2013 Nissan Murano Car Insurance Quotes in 2024 – 6 Tips to Save

Trying to find better insurance rates for your Nissan Murano? Having to pay for overpriced Nissan Murano insurance can bleed your monthly budget and require stricter spending habits. Comparison shopping can lower your rates and help to make sure you’re not throwing money away.

Consumers have multiple auto insurance companies to purchase coverage from, and although it’s nice to have a selection, having more insurers makes it harder to find the best rates.

You should make it a habit to quote other rates periodically due to the fact that insurance rates are rarely the same from one policy term to another. Just because you found the lowest premium rates on Murano coverage a few years ago you may be paying too much now. Ignore everything you know about insurance because we’re going to demonstrate how to quote online to reduce your cost while improving coverage.

Which auto insurance is cheapest?

Finding cheaper auto insurance quotes isn’t really that difficult. The only requirement is to invest a little time to compare rate quotes from different insurance companies. This can easily be done by using one of the methods below.

1. Probably the best way consumers can make multiple comparisons would be an industry-wide quote request form. This quick form eliminates the need for boring form submissions for each company. One form submission compares rates from auto insurance companies with the best prices.
2. A less efficient way to analyze rates requires you to visit the website of each company to complete a price quote. For example, let’s assume you need rates from USAA, 21st Century and GEICO. You would be required to go to each individual site and enter your information, which can get old fast.
3. The least recommended way to get rate quotes is to drive around to and from local insurance agencies. The internet makes this process obsolete unless you want the extra assistance of a local agency. Although, it is possible compare online quotes but have your policy serviced through an agent.

It doesn’t matter which method you choose, just make darn sure you compare the same deductibles and coverage limits for each quote you get. If your comparisons have different values for each quote you can’t possibly determine the best price for your Nissan Murano.

Discounts can really help lower premiums

Companies that sell car insurance don’t always publicize their entire list of discounts in an easy-to-find place, so the below list has both the well known as well as some of the hidden credits that may apply to you.

• Home Ownership Discount – Owning your own home or condo can help you save on insurance coverage since owning and maintaining a home requires personal responsibility.
• Pay Now and Pay Less – If you pay your entire premium ahead of time instead of paying each month you may have a lower total premium amount.
• Bundle and Save – If you have multiple policies with the same company you will save at least 10% off all policies.
• Fewer Miles Equal More Savings – Low annual miles can earn slightly better premium rates than normal.
• Onboard Data Collection – Drivers that enable companies to look at driving habits by using a telematics device such as State Farm’s In-Drive may see discounts as long as the data is positive.
• Discount for Switching Early – Some insurance coverage companies provide a discount for switching to them before your current expiration date. Ten percent is about the average savings.

Policy discounts save money, but many deductions do not apply to the overall cost of the policy. Some only reduce the cost of specific coverages such as comprehensive or collision. Even though it may seem like having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business.

Larger insurance coverage companies and a partial list of their discounts include:

• The Hartford includes discounts for bundle, anti-theft, driver training, air bag, vehicle fuel type, and defensive driver.
• American Family has discounts for mySafetyValet, air bags, TimeAway discount, early bird, good student, and bundled insurance.
• Progressive may include discounts for multi-policy, online quote discount, good student, online signing, and continuous coverage.
• Travelers offers premium reductions for home ownership, IntelliDrive, student away at school, early quote, and new car.
• Farmers Insurance may offer discounts for early shopping, homeowner, distant student, mature driver, electronic funds transfer, and switch companies.
• USAA policyholders can earn discounts including family discount, vehicle storage, driver training, multi-policy, military installation, defensive driver, and loyalty savings.
• Liberty Mutual offers discounts including multi-car, newly retired, hybrid vehicle, good student, new vehicle discount, preferred payment discount, and exclusive group savings.

When getting free insurance quotes, it’s a good idea to every prospective company which discounts can lower your rates. Some credits might not be offered in your area.

Will just any policy work for me?

When buying proper insurance coverage, there is no cookie cutter policy. Everyone’s situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that can help discover if you will benefit from professional help.

• Is my business laptop covered if it gets stolen from my vehicle?
• Are my friends covered when driving my 2013 Nissan Murano?
• What companies insure drivers after a DUI or DWI?
• If my pet gets injured in an accident are they covered?
• Do I pay less for low miles?
• How do I file an SR-22 for a DUI in my state?
• Is a blown tire covered by insurance?
• Are all vehicle passengers covered by medical payments coverage?

If you don’t know the answers to these questions, you may need to chat with a licensed agent. To find an agent in your area, take a second and enter your zip code. It only takes a few minutes and can provide invaluable advice.

Do drivers who switch really save $383 a year?

Consumers can’t avoid all the ads that promise big savings for switching from the likes of 21st Century, Allstate and State Farm. They all tend to make the same promise that drivers can save some big amount if you change your car insurance coverage to their company.

But how can every company charge lower premium rates? It’s all in the numbers.

Most companies quote their cheapest rates for the type of driver that makes them money. An example of a desirable insured might have to be between 25 and 40, has never had a policy lapse, and does not commute to work. Anyone that matches those criteria receive the lowest rate quotes and therefore will cut their rates substantially.

Consumers who fall outside the ideal profile must pay a higher premium which usually ends up with the customer not purchasing. Company advertisements say “people that switch” not “all people who quote” save that kind of money. That is how companies can claim big savings. Because of this risk profiling, you need to compare many company’s auto insurance rates. You cannot predict the company that will be your best fit.

Coverages available on your insurance policy

Having a good grasp of a insurance policy can help you determine the right coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. These are typical coverages offered by insurance companies.

Comprehensive insurance

Comprehensive insurance pays for damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things like damage from getting keyed, falling objects and hail damage. The maximum payout your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Coverage for medical expenses

Med pay and PIP coverage provide coverage for expenses for things like X-ray expenses, rehabilitation expenses, pain medications and doctor visits. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. They 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 only offered in select states and gives slightly broader coverage than med pay

Coverage for collisions

Collision insurance covers damage to your Murano caused by collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like colliding with a tree, colliding with another moving vehicle and crashing into a building. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to increase the deductible to bring the cost down.

Liability

This provides protection from damages or injuries you inflict on people or other property. It protects you from claims by other people. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 50/100/50 which stand for a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for claims like pain and suffering, repair costs for stationary objects and emergency aid. How much coverage you buy is a decision to put some thought into, but you should buy higher limits if possible.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as damage to your Nissan Murano.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Online plus local equals savings

Lower-priced 2013 Nissan Murano insurance can be found both online and from local insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. A few companies don’t offer rate quotes online and these small, regional companies only sell coverage through local independent agencies.

As you prepare to switch companies, it’s very important that you do not skimp on critical coverages to save a buck or two. Too many times, someone sacrificed uninsured motorist or liability limits and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your goal should be to buy the best coverage you can find at an affordable rate, but don’t skip important coverages to save money.