Find Cheaper Nissan Murano Insurance in Jersey City

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Nissan Murano insurance cost
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Insurance rates Nissan Murano in Jersey CityAre you overwhelmed by the crazy number of auto insurance companies in your area? Many other drivers are as well. New Jersey people have such a large number of options that it can be a burden to find the best rates for Nissan Murano insurance in Jersey City. Everyone knows that Jersey City is an awesome place to live, but getting gouged by high auto insurance rates makes it difficult to be able to afford adequate coverage.

Steps to buying lower priced Nissan Murano insurance in Jersey City

Really, the only way to find low-cost prices for Nissan Murano insurance is to annually compare prices from insurers in Jersey City.

  1. Try to comprehend the coverage provided by your policy and the factors you can control to keep rates down. Many policy risk factors that cause rate increases like speeding tickets, careless driving and an unfavorable credit rating can be rectified by paying attention to minor details.
  2. Compare price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can provide rates from a single company like GEICO or Farmers Insurance, while agents who are independent can provide rate quotes for a wide range of insurance providers.
  3. Compare the quotes to your current policy and see if there is a cheaper rate in Jersey City. If you find a lower rate and make a switch, make sure there is no lapse in coverage.

A valuable tip to remember is that you'll want to make sure you compare the same coverage limits and deductibles on each quote and and to get price quotes from every company you can. Doing this guarantees a fair price comparison and a thorough price selection.

We don't have to point out that fact that insurance companies don't want their policyholders to compare prices. Drivers who compare other prices are highly likely to switch auto insurance companies because there is a significant possibility of finding better rates. A recent auto insurance study discovered that consumers who regularly shopped around saved over $865 a year as compared to drivers who never shopped around for better prices.

If finding the lowest rates on insurance is the reason you're here, then having an understanding of the best way to compare auto insurance can make it easier to shop your coverage around.

Companies offering Nissan Murano insurance in Jersey City

The companies shown below provide quotes in New Jersey. To buy the best auto insurance in New Jersey, we recommend you get prices from several of them to get the best price comparison.

Car insurance statistics and figures

The premium information below outlines a range of coverage costs for Nissan Murano models. Learning a little about how auto insurance premiums are established can aid in making smart policy decisions.

Nissan Murano Insurance Rates in Jersey City, NJ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Murano S 2WD $198 $386 $504 $30 $152 $1,270 $106
Murano S AWD $198 $386 $504 $30 $152 $1,270 $106
Murano SL 2WD $198 $386 $504 $30 $152 $1,270 $106
Murano SL AWD $198 $386 $504 $30 $152 $1,270 $106
Murano LE 2WD $222 $454 $504 $30 $152 $1,362 $114
Murano LE AWD $222 $454 $504 $30 $152 $1,362 $114
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Prices based on married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and New Jersey minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Rate quotes do not factor in zip code location which can increase or decrease coverage prices considerably.

An analysis of deductible level

One of the hardest decisions when shopping for car insurance is where to set your physical damage deductibles. The comparison tables below can help you visualize the differences in premium rates when you choose different deductibles. The first set of prices uses a $100 deductible for comp and collision and the second rate table uses a $500 deductible.

Nissan Murano insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Murano S 2WD $414 $746 $480 $28 $144 $1,837 $153
Murano S AWD $414 $746 $480 $28 $144 $1,837 $153
Murano SL 2WD $414 $746 $480 $28 $144 $1,837 $153
Murano SL AWD $414 $746 $480 $28 $144 $1,837 $153
Murano LE 2WD $466 $880 $480 $28 $144 $2,023 $169
Murano LE AWD $466 $880 $480 $28 $144 $2,023 $169
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Nissan Murano insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Murano S 2WD $302 $504 $480 $28 $144 $1,458 $122
Murano S AWD $302 $504 $480 $28 $144 $1,458 $122
Murano SL 2WD $302 $504 $480 $28 $144 $1,458 $122
Murano SL AWD $302 $504 $480 $28 $144 $1,458 $122
Murano LE 2WD $340 $594 $480 $28 $144 $1,586 $132
Murano LE AWD $340 $594 $480 $28 $144 $1,586 $132
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and New Jersey minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Price information does not factor in vehicle location which can influence auto insurance rates substantially.

We can derive from the above data that using a $100 deductible will cost you about $33 more each month or $396 a year than opting for the higher $500 deductible. Since you would pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you go more than 12 months between claim filings, you would more than likely save some money by going with a higher deductible. Below is how you can perform this determination yourself.

Average monthly premium for $100 deductibles: $158
Average monthly premium for $500 deductibles (subtract): - $125
Monthly savings from raising deductible: $33
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $33
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 12 months

The diagram below shows how choosing a deductible and can increase or decrease Nissan Murano annual premium costs for each different age category. The rate quotes are based on a single male driver, full physical damage coverage, and no discounts are applied.

