Lower Your 2014 Nissan Murano Insurance Rates

Want cheaper auto insurance rates for your Nissan Murano? Nobody that owns a car gets a kick out of paying for auto insurance, in particular when they could lower their rates if they shopped around.

You have multiple insurance companies to pick from, and though it is a good thing to have a choice, having more insurance companies makes it harder to find the lowest cost provider.

Finding the best rates is easy if you know what you’re doing. If you currently have car insurance, you should be able to lower your premiums substantially using this information. But drivers do need to know how insurance companies price insurance differently and take advantage of how the system works.

These discounts can cut auto insurance rates

Some companies don’t list every possible discount in a way that’s easy to find, so the list below contains both well-publicized and the more hidden credits available to you. If you do not double check each discount you qualify for, you may be paying too high a price.

  • Multiple Cars – Buying a policy with multiple cars or trucks on a single policy qualifies for this discount.
  • Anti-lock Brake System – Cars and trucks that have steering control and anti-lock brakes can avoid accidents and will save you 10% or more.
  • Discounts for Seat Belt Usage – Drivers who always wear seat belts and also require passengers to use a seat belt could cut 10% or more off the medical payments premium.
  • Professional Organizations – Belonging to qualifying clubs or civic groups is a simple method to lower premiums on auto insurance.
  • Early Signing – A few larger companies allow discounts for switching policies prior to the expiration date on your current policy. Ten percent is about the average savings.
  • Discounts for Safe Drivers – Drivers who avoid accidents can save as much as half off their rates for Murano insurance than drivers with accidents.
  • Good Grades Discount – Being a good student may save as much as 25% on a insurance coverage quote. This discount can apply up to age 25.
  • Own a Home – Just owning your own home can save a few bucks because of the fact that having a home means you have a higher level of financial diligence.
  • Drivers Ed for Students – It’s a good idea to have your young drivers enroll and complete driver’s education in high school.

You should keep in mind that most of the big mark downs will not be given to the entire cost. Some only apply to individual premiums such as physical damage coverage or medical payments. If you do the math and it seems like you can get free auto insurance, you’re out of luck.

A few popular companies and a summarized list of policyholder discounts are included below.

  • 21st Century includes discounts for anti-lock brakes, 55 and older, automatic seat belts, early bird, homeowners, and theft prevention.
  • Progressive may include discounts for online quote discount, good student, multi-vehicle, continuous coverage, and homeowner.
  • State Farm may offer discounts for passive restraint, multiple policy, Steer Clear safe driver discount, driver’s education, safe vehicle, and defensive driving training.
  • Nationwide policyholders can earn discounts including family plan, easy pay, anti-theft, good student, and defensive driving.
  • Esurance has savings for Switch & Save, emergency road assistance, defensive driver, safety device, and claim free.
  • The Hartford offers discounts including driver training, defensive driver, good student, air bag, and bundle.

If you want cheaper insurance coverage quotes, ask all companies you are considering which credits you are entitled to. Discounts may not apply to policyholders in every state. To locate insurers who offer cheap auto insurance quotes, follow this link.

When do I need an agent’s advice?

When it comes to buying the right insurance coverage, there isn’t really a “perfect” insurance plan. Every insured’s situation is different so this has to be addressed. For instance, these questions might point out if your insurance needs might need an agent’s assistance.

  • When can my company non-renew my policy?
  • Why does it cost so much to insure a teen driver?
  • Is my cargo covered for damage or theft?
  • Am I insured when driving a different vehicle?
  • Should I drop comprehensive coverage on older vehicles?
  • Do I need medical payments coverage since I have good health insurance?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier

Car insurance 101

Knowing the specifics of a auto insurance policy helps when choosing the best coverages for your vehicles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Shown next are typical coverages offered by auto insurance companies.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage kick in for expenses such as pain medications, rehabilitation expenses, ambulance fees, chiropractic care and funeral costs. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Collision – Collision insurance pays for damage to your Murano caused by collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things like sustaining damage from a pot hole, colliding with another moving vehicle, driving through your garage door and sideswiping another vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Comprehensive or Other Than Collision – This coverage pays for damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like vandalism, a tree branch falling on your vehicle and falling objects. The most you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability auto insurance – This coverage provides protection from damages or injuries you inflict on people or other property in an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability can pay for things like bail bonds, medical expenses and emergency aid. How much liability coverage do you need? That is up to you, but you should buy higher limits if possible.

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

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Coverage on a shoestring budget

The cheapest 2014 Nissan Murano insurance can be purchased both online and from local agencies, so get free insurance coverage quotes from both of them in order to have the best chance of saving money. Some insurance providers may not offer online rate quotes and these smaller companies only sell through local independent agencies.

You just learned some good ideas how you can reduce 2014 Nissan Murano insurance rates online. The most important thing to understand is the more quotes you get, the better likelihood of getting affordable insurance coverage. You may even discover the lowest priced auto insurance comes from a smaller regional carrier. These companies may only write in your state and offer lower car insurance rates than the large multi-state companies such as State Farm and Allstate.

More tips and info about auto insurance can be found by following these links: