Nissan Murano insurance cost image courtesy of QuoteInspector.com
How long has it been since you shopped around for low-cost Nissan Murano insurance in Plano? Cutting costs on Nissan Murano insurance in Plano may be nearly impossible for people who are beginners to quoting coverage prices online. Consumers have so many agents and companies to choose from that it can quickly become a chore to find cheaper premium rates on Nissan Murano insurance.
A recent car insurance study revealed that most car insurance buyers have been with the same company for well over three years, and almost 40% of drivers have never even shopped around for affordable coverage. Many drivers in Texas could cut their rates by roughly $1,770 a year by just shopping around, but they just feel it's too hard to find affordable insurance by shopping around.
Car insurance data for a Nissan Murano
The data table shown next highlights detailed analysis of insurance premium costs for Nissan Murano models. Being more informed about how car insurance prices are determined can help you make decisions on the best policy coverages.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Murano S 2WD||$288||$570||$462||$28||$138||$1,486||$124|
|Murano S AWD||$288||$570||$462||$28||$138||$1,486||$124|
|Murano SL 2WD||$288||$570||$462||$28||$138||$1,486||$124|
|Murano SL AWD||$288||$570||$462||$28||$138||$1,486||$124|
|Murano LE 2WD||$326||$672||$462||$28||$138||$1,626||$136|
|Murano LE AWD||$326||$672||$462||$28||$138||$1,626||$136|
|Get Your Own Custom Quote Go|
Price data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Rates do not factor in your specific Plano location which can impact premium rates noticeably.
The information below illustrates how choosing a deductible and can change Nissan Murano insurance costs for different age groups. The price estimates are based on a married male driver, full coverage, and no policy discounts are applied.
Save money with these nine discounts
Some insurers don't always advertise every discount in a way that's easy to find, so below is a list some of the more common as well as the least known discounts that you can inquire about if you buy Plano auto insurance online.
- Theft Deterrent Discount - Vehicles that have factory alarm systems and tracking devices have a lower chance of being stolen and can earn a small discount on your policy.
- Discount for New Cars - Adding a new car to your policy can cost up to 25% less due to better safety requirements for new model year vehicles.
- Online Discount - Some of the larger companies will discount your bill up to fifty bucks for buying your policy digitally online.
- Resident Student - Older children who are enrolled in higher education away from home and do not have a car may qualify for this discount.
- Own a Home and Save - Being a homeowner can earn you a little savings because it requires personal responsibility.
- Discount for Swiching Early - Some larger companies give discounts for switching companies prior to the expiration date on your current Murano insurance policy. You may see this discount when you get Plano auto insurance quotes online.
- Safety Course Discount - Participating in a driver safety course is a good idea and can lower rates if you qualify.
- Military Deployment Discount - Being deployed in the military could mean lower premium rates.
- Accident Free - Insureds who avoid accidents and claims pay much less in comparison with frequent claim filers.
As a disclaimer on discounts, most discount credits are not given to the overall cost of the policy. Most only cut specific coverage prices like comprehensive or collision. Despite the appearance that you can get free auto insurance, companies don't profit that way.
The information below illustrates the comparison of Nissan Murano insurance rates with and without discounts applied to the policy rates. The rate quotes are based on a male driver, a clean driving record, no at-fault accidents, Texas state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, homeowner, claim-free, safe-driver, multi-car, and multi-policy discounts applied.
Companies who might offer most of these discounts possibly include:
When getting a coverage quote, ask each company or agent to give you their best rates. Some discounts might not be offered in Plano.
Parts of your insurance policy
Knowing the specifics of your policy can help you determine which coverages you need and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Shown next are the usual coverages available from insurance companies.
Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage gives you protection from other drivers 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.
Due to the fact that many Texas drivers have only the minimum liability required by law (which is 30/60/25), it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.
Collision - This coverage covers damage to your Murano from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision coverage protects against things such as sustaining damage from a pot hole, colliding with another moving vehicle, driving through your garage door and scraping a guard rail. This coverage can be expensive, so consider removing coverage from older vehicles. Another option is to raise the deductible on your Murano to bring the cost down.
Medical payments coverage and PIP - Med pay and PIP coverage pay for bills for things like doctor visits, surgery and funeral costs. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay
Comprehensive coverage - Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for things like falling objects, damage from a tornado or hurricane, rock chips in glass, hitting a deer and damage from getting keyed. The highest amount you can receive from a comprehensive claim is the actual cash value, so if it's not worth much more than your deductible consider dropping full coverage.
Liability car insurance - Liability insurance provides protection from damage that occurs to other people or property in an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 30/60/25 that means you have $30,000 bodily injury coverage, $60,000 for the entire accident, and property damage coverage for $25,000.
Liability coverage protects against claims like attorney fees, medical expenses, bail bonds, court costs and repair costs for stationary objects. How much liability should you purchase? That is a personal decision, but buy as much as you can afford. Texas requires drivers to carry at least 30/60/25 but you should think about purchasing better liability coverage.
The chart below demonstrates why buying the state minimum limits may not be enough coverage.
How to find a good Texas auto insurance company
Ending up with the top car insurance company can be difficult considering how many different companies sell coverage in Texas. The rank data below could help you select which car insurance providers to look at purchasing a policy from.
Top 10 Plano Car Insurance Companies Ranked by Customer Satisfaction
- USAA - 91%
- AAA Insurance - 90%
- Esurance - 90%
- Mercury Insurance - 89%
- Nationwide - 89%
- Travelers - 88%
- Progressive - 88%
- Safeco Insurance - 88%
- State Farm - 88%
- Allstate - 88%
Top 10 Plano Car Insurance Companies Ranked by Claims Service
- State Farm
- Liberty Mutual
- American Family
- Titan Insurance
- AAA Insurance
Cover all your bases
As you shop your coverage around, you should never skimp on critical coverages to save a buck or two. There are many occasions where drivers have reduced full coverage only to regret at claim time that the savings was not a smart move. The ultimate goal is to get the best coverage possible for the lowest price, not the least amount of coverage.
More affordable auto insurance in Plano is possible from both online companies as well as from independent agents in Plano, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance companies may not have internet price quotes and many times these regional carriers work with independent insurance agents.
Steps to finding low-cost Nissan Murano insurance in Plano
It takes a few minutes, but the best way to get affordable car insurance rates in Plano is to do an annual price comparison from insurance carriers in Texas. This can be done by completing these steps.
First, it will benefit you to learn about policy coverages and the measures you can take to prevent high rates. Many factors that drive up the price like speeding tickets, careless driving and an unfavorable credit rating can be amended by paying attention to minor details.
Second, compare rates from direct, independent, and exclusive agents. Direct and exclusive agents can only quote rates from one company like Progressive or Farmers Insurance, while agents who are independent can provide rate quotes from multiple companies. View prices
Third, compare the quotes to the price on your current policy and see if there is a cheaper rate in Plano. If you find a lower rate, ensure coverage does not lapse between policies.
The key thing to know about shopping around is to make sure you enter the same coverage limits and deductibles on each price quote and and to get rate quotes from as many car insurance companies as possible. This provides the most accurate price comparison and the best rate selection.
For more information, link through to the articles below:
- Safety Tips for Teen Drivers (Insurance Information Institute)
- How Much are Car Insurance Rates for a School Permit in Plano? (FAQ)
- Electronic Stability Control FAQ (iihs.org)
- Pickups fall short in headlight tests (Insurance Institute for Highway Safety)
- New head restraint design cuts injuries (Insurance Institute for Highway Safety)