2009 Nissan Murano Insurance Rates – 7 Tricks for Cheaper Quotes

Want lower car insurance rates for your Nissan Murano? Trying to find low-cost insurance for a Nissan Murano can turn out to be difficult, but you can learn the following methods to save time. There are both good and bad ways to shop for car insurance and you need to know the proper way to compare rates on a Nissan and obtain the lowest possible price either online or from local insurance agents.

If you have a current auto insurance policy or are just looking to switch companies, you will benefit by learning to find better prices while maximizing coverage. Shopping for affordable auto insurance coverage is simple if you know the tricks. Drivers only need to know the most efficient way to get comparison quotes online.

Cheap car insurance

Cutting your car insurance rates isn’t really that difficult. All you need to do is spend a little time to compare rate quotes online from several insurance companies. Insurance prices can be quoted in just a few minutes using one of these methods.

  • The most efficient way to get the best comparison quotes is to use a rate comparison form click to view form in new window. This form prevents you from having to do separate quotes for every car insurance company. A single form gets insurance cost estimates from all major companies. It’s definitely the quickest method.
  • A more time consuming way to analyze rates is spending the time to visit the website for every company you want to comare to complete a price quote. For example, let’s assume you want to compare Progressive, Liberty Mutual and GMAC. To do that, you would have to go to each individual site to enter the same coverage data repeatedly, which is why first method is reommended.

    For a list of companies in your area, click here.

You can choose any of those ways to find more affodable coverage, but ensure you’re using nearly identical coverage limits with each company. If each company quotes different coverage information it will be next to impossible to make a fair comparison for your Nissan Murano.

Truth in insurance coverage advertising

Consumers get pounded daily by advertisements for insurance coverage savings from the likes of GEICO, State Farm and Progressive. They all seem to advertise claims that people will save if you switch your coverage to them.

How does each company charge you a lower premium?

Many companies give the cheapest rates for a prospective insured that earns them a profit. A good example of a profitable insured could be a married male, has a clean driving record, and has excellent credit. A driver that fits those parameters will probably get the lowest rates and as a result will probably pay quite a bit less when switching companies.

Drivers who fall short of those criteria must pay a more expensive rate with the end result being business not being written. The ads say “people who switch” not “all people who quote” can get the lowest rates when switching. That’s the way companies can make claims like that. Because of the profiling, you absolutely need to compare rate quotes every year. Because you cannot predict which insurance companies will provide you with the cheapest rates.

Don’t overlook these seven insurance discounts

Some insurance providers do not list every disount available very well, so we break down some of the more common and also the lesser-known credits available to bring down your rates.

  • Data Collection Discounts – Insureds who allow their insurance company to scrutinize driving habits by using a small device installed in their vehicle like Allstate’s Drivewise might see lower rates if they have good driving habits.
  • Paperwork-free – A handful of larger companies will give you a small discount simply for signing on your computer.
  • Claim-Free Discount – Good drivers with no accidents are rewarded with significantly better rates on auto insurance quote compared to accident-prone drivers.
  • Discounts for Government Workers – Active or retired federal employment can earn a discount up to 10% on Murano coverage with select insurance companies.
  • Drivers Education – It’s a good idea to have your young drivers successfully complete driver’s ed class in high school.
  • Early Payment Discounts – By paying your entire bill at once rather than paying monthly you can avoid the installment charge.
  • Discount for Multiple Policies – If you have multiple policies and insure them both with the same insurance company you may save 10% to 20% off each policy.

As a disclaimer on discounts, most credits do not apply to the entire cost. Some only reduce specific coverage prices like collision or personal injury protection. So despite the fact that it appears all the discounts add up to a free policy, it just doesn’t work that way.

A list of insurance companies and the discounts they provide are included below.

  • GEICO policyholders can earn discounts including daytime running lights, seat belt use, military active duty, anti-lock brakes, and multi-vehicle.
  • Auto-Owners Insurance offers discounts for teen driver, multiple vehicles, safe vehicle, group or association, and paid in full.
  • American Family may include discounts for multi-vehicle, mySafetyValet, good driver, early bird, TimeAway discount, and defensive driver.
  • Esurance has discounts for good student, homeowner, defensive driver, anti-theft, claim free, online quote, and Pac-12 alumni.
  • Progressive has savings for continuous coverage, online quote discount, good student, multi-vehicle, and multi-policy.
  • State Farm may offer discounts for accident-free, safe vehicle, multiple autos, passive restraint, Steer Clear safe driver discount, anti-theft, and defensive driving training.
  • AAA includes discounts for good driver, anti-theft, good student, multi-policy, education and occupation, pay-in-full, and AAA membership discount.

When getting a coverage quote, ask every insurance company which discounts you qualify for. Some of the earlier mentioned discounts might not apply everywhere. If you would like to choose from a list of providers that offer multiple discounts, click here to view.

When to get professional advice

When choosing the right insurance coverage, there really is no perfect coverage plan. Each situation is unique.

Here are some questions about coverages that might help in determining whether your personal situation would benefit from an agent’s advice.

  • What discounts do I qualify for?
  • What should my uninsured motorist coverage limits be in my state?
  • Is my dog or cat covered if injured in an accident?
  • Am I covered if I wreck a rental car?
  • Is my camper covered by my car insurance policy?
  • Who is covered by my policy?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Where can I get insurance after a DUI in my state?

If you’re not sure about those questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form. It’s fast, doesn’t cost anything and may give you better protection.

Car insurance coverage information

Understanding the coverages of your policy can be of help when determining appropriate coverage for your vehicles. Auto insurance terms can be impossible to understand and nobody wants to actually read their policy.

Comprehensive coverages

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as theft, hitting a bird, hail damage and hitting a deer. The maximum payout your auto insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Uninsured and underinsured coverage

This protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries as well as damage to your 2009 Nissan Murano.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Coverage for medical payments

Med pay and PIP coverage reimburse you for immediate expenses for hospital visits, ambulance fees, doctor visits and EMT expenses. They can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Auto liability insurance

This coverage will cover damages or injuries you inflict on people or other property that is your fault. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 50/100/50 that translate to a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for things such as attorney fees, legal defense fees and medical expenses. How much coverage you buy is a decision to put some thought into, but buy as high a limit as you can afford.

Auto collision coverage

Collision insurance covers damage to your Murano resulting from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things like driving through your garage door, hitting a mailbox, sideswiping another vehicle and rolling your car. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Make a quick buck

People who switch companies do it for a number of reasons such as denial of a claim, being labeled a high risk driver, poor customer service or not issuing a premium refund. Regardless of your reason for switching companies, switching companies can be easier than you think.

When shopping online for car insurance, never reduce needed coverages to save money. Too many times, consumers will sacrifice liability limits or collision coverage only to regret at claim time that the small savings ended up costing them much more. Your focus should be to buy the best coverage you can find at the best price but still have enough coverage for asset protection.

A few companies may not offer rates over the internet and most of the time these regional insurance providers only sell through local independent agencies. Lower-priced 2009 Nissan Murano insurance can be sourced both online and from local insurance agents, so you should be comparing quotes from both to get a complete price analysis.

Additional information can be found at the links below