Smart Buyers Know How to Quote Auto Insurance for Less

Consumers need to have an understanding of the factors that come into play when calculating the rates you pay for auto insurance. If you have some idea of what determines premiums, this enables informed choices that may reward you with lower rates.

More stress means more cost - Did you know your occupation can influence how much you pay for auto insurance? Careers like doctors, architects, and miners have higher rates than the rest of us due to high stress and lots of time spent at work. Other occupations like farmers, athletes and the unemployed get better rates.

Raise your comp and collision deductibles for better premiums - Physical damage coverage, also called comprehensive and collision insurance, covers your vehicle from damage. A few examples of covered claims are a dented fender, flood damage, and damage caused by flying debris. The deductibles you choose tell how much you are willing to pay if you file a covered claim. The more you're willing to pay, the better rate you will receive.

Reserve policy claims for larger damages - Auto insurance companies in New Jersey generally give most affordable rates to drivers who are claim-free. If you tend to file frequent claims, you can look forward to much higher rates or policy non-renewal. Auto insurance is meant to be used in the event of larger claims.

Liability coverage preserves assets - Your policy's liability coverage will afford coverage when you are found liable for physical damage or personal injury to other. It will provide you with a defense in court which can cost thousands of dollars. Liability insurance is quite affordable compared to comp and collision, so buy as much as you can afford.

Tickets are costly - Having a single citation could increase your next policy renewal substantially. Attentive drivers have lower premiums than people who have multiple driving citations. Drivers who get careless citations such as DUI, reckless driving or excessive speeding may need to submit a SR-22 form with their state's licensing department in order to drive a vehicle legally.

The diagram below illustrates how speeding tickets and at-fault collisions can influence Nissan Murano auto insurance rates for different age groups of insureds. The costs are based on a single male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied.

Loss statistics for a Nissan Murano - Insurance companies study historical loss data in order to profitably underwrite each model. Vehicles that have a trend towards higher claims will have a higher cost to insure.

The information below illustrates the historical loss data for Nissan Murano vehicles. For each coverage type, the claim amount for all vehicles averaged together is represented as 100. Values that are under 100 indicate better than average losses, while values over 100 point to more claims or tendency to have larger claims.

Auto Insurance Loss Data for Nissan Murano Models
Specific Nissan 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
BETTER
AVERAGE
WORSE

Empty fields indicate not enough data collected
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Get cheap Nissan Murano insurance in Jersey City with discounts

Car insurance can be pricey, but there are discounts available to reduce the price significantly. Certain discounts will be triggered automatically when you quote, but a few need to be manually applied before you will receive the discount. If you are not receiving all the discounts possible, you're paying more than you need to.Cheaper car insurance with discounts

  • Federal Employees - Being employed by or retired from a federal job could qualify for a slight premium decrease depending on your company.
  • Driver's Ed - Teen drivers should participate in a local driver's education class if it's offered in school.
  • E-sign Discounts - Some car insurance companies may give you up to $50 for buying your policy online.
  • Save with More Vehicles Insured - Buying a policy with all your vehicles with the same company can get a discount on all vehicles.
  • Active Service Discounts - Having a deployed family member may qualify for rate reductions.
  • Jersey City Homeowners Discount - Owning a house in Jersey City may trigger a policy discount on car insurance because maintaining a house demonstrates responsibility.
  • Savings for New Vehicles - Buying a new car instead of a used Murano can save you some money compared to insuring an older model.
  • Safety Restraint Discount - Drivers who always wear seat belts and also require passengers to fasten their seat belts could save 15% on the premium charged for medical payments and/or PIP.
  • One Accident Forgiven - Not necessarily a discount, but companies like GEICO and Allstate will let one accident slide before hitting you with a surcharge if you are claim-free for a certain period of time.

You should keep in mind that most discount credits are not given to the whole policy. Most only cut the price of certain insurance coverages like liability and collision coverage. Even though the math looks like you would end up receiving a 100% discount, company stockholders wouldn't be very happy.

The illustration below visualizes the comparison of Nissan Murano insurance costs with and without some available policy discounts. Data assumes a female driver, no claims or driving violations, New Jersey state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, claim-free, multi-policy, multi-car, and marriage discounts applied.

Popular car insurance companies and a selection of discounts can be found below.

  • State Farm may offer discounts for anti-theft, safe vehicle, defensive driving training, accident-free, Drive Safe & Save, and driver's education.
  • Nationwide offers premium reductions for multi-policy, good student, defensive driving, family plan, and anti-theft.
  • GEICO discounts include emergency military deployment, five-year accident-free, multi-vehicle, daytime running lights, anti-theft, driver training, and multi-policy.
  • AAA may include discounts for pay-in-full, multi-car, education and occupation, good driver, AAA membership discount, good student, and anti-theft.
  • 21st Century has discounts for 55 and older, theft prevention, teen driver, good student, anti-lock brakes, and driver training.
  • The Hartford includes discounts for defensive driver, vehicle fuel type, anti-theft, good student, bundle, driver training, and air bag.

