to be inattentive and easily distracted when driving with friends so they pay higher insurance rates. If you’ve ever had to add a inexperienced driver to your policy can cause a big jump in price. More experienced drivers are more responsible, tend to cause fewer accidents and are safer drivers.
  • Cars with good safety ratings mean better premiums – Vehicles with good safety scores tend to be cheaper to insure. Vehicles engineered for safety have better occupant injury protection and lower injury rates means less claims paid which can mean better rates for you.
  • Do you really need the extra coverages? – There are a ton of extra bells and whistles that may not really be needed when buying insurance. Coverage for things like personal injury protection, towing coverage, and extra equipment coverage are probably not needed. These may sound like a good investment when talking to your agent, but now you might not need them so get rid of them and save.
  • Gals tend to cost less – Statistics have proven that women are safer drivers than men. However, this does not mean females are better drivers. Men and women cause auto accidents at a similar rate, but guys cause more damage. Not only are claims higher, but men get ticketed for serious violations such as DWI and reckless driving.
  • Premiums increase with driving tickets – Good drivers pay less for auto insurance as compared to those with violations. Having just one citation can boost insurance rates by as much as thirty percent. Drivers with severe citations such as DUI or reckless driving may need to submit a SR-22 or proof of financial responsibility with their state in order to legally drive a vehicle.

More discounts mean lower-cost premiums

Buying insurance is not cheap, but there could be significant discounts to cut the cost considerably. Certain discounts will be triggered automatically when you get a quote, but some need to be manually applied in order for you to get them.

  • Air Bags and Passive Restraints – Vehicles with factory air bags may get savings up to 30%.
  • Anti-theft System – Cars and trucks with anti-theft systems are stolen with less frequency and therefore earn up to a 10% discount.
  • Accident Waiver – This isn’t a discount exactly, but certain companies will allow you to have one accident without the usual rate increase so long as you are claim-free prior to the accident.
  • Drivers Education – Require your teen driver to enroll and complete driver’s education in school or through a local driver safety program.
  • Good Driver Discount – Drivers who avoid accidents could pay up to 40% less for Murano insurance than less cautious drivers.
  • Include Life Insurance and Save – If the company offers life insurance, you could get a break if you buy some life insurance in addition to your auto policy.
  • Homeowners Pay Less – Just being a homeowner may trigger a policy discount on insurance because it shows financial diligence.
  • Paper-free Discount – Some larger companies give back up to $50 for buying your policy on the internet.
  • Driver Safety – Completing a defensive driving course could cut 5% off your bill and easily pay for the cost of the class.
  • Sign Early and Save – Some larger companies provide a discount for buying a new policy prior to your current policy expiring. The savings is around 10%.

It’s important to note that most credits do not apply to all coverage premiums. The majority will only reduce individual premiums such as comp or med pay. So even though they make it sound like you can get free auto insurance, you aren’t that lucky.

A few popular companies and a summarized list of policyholder discounts include:

  • Progressive discounts include online quote discount, online signing, homeowner, good student, continuous coverage, multi-vehicle, and multi-policy.
  • Geico may include discounts for anti-lock brakes, multi-policy, driver training, membership and employees, anti-theft, and five-year accident-free.
  • State Farm offers discounts for good driver, multiple autos, accident-free, Drive Safe & Save, defensive driving training, passive restraint, and student away at school.
  • Esurance may have discounts that include renters, online quote, online shopper, anti-theft, multi-car, safety device, and good student.
  • The Hartford has discounts for driver training, anti-theft, air bag, defensive driver, and good student.

Before you buy a policy, ask every company which discounts they offer. Some of the discounts discussed earlier might not be available to policyholders in your area. To see a list of insurance companies with discount rates, click here.

It’s not one size fits all

When buying coverage for your personal vehicles, there really is no “perfect” insurance plan. Everyone’s needs are different.

For example, these questions can aid in determining if your situation may require specific advice.

  • Is my trailer covered?
  • Do I need PIP coverage since I have good health insurance?
  • Do I need replacement cost coverage on my 2013 Nissan Murano?
  • Does car insurance cover theft of personal property?
  • Am I getting all the discounts available?
  • When does my teenage driver need to be added to my policy?
  • Is my vehicle covered by my employer’s policy when using it for work?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an agent. To find lower rates from a local agent, complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Auto insurance coverages

Knowing the specifics of your policy can help you determine appropriate coverage for your vehicles. The terms used in a policy can be confusing and coverage can change by endorsement.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance kick in for immediate expenses for ambulance fees, nursing services and prosthetic devices. They can be utilized in addition to your health insurance policy or if you do not have health coverage. They cover you and your occupants and will also cover if you are hit as a while walking down the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured and underinsured coverage

This protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your 2013 Nissan Murano.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Comprehensive coverages

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like damage from getting keyed, a tree branch falling on your vehicle, rock chips in glass, vandalism and hitting a deer. The most your auto insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Coverage for collisions

This covers damage to your Murano caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as driving through your garage door, colliding with a tree and rolling your car. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to bring the cost down.

