Find Cheaper Nissan Murano Insurance in Oakland

It’s an obvious conclusion that auto insurance companies don’t want you comparing rates. Drivers who shop around annually will most likely switch car insurance companies because there is a great chance of finding a policy with more affordable rates. A study showed that people who compared rates regularly saved as much as $860 a year as compared to drivers who don’t regularly compare prices.

If finding the lowest rates on Nissan Murano insurance is your ultimate goal, then having some knowledge of the best way to shop and compare insurance can help simplify the task of finding more affordable coverage.

If you want to find the absolute lowest rates, then the best way to find the cheapest price for Nissan Murano insurance in Oakland is to compare quotes once a year from different companies in California.

1. Gain an understanding of the different coverages in a policy and the things you can change to prevent expensive coverage. Many risk factors that increase rates such as traffic citations and a not-so-good credit score can be rectified by making minor changes to your lifestyle. Continue reading for instructions to prevent high prices and find hidden discounts.
2. Request price quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only provide price estimates from a single company like Progressive or Farmers Insurance, while independent agents can give you price quotes for a wide range of insurance providers.
3. Compare the new rate quotes to the price on your current policy and see if you can save money. If you find better rates and decide to switch, verify that coverage does not lapse between policies.
4. Tell your current agent or company of your intent to cancel the current policy. Submit the completed application along with a down payment to the new company. Once coverage is bound, place the new certificate verifying proof of insurance with the vehicle registration.

One thing to point out is to try to use identical coverage information on every quote and to quote with every insurance company. This enables an apples-to-apples comparison and the best price selection.

If you are insured now or just want to save money, use these tips to save money and still have adequate protection. The purpose of this post is to let you in on how to effectively get price quotes and how you can save the most money. Smart buyers only need an understanding of the proper way to compare different rates instantly.

Cheap Nissan insurance rate quotes in Oakland

The companies shown below have been selected to offer comparison quotes in California. If multiple companies are listed, we suggest you get rate quotes from several of them in order to find the most affordable rates.

Statistics and details

The information displayed next showcases a range of insurance coverage prices for Nissan Murano models. Knowing how insurance premiums are determined can assist in making informed decisions when comparing rate quotes.

Premium data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Premium amounts do not factor in specific zip code location which can affect coverage prices greatly.

An analysis of deductible level

The hardest decision when buying coverage is how high or low should comp and collision deductibles be. The premium rates below determine the differences in price when you buy lower versus higher comp and collision deductibles. The first set of rates uses a $250 comprehensive and collision deductible and the second rate table uses a $1,000 deductible.

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Rates do not factor in specific Oakland garaging location which can revise premium rates noticeably.

We can derive from the above data that using a $250 deductible costs roughly $33 more each month or $396 for a full year averaged for all Murano models than quoting the higher $1,000 deductible. Since you would have to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you average at a minimum 23 months between claim filings, you would most likely save money if you decide on a higher deductible. The table below illustrates how you can decide this on your own policy.

One important note is that a higher deductible means you will have to pay more when you have to file a claim. You need to have some savings in the bank in order to pay more to get your vehicle repaired.

The diagram below highlights how deductible choice and can influence Nissan Murano insurance costs for different age categories. The premium estimates are based on a married female driver, full physical damage coverage, and no other discounts are factored in.

Cheaper rates with these discounts

Car insurance is not cheap, but you may qualify for discounts to reduce the price significantly. Many of these discounts will be applied automatically at the time of purchase, but a few must be specially asked for before you get the savings.

• Accident Forgiveness Coverage – This isn’t a discount exactly, but companies like GEICO and Liberty Mutual permit an accident before hitting you with a surcharge if your claims history is clear before the accident.
• Onboard Data Collection – People who choose to allow driving data submission to track driving patterns by using a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system might get better premium rates if they show good driving skills.
• Active Military Service – Being deployed in the military may lower your car insurance rates slightly.
• Discounts for Responsible Drivers – Drivers without accidents can pay as much as 50% less than their less cautious counterparts.
• Payment Discounts – If you pay your entire premium ahead of time rather than paying monthly you can avoid monthly service charges.
• Switch and Save Discount – A few larger companies give discounts for renewing your policy before your current expiration date. This discount can save up to 10%.
• Defensive Driver – Participating in a course teaching defensive driver skills may get you a small discount depending on where you live.
• Distant College Student Discount – Youth drivers who attend college more than 100 miles from Oakland without a vehicle on campus can receive lower rates.
• Anti-lock Brake System – Cars, trucks, and SUVs with ABS and/or traction control have fewer accidents and the ABS can save up to 10%.
• Discount for Passive Restraints – Cars that have air bags and/or automatic seat belt systems may get savings as much as 30%.

While discounts sound great, it’s important to understand that most discounts do not apply to the entire policy premium. Most only cut the price of certain insurance coverages like medical payments or collision. So even though you would think all those discounts means the company will pay you, you won’t be that lucky.

