Easily Lower your Nissan Murano Insurance Rates in Three Steps
If finding the lowest rate on car insurance was easy, most people would have no trouble paying less. But in reality, the cost for insurance always seems too high and most people would prefer to get a root canal. Finding insurance for your Nissan Murano that you can actually afford is probably no different.
Step One: Compare Online Rate Quotes
If it's been a few years since you shopped for car insurance, you might still think the only way to buy is from a local agent. Times have changed!
All the major car insurance companies sell insurance for a Nissan Murano and you can compare their rates by entering your information only one time.
Simply click the link below to start a quote that will compare rates from many companies and you may find a lower rate than you're currently paying.
Insurance Quoting Tip! The only way to accurately compare rates bewteen different companies for your Murano is to use identical coverage limits on all the quotes. If you use different liability limits and/or deductibles, you won't have an apples-to-apples rate comparison.
Step Two: Top Ways to Get Lower Murano Insurance
How much impact insuring your Nissan has on your wallet is controlled by many different factors. Here are some ways to reduce the negatives and improve the positives.
- You can save money on your physical damage coverage (comprehensive and collision) by increasing your deductibles. Higher deductibles mean you are willing to pay more before the insurance company covers a claim.
- How's your credit score? If it's good you will pay a lower rate than your poor credit counterparts. Work on improving weak credit and you will eventually see your car insurance bill go down.
- Teen drivers are expensive to insure and the only way to lower your rates is to rate them on an older vehicle with basic liability coverage.
- Successfully completing a driver's training class can help lower your rates if your insurance company offers that discount.
- One of the easiest ways to keep your rates down is to drive safe. One speeding ticket can boost your rates for three years.
- If switching companies, always have the effective date of the new policy be identical to the expiration date on the old policy. This prevents a lapse in coverage and companies charge higher rates if you have any lapses.
- Most Nissan vehicles come with standard safety features such as air bags and passive restraints, and those will help keep your insurance costs down.
- Most insurance companies will give you a discount on your car insurance if you also own a home. Some go even farther and give you discounts if you package your homeowners and auto insurance with them.
- Smaller claims that hardly exceed your deductible are better off not being filed with your insurance company. Policyholders with no claims enjoy lower rates than those who frequently file claims.
- If you are a senior citizen or belong to a particular professional organization, you may qualify for a break on insurance.
- If you car makes the top ten list of most stolen cars, you might be paying a little extra to insure it.
Step Three: Bind Coverage and Cancel your Old Policy
Buying a new car insurance policy is just a matter of finalizing your application form and submitting it with your down payment. Once payment has been accepted, coverage is bound the effective date shown on your application.
If you didn't have a prior policy, then you can make the new policy effective any time. But if you're moving bewteen companies and don't want a lapse in coverage, make sure the effective date of the new policy is exactly the same as the cancellation date of the old policy.
If this is a new policy with only the Nissan on it, be sure to have coverage before leaving the dealership or car lot. If you're adding it to an existing policy, you have anywhere from 15 to 30 days depending on the company. If your current policy has any vehicle with full coverage (comprehensive and collision), then your new Murano will have that coverage extended to it. If you only have liability coverage on your policy, then you have no physical damage coverage on your new purchase.
After completing your policy purchase, you can print out the proof-of-insurance card to place in your car. Always keep the current card available in case requested by law enforcement or if you are in an accident. If an SR-22 is required due to a reckless driving conviction, DUI or conviction of driving without insurance, make sure your new company is aware of that. Not filing a court-ordered SR-22 can result in suspension of your driver's license.
Additional Insurance Information
For more detailed car insurance topics, visit the Insurance Information Institute.
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