Liability auto insurance

This will cover damage that occurs to a person or their property. It protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 25/50/25 that translate to $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for claims such as emergency aid, bail bonds and repair bills for other people’s vehicles. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Final thoughts

Budget-friendly auto insurance can be purchased online as well as from insurance agents, and you need to price shop both in order to have the best chance of saving money. There are still a few companies who do not provide online price quotes and these smaller providers only sell through independent agencies.

Insureds change insurance companies for many reasons like delays in paying claims, high prices, questionable increases in premium and not issuing a premium refund. It doesn’t matter why you want to switch switching companies can be easy and end up saving you some money.

You just learned a lot of ways to reduce 2013 Nissan Murano insurance prices online. The most important thing to understand is the more quotes you get, the higher the chance of saving money. Consumers may even find the biggest savings come from some of the lesser-known companies.

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Comments About 2013 Nissan Murano Insurance

  1. Carlene Mccall

    I live just to the east of Rockford, IL. Quoted quotes with Amica, Mercury, and USAA for my 2013 Nissan Murano and I’m now saving $45 a month. It never hurts to quote around.

  2. Jeanice Bentley

    Will GEICO do a SR22 in West Virginia?

  3. Ellamae Buchanan

    I went with State Farm at renewal. Best rates in New York City, NY. Insured with AAA before. Hopefully won’t need it.

  4. Ward Alford

    If you have a clean record and live in the vicinity of Jersey City, New Jersey, check out Progressive. They seem to be cheaper. Was with Western Auto Insurance. I have a couple other vehicles on the policy. I got a quote from their website.

  5. Lai Townsend

    I live just outside Newark, DE. Got quotes with Travelers, AIG Insurance, GMAC, and Mercury for my Murano and I think I am saving around $30 each month.

  6. Trisha Nichols

    If you don’t have tickets and live around Columbus, OH, check out 21st Century. You might save some money. Not sure if rates are cheaper online or through an agent.

  7. Madison Spencer

    I’ve insured with State Farm for a long time. Pretty cheap in Parkersburg, West Virginia.

  8. Nathanael Miles

    Is Allstate cheaper than Progressive in Kailua, HI?

  9. Jalisa Webb

    It all costs too much. I’m in the south part of San Diego, CA. Quoted quotes with AIG Insurance, Encompass, and Mercury for my Nissan and I think I saved around $40 each month. Insured with Liberty Mutual before. Thankfully I have a good driving record. I got prices on the web.

  10. Jay Maynard

    Affordable car insurance is a myth. I’m from Rapid City, South Dakota. Got quotes with Safeco, Farmers, Progressive, and AIG Insurance for my Nissan and cut my rates about $140 a year. Just waiting to see how claims go.

  11. China Chase

    Cheaper car insurance is a myth. Live in Huntington, West Virginia. Got car insurance quotes with Progressive, American Family, Encompass, and Liberty Mutual for my 2013 Nissan Murano and saved just over $440 a year. I have kids on my policy, too.

  12. Ginette Bray

    Any GEICO or Eastwood customers near Boston, Massachusetts?

  13. Kellie Cross

    If you have a clean record and live around Eugene, OR, check out Allstate. They seem to be cheaper. It’s still not cheap enough.

  14. Kelvin Mooney

    Nice post. I’m in the north part of New Orleans, LA. I got free quotes with Western Auto Insurance, Auto-Owners, Hanover, and Safeco for my Nissan and saved just over $100 a year. Left Sentry to switch. Did it all online.

  15. Alycia Mccoy

    I was with GMAC last year but switched to GEICO. I live just to the south of Idaho Falls, Idaho.

  16. Nereida Meadows

    It’s all a rip off. From a town just southwest of Davenport, IA. Quoted with State Farm, Amica, and some I forget for my 2013 Nissan Murano and I think I saved around $40 each month. Was with Encompass.

  17. Kerrie Frazier

    IMHO Warren, MI seems to have good rates from GEICO.