Auto Insurance Quotes for a Nissan Murano in Philadelphia

Nissan Murano insurance image courtesy of QuoteInspector.com

Nobody that owns a car anticipates paying for car insurance, especially when they are aware that the cost is too high.

Unbelievable but true according to a study about 70% of customers kept their coverage with the same car insurance company for at least four years, and virtually 40% of consumers have never quoted rates to find lower-cost coverage. With the average car insurance premium being $1,363, Pennsylvania drivers can cut their rates by 55% a year just by getting comparison quotes, but they think it's difficult to compare rates online.

Numerous insurers battle for your insurance dollar, so it's not easy to compare every provider to discover the definitive best rate on Nissan Murano insurance in Philadelphia.

You need to get comparison quotes at least once a year because prices tend to go up over time. Even if you got the best rates on Nissan Murano insurance in Philadelphia on your last policy there may be better deals available now. Forget all the misinformation about car insurance because we're going to demonstrate the right way to reduce your cost while improving coverage.

The fastest way that we advise to compare policy rates for Nissan Murano insurance in Philadelphia is to know all the major auto insurance companies participate in a system to compare their rates. The only thing you need to do is provide a small amount of information like whether you drive to work or school, if you're married, if a SR-22 is required, and if you have a valid license. That rating data is instantly sent to multiple different insurance companies and they provide comparison quotes with very little delay.

To check rates for your Nissan Murano now, click here and find out if lower rates are available in Philadelphia.

The companies in the list below have been selected to offer price comparisons in Philadelphia, PA. If multiple providers are shown, we recommend you visit several of them to get the best price comparison.

Three reasons to insure your Murano

Despite the fact that auto insurance is not cheap in Philadelphia, insurance may not be optional for several reasons.

• Most states have mandatory liability insurance requirements which means you are required to buy specific limits of liability protection in order to be legal. In Pennsylvania these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
• If you have a lien on your Nissan Murano, it's guaranteed your bank will make it a condition of the loan that you have insurance to ensure the loan is repaid in case of a total loss. If you default on your policy, the lender may insure your Nissan for a much higher rate and force you to pay for the much more expensive policy.
• Insurance safeguards both your Nissan and your personal assets. It will also cover hospital and medical expenses for yourself as well as anyone injured by you. Liability coverage, the one required by state law, will also pay for a defense attorney if you are named as a defendant in an auto accident. If your Nissan gets damaged, comprehensive (other-than-collision) and collision coverage will cover the damage repairs after a deductible is paid.

The benefits of insuring your car definitely exceed the cost, especially when you need to use it. Today the average American driver overpays as much as $855 a year so you should quote your policy with other companies at every renewal to ensure rates are competitive.

Car insurance statistics for a Nissan Murano

The data table displayed below showcases a range of insurance costs for Nissan Murano models. Having a good grasp of how prices are calculated can be of help when making informed purchases.

Data variables include married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Rate information does not factor in the specific area where the vehicle is garaged which can influence premiums considerably.

Should you raise deductibles?

One of the hardest decisions when shopping for car insurance is what deductibles to buy. The data tables below may help to illustrate the premium difference when you select higher and lower policy deductibles. The first set of rates uses a $100 physical damage deductible and the second pricing table uses a $500 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Information does not factor in vehicle location which can affect coverage rates greatly.

We can estimate from the data above that using a $100 deductible will cost you about $23 more each month or $276 annually than buying 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 usually have at a minimum 17 months between claim filings, you would save more money if you choose a higher deductible.

The diagram below highlights how deductible choice and can change Nissan Murano premium costs for each age group. The rates are based on a married female driver, comp and collision included, and no additional discounts are factored in.

Verify you're earning every discount

Some insurers do not advertise every policy discount in a way that's easy to find, so we break down a few of the more well known and the more hidden credits available to bring down your rates.

• Lower Rates for Military - Having a deployed family member could be rewarded with lower prices.
• Anti-lock Brake System - Cars, trucks, and SUVs that have steering control and anti-lock brakes can stop better under adverse conditions and qualify for as much as a 10% discount.
• Theft Prevention Discount - Cars and trucks equipped with tracking devices and advanced anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
• Multi-line Discount - Select car insurance companies reward you with a break if you buy life insurance from them.
• Early Payment Discounts - If you pay your bill all at once instead of paying each month you may have a lower total premium amount.
• Distant Student - Older children who are enrolled in higher education away from home without a vehicle on campus may be able to be covered for less.
• Own a Home - Just being a homeowner can earn you a little savings since home ownership requires a higher level of personal finance.
• Driver's Ed - Cut your cost by having your teen driver participate in a local driver's education class in school or through a local driver safety program.
• Memberships - Joining specific professional or occupational memberships or organizations could qualify you for a break on your bill.

A little note about advertised discounts, many deductions do not apply to the whole policy. Most only cut individual premiums such as physical damage coverage or medical payments. Even though the math looks like you can get free auto insurance, that's just not realistic.

The diagram below shows the difference between Nissan Murano insurance prices with and without discounts applied to the rates. The information is based on a female driver, no accidents, no driving violations, Pennsylvania state minimum liability limits, comprehensive and collision coverage, 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, safe-driver, multi-car, homeowner, and claim-free discounts applied.