The information below shows the difference between Nissan Murano annual premium costs with and without discounts applied to the rates. The data assumes a male driver, no violations or claims, California state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, claim-free, multi-car, marriage, homeowner, and safe-driver discounts applied.

Companies and the discounts they provide are:

• Progressive may offer discounts for multi-vehicle, good student, online quote discount, multi-policy, online signing, and continuous coverage.
• AAA has discounts for multi-car, education and occupation, multi-policy, anti-theft, pay-in-full, and AAA membership discount.
• Farmers Insurance policyholders can earn discounts including switch companies, multi-car, good student, mature driver, and business and professional.
• GEICO offers discounts for good student, air bags, defensive driver, military active duty, and seat belt use.
• Esurance may include discounts for good driver, good student, multi-car, defensive driver, emergency road assistance, and Pac-12 alumni.
• SAFECO includes discounts for teen safety rewards, accident prevention training, safe driver, bundle discounts, anti-theft, teen safe driver, and multi-car.
• State Farm offers discounts including student away at school, safe vehicle, Steer Clear safe driver discount, Drive Safe & Save, and anti-theft.

When quoting, ask every company which discounts can lower your rates. Discounts may not apply in your area. To see car insurance companies with significant discounts in California, follow this link.

Seven Tips to Get More Affordable Oakland Insurance Premiums

When buying auto insurance it’s important to understand some of the factors that help determine the price you pay for auto insurance. When you understand what determines premiums, this enables informed choices that could help you find cheaper rates. Lots of factors are part of the calculation when you get a price on insurance. Some are obvious like your driving record, but some are less apparent such as your marital status or your financial responsibility.

The itemized list below are some of the things companies use to determine prices.

• Gender and car insurance costs – Over the last 50 years, statistics have shown that females take fewer risks when driving. The data does not necessarily mean that females are better at driving than males. Both genders have auto accidents at about the same rate, but men have accidents that have higher claims. Men also get cited for more serious violations like reckless driving and DUI.

  The information below compares Nissan Murano insurance costs for male and female drivers. The costs are based on no claims or driving violations, comprehensive and collision coverage, $500 deductibles, single status, and no discounts are factored in.

• Liability limits on your policy – Your policy’s liability coverage will protect you if ever you are found liable for causing personal injury or damage in an accident. It will provide for a legal defense to attempt to prove you were not liable. Liability is cheap when compared with rates for comp and collision, so drivers should carry high limits.

• Driving citations cost more than a fine – Drivers who don’t get tickets pay lower auto insurance prices than bad drivers. Only having one chargeable violation may cause rates to rise forty percent or more. Drivers who have gotten dangerous citations such as DWI, reckless driving or hit and run convictions might be required by their state to submit a SR-22 or proof of financial responsibility with their state in order to legally drive a vehicle.

  The chart below shows how speeding tickets and accidents drive up Nissan Murano annual premium costs for each different age category. The premiums are based on a single female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are taken into consideration.

• How many coverages with the same company – Lots of insurers afford discounts to policyholders who buy several policies from them, otherwise known as a multi-policy discount. The amount of the discounts can be ten percent or more. Even if you qualify for this discount already, it’s always a smart idea to compare other Oakland Murano insurance rates to verify if the discount is saving money. Consumers may find better rates by buying from different companies
• Small frequent auto insurance claims are not good – If you tend to file frequent claims, you should expect higher premiums or even policy non-renewal. Companies in California provide the best rates to policyholders who only file infrequent claims. Auto insurance is meant to be used in the event of larger claims.

• Performance makes a difference – The type of car you drive makes a significant difference in your rates. Small economy passenger models generally have the cheapest insurance rates, but many other things help determine your insurance rates.

  The chart below uses these variables: married female driver age 40, full coverage with $500 deductibles, and no discounts or violations. It compares Nissan Murano insurance premiums compared to other makes and models that have a range of performance rating factors.

• Never let your coverage lapse – Driving without insurance coverage in place is not a good idea and any future policy may cost more because you let your coverage cancel without a new policy in place. And not only will insurance be more expensive, failure to provide proof of insurance may earn you fines and jail time. You may then be required to file a SR-22 with the California motor vehicle department to get your license reinstated.

• Nissan Murano claim statistics – Companies analyze claim trends for every vehicle to determine a rate that will be profitable for them. Models that have a higher amount or frequency of claims will have higher rates for specific coverages. The table shown below demonstrates the actual insurance loss data for Nissan Murano vehicles.

  For each policy coverage, the claim probability for all vehicles, regardless of make, model or trim level, is represented as 100. Percentages below 100 indicate better than average losses, while numbers above 100 indicate a higher chance of having a claim or an increased chance of larger losses than average.

