Cheap Insurance for a Nissan Murano in San Jose

It goes without saying that car insurance companies don’t want you to look for a cheaper policy. Insureds who shop around for better prices will probably buy a new policy because there is a significant possibility of finding good coverage at a lower price. A recent survey revealed that consumers who compared rates annually saved approximately $3,500 over four years compared to drivers who never shopped around for lower prices.

If finding the cheapest rates on auto insurance in San Jose is the reason for your visit, then understanding how to quote prices and compare insurance can save money and time.

Insurance quote for Nissan Murano in San JoseIf you want to save the most money, the best way to get the cheapest Nissan Murano insurance in San Jose is to compare prices annually from providers in California.

  1. Read about how car insurance works and the things you can control to lower rates. Many things that result in higher prices like speeding tickets, accidents and a bad credit score can be amended by making minor changes to your lifestyle.
  2. Compare price quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can only give rate quotes from a single company like GEICO or Farmers Insurance, while independent agents can provide price quotes for a wide range of companies.
  3. Compare the new rate quotes to the premium of your current policy to see if you can save by switching companies. If you can save money and make a switch, make sure there is no lapse between the expiration of your current policy and the new one.
  4. Provide written notification to your current company of your intention to cancel your current auto insurance policy. Submit the signed application along with the required initial payment to the new company. Once coverage is bound, keep your new certificate verifying proof of insurance in an accessible location in your vehicle.

A key point to remember is to make sure you’re comparing the same deductibles and limits on each quote request and and to get rates from as many carriers as you can. Doing this provides a fair price comparison and the most accurate and complete price analysis.

Rates and data analysis

The information below showcases estimates of insurance costs for Nissan Murano models. Learning more about how insurance policy rates are established can assist in making informed decisions when shopping around for a new policy.

Nissan Murano Insurance Rates in San Jose, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Murano S 2WD $182 $354 $464 $28 $138 $1,166 $97
Murano S AWD $182 $354 $464 $28 $138 $1,166 $97
Murano SL 2WD $182 $354 $464 $28 $138 $1,166 $97
Murano SL AWD $182 $354 $464 $28 $138 $1,166 $97
Murano LE 2WD $204 $418 $464 $28 $138 $1,252 $104
Murano LE AWD $204 $418 $464 $28 $138 $1,252 $104
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Prices based on married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Price estimates do not factor in zip code location which can change coverage rates greatly.

Policy deductibles

One common question asked by San Jose drivers is how low should you set your deductibles. The data tables below can help you understand the rate difference between high and low policy deductibles. The first table uses a $250 physical damage deductible and the second set of rates uses a $1,000 deductible.

Nissan Murano insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Murano S 2WD $342 $576 $442 $26 $132 $1,543 $129
Murano S AWD $342 $576 $442 $26 $132 $1,543 $129
Murano SL 2WD $342 $576 $442 $26 $132 $1,543 $129
Murano SL AWD $342 $576 $442 $26 $132 $1,543 $129
Murano LE 2WD $386 $678 $442 $26 $132 $1,689 $141
Murano LE AWD $386 $678 $442 $26 $132 $1,689 $141
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Nissan Murano insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Murano S 2WD $210 $362 $442 $26 $132 $1,172 $98
Murano S AWD $210 $362 $442 $26 $132 $1,172 $98
Murano SL 2WD $210 $362 $442 $26 $132 $1,172 $98
Murano SL AWD $210 $362 $442 $26 $132 $1,172 $98
Murano LE 2WD $238 $426 $442 $26 $132 $1,264 $105
Murano LE AWD $238 $426 $442 $26 $132 $1,264 $105
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Premium costs do not factor in the specific area where the vehicle is garaged which can influence coverage prices considerably.

Based on this data, we can arrive at the conclusion that using a $250 deductible costs roughly $33 more each month or $396 annually across all Nissan Murano models than buying the higher $1,000 deductible. Because you would pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you have at a minimum 23 months between claims, you would save money if you opt for a higher deductible.

The example below shows how choosing a deductible and can impact Nissan Murano insurance premiums for different age groups. Data assumes a married female driver, full coverage, and no discounts are applied to the premium.

