Nissan Murano Insurance Rates in Sacramento

Insurance for Nissan MuranoThe recommended way to get discount car insurance rates in Sacramento is to do a yearly price comparison from companies that insure vehicles in California.

A tip to remember is that you’ll want to compare identical limits and deductibles on each quote request and and to get price estimates from every company you can. Doing this enables a fair rate comparison and the best price selection.

Sad but true, the vast majority of drivers have been with the same company for at least four years, and just short of a majority have never compared rate quotes at all. American drivers can save almost $859 each year by just shopping around, but most tend to underestimate the rate savings if they swap their current policy for a cheaper one.

Buying affordable insurance in Sacramento is not rocket science. If you currently have a car insurance policy, you stand a good chance to be able to get lower rates using these tips. Drivers only have to learn the quickest way to quote multiple rates using one simple form.

How Your Murano Insurance Rates are Determined

Multiple criteria are used in the calculation when premium rates are determined. Some of the criteria are obvious like your driving record, but other factors are less obvious like your continuous coverage or your financial responsibility. One of the most helpful ways to save on car insurance is to to have a grasp of the different types of things that come into play when calculating your premiums. If you have some idea of what impacts premium levels, this allows you to make educated decisions that could help you find cheaper rates.

Auto insurance statistics for a Nissan Murano

The price information displayed below highlights detailed analysis of prices for Nissan Murano models. Learning more about how rates are calculated is important for making decisions on which insurance to purchase.

Nissan Murano Insurance Rates in Sacramento, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Murano S 2WD $372 $790 $534 $32 $160 $1,888 $157
Murano S AWD $372 $790 $534 $32 $160 $1,888 $157
Murano SL 2WD $372 $790 $534 $32 $160 $1,888 $157
Murano SL AWD $372 $790 $534 $32 $160 $1,888 $157
Murano LE 2WD $420 $930 $534 $32 $160 $2,076 $173
Murano LE AWD $420 $930 $534 $32 $160 $2,076 $173
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Prices based on single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Rate quotes do not factor in Sacramento location which can raise or lower price quotes greatly.

Physical damage deductible comparison

The hardest decision when buying coverage is which comprehensive and collision deductibles to buy. The premium rates below lay out the rate difference when you select higher and lower physical damage deductibles. The first table uses a $100 deductible for comprehensive and collision coverage and the second set of prices uses a $500 deductible.

Nissan Murano insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Murano S 2WD $380 $686 $442 $26 $132 $1,691 $141
Murano S AWD $380 $686 $442 $26 $132 $1,691 $141
Murano SL 2WD $380 $686 $442 $26 $132 $1,691 $141
Murano SL AWD $380 $686 $442 $26 $132 $1,691 $141
Murano LE 2WD $430 $810 $442 $26 $132 $1,865 $155
Murano LE AWD $430 $810 $442 $26 $132 $1,865 $155
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Nissan Murano insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Murano S 2WD $278 $464 $442 $26 $132 $1,342 $112
Murano S AWD $278 $464 $442 $26 $132 $1,342 $112
Murano SL 2WD $278 $464 $442 $26 $132 $1,342 $112
Murano SL AWD $278 $464 $442 $26 $132 $1,342 $112
Murano LE 2WD $314 $546 $442 $26 $132 $1,460 $122
Murano LE AWD $314 $546 $442 $26 $132 $1,460 $122
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Premium costs do not factor in the specific area where the vehicle is garaged which can affect premium rates significantly.

Based on these figures, using a $100 deductible will cost you roughly $31 more each month or $372 a year than choosing the higher $500 deductible. Because you would be required to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you normally go more than 13 months between claim filings, you would save money if you elect the higher deductible.

How to decide to raise your deductibles

Average monthly premium for $100 deductibles: $146
Average monthly premium for $500 deductibles (subtract): – $115
Monthly savings from raising deductible: $31
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $31
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 13 months

An important sidenote is that raising deductibles means you will have to cover more of the damage yourself when you have to file a claim. You need to have some extra savings in the event you have to pay the deductible.

The illustration below highlights how deductible choice and can change Nissan Murano premium costs for different ages of insureds. The rates are based on a single male driver, full coverage, and no other discounts are factored in.

Impact of citations and accidents on insurance rates

The diagram below demonstrates how citations and at-fault accidents impact Nissan Murano auto insurance rates for different categories of driver ages. The premiums assume a married male driver, full physical damage coverage, $100 deductibles, and no policy discounts are applied.

Nissan Murano full coverage rates compared to liability only

The example below illustrates the comparison of Nissan Murano yearly insurance costs with full coverage and liability only. Data assumes no claims or violations, $1,000 deductibles, drivers are not married, and no policy discounts are applied.

When to eliminate full coverage

There isn’t a written rule to stop paying for full coverage on your policy, but there is a general guideline. If the annual cost of coverage is more than 10% of the replacement cost minus the deductible, then it might be time to buy liability only.

For example, let’s assume your Nissan Murano replacement cost is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most you would receive is $8,000 after paying your policy deductible. If it’s costing in excess of $800 a year for physical damage coverage, then you might want to consider buying only liability coverage.

There are some scenarios where dropping full coverage is not recommended. If you still have a loan on your vehicle, you must maintain physical damage coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should not remove full coverage.

These discounts can cut Nissan Murano insurance rates

Car insurance is not cheap, but you might already qualify for some discounts that can dramatically reduce your bill. Many of these discounts will be applied automatically at the time you complete a quote, but less common discounts must be requested specifically before you will receive the discount.Cheaper insurance with discounts

It’s important to understand that some of the credits will not apply to the whole policy. Most only apply to individual premiums such as physical damage coverage or medical payments. Despite the appearance that it’s possible to get free car insurance, companies wouldn’t make money that way.

The illustration below shows the difference between Nissan Murano insurance premiums with and without discounts applied to the rates. The premiums assume a female driver, a clean driving record, no at-fault accidents, California state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, multi-car, safe-driver, claim-free, and homeowner discounts applied.

Larger insurance companies and some of the discounts are:

If you need the cheapest Nissan Murano rate quotes, ask all companies you are considering to give you their best rates. A few discounts might not be offered on policies in Sacramento. If you would like to choose from a list of companies that offer many of these discounts in Sacramento, click this link.

Don’t give up on cheaper rates

As you restructure your insurance plan, it’s very important that you do not skimp on critical coverages to save a buck or two. In many instances, an insured dropped liability coverage limits only to regret at claim time they didn’t purchase enough coverage. The goal is to get the best coverage possible at the lowest possible cost, but do not skimp to save money.

We just covered many ways to lower your Nissan Murano insurance prices in Sacramento. It’s most important to understand that the more rate comparisons you have, the better your chances of lowering your rates. You may even find the best price on auto insurance is with a small mutual company. These smaller insurers can often insure niche markets at a lower cost compared to the large companies like GEICO and State Farm.

Cost effective Nissan Murano insurance is possible online and also from your neighborhood Sacramento agents, so you need to quote Sacramento auto insurance with both to have the best chance of lowering rates. Some auto insurance companies may not offer price quotes online and usually these small, regional companies work with independent agents.

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