A list of companies and their offered discounts include:

• Progressive may include discounts for continuous coverage, online signing, homeowner, good student, multi-policy, and online quote discount.
• The Hartford policyholders can earn discounts including good student, anti-theft, driver training, defensive driver, vehicle fuel type, bundle, and air bag.
• Mercury Insurance includes discounts for professional/association, good driver, ease of repair, good student, multi-policy, and annual mileage.
• GEICO may offer discounts for multi-policy, anti-lock brakes, daytime running lights, military active duty, and membership and employees.
• AAA has discounts for education and occupation, good student, good driver, multi-policy, and multi-car.
• State Farm has savings for passive restraint, defensive driving training, Drive Safe & Save, multiple autos, driver's education, and student away at school.

Before purchasing a policy, check with each company which discounts they offer. Some discounts listed above may not be available in every state. To see car insurance companies that offer the discounts shown above in Pennsylvania, click here to view.

Buying car insurance from Philadelphia auto insurance agents

Some people would rather talk to a local agent and that is just fine! A good thing about comparing car insurance online is the fact that you can find the lowest rates and also buy local.

To help locate an agent, after submitting this simple form, the quote information is sent to participating agents in Philadelphia that give free quotes for your coverage. You never need to visit any agencies as quotes are delivered directly to your email. It's the lowest rates AND a local agent. If you want to compare rates from a particular provider, you would need to find their quoting web page and complete a quote there.

Finding the right insurer requires more thought than just a cheap price. Any good agent in Philadelphia should know the answers to these questions.

• Do they prorate repair cost based on vehicle mileage?
• How are claims handled?
• What is their Better Business Bureau rating?
• Are claims handled at the agent's location?
• If independent agents, which companies do they recommend?
• Do they have designations such as AIC, CPCU, or CIC?

If you are searching for a local insurance agency, you need to know there are two different types of agencies that you can choose from. Philadelphia agents are categorized either exclusive or independent.

Exclusive Agencies

Agents that elect to be exclusive generally can only insure with one company and examples are American Family, State Farm, and Allstate. Exclusive agents cannot compare rates from other companies so always compare other rates. Exclusive agents are trained well in insurance sales and that enables them to sell even at higher rates.

Below is a short list of exclusive insurance agents in Philadelphia that are able to give rate quotes.

More insurance agents

Independent Car Insurance Agencies

Agents in the independent channel do not sell for just one brand so they can write business with multiple insurance companies and help determine which has the cheapest rates. To transfer your coverage to a different company, your policy is moved internally and the insured can keep the same agent.

When searching for an agent, it's a good idea to compare quotes from at a minimum one independent agency to have the best price comparison.

Listed below is a short list of independent agents in Philadelphia willing to provide price quotes.

More insurance agents

Car insurance coverage information

Having a good grasp of your policy can help you determine which coverages you need and the correct deductibles and limits. Car insurance terms can be impossible to understand and nobody wants to actually read their policy. Below you'll find typical coverages found on the average car insurance policy.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance pay for expenses like EMT expenses, nursing services, X-ray expenses, hospital visits and surgery. They are used to fill the gap from your health insurance program or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP is not universally available and gives slightly broader coverage than med pay

Liability insurance

Liability coverage can cover damage or injury you incur to a person or their property in an accident. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 15/30/5 which means $15,000 bodily injury coverage, a total of $30,000 of bodily injury coverage per accident, and a total limit of $5,000 for damage to vehicles and property.

Liability coverage pays for things like pain and suffering, loss of income, funeral expenses, attorney fees and bail bonds. How much liability coverage do you need? That is up to you, but it's cheap coverage so purchase higher limits if possible. Pennsylvania requires drivers to carry at least 15/30/5 but you should think about purchasing higher limits.

The next chart demonstrates why buying the state minimum limits may not be enough coverage.

Collision coverage protection

This coverage pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as hitting a mailbox, sideswiping another vehicle and scraping a guard rail. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Drivers also have the option to raise the deductible on your Murano to save money on collision insurance.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants from other drivers when they are uninsured or don't have enough coverage. Covered losses include hospital bills for your injuries as well as your vehicle's damage.

Because many people carry very low liability coverage limits (Pennsylvania limits are 15/30/5), it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as hitting a deer, hitting a bird, fire damage and damage from a tornado or hurricane. The maximum amount you'll receive from a claim is the cash value of the vehicle, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

Be persistent to save money

Budget-friendly insurance in Philadelphia is attainable from both online companies as well as from independent agents in Philadelphia, and you should compare rates from both in order to have the best chance of saving money. Some insurance providers do not offer internet price quotes and usually these small, regional companies provide coverage only through independent agents.

When buying insurance coverage, don't be tempted to buy lower coverage limits just to save a few bucks. There are a lot of situations where consumers will sacrifice uninsured motorist or liability limits only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your objective should be to buy a smart amount of coverage at the lowest possible cost, but don't skip important coverages to save money.

More detailed insurance information is available at these sites:

• Collision Coverage (Liberty Mutual)
• What Auto Insurance is Cheapest for a Toyota Corolla in Philadelphia? (FAQ)
• Who Has the Cheapest Auto Insurance for a Subaru Outback in Philadelphia? (FAQ)
• Who Has the Cheapest Philadelphia Auto Insurance for Unemployed Drivers? (FAQ)
• Who Has the Cheapest Philadelphia Auto Insurance for Lyft Drivers? (FAQ)
• Side Impact Crash Tests (iihs.org)
• Teen Driver Licensing Information (iihs.org)