Learn How to Lower Your Insurance Rates

One of the most helpful ways to save on car insurance is to to have a grasp of some of the factors that help calculate the rates you pay for car insurance. If you have some idea of what influences your rates, this allows you to make good choices that can earn you much lower annual insurance costs.

Teenagers vs. experienced drivers – Teen drivers in California tend to be less responsible with other occupants in the car and because of this, their car insurance rates are much higher. Older drivers have been proven to be more responsible, tend to file fewer claims, and tend to be get fewer driving tickets.

The following chart uses these assumptions: single driver, full coverage with $100 deductibles, and no discounts or violations.

Better rates on cars with good safety ratings – Safe vehicles tend to have better insurance rates. The safest vehicles reduce occupant injuries and lower injury rates means your insurance company pays less which can mean better rates for you.

Cheaper rates with high deductibles – Insurance for physical damage to your car, also called comprehensive and collision insurance, is used to repair damage to your Nissan. Examples of some claims that would be covered could be collision with another vehicle, damage from fire, and windstorm damage. The deductibles you choose tell how much you are required to spend before a claim is paid by your company. The more money the insured has to pay upfront, the less your company will charge you for insurance.

Married drivers get cheaper rates – Having a wife or husband may cut your premiums on your policy. Having a significant other translates into being more stable financially and statistics prove married drivers get in fewer accidents.

Do males or females drive better? – Statistics show women tend to be less risk to insure than men. The data does not necessarily mean that females are better at driving than males. Females and males cause fender benders at a similar rate, but the men tend to have higher claims. Not only that, but men also get cited for more serious violations such as reckless driving. Teenage male drivers have the highest risk to insure and therefore pay the highest rates.

The example below shows the difference between Nissan Murano yearly insurance costs for male and female drivers. The rate quotes are based on no violations or claims, comp and collision included, $1,000 deductibles, marital status is single, and no additional discounts are factored in.

Too many car insurance claims and you’ll pay more – If you tend to file frequent claims, you can pretty much guarantee either higher rates or even cancellation. Insurance companies in California award discounts to drivers who are claim-free. Auto insurance is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.

Liability coverage – Liability insurance is the coverage that protects you if you are determined to be liable for causing damage or personal injury in an accident. Your liability coverage provides you with a defense in court which can be incredibly expensive. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so insureds should have plenty of protection for their assets.

Driving citations can be expensive – Drivers with clean records pay less for auto insurance than their less careful counterparts. Even a single chargeable violation can increase rates to the point where it’s not affordable. People who have severe violations like DUI, reckless driving or excessive speeding may find they need to file a SR-22 with their state’s department of motor vehicles in order to drive a vehicle legally.

The example below demonstrates how speeding tickets and at-fault accidents increase Nissan Murano car insurance rates for each age group. The data is based on a single female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied to the premium.

Insurance losses for a Nissan Murano – Insurers study historical loss data to calculate a rate that offsets possible losses. Vehicles that are shown to have higher prevalence or dollar amount of losses will have higher rates for specific coverages. The table shown below demonstrates the historical insurance loss data for Nissan Murano vehicles.

For each coverage category, the claim probability for all vehicles, without regard to make or model, equals 100. Values that are 100 or less are indicative of better than average losses, while numbers shown that are more than 100 indicate higher probability of having a loss or an increased likelihood of larger losses.

Nissan Murano Insurance Loss Statistics
Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Nissan Murano 4dr 2WD 79 105
Nissan Murano 4dr 4WD 102 66 98 84

Empty fields indicate not enough data collected
Statistics from for 2013-2015 Model Years

Shop around and save

As you shop your coverage around, it’s very important that you do not reduce needed coverages to save money. There are too many instances where drivers have reduced liability coverage limits and discovered at claim time that the small savings ended up costing them much more. Your objective should be to get the best coverage possible for the lowest cost, but do not skimp to save money.

Throughout this article, we presented many tips how you can reduce Nissan Murano insurance prices online in San Jose. It’s most important to understand that the more you quote San Jose car insurance, the more likely it is that you will get a better rate. You may even be surprised to find that the best prices are with an unexpected company.

Some insurance companies do not provide the ability to get a quote online and these regional insurance providers only sell coverage through local independent agents. The cheapest Nissan Murano insurance in San Jose can be bought online in addition to many San Jose insurance agents, and you need to price shop both to have the best rate selection.

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