2012 Nissan Murano Insurance Rates
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UPDATED: Mar 2, 2020
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Average insurance rates for a 2012 Nissan Murano are $1,154 a year including full coverage. Comprehensive insurance costs around $206 a year, collision costs $330, and liability costs $460. Buying a liability-only policy costs as little as $510 a year, with high-risk insurance costing $2,492 or more. Teen drivers receive the highest rates at $4,524 a year or more.
Annual premium for full coverage: $1,154
Rate estimates for 2012 Nissan Murano Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2012 Nissan Murano models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range go from as low as $510 for only liability insurance to a high of $2,492 for high-risk insurance.
These differences highlight why it is important for drivers to compare rates for a specific zip code and risk profile, instead of making a decision based on price averages.
Use the form below to get rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Recommended Companies for Cheap 2012 Nissan Murano Insurance
Want the cheapest auto insurance rates? Drivers have options when trying to find low-cost Nissan Murano insurance. They can either spend hours calling around trying to get quotes or leverage the internet to make rate comparisons.
There are both good and bad ways to compare auto insurance rates and you need to know the proper way to price shop coverage for a new or used Nissan and get the lowest price either online or from local insurance agents.
It is always a good idea to price shop coverage yearly since insurance rates go up and down regularly. If you had the best rates on Murano insurance on your last policy you can probably find a better price now. So just ignore everything you know about auto insurance because you’re about to learn one of the best ways to save money, get proper coverage and the best rates.
Compare the Market for Car Insurance
Lowering your 2012 Nissan Murano car insurance rates can be quick and easy. All that’s required is to spend a little time to get quotes online from several insurance companies. It is quite easy and can be accomplished in a couple of different ways.
- The fastest way to get quotes is to use a rate comparison form click to view form in new window. This easy form saves time by eliminating separate quote forms for each company you want a rate for. A single form compares rates from car insurance companies with the best prices. Recommended for those who want to invest the least amount of time.
- A more time consuming way to get quotes online is spending the time to visit the website for every company you want to comare to complete a price quote. For example, let’s say you want to compare State Farm, Farmers and American Family. You would have to visit each site and enter your information, which is why the first method is quicker. To view a list of companies in your area, click here.
- The least efficient way of getting rate comparisons is driving around to and from local insurance agencies. The internet eliminates the need for an insurance agent unless you prefer the professional guidance that only a license agent can provide. It is possible to find lower rates online but buy from a local insurance agent and we’ll talk about that later.
It doesn’t matter which method you choose, just make darn sure you compare the exact same deductibles and coverage limits for every quote you compare. If your comparisons have unequal deductibles or liability limits it will be impossible to determine the best price for your Nissan Murano.
Lower rates by qualifying for discounts
Insurance can cost an arm and a leg, but there could be available discounts to help bring down the price. Some trigger automatically when you complete an application, but a few need to be manually applied before you get the savings. If you’re not getting every credit you deserve, you are throwing money away.
- Accident Forgiveness – A few companies will allow you to have one accident before hitting you with a surcharge if your claims history is clear for a certain period of time.
- Organization Discounts – Affiliation with a qualifying organization is a good way to get lower rates when shopping for car insurance on Murano insurance.
- Paperwork-free – A handful of insurance companies will discount your bill up to fifty bucks simply for signing over the internet.
- Use Seat Belts – Requiring all passengers to wear their seat belts can save up to 15% off your medical payments premium.
- Safe Drivers – Insureds without accidents can get discounts for up to 45% lower rates on Murano insurance than less cautious drivers.
Consumers should know that most credits do not apply to the entire cost. The majority will only reduce the price of certain insurance coverages like medical payments or collision. So even though they make it sound like all the discounts add up to a free policy, companies wouldn’t make money that way. Any qualifying discounts will help reduce your overall premium however.
Companies who might offer these benefits are:
Check with each insurance company which discounts you may be entitled to. Some discounts may not be available everywhere.
Car insurance is unique, just like you
When buying proper insurance coverage, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs.
For instance, these questions might help in determining whether or not you might need professional guidance.
- Do I have any recourse if my insurance company denies a claim?
- Should I buy more coverage than the required minimum liability coverage?
- Why does it cost so much to insure a teen driver?
- Does liability extend to a camper or trailer?
- Is my nanny covered when driving my vehicle?
- Does my policy cover me when driving someone else’s vehicle?
If you don’t know the answers to these questions, you might consider talking to an insurance agent. If you don’t have a local agent, complete this form. It is quick, free and you can get the answers you need.
Insurance coverage options for a Nissan Murano
Understanding the coverages of your policy can be of help when determining which coverages you need and the correct deductibles and limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.
Comprehensive coverage (or Other than Collision) – Comprehensive insurance covers damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for claims like theft, vandalism and damage from getting keyed. The highest amount your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
Liability insurance – Liability insurance protects you from damage or injury you incur to other people or property that is your fault. It protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.
Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 50/100/50 that means you have a $50,000 limit per person for injuries, $100,000 for the entire accident, and property damage coverage for $50,000. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.
Liability coverage protects against claims like repair costs for stationary objects, legal defense fees, medical expenses, repair bills for other people’s vehicles and loss of income. How much liability coverage do you need? That is a personal decision, but consider buying higher limits if possible.
Insurance for medical payments – Coverage for medical payments and/or PIP provide coverage for expenses for X-ray expenses, hospital visits and chiropractic care. They can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Coverage applies to both the driver and occupants as well as getting struck while a pedestrian. PIP is not an option in every state and may carry a deductible
Uninsured Motorist or Underinsured Motorist insurance – This gives you protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.
Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently these coverages are identical to your policy’s liability coverage.
Collision coverages – This will pay to fix damage to your Murano resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.
Collision coverage pays for things like hitting a parking meter, scraping a guard rail, sideswiping another vehicle and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Another option is to bump up the deductible to get cheaper collision coverage.
Rates by U.S. City
|New York City, NY||$1,824|
|Los Angeles, CA||$1,971|
Need a specific model?
Choose your model and trim below
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$77|
|5-yr Claim Free||$74|
|Paid in Full/EFT||$46|
Discounts are estimated and may not be available from every company or in every state.