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.

Insurance rates Nissan Murano in OaklandIf 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.

Nissan Murano Insurance Rates in Oakland, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Murano S 2WD $238 $454 $464 $28 $138 $1,322 $110
Murano S AWD $238 $454 $464 $28 $138 $1,322 $110
Murano SL 2WD $238 $454 $464 $28 $138 $1,322 $110
Murano SL AWD $238 $454 $464 $28 $138 $1,322 $110
Murano LE 2WD $270 $536 $464 $28 $138 $1,436 $120
Murano LE AWD $270 $536 $464 $28 $138 $1,436 $120
Get Your Own Custom Quote Go

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.

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
Get Your Own Custom Quote Go

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
Get Your Own Custom Quote Go

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.

Average monthly premium for $250 deductibles: $133
Average monthly premium for $1,000 deductibles (subtract): – $100
Monthly savings from raising deductible: $33
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $33
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 23 months

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.Save money with discounts

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:

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.

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.Higher deductibles save money
Here are some questions about coverages that may help you determine whether your personal situation would benefit from professional advice.

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.

Insurance agency in OaklandTo 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.

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.

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.

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