Compare Nissan Murano Insurance Quotes in Newark

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Insurance for Nissan MuranoFeeling guilty for buying an overpriced auto insurance policy? It's a common feeling and many Newark consumers are in the same pinch.

It goes without saying that car insurance companies don't want you to compare rates. People who compare rates once a year will probably switch to a new company because the odds are good of finding a policy with more affordable rates. A recent auto insurance study discovered that drivers who compared rates once a year saved an average of $865 annually compared to people who never compared other company's rates.

If finding the cheapest rates on insurance in Newark is the reason you're reading this, knowing how to shop for insurance premiums can make it easier for you to save money. People have many auto insurance companies to choose from, and though it is a good thing to have a selection, so many choices can make it hard to find the lowest rates for Nissan Murano insurance in Newark.

Cheapest companies for Nissan Murano insurance in New Jersey

The auto insurance companies shown below are ready to provide free rate quotes in Newark, NJ. If your goal is to find the cheapest car insurance in New Jersey, we suggest you visit two to three different companies to get the cheapest price.

Detailed insurance information

The rate information shown next showcases detailed analysis of coverage prices for Nissan Murano models. Learning more about how insurance prices are figured can benefit drivers when making smart choices when buying a policy.

Nissan Murano Insurance Rates in Newark, NJ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Murano S 2WD $356 $732 $544 $32 $162 $1,826 $152
Murano S AWD $356 $732 $544 $32 $162 $1,826 $152
Murano SL 2WD $356 $732 $544 $32 $162 $1,826 $152
Murano SL AWD $356 $732 $544 $32 $162 $1,826 $152
Murano LE 2WD $402 $862 $544 $32 $162 $2,002 $167
Murano LE AWD $402 $862 $544 $32 $162 $2,002 $167
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Table data represents single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and New Jersey minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Rate quotes do not factor in specific Newark garaging location which can lower or raise insurance rates significantly.

Higher deductibles lower rates

One of the hardest decisions when shopping for car insurance is how high should the physical damage coverage deductibles be. The premium rates below may aid in understanding how much more rates are between low and high insurance deductibles. The first pricing table uses a $250 physical damage coverage deductible and the second pricing table uses a $1,000 deductible.

Nissan Murano insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Murano S 2WD $372 $626 $480 $28 $144 $1,675 $140
Murano S AWD $372 $626 $480 $28 $144 $1,675 $140
Murano SL 2WD $372 $626 $480 $28 $144 $1,675 $140
Murano SL AWD $372 $626 $480 $28 $144 $1,675 $140
Murano LE 2WD $420 $738 $480 $28 $144 $1,835 $153
Murano LE AWD $420 $738 $480 $28 $144 $1,835 $153
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Nissan Murano insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Murano S 2WD $230 $394 $480 $28 $144 $1,276 $106
Murano S AWD $230 $394 $480 $28 $144 $1,276 $106
Murano SL 2WD $230 $394 $480 $28 $144 $1,276 $106
Murano SL AWD $230 $394 $480 $28 $144 $1,276 $106
Murano LE 2WD $258 $464 $480 $28 $144 $1,374 $115
Murano LE AWD $258 $464 $480 $28 $144 $1,374 $115
Get Your Own Custom Quote Go

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and New Jersey minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Information does not factor in specific Newark garaging location which can affect rates greatly.

Based on the above data, using a $250 deductible costs about $35 more each month or $420 for a full year averaged for all Murano models than opting for the higher $1,000 deductible. Since you would have to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you have at least 21 months between claims, you would come out ahead if you opt for a higher deductible.

Cost comparison with and without full coverage

The illustration below compares Nissan Murano auto insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premium estimates are based on no claims or driving violations, $250 deductibles, single marital status, and no discounts are taken into consideration.

When to stop buying comprehensive and collision coverage

There isn't a steadfast formula that works best for making the decision to drop full coverage, but there is a guideline you can use. If the annual cost of coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, the it may be a good time to stop paying for full coverage.