  
  

  Insurance Loss Ratings for Nissan Murano Vehicles

  Vehicle 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: Insurance Institute for Highway Safety for 2013-2015 Model Years

Everyone needs different car insurance coverages

When it comes to buying a policy, there really is no one size fits all plan. Your financial needs are unique so your insurance needs to address that.
Here are some questions about coverages that may help you determine whether your personal situation would benefit from professional advice.

• Does coverage follow the driver or the vehicle?
• Do I have coverage when making deliveries for my home business?
• Can I get by with minimal medical coverage if I have good health insurance?
• Exactly who is provided coverage by my policy?
• Is my trailer covered?
• Is my ex-spouse still covered by my policy?
• Am I better off with higher deductibles on my Nissan Murano?
• Is my camper covered for physical damage?
• Do I need medical payments coverage since I have good health insurance?

If you can’t answer these questions but a few of them apply then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

Independent versus exclusive insurance agents

Certain consumers just want to buy from a local agent and that is not a bad decision Licensed agents are trained risk managers and give you someone to call. One of the best bonuses of comparing auto insurance online is you may find lower rates and still buy from a local agent. Buying from local insurance agents is especially important in Oakland.

To help locate an agent, after submitting this form (opens in new window), your insurance coverage information is immediately sent to local insurance agents who will give competitive quotes to get your business. It makes it easy because there is no need to do any legwork since price quotes are sent to your email. If for some reason you want to get a comparison quote from a specific insurance company, you just need to go to their quote page and submit a quote form there.

Not all car insurance agents are the same

If you need to find a reputable insurance agent or broker, there are two different types of agents and how they are slightly different. Auto insurance agents may be either independent (non-exclusive) or exclusive. Both types can provide auto insurance policies, but it’s a good idea to understand the differences since it can affect the selection process.

Independent Agents (or Brokers)

Independent insurance agents do not write with just one company so they can write business with lots of companies and find the cheapest auto insurance rates. If they find a cheaper price, your policy is moved internally which is easy for the insured.

When comparing auto insurance rates, you will definitely want to get some free quotes from at a minimum one independent agency to have the most options to choose from. They also have the ability to place coverage with companies you’ve never heard of which can be an advantage.

Featured below are independent agencies in Oakland who may provide free auto insurance rate quotes.

• Links Insurance Services
  1155 3rd St # 220 – Oakland, CA 94607 – (925) 361-5185 – View Map
• Aviation Marine Insurance Services
  5707 Redwood Rd – Oakland, CA 94619 – (510) 530-4415 – View Map
• Film Casualty Insurance Agency
  3246 Ettie St #23 – Oakland, CA 94608 – (619) 578-3048 – View Map

View more Oakland agents

Exclusive Agencies

Exclusive agents write business for a single company like Allstate, AAA, Farmers Insurance, and State Farm. They are unable to provide prices from multiple companies so it’s a take it or leave it situation. Exclusive agents receive a lot of sales training on what they offer and that allows them to sell at a higher price point. A lot of people choose to use an exclusive agent partially due to high brand loyalty rather than low price.

Below is a short list of exclusive insurance agencies in Oakland that can give you price quotes.

• State Farm: Julie La
  3800 Park Blvd #200 – Oakland, CA 94602 – (510) 550-9775 – View Map
• Rich Kirchner – State Farm Insurance Agent
  5736 Thornhill Dr Ste 101 – Oakland, CA 94611 – (510) 339-9340 – View Map
• Farmers Insurance – Sam Cheng
  388 9th St #259 – Oakland, CA 94607 – (510) 893-3978 – View Map

View more Oakland agents

Choosing a insurance agent requires more thought than just a cheap price quote. These are some valid questions you should ask.

• Is the coverage adequate for your vehicle?
• What insurance company do they write the most business with?
• What will you get paid if your car is a total loss? How is that amount determined?
• Do they regularly work with personal auto policies in Oakland?
• In the event of vehicle damage, can you pick the collision repair facility?
• Can you get a list of referrals?
• What discounts might you be missing?

Affordable coverage is out there

Cheaper Nissan Murano insurance in Oakland can be sourced on the web and from local insurance agents, and you need to comparison shop both to have the best rate selection. Some companies do not provide rate quotes online and usually these small, regional companies only sell through independent agents.

While you’re price shopping online, make sure you don’t reduce coverage to reduce premium. Too many times, an accident victim reduced collision coverage only to discover later that the small savings ended up costing them much more. The proper strategy is to buy a smart amount of coverage at a price you can afford, but don’t skip important coverages to save money.

Helpful information

• Can I Drive Legally without Insurance? (Insurance Information Institute)
• Who Has the Cheapest Oakland Car Insurance Rates for Retired Military? (FAQ)
• What Determines the Price of My Auto Insurance Policy? (Insurance Information Institute)
• Uninsured Motorists: Threats on the Road (Insurance Information Institute)