View 2016 Nissan Murano Car Insurance Quotes

Trying to find cheaper insurance rates for your Nissan Murano? No car owner looks forward to paying for insurance, in particular when they could find lower prices if they just compared rates. Insurance companies such as State Farm, Farmers Insurance, Geico and Allstate continually hit you with catchy ads and it is challenging if not impossible to see through the deception and effectively compare rates to find the best deal.

It is always a good idea to compare rates yearly since rates tend to go up over time. Even if you think you had the best premium rates for Murano coverage a year ago there may be better deals available now. You’ll find a ton of advice on insurance online but in just a couple of minutes you can learn some tested techniques to reduce your insurance bill.

Learn how to buy auto insurance for less

Many factors are part of the equation when quoting car insurance. Some factors are common sense such as your driving record, although others are less obvious such as whether you are married or your financial responsibility.When buying auto insurance it’s important to understand some of the things that go into determining the level of your policy premiums. When you know what positively or negatively determines base rates, this enables you to make decisions that may result in better auto insurance rates.

Listed below are some of the most common factors utilized by car insurance companies to help set your premiums.

  • Increase coverage deductibles to save – The deductibles state the amount of money you are willing to pay if a covered claim is submitted. Physical damage protection, also known as collision and other-than-collision, covers damage that occurs to your car. Examples of some claims that would be covered could be rearending another vehicle, fire damage, and having a roll-over accident. The more you have to pay, the less your auto insurance will be for Murano coverage.
  • Bad credit will cost you – Credit rating factor in calculating your auto insurance rates. Drivers who have excellent credit tend to be more responsible than those with lower credit scores. If your credit rating could use some work, you could potentially save money when insuring your 2016 Nissan Murano by improving your credit score.
  • Pay more by driving carelessly – How you drive has a big impact on rates. Attentive drivers pay less for auto insurance as compared to careless drivers. Even one speeding ticket may cause rates to rise by as much as thirty percent. People who have dangerous tickets such as hit and run, DWI or reckless driving convictions may find they need to complete a SR-22 to the state department of motor vehicles in order to prevent a license revocation.
  • Lower miles equals lower premium – Driving more miles every year the more you’ll pay to insure your vehicle. Most insurance companies calculate rates based upon how much you drive. Autos that have low annual miles qualify for better rates compared to those used for work or business. Make sure your policy is rated on the proper vehicle usage. Having the wrong rating on your Murano may be costing you higher rates.
  • Men pay more for insurance – Over the last 30 years, statistics show women are more cautious behind the wheel. That doesn’t necessarily mean that men are WORSE drivers than women. Both genders tend to get into at-fault accidents at about the same rate, but men have accidents that have higher claims. They also get ticketed for serious violations like DWI (DUI) or reckless driving. Youthful male drivers are several times more likely to be in an accident so it costs more to insure them.

How to get free insurance quotes online

Performing a rate comparison can be a lot of work if you aren’t aware of the most efficient way to do it. You can spend countless hours talking to insurance companies in your area, or you can utilize online quotes to get prices fast.

Most of the larger companies participate in a marketplace that enables customers to enter their policy data once, and every company returns a competitive quote based on the submitted data. This saves time by eliminating quotation requests to each individual insurance company.

To find out how much you’re overpaying now click here to open in new window.

One minor caviat to using this type of system is that consumers can’t choose the companies to get pricing from. So if you prefer to choose from a list of companies to compare prices, we have a listing of insurance companies in your area. Click here for list of insurance companies.

It’s up to you how you get prices quotes, just be sure to compare identical coverage limits for every quote you compare. If your comparisons have differing limits then you won’t be able to make a fair comparison for your Nissan Murano.

Can you really save if you switch?

Consumers get pounded daily by advertisements that claim the best auto insurance rates by companies like 21st Century, Allstate and State Farm. All the companies convey the message that people will save if you just switch your policy.

That’s great but how can every company lower your auto insurance rates? It’s all in the numbers.

Most companies quote their cheapest rates for the right customer that earns them the highest profit. For example, a profitable insured could be between the ages of 30 and 45, carries high limits, and has great credit. A customer that fits those parameters is entitled to the best price and therefore will save when they switch companies.

Insureds who fall outside those standards will be charged higher premium rates and this can result in the customer not buying. The trick is to say “drivers that switch” not “everyone that quotes” save that kind of money. That’s why insurance companies can confidently advertise the way they do. This really emphasizes why you really need to compare as many free insurance coverage quotes as you can. Because without a comparison, you cannot know which company will have the lowest rates.

Take advantage of these discounts

Not many people think insurance is cheap, but there’s a good chance there are discounts to help bring down the price. Some discounts will apply when you quote, but a few need to be inquired about in order for you to get them.

