How long has it been since you sat down and looked for more competitive Nissan Murano insurance in Los Angeles? Locating budget Los Angeles Nissan Murano insurance quotes on the internet might appear intimidating for people new to buying their car insurance online. With such a large choice of companies in the marketplace, how can anyone have time to compare every one to find the best pricing?
We don’t have to point out that fact that insurance companies don’t want you comparing rates. People who shop around once a year will presumably buy a new policy because there is a good chance of finding discount prices. A recent survey revealed that consumers who compared rate quotes regularly saved approximately $865 a year compared to drivers who never shopped around for cheaper prices.
If finding budget-friendly Nissan Murano insurance is the reason for your visit, then learning about how to quote and compare car insurance can make the process less intimidating.
You should take the time to get comparison quotes occasionally because prices trend upward over time. Even if you got the best price on Nissan Murano insurance in Los Angeles a few years ago other companies may now be cheaper. Ignore everything you know about car insurance because you’re going to learn the things you must know in order to lower your annual insurance bill.
Determine discounts to get cheap Los Angeles auto insurance quotes
Some insurers don’t always publicize all available discounts in an easy-to-find place, so the following list contains both the well known in addition to some of the lesser obvious credits available to lower your premiums when you buy Los Angeles auto insurance online. If you check and find you aren’t receiving every discount you deserve, it’s possible you qualify for a lower rate.
- College Student Discount – Children living away from Los Angeles attending college and don’t have a car can receive lower rates.
- Pay Upfront and Save – If paying your policy premium upfront rather than paying monthly you could save 5% or more.
- Membership in Organizations – Belonging to a civic or occupational organization in Los Angeles may earn a discount on auto insurance.
- Government Employees – Active or retired federal employment can save as much as 8% depending on your auto insurance provider.
- Drive Less and Save – Driving less could earn cheaper premium rates.
- Anti-lock Brake System – Cars and trucks with ABS braking systems or traction control are much safer to drive and will save you 10% or more on Murano insurance in Los Angeles.
- Accident-Free Discounts – Claim-free drivers pay much less as opposed to accident-prone drivers.
- Driver’s Education for Students – Reduce the cost of insurance for teen drivers by having them participate in a local driver’s education class in high school.
As a disclaimer on discounts, most credits do not apply to the whole policy. Most cut individual premiums such as medical payments or collision. Even though the math looks like it’s possible to get free car insurance, it doesn’t quite work that way.
The chart below shows the difference between Nissan Murano yearly insurance costs with and without discounts applied to the policy premium. Data assumes a male driver, no accidents, no driving violations, California state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, homeowner, multi-policy, claim-free, safe-driver, and multi-car discounts applied.
A list of companies and a selection of discounts include:
- State Farm has savings for good driver, good student, anti-theft, defensive driving training, accident-free, and driver’s education.
- Nationwide policyholders can earn discounts including good student, easy pay, multi-policy, defensive driving, and Farm Bureau membership.
- GEICO offers discounts including defensive driver, seat belt use, daytime running lights, military active duty, multi-policy, and five-year accident-free.
- AAA may offer discounts for AAA membership discount, anti-theft, multi-car, pay-in-full, and good driver.
- 21st Century offers discounts for driver training, good student, automatic seat belts, early bird, and student driver.
- The Hartford offers premium reductions for vehicle fuel type, defensive driver, air bag, good student, bundle, anti-theft, and driver training.
Before you buy a policy, ask every insurance company to apply every possible discount. Some discounts might not be offered in Los Angeles.
Just remember that obtaining a wide range of quotes helps locate a lower rate.
The following companies are ready to provide free rate quotes in Los Angeles, CA. If the list has multiple companies, it’s a good idea that you click on several of them in order to find the most affordable rates.
Nissan Murano coverage statistics
The coverage information shown below highlights estimates of policy rates for Nissan Murano models. Having insight into how insurance prices are determined can be useful when making smart policy decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Murano S 2WD | $278 | $464 | $442 | $26 | $132 | $1,342 | $112 |
| Murano S AWD | $278 | $464 | $442 | $26 | $132 | $1,342 | $112 |
| Murano SL 2WD | $278 | $464 | $442 | $26 | $132 | $1,342 | $112 |
| Murano SL AWD | $278 | $464 | $442 | $26 | $132 | $1,342 | $112 |
| Murano LE 2WD | $314 | $546 | $442 | $26 | $132 | $1,460 | $122 |
| Murano LE AWD | $314 | $546 | $442 | $26 | $132 | $1,460 | $122 |
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Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Estimates do not factor in specific garaging location which can affect prices substantially.