Before buying, ask all the companies which discounts you qualify for. Discounts might not apply in Jersey City. For a list of companies with discount car insurance rates in New Jersey, follow this link.

When do I need to contact an agent?

Some people just prefer to get advice from a local agent and doing so can bring peace of mind A nice benefit of getting free rate quotes online is the fact that you can find lower prices and still have an agent to talk to.

Jersey City insurance agentsUpon completion of this quick form, your insurance coverage information is transmitted to insurance agents in Jersey City that give free quotes and help you find cheaper coverage. You won't even need to leave your computer since rate quotes are delivered immediately to you. It's the lowest rates and work with a local agent. If for some reason you want to get a rate quote from a particular provider, you just need to search and find their rate quote page to submit a rate quote request.

Finding the right insurance company is decision based upon more than just a cheap price quote. These are some questions you should get answers to.

  • Are they in the agency full-time?
  • Will the agent help in case of a claim?
  • Does their agency support local causes in Jersey City?
  • Are they able to provide referrals?
  • Does the agency have a good rating with the Better Business Bureau?
  • Will one accident increase rates?

Different types of Jersey City car insurance agents

When researching a reputable agency, it's important to understand the different types of agents that differ in how they can insure your vehicles. Agents in Jersey City are categorized either independent agents or exclusive agents.

Exclusive Insurance Agencies

Agents that choose to be exclusive can only provide pricing for a single company like Allstate, AAA, Farmers Insurance, and State Farm. Exclusive agents are unable to provide other company's prices so keep that in mind. Exclusive agents are well schooled on sales techniques and that allows them to sell at a higher price point. Consumers frequently use the same agent partially due to the prominence of the brand rather than low price.

Below are Jersey City exclusive insurance agencies that can give you comparison quotes.

More Jersey City agents

Independent Insurance Agents

These type of agents do not work for one specific company so they have the ability to put coverage with many different companies and help determine which has the cheapest rates. To move your coverage to a new company, they simply move the coverage in-house and you don't have to find a new agent. When comparing insurance prices, you will definitely want to get some free quotes from several independent agencies so that you have a good selection of quotes to compare. They often place coverage with lesser-known insurance companies which may provide better rates.

The following is a list of independent agencies in Jersey City that are able to give comparison quotes.

  • GG Insurance - Independent Insurance Agent
    270 Marin Boulevard, Metropolis Towers Suite #14D - Jersey City, NJ 07302 - (800) 801-0394 - View Map
  • GIM Agency Services Inc
    263 Central Ave - Jersey City, NJ 07307 - (201) 792-4188 - View Map
  • Dieugrand Insurance
    582 West Side Ave - Jersey City, NJ 07304 - (201) 209-1306 - View Map

More Jersey City agents

If you feel you receive reasonable responses to your questions and a good coverage price, you may have just found an insurance agency that meets the requirements to properly service your insurance policy. Keep in mind you are entitled to cancel your policy for any reason so don't feel that you are obligated to a specific company indefinitely.

Persistence will pay off

We just covered some good ideas how you can get a better price on Nissan Murano insurance in Jersey City. The most important thing to understand is the more rate quotes you have, the higher your chance of finding inexpensive Jersey City car insurance quotes. Consumers could even find that the biggest savings come from a company that doesn't do a lot of advertising.

Drivers change insurance companies for a variety of reasons including being labeled a high risk driver, questionable increases in premium, poor customer service and even extreme rates for teen drivers. Regardless of your reason, finding a new auto insurance company is pretty simple and you could end up saving a buck or two.

When shopping online for auto insurance, it's a bad idea to reduce coverage to reduce premium. There have been many cases where an accident victim reduced full coverage only to discover later that the few dollars in savings costed them thousands. Your objective should be to get the best coverage possible at the lowest possible cost while not skimping on critical coverages.

Steps to finding cheaper rates for Nissan Murano insurance in Jersey City

If you want to save the most money, the best way to find affordable quotes for car insurance rates in Jersey City is to annually compare prices from insurers that sell auto insurance in New Jersey.

  1. Get a basic knowledge of coverages and the factors you can control to prevent rate increases. Many factors that result in higher rates such as inattentive driving and an imperfect credit rating can be improved by improving your driving habits or financial responsibility.
  2. Get rate quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can only provide price estimates from a single company like GEICO or State Farm, while independent agents can give you price quotes from multiple companies. View a list of agents
  3. Compare the new rate quotes to your current policy and determine if cheaper Murano coverage is available. If you can save money and switch companies, ensure coverage does not lapse between policies.

One thing to point out is that you'll want to compare the same liability limits and deductibles on each quote request and and to get rates from as many auto insurance providers as possible. Doing this provides the most accurate price comparison and the best price selection.

Much more information about auto insurance in New Jersey is available below: