Lower Your 2010 Nissan Murano Insurance Cost in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 30, 2024

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Looking for the cheapest auto insurance rates for your Nissan Murano? Do you get exhausted from sacrificing to make your auto insurance payment? You’re in the same situation as most other people. Online insurance companies like Allstate, Progressive and GEICO increase brand awareness with advertising and consumers find it hard to separate fact from fiction and effectively compare rates to find the best deal.

Don’t overlook these auto insurance discounts

Companies that sell car insurance don’t always publicize every possible discount in an easy-to-find place, so we break down some of the more common as well as some of the hidden discounts that you can inquire about if you buy insurance online.

  • New Vehicle Savings – Buying a new car model can save up to 30% because new vehicles are generally safer.
  • Lower Rates for Military – Having a deployed family member can result in better premium rates.
  • Responsible Driver Discounts – Safe drivers may receive a discount up to 45% for Murano coverage compared to rates paid by drivers with frequent claims.
  • Good Student – A discount for being a good student may save as much as 25% on a insurance quote. You can use this discount normally well after school through age 25.
  • Policy Bundle Discount – When you combine your home and auto insurance with one company you could save at least 10% off all policies.

As is typical with insurance, some of the credits will not apply to the whole policy. Some only apply to the cost of specific coverages such as liability and collision coverage. So even though you would think having all the discounts means you get insurance for free, it doesn’t quite work that way.

A partial list of companies who may offer these discounts possibly include:

  • Progressive
  • The Hartford
  • Mercury Insurance
  • AAA
  • State Farm

When comparing rates, check with each company or agent how you can save money. Some of the earlier mentioned discounts might not be available to policyholders in your area.

Learn how to get insurance coverage for less

Lots of things are part of the calculation when you get your auto insurance bill. Some of the criteria are obvious like an MVR report, but some are less obvious like where you live or your commute time.

The following are a partial list of the pieces that factor into your rates.

  • Employer impacts rates – Do you work in a high-stress field? Jobs such as military generals, air traffic controllers and emergency personnel generally have higher premiums than the average policyholder attributed to high stress levels and lots of time spent away from family. Other jobs like farmers, athletes and performers generally pay rates lower than average for Murano coverage.
  • Do you know your coverage deductibles? – Insurance for physical damage to your car, also called comprehensive and collision insurance, insures against damage to your Nissan. Some instances where coverage would apply are running into the backend of another car, collision with an animal, and windstorm damage. Comprehensive and collision coverage deductibles state the amount of money you are required to spend out-of-pocket if the claim is covered. The more of the claim you choose to pay out-of-pocket, the less money you will pay for insurance coverage for Murano coverage.
  • Age of drivers – Older drivers are viewed as being more responsible, cost insurance companies less in claims and are safer drivers. Inexperienced drivers are known to be inattentive when driving and because of this, their insurance coverage rates are much higher.
  • Small coverages can add up – There are a ton of extra coverages that can add up if you aren’t diligent. Insurance for replacement cost coverage, towing, and membership fees may be costing you every month. These coverages may sound good when talking to your agent, but if they’re wasting money eliminate the coverages to reduce your premium.

When to get professional advice

When buying adequate coverage for your vehicles, there really is not a best way to insure your cars. Your needs are not the same as everyone else’s so this has to be addressed. These are some specific questions may help highlight whether or not you might need professional guidance.

  • How much underlying liability do I need for an umbrella policy?
  • Do I need added coverage for expensive stereo equipment?
  • Am I covered if I crash into my own garage door?
  • What happens if I owe more than my 2010 Nissan Murano is worth?
  • Do I pay less for low miles?
  • Do I need medical payments coverage since I have good health insurance?
  • If I drive on a suspended license am I covered?
  • Do I have coverage when using my vehicle for my home business?
  • Am I covered when using my vehicle for business?
  • Is my business laptop covered if it gets stolen from my vehicle?

If you can’t answer these questions but you know they apply to you, you may need to chat with a licensed agent. If you don’t have a local agent, fill out your zip code. It’s fast, doesn’t cost anything and can help protect your family.

Car insurance coverages for a 2010 Nissan Murano

Understanding the coverages of your car insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find the normal coverages available from car insurance companies.

Liability car insurance – Liability insurance provides protection from injuries or damage you cause to people or other property by causing an accident. It protects YOU against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

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 policy limits of 25/50/25 which means a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for things like bail bonds, legal defense fees, loss of income and emergency aid. How much coverage you buy is your choice, but buy as high a limit as you can afford.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage pay for short-term medical expenses for things like ambulance fees, prosthetic devices, X-ray expenses, pain medications and nursing services. The coverages can be used in conjunction with a health insurance program or if you do not have health coverage. They cover you and your occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist (UM/UIM) – This coverage gives you protection from other drivers when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Comprehensive insurance – This covers damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things such as hail damage, hitting a deer and vandalism. 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 it’s not worth carrying full coverage.

Collision – This coverage will pay to fix damage to your Murano resulting from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as sideswiping another vehicle, colliding with a tree, hitting a parking meter and backing into a parked car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to bring the cost down.

Quote often and quote early

Some insurance companies do not provide online rate quotes and usually these regional carriers sell through independent agencies. Cheaper 2010 Nissan Murano insurance is attainable on the web as well as from insurance agents, and you need to comparison shop both in order to have the best price selection to choose from.

We’ve covered some good ideas how you can shop for 2010 Nissan Murano insurance online. The most important thing to understand is the more rate quotes you have, the more likely it is that you will get a better rate. Consumers could even find that the lowest rates come from some of the smallest insurance companies. Smaller companies may have significantly lower auto insurance rates on certain market segments compared to the large companies like Allstate and Progressive.

When you buy insurance online, it’s a bad idea to skimp on coverage in order to save money. Too many times, an accident victim reduced physical damage coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your aim should be to buy the best coverage you can find at the lowest possible cost, but do not skimp to save money.

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