Impact of citations and accidents on insurance rates
The chart below demonstrates how traffic citations and at-fault accidents raise Nissan Murano auto insurance costs for different insured age categories. The premiums are based on a married female driver, comp and collision included, $500 deductibles, and no discounts are factored in.
Nissan Murano insurance costs by gender and age
The information below illustrates the difference between Nissan Murano insurance costs for male and female drivers. The premium estimates are based on a clean driving record, no at-fault accidents, comp and collision included, $500 deductibles, single marital status, and no discounts are factored in.
Nissan Murano liability rates compared to full coverage
The diagram below illustrates the comparison of Nissan Murano insurance premiums with full coverage and liability only. The costs are based on a clean driving record, no at-fault accidents, $100 deductibles, single marital status, and no discounts are factored in.
When to drop full coverage
There is no set guideline for excluding physical damage insurance, but there is a general guideline. If the annual cost of comprehensive and collision coverage is more than around 10% of the vehicle’s replacement cost less your deductible, then you might consider buying liability only.
For example, let’s pretend your Nissan Murano settlement value is $9,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most you would receive is $8,000 after paying the physical damage deductible. If it’s costing in excess of $800 annually to have full coverage, then it could be time to drop full coverage.
There are some cases where only buying liability is not recommended. If you still have a loan on your vehicle, you have to maintain full coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is in an accident, you should keep full coverage.
When to get professional advice
When quoting and choosing insurance from an agent or online, there really isn’t a single plan that fits everyone. Your situation is unique.
These are some specific questions may help you determine whether your personal situation would benefit from an agent’s advice.
- Will filing a claim cost me more?
- Should I sign the liability waiver when renting a car?
- Do I need PIP coverage since I have good health insurance?
- Is a driver training discount available?
- Does my policy cover me if I wreck while driving under the influence?
- How does medical payments coverage work?
If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, fill out this quick form.
Car insurance agents near you
Many people would prefer to go talk to an agent and we recommend doing that A nice benefit of price shopping on the web is you can get the best rates and also buy local.
Once you complete this short form, the coverage information is sent to local insurance agents in Los Angeles that give free quotes to get your business. There is no need to even leave your home because quoted prices will be sent to the email address you provide. You can find the lowest rates AND a local agent. If you have a need to get a price quote from a particular provider, feel free to go to their quote page and submit a quote form there.
Picking an insurer should include more criteria than just the premium amount. Ask your prospective agent these questions:
- Do they have any clout with companies to ensure a fair claim settlement?
- Do they assist clients in filing claims?
- Do you need full coverage on every vehicle?
- Do they write coverage based solely on cost?
- Does the quote include credit and driving reports?
- Do they have 24-hour customer assistance?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- Will their companies depreciate repairs to your car based on the mileage?
Choose the right auto insurance agent
If you want to use a reliable agent, you should know the different agency structures and how they can service your needs differently. Los Angeles agents can either be exclusive or independent agents depending on their company appointments.
Exclusive Insurance Agents
These agents work for only one company such as Allstate, State Farm and Farmers Insurance. They generally cannot compare other company’s rates so they have no alternatives for high prices. They are highly trained on what they offer which helps them compete with independent agents. Consumers sometimes use the same agent mostly because of the prominence of the brand and solid financial strength.
Listed below is a list of exclusive agencies in Los Angeles who may provide you with price quote information.
- State Farm: Pogos Ichmelyan
750 Colorado Blvd – Los Angeles, CA 90041 – (323) 257-1107 – View Map - Daniel Williams – State Farm Insurance Agent
7944 W 3rd St – Los Angeles, CA 90048 – (323) 852-6868 – View Map - Yvonne Solis – State Farm Insurance Agent
1375 Sunset Blvd – Los Angeles, CA 90026 – (213) 202-2800 – View Map
Independent Insurance Agencies
Independent agencies are not restricted to one company so as a result can place your coverage through many different insurance companies enabling the ability to shop coverage around. To move your coverage to a new company, your agent can just switch to a different company and you won’t have to switch agencies. When comparing rates, you definitely need to get insurance quotes from independent agents to maximize your price options. Most also write with mutual insurance companies which could offer lower prices.
