View 2014 Nissan Murano Insurance Cost

Trying to find cheaper insurance rates for your Nissan Murano? Nobody I know enjoys paying for insurance, particularly when they are paying too much. Insurance companies such as State Farm and GEICO continually bombard you with advertising and it is difficult to avoid their marketing magic and take the time to shop coverage around.

How to Get Cheap Insurance Coverage

Performing a rate comparison can be exhausting if you don’t utilize the easiest way. You can spend countless hours talking about coverages with insurance companies in your area, or you could save time and use online quoting for quick rates.

Most car insurance companies belong to an insurance system that allows shoppers to send in one quote, and each participating company then returns a price quote determined by their information. This system prevents you from having to do repetitive form submissions for each company you want a rate for.

To find out how much you can save on insurance coverage click to open in new window.

The only drawback to using this type of form is that you can’t choose which carriers to get quotes from. If you wish to select specific providers for rate comparison, we put together a list of insurance coverage companies in your area. Click here for list of insurance companies.

It’s your choice how you get your quotes, but double check that you are using the exact same coverages and limits with every price quote. If you enter higher or lower deductibles it will be next to impossible to determine the best price for your Nissan Murano.

Discounts to lower Nissan Murano insurance rates

Car insurance companies don’t always list all available discounts in a way that’s easy to find, so we researched both well-publicized and also the lesser-known ways to save on auto insurance. If you aren’t receiving every discount you deserve, you’re just leaving money on the table.

  • Save with a New Car – Putting insurance coverage on a new car is cheaper compared to insuring an older model.
  • Multiple Policy Discount – When you combine your home and auto insurance with the same company you may save up to 20% off your total premium.
  • Resident Student – Any of your kids living away from home attending college without a vehicle on campus may be able to be covered for less.
  • Auto/Life Discount – Larger companies have a discount if you purchase life insurance.
  • Federal Employees – Employees or retirees of the government could cut as much as 10% off for Murano coverage with certain companies.

Keep in mind that most of the big mark downs will not be given the the whole policy. Most only apply to individual premiums such as collision or personal injury protection. So despite the fact that it appears you would end up receiving a 100% discount, it doesn’t quite work that way.

Companies who might offer some of the above discounts are:

Double check with every prospective company how you can save money. Some discounts may not apply in every state.

Lesser-known factors impacting Nissan Murano insurance rates

Smart consumers have a good feel for the different types of things that come into play when calculating the rates you pay for auto insurance. Understanding what impacts premium levels empowers consumers to make smart changes that will entitle you to lower auto insurance prices.

  • Adjust deductibles and save – Coverage for physical damage, otherwise known as comp (or other than collision) and collision, protects your Nissan from damage. A few examples of covered claims would be colliding with a building, damage caused by hail, and windstorm damage. The deductibles are the amount of money you are required to spend out-of-pocket if you file a covered claim. The more expense you have to pay, the less your auto insurance will be for Murano coverage.
  • Bad driving skills means higher rates – Good drivers tend to pay less for car insurance than people who have multiple driving citations. Only having one ticket can increase rates twenty percent or more. Drivers who have severe citations like DWI, reckless driving or hit and run convictions may need to file a SR-22 with their state motor vehicle department in order to drive a vehicle legally.
  • How many coverages with the same company – Many insurers give discounts to policyholders who have multiple policies with them, otherwise known as a multi-policy discount. Even with this discount, you still need to compare rates to make sure you are getting the best deal.
  • Rate your vehicle for proper use – The more you drive each year the higher your rate. Most companies charge to insure your cars based on how the vehicle is used. Cars and trucks used primarily for pleasure use can get a lower rate than vehicles that are driven to work every day. Double check that your auto insurance policy is rated on the correct driver usage, because it can save money. If your policy improperly rates your Murano may be costing you.
  • Older drivers save more – Young drivers tend to be careless and easily distracted behind the wheel so they pay higher auto insurance rates. Parents adding a teenage driver to your auto insurance policy can be very expensive. Older drivers are more cautious drivers, statistically cause fewer accidents and are safer drivers.
  • Do you need those extra coverages? – There are quite a few add-on coverages that you can get tricked into buying on your 2014 Murano policy. Coverages for personal injury protection, accidental death and term life insurance may be wasting your money. They may seem good at first, but if they’re wasting money eliminate them to save money.
  • Allowing your policy to lapse raises rates – Allowing your coverage to lapse is a sure-fire way to pay more for auto insurance. Not only will you pay more, failure to provide proof of insurance may earn you a revoked license or a big fine.You may have to file a SR-22 with your state motor vehicle department to get your license reinstated.
  • Being married is a good thing – Having a spouse actually saves money on your policy. Having a spouse translates into being more responsible and it’s proven that drivers who are married are more cautious.

Tailor your coverage to you

When it comes to choosing the right insurance coverage for your personal vehicles, there really is not a perfect coverage plan. Every situation is different so this has to be addressed. For example, these questions may help highlight if your situation might need an agent’s assistance.

  • When should I not file a claim?
  • What is roadside assistance coverage?
  • Do I need added coverage for expensive stereo equipment?
  • What discounts do I qualify for?
  • Am I covered by my spouse’s policy after a separation?
  • Are my friends covered when driving my 2014 Nissan Murano?
  • Is my teenager covered with friends in the car?
  • Can my babysitter drive my car?
  • Am I insured when driving a different vehicle?
  • Can my teen drive my company car?

If you can’t answer these questions but a few of them apply, you might consider talking to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier It’s fast, free and may give you better protection.

Specific coverages for a Nissan Murano

Learning about specific coverages of your auto insurance policy can be of help when determining the best coverages and proper limits and deductibles. Auto insurance terms can be difficult to understand and nobody wants to actually read their policy. These are the usual coverages found on the average auto insurance policy.

Liability insurance

This coverage provides protection from damage that occurs to other’s property or people in an accident. It protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 25/50/25 that translate to $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for things like loss of income, emergency aid, pain and suffering and attorney fees. How much liability coverage do you need? That is a personal decision, but buy as much as you can afford.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your Nissan Murano.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for things like pain medications, doctor visits, prosthetic devices and hospital visits. The coverages can be used to fill the gap from your health insurance plan or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Comprehensive protection

This covers 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 coverage pays for claims like a tree branch falling on your vehicle, damage from a tornado or hurricane and damage from flooding. The highest amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision insurance

This pays for damage to your Murano resulting from a collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as driving through your garage door, scraping a guard rail, hitting a parking meter, crashing into a building and colliding with another moving vehicle. 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 raise the deductible to get cheaper collision coverage.

And the best car insurance company is…

Low-cost 2014 Nissan Murano insurance is possible online and also from your neighborhood agents, and you need to comparison shop both in order to have the best price selection to choose from. Some companies may not provide the ability to get a quote online and these small, regional companies work with independent agents.

As you go through the steps to switch your coverage, don’t be tempted to buy poor coverage just to save money. In many cases, someone sacrificed uninsured motorist or liability limits only to find out they didn’t purchase enough coverage. Your aim should be to get the best coverage possible for the lowest price, not the least amount of coverage.

Additional information can be read on the following sites: