2005 Nissan Murano Insurance Quotes

Looking for cheaper auto insurance rates for your Nissan Murano? No car owner is fond of buying auto insurance, especially knowing their premiums are through the roof.

You have so many auto insurance companies to pick from, and though it is a good thing to be able to choose, more choices can make it harder to compare rates.

Finding the best rates is quite easy. If you have car insurance now, you will most likely be able to save some money using this information. Although drivers must understand how the larger insurance companies market insurance on the web and apply this information to your search.

Low cost insurance price quotes online

There are a variety of methods to compare insurance prices and some are less labor-intensive and much quicker. You can waste a lot of time talking about coverages with insurance agencies in your area, or you can utilize the web to get rate comparisons in just a few minutes.

Most car insurance companies belong to a marketplace where prospective buyers submit their information once, and each participating company provides a quote based on the submitted data. This prevents consumers from doing form submissions to every company.

To access this free quoting program, click here (opens in new window).

The only downside to doing it this way is that you can’t choose the providers to get pricing from. So if you want to choose from a list of companies to compare prices, we put together a list of companies who write insurance in your area. Click to view list.

The approach you take is up to you, just make absolute certain that you use the exact same coverages and limits with every price quote. If you compare different deductibles it’s impossible to truly determine the lowest rate. Even a minor difference in insurance coverages or limits may cause a big price difference. And when comparing insurance rates, know that comparing more quotes gives you a better chance of getting the best rates.

Discounts to earn cheaper insurance rates

Insurance is not inexpensive, but companies offer discounts that many consumers don’t even know exist. Many of these discounts will be applied automatically when you purchase, but some may not be applied and must be requested specifically prior to getting the savings.

  • Braking Control Discount – Vehicles equipped with ABS or steering control prevent accidents and qualify for as much as a 10% discount.
  • Memberships – Joining a civic or occupational organization can get you a small discount on your next insurance statement.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to buckle their seat belts can save up to 15% off the PIP or medical payment premium.
  • Claim Free – Claim-free drivers can save substantially as compared to insureds who have frequent claims or accidents.
  • Own a Home and Save – Owning your own home or condo can save you money because owning a home shows financial diligence.
  • Driving Data Discount – Drivers that enable driving data collection to look at driving patterns by installing a telematics device such as Drivewise from Allstate or Snapshot from Progressive could save a few bucks if they have good driving habits.
  • Defensive Driver Discount – Successfully completing a defensive driver class is a good idea and can lower rates and easily pay for the cost of the class.

You should keep in mind that most discounts do not apply to the entire cost. Most cut individual premiums such as medical payments or collision. So even though it sounds like having all the discounts means you get insurance for free, nobody gets a free ride.

A few popular companies and their possible discounts can be read below.

  • 21st Century may offer discounts for 55 and older, driver training, teen driver, homeowners, automatic seat belts, student driver, and early bird.
  • Progressive policyholders can earn discounts including multi-policy, online signing, online quote discount, good student, and continuous coverage.
  • State Farm may have discounts that include safe vehicle, good driver, defensive driving training, passive restraint, and anti-theft.
  • Nationwide has discounts for accident-free, defensive driving, easy pay, business or organization, family plan, anti-theft, and Farm Bureau membership.
  • Esurance offers discounts including anti-theft, Pac-12 alumni, anti-lock brakes, claim free, and multi-car.
  • The Hartford offers premium reductions for good student, vehicle fuel type, defensive driver, anti-theft, driver training, air bag, and bundle.

If you want cheap insurance quotes, ask every prospective company what discounts are available to you. Some discounts listed above may not apply to policyholders in your area. To locate insurance companies that offer the discounts shown above, click this link.

Tailor your car insurance coverage to you

When it comes to buying the best car insurance coverage, there really is not a “best” method to buy coverage. Everyone’s situation is a little different so this has to be addressed. Here are some questions about coverages that may help highlight if your situation may require specific advice.

  • Will filing a claim cost me more?
  • Why am I required to get a high-risk car insurance policy?
  • How high should deductibles be on a 2005 Nissan Murano?
  • Does coverage extend to Mexico or Canada?
  • I don’t drive much so do I pay less?
  • Why do I need rental car insurance?

If you can’t answer these questions but a few of them apply, you might consider talking to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of car insurance companies in your area.

How your Murano insurance premiums are determined

Many factors are part of the calculation when you get your auto insurance bill. Some of the criteria are obvious like your driving record, but some are less apparent such as whether you are married or how safe your car is.

  • Protect yourself with liability – Liability coverage is the coverage that protects you in the event that a jury decides you are liable for personal injury or accident damage. Liability provides you with a defense in court starting from day one. This coverage is relatively inexpensive as compared to coverage for physical damage, so drivers should buy more than the minimum limits required by law.
  • Rates and your address – Choosing to live in small towns and rural areas is a good thing when talking about insurance coverage. Urban drivers have to deal with congested traffic and higher rates of accident claims. Fewer drivers on the road means reduced accidents.
  • Claim-free discounts can add up – Insurance companies give cheaper rates to people that do not abuse their auto insurance. If you are a frequent claim filer, you can pretty much guarantee either a policy non-renewal or much higher rates. Your car insurance is meant to be used in the event of larger claims.
  • Gender and auto insurance – Over the last 50 years, statistics have shown that men are more aggressive behind the wheel. This data doesn’t prove that women are better drivers. Both genders tend to get into accidents in similar percentages, but males have costlier accidents. Men also receive more costly citations such as driving while intoxicated (DWI) or driving recklessly.
  • Prevent your car from being stolen – Selecting a car model that has a built-in theft deterrent system can help lower your premiums. Theft prevention features like OnStar, LoJack tracking, and tamper alarms help track and prevent vehicle theft.
  • Cheaper prices for prior coverage – Driving without insurance coverage in place is a big no-no and companies may charge more for letting your coverage cancel without a new policy in place. Not only will rates go up, failure to provide proof of insurance might get you a fine, jail time, or a revoked license. You may then be required to file a SR-22 with your state department of motor vehicles.

Car insurance coverage specifics

Understanding the coverages of a car insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. Listed below are typical coverage types available from car insurance companies.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for bills such as prosthetic devices, chiropractic care and nursing services. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers you and your occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Collision coverage protection

This pays for damage to your Murano from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things such as colliding with a tree, sustaining damage from a pot hole and crashing into a building. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Liability insurance

This will cover damage that occurs to a person or their property. This insurance protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 25/50/25 which stand for $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability insurance covers things like emergency aid, repair bills for other people’s vehicles and legal defense fees. The amount of liability coverage you purchase is up to you, but buy as much as you can afford.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like vandalism, hitting a deer, damage from a tornado or hurricane and falling objects. The most you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and also any damage incurred to your Nissan Murano.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

More choices the merrier

We covered many ideas to lower your 2005 Nissan Murano insurance car insurance rates. The most important thing to understand is the more price quotes you have, the better chance you’ll have of finding inexpensive insurance. You may be surprised to find that the best price on insurance coverage is with a lesser-known regional company. Regional companies may only write in your state and offer lower premium rates compared to the large companies like Allstate and Progressive.

When trying to cut insurance costs, it’s not a good idea to sacrifice coverage to reduce premiums. There are many occasions where drivers have reduced liability limits or collision coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. The aim is to buy the best coverage you can find at an affordable rate while still protecting your assets.

More detailed insurance coverage information is located in these articles: