2014 Nissan Murano CrossCabriolet Insurance Quotes – 7 Ways to Save

No normal person looks forward to buying insurance coverage, particularly when they could find better prices if they shop around.

Insurance companies such as Allstate, Progressive and GEICO constantly bombard you with fancy advertisements and consumers find it hard to separate fact from fiction and find the best price available.

Get cheaper rates with these seven discounts

Some companies do not advertise all disounts very well, so we took the time to find a few of the more common and the more hidden discounts that you can inquire about if you buy insurance online. If you do not double check each discount available, you are just wasting money.

  • Senior Citizen Rates – Drivers that qualify as senior citizens could receive a slight reduction on a insurance quote for Murano CrossCabriolet coverage.
  • Student in College – Any of your kids who are enrolled in a college that is more than 100 miles from home and don’t have a car may be able to be covered for less.
  • Life Insurance Discount – Larger companies have a small discount if you purchase a life insurance policy as well.
  • Early Signing – A few insurance coverage companies offer discounts for switching to them before your current expiration date. It’s a savings of about 10%.
  • Discounts for Government Workers – Federal government employees could provide a small rate reduction for Murano CrossCabriolet coverage but check with your company.
  • Safety Restraint Discount – Requiring all passengers to buckle their seat belts could cut 10% or more on the premium charged for medical payments and/or PIP.
  • Discount for Multiple Policies – When you combine your auto and homeowners insurance and place coverage with the same company you may save at least 10% off all policies.

It’s important to understand that most discounts do not apply to your bottom line cost. Most only cut the cost of specific coverages such as liability, collision or medical payments. Even though it may seem like having all the discounts means you get insurance for free, it doesn’t quite work that way.

To choose companies who offer online insurance coverage quotes, click here.

What is the best auto insurance coverage?

When choosing coverage, there is no best way to insure your cars. Everyone’s needs are different and a cookie cutter policy won’t apply. Here are some questions about coverages that may help you determine whether your personal situation may require specific advice.

  • What if I don’t agree with a claim settlement offer?
  • Is my state a no-fault state?
  • Is my dog or cat covered if injured in an accident?
  • What is roadside assistance coverage?
  • How high should my medical payments coverage be?
  • Does my policy pay for OEM or aftermarket parts?
  • Should I have a commercial auto policy?
  • Is my nanny covered when driving my vehicle?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Is pleasure use cheaper than using my 2014 Nissan Murano CrossCabriolet to commute?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier

The insurance bait and switch

Popular insurance providers such as Allstate and Progressive continually stream ads on television and other media. They all make the same claim about how much you will save if you switch your policy. How can each company make the same claim?

Different companies have a certain “appetite” for the right customer that will not have excessive claims. An example of a desirable insured may be over the age of 50, has no prior claims, and does not commute to work. Any driver who matches those parameters may get the lowest premium rates and will most likely save some money.

Potential customers who do not meet those standards may receive higher prices which results in business going elsewhere. Company advertisements say “drivers that switch” not “everybody who quotes” save money. This is how companies can truthfully make the claims of big savings.

Because each company has a different risk profile, drivers must get a wide range of price quotes. It’s just not possible to know which insurance company will fit you best based on your risk profile.

Parts of your insurance policy

Learning about specific coverages of insurance aids in choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring. Listed below are the usual coverages offered by insurance companies.

Liability auto insurance – This provides protection from injuries or damage you cause to 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 100/300/100 that means you have a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Another option is a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against things like bail bonds, structural damage and repair costs for stationary objects. How much coverage you buy is a personal decision, but consider buying as large an amount as possible.

Medical expense insurance – Med pay and PIP coverage pay for short-term medical expenses like funeral costs, prosthetic devices and surgery. They are often used in conjunction with a health insurance program or if you are not covered by health insurance. They cover all vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Collision coverage – Collision insurance covers damage to your Murano CrossCabriolet resulting from a collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like rolling your car, sideswiping another vehicle and crashing into a ditch. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. It’s also possible to increase the deductible to bring the cost down.

Protection from uninsured/underinsured drivers – This coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Comprehensive (Other than Collision) – This coverage covers damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things such as hitting a bird, rock chips in glass and vandalism. The maximum amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

More quotes. Lower rates.

When you buy insurance online, it’s a bad idea to skimp on coverage in order to save money. There are many occasions where someone dropped liability limits or collision coverage and discovered at claim time that it was a big error on their part. The goal is to buy a smart amount of coverage at the lowest possible cost, but don’t skip important coverages to save money.

Cheaper 2014 Nissan Murano CrossCabriolet insurance can be purchased from both online companies as well as from insurance agents, and you need to comparison shop both in order to have the best chance of saving money. Some companies do not provide online price quotes and most of the time these regional insurance providers provide coverage only through independent insurance agencies.

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