  • Good Driver Discount – Drivers without accidents can pay as much as 50% less for Murano coverage compared to accident prone drivers.
  • Safety Restraint Discount – Buckling up and requiring all passengers to wear their seat belts can save up to 10 percent (depending on the company) on the premium charged for medical payments and/or PIP.
  • E-sign Discounts – A few larger online companies will discount your bill up to fifty bucks for buying your policy online.
  • Defensive Driver – Taking a defensive driver course could cut 5% off your bill and make you a better driver.
  • Braking Control Discount – Cars, trucks, and SUVs with anti-lock braking systems have fewer accidents and the ABS can save up to 10%.

Discounts lower rates, but some credits don’t apply to the entire policy premium. A few only apply to specific coverage prices like comp or med pay. Despite the fact that it seems like you could get a free auto insurance policy, you aren’t that lucky. Any amount of discount will reduce your overall bill.

Car insurance companies that may have most of the discounts above include:

If you need cheaper insurance coverage quotes, ask each company which discounts you qualify for. Depending on the company, some discounts might not apply in your area. If you would like to view auto insurance companies who offer cheap auto insurance quotes, click here.

Special considerations

When it comes to choosing coverage, there really is not a “best” method to buy coverage. Every situation is different so your insurance needs to address that. Here are some questions about coverages that might help in determining whether your personal situation might need an agent’s assistance.

  • What is roadside assistance coverage?
  • Am I covered when driving in Canada or Mexico?
  • Does insurance cover tools stolen from my truck?
  • How much liability insurance is required?
  • Do I have coverage when using my vehicle for my home business?
  • When does my teenage driver need to be added to my policy?
  • Can I get a multi-policy discount?
  • Are there companies who specialize in insuring high-risk drivers?
  • Is my babysitter covered when using my vehicle?

If you don’t know the answers to these questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies. It’s fast, free and can help protect your family.

Car insurance coverages for a Nissan Murano

Understanding the coverages of a auto insurance policy can help you determine which coverages you need and the correct deductibles and limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Below you’ll find the normal coverages available from auto insurance companies.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants and damage to your Nissan Murano.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Comprehensive (Other than Collision)

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against things like hail damage, theft, damage from flooding and damage from getting keyed. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical expense insurance

Medical payments and Personal Injury Protection insurance provide coverage for expenses such as hospital visits, pain medications, rehabilitation expenses and dental work. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Auto collision coverage

Collision coverage pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things such as colliding with another moving vehicle, rolling your car and colliding with a tree. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.


Liability insurance provides protection from damages or injuries you inflict on people or other property. It protects you against claims from other people. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against claims like emergency aid, medical expenses and attorney fees. How much liability coverage do you need? That is a decision to put some thought into, but buy as much as you can afford.

Save for a rainy day

We just covered a lot of tips how to get a better price on 2016 Nissan Murano insurance. The most important thing to understand is the more rate comparisons you have, the better chance you’ll have of finding low cost insurance coverage. You may even discover the best price on insurance is with an unexpected company. These companies may have significantly lower rates on certain market segments compared to the large companies like Progressive and Geico.

While you’re price shopping online, make sure you don’t reduce coverage to reduce premium. There have been many situations where someone sacrificed liability coverage limits and learned later that their decision to reduce coverage ended up costing them more. Your strategy should be to get the best coverage possible at the lowest possible cost while not skimping on critical coverages.

Affordable 2016 Nissan Murano insurance is possible online as well as from insurance agents, so you need to quote insurance coverage with both in order to have the best chance of saving money. A few companies may not have online price quotes and these smaller providers only sell through independent insurance agents.

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Comments About 2016 Nissan Murano Insurance

  1. Columbus Dixon

    I found pretty cheap rate quotes for a 2016 Nissan Murano in Honolulu, Hawaii. Ended up at about $330 every six months with Auto-Owners. They offer free online rate quotes.

  2. Porsche Stokes

    What does medical payments cover?

  3. Jerry Ross

    Cheaper not always better. Checking in from Miami, Florida. I got free quotes from Hanover, Auto-Owners, Sentry, and a couple others for my 2016 Nissan Murano and I’m now saving $38 a month. BTW speeding tickets are not good.

  4. Blanche Ochoa

    Will 21st Century give a discount for driver training?

  5. My Levine

    Compared rates with Progressive and AIG Insurance but still pricey.

  6. Kristian Wilkerson

    Are custom wheels covered by insurance?

  7. Zena Cervantes

    I’m in Albuquerque, New Mexico, and State Farm rates were affordable. I’m a pretty low risk driver.

  8. Ayako Nelson

    Cheapest quote for my 2016 Nissan Murano was with Farmers. I got prices on the web.

  9. Mickey Fox

    State Farm quoted the best rates in Delaware.

  10. Nakisha Dunn

    IT’S ALL TOO EXPENSIVE! I live just outside Grand Rapids, Michigan. Can’t remember who all I quoted but I ended up saving about $30 each month. I have kids on my policy, too.