For example, let's say your Nissan Murano replacement value is $9,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $8,000 after paying the physical damage deductible. If you are paying in excess of $800 a year for your policy with full coverage, then it might be time to consider dropping full coverage.

There are a few cases where buying only liability insurance is not in your best interest. If you still have a lienholder on your title, you have to maintain full coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should keep full coverage.

Get lower-cost Nissan Murano insurance in Newark with discounts

Car insurance is not cheap, but there could be significant discounts that you may not even know about. Some discounts apply automatically at the time of purchase, but lesser-known reductions have to be inquired about before being credited.

  • Auto/Life Discount - Select insurance companies reward you with better prices if you take out life insurance.
  • Low Mileage - Fewer annual miles on your Nissan can qualify you for cheaper premium rates.
  • Passive Restraints - Options like air bags or automatic seat belts can qualify for discounts of 25 to 30%.
  • Driving Data Discount - Policyholders that allow data collection to analyze vehicle usage by using a telematics device in their vehicle such as State Farm's In-Drive could possibly reduce rates if they have good driving habits.
  • Lower Rates for Military - Being on active deployment in the military could qualify you for better auto insurance rates.
  • Drive Safe and Save - Accident-free drivers may save up to 50% more compared to accident prone drivers.
  • Federal Employees - Having worked for a branch of the government can save as much as 8% with some auto insurance companies.

One last thing about discounts, most discount credits are not given to the whole policy. Some only reduce individual premiums such as comprehensive or collision. Despite the appearance that it's possible to get free car insurance, insurance companies wouldn't stay in business.

The diagram below shows the difference between Nissan Murano insurance costs with and without discounts applied to the policy rates. The prices are based on a female driver, no driving violations, no at-fault accidents, New Jersey state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, homeowner, claim-free, multi-policy, safe-driver, and multi-car discounts applied.

Some companies that may offer some of the discounts shown above include:

If you are trying to find low cost Newark car insurance quotes, ask each company or agent which discounts they offer. Discounts might not be available to policyholders in Newark. To locate insurers who offer auto insurance discounts in New Jersey, click here to view.

Situations that may require an agent's advice

Keep in mind that when it comes to choosing coverage online or from an agent for your personal vehicles, there really is not a best way to insure your cars. Everyone's situation is a little different.

For example, these questions might point out if your insurance needs would benefit from an agent's advice.

  • Is a driver training discount available?
  • Why am I required to buy liability insurance?
  • Is my nanny covered when transporting my kids?
  • Can I insure my car for more than it's worth?
  • What does UM/UIM cover?
  • Should I have a commercial auto policy?
  • Does coverage extend to my business vehicle?
  • Are my tools covered if they get stolen from my vehicle?

If you can't answer these questions but one or more may apply to you, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form. It's fast, free and may give you better protection.

Insurance agent or online?

A lot of people prefer to talk to an insurance agent and we recommend doing that Good agents are very good at helping people manage risk and give you someone to call. A nice benefit of comparing car insurance online is that you can obtain cheap car insurance quotes and still choose a local agent. Buying from local insurance agencies is especially important in Newark.

Once you complete this quick form, your insurance coverage information gets sent to local insurance agents who will give you bids and help you find cheaper coverage. You won't even need to drive around due to the fact that quote results will go straight to your inbox. If you want to compare rates from a particular provider, feel free to search and find their rate quote page to submit a rate quote request.

If you want to buy car insurance from a reputable insurance agent or broker, it's important to understand the different types of agents and how they can quote your rates. Newark agents are either independent agents or exclusive agents depending on their employer. Either can sell car insurance policies, but we need to point out how they differ since it can impact your selection of an agent.

Independent Agents (or Brokers)

Independent agencies are normally appointed by many insurers and that is an advantage because they can write policies with lots of companies and find you the best rates. If you want to switch companies, the agent simply finds a different carrier and you can keep the same agent. When comparing car insurance rates, it's recommended you get quotes from several independent insurance agents to ensure the widest selection of prices.

Shown below is a partial list of independent insurance agencies in Newark who can help you get price quote information.

1111 Raymond Blvd - Newark, NJ 07102 - (973) 624-7200 - View Map

Ed Young Agency
942 S Orange Ave - Newark, NJ 07106 - (973) 375-0003 - View Map

775 Newark Ave - Jersey City, NJ 07306 - (201) 217-1780 - View Map

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Exclusive Agents

Agents that elect to be exclusive can only place business with one company and some examples include Farmers Insurance or State Farm. These agents are unable to place coverage with different providers so keep that in mind. Exclusive agents are very knowledgeable on their company's products and that allows them to sell at a higher price point.

Below are exclusive agencies in Newark that can give you rate quotes.

217 Chestnut St - Newark, NJ 07105 - (973) 536-2060 - View Map

360 Chestnut St - Newark, NJ 07105 - (800) 701-5909 - View Map

229 Bloomfield Ave - Newark, NJ 07104 - (973) 482-1975 - View Map

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Finding the right insurance agent is decision based upon more than just the price. Agents should be asked these questions:

  • Does the agent recommend any additional coverage?
  • Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
  • Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
  • Did they already check your driving record and credit reports?
  • Does the agency have a good rating with the Better Business Bureau?
  • Can you get a list of referrals?
  • Is insurance their full-time profession?
  • Do you have coverage for a rental car if your vehicle is in the repair shop?

New Jersey auto insurance companies ranked

Ending up with the right company can be rather challenging considering how many companies there are in Newark. The company ratings in the next section can help you select which auto insurers you want to consider when comparing rates.

Top 10 Newark Car Insurance Companies Ranked by Customer Service

  1. Mercury Insurance
  2. The Hartford
  3. American Family
  4. Progressive
  5. GEICO
  6. USAA
  7. State Farm
  8. Travelers
  9. Farmers Insurance
  10. Allstate

Top 10 Newark Car Insurance Companies Ranked by Customer Satisfaction

  1. The Hartford - 93%
  2. Progressive - 90%
  3. 21st Century - 89%
  4. USAA - 87%
  5. Mercury Insurance - 87%
  6. State Farm - 87%
  7. Travelers - 87%
  8. Safeco Insurance - 86%
  9. AAA Insurance - 86%
  10. American Family - 85%

Final considerations

People switch companies for any number of reasons including high prices, questionable increases in premium, policy cancellation or delays in paying claims. It doesn't matter why you want to switch switching car insurance companies is less work than it seems.

We just presented a lot of tips how to compare Nissan Murano insurance premium rates in Newark. It's most important to understand that the more rate quotes you have, the more likely it is that you will get a better rate. Drivers may even discover the lowest priced car insurance comes from a lesser-known regional company.

As you quote Newark car insurance, don't be tempted to skimp on coverage in order to save money. There are too many instances where an accident victim reduced uninsured motorist or liability limits to discover at claim time that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to purchase a proper amount of coverage at the best possible price, but don't skip important coverages to save money.

How to find lower priced Nissan Murano insurance in Newark

It takes a little time, but the best way to get discount Nissan Murano insurance is to begin comparing prices regularly from providers that sell auto insurance in Newark. You can compare prices by completing these steps.

  • First, get an understanding of how insurance works and the things you can control to prevent expensive coverage. Many rating factors that cause high rates such as careless driving and a negative credit rating can be improved by making minor changes to your lifestyle.
  • Second, obtain price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can only give rate quotes from one company like GEICO or State Farm, while agents who are independent can provide rate quotes from multiple companies.
  • Third, compare the new quotes to your existing rates to see if a cheaper price is available. If you can save some money and decide to switch, make sure the effective date of the new policy is the same as the expiration date of the old one.

One tip to remember is to make sure you enter identical deductibles and limits on every quote and and to get rate quotes from as many different insurance providers as possible. Doing this ensures a fair rate comparison and a complete rate analysis.

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