The following is a short list of independent agencies in Los Angeles who can help you get rate quotes.
- True Rate Insurance
2820 S Vermont Ave #1 – Los Angeles, CA 90007 – (323) 735-1600 – View Map - Susman Insurance Agency
11611 San Vicente Blvd #515 – Los Angeles, CA 90049 – (310) 820-5200 – View Map - Public Insurance Agency
10941 W Pico Blvd – Los Angeles, CA 90064 – (310) 234-8600 – View Map
If you feel you receive acceptable answers to your questions and an affordable coverage quote, you have narrowed it down to an auto insurance agent that can be relied on to insure your vehicles.
Car insurance in California serves several purposes
Even though it’s not necessarily cheap to insure a Nissan in Los Angeles, paying for car insurance is required for several reasons.
First, the majority of states have minimum mandated liability insurance limits which means it is punishable by state law to not carry a minimum amount of liability protection if you don’t want to risk a ticket. In California 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.
Second, if you bought your vehicle with a loan, most banks will make it a condition of the loan that you have comprehensive coverage to guarantee payment of the loan. If you cancel or allow the policy to lapse, the lender will be forced to insure your Nissan at a much higher premium rate and require you to reimburse them the higher price.
Third, insurance safeguards not only your vehicle but also your financial assets. Insurance will also pay for medical bills that are the result of an accident. Liability coverage, the one required by state law, also covers all legal expenses up to the policy limit if you are sued as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, your car insurance policy will pay to have it repaired.
The benefits of buying car insurance are definitely more than the cost, specifically if you ever have a liability claim. As of last year, the average driver in California overpays as much as $750 every year so you should quote and compare rates once a year at a minimum to help ensure money is not being wasted.
Coverages available on your car insurance policy
Having a good grasp of your car insurance policy helps when choosing the right coverages and proper limits and deductibles. Policy terminology can be impossible to understand and reading a policy is terribly boring.
Collision coverage protection
This coverage will pay to fix damage to your Murano resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.
Collision coverage pays for claims such as backing into a parked car, crashing into a building, scraping a guard rail and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible on your Murano to save money on collision insurance.
Medical costs insurance
Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for things like EMT expenses, doctor visits and dental work. The coverages can be used in conjunction with a health insurance plan or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage
Comprehensive or Other Than Collision
Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for things such as hail damage, fire damage, theft, damage from a tornado or hurricane and vandalism. The maximum payout a car insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
Coverage for liability
This can cover damages or injuries you inflict on a person or their property by causing an accident. This insurance protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.
Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 15/30/5 which means a limit of $15,000 per injured person, $30,000 for the entire accident, and $5,000 of coverage for damaged property.
Liability insurance covers things such as medical expenses, repair bills for other people’s vehicles and emergency aid. How much liability should you purchase? That is up to you, but consider buying as high a limit as you can afford. California requires drivers to carry at least 15/30/5 but it’s recommended drivers buy higher limits.
The illustration below shows why buying the state minimum limits may not be high enough to cover claims.
UM/UIM Coverage
Your UM/UIM coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as damage to your Nissan Murano.
Since a lot of drivers have only the minimum liability required by law (California limits are 15/30/5), it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.
Cheap auto insurance is out there
When shopping online for auto insurance, it’s very important that you do not buy lower coverage limits just to save a few bucks. There are many occasions where drivers have reduced physical damage coverage and discovered at claim time that it was a big error on their part. Your focus should be to buy enough coverage at a price you can afford, but do not skimp to save money.
Budget-friendly auto insurance in Los Angeles can be bought online and from local insurance agents, and you need to comparison shop both to have the best chance of lowering rates. A few companies may not offer price quotes online and these regional insurance providers sell through independent insurance agents.
People switch companies for many reasons like delays in paying claims, denial of a claim, lack of trust in their agent and delays in responding to claim requests. Regardless of your reason, finding a new company can be easier than you think.
More information
- Older Drivers FAQ (iihs.org)
- When is the Right Time to Switch Car Insurance Companies? (Allstate)
- Rental Reimbursement Coverage (Allstate)
- Smart Auto Insurance Tips (Insurance Information Institute)
- Red Light Cameras (State Farm)