Affordable Nissan Murano Insurance in Pittsburgh

Are you a victim of overpriced Nissan Murano insurance in Pittsburgh? Believe me, there are many Pittsburgh consumers feeling the pinch from expensive car insurance.

Discount Nissan Murano insuranceUnthinkable but true, a large majority of drivers have purchased from the same company for a minimum of four years, and just short of a majority have never compared rates to find affordable insurance. Many consumers in the United States could cut their rates by approximately 46.5% a year just by comparing rates, but they underestimate the rate savings if they switched.

Due to the abundance of choices for buying affordable insurance for a Nissan Murano in Pittsburgh, it can be challenging to pick the lowest price car insurance company.

It’s smart to get comparison quotes occasionally because prices change quite often. Even if you got the lowest rate on Nissan Murano insurance in Pittsburgh two years ago there may be better deals available now. There is too much inaccurate information about Murano insurance on the internet, but in a few minutes you can learn some good information on how to reduce your car insurance bill.

Comparison shopping for the lowest-priced protection in Pittsburgh is not as hard as you think. Basically, everyone who is required to buy car insurance should be able to lower their premiums. Although Pennsylvania drivers can benefit from knowing the methods companies use to sell online because rates fluctuate considerably.

Insurance statistics and figures

The information shown below outlines detailed analysis of policy rates for Nissan Murano models. Being able to understand how policy premiums are figured is important for drivers to make smart choices when buying a car insurance policy.

Nissan Murano Insurance Rates in Pittsburgh, PA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Murano S 2WD $218 $420 $372 $22 $112 $1,144 $95
Murano S AWD $218 $420 $372 $22 $112 $1,144 $95
Murano SL 2WD $218 $420 $372 $22 $112 $1,144 $95
Murano SL AWD $218 $420 $372 $22 $112 $1,144 $95
Murano LE 2WD $246 $494 $372 $22 $112 $1,246 $104
Murano LE AWD $246 $494 $372 $22 $112 $1,246 $104
Get Your Own Custom Quote Go

Prices above based on single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Rates do not factor in specific location which can lower or raise prices greatly.

Physical damage deductibles

When comparing insurance rates, the most common question is how high should the deductibles for physical damage be. The rates shown below may aid in understanding the differences in premium rates when you buy lower versus higher insurance deductibles. The first rate quote example uses a $250 deductible for physical damage and the second set of prices uses a $1,000 deductible.

Nissan Murano insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Murano S 2WD $254 $428 $330 $20 $98 $1,155 $96
Murano S AWD $254 $428 $330 $20 $98 $1,155 $96
Murano SL 2WD $254 $428 $330 $20 $98 $1,155 $96
Murano SL AWD $254 $428 $330 $20 $98 $1,155 $96
Murano LE 2WD $288 $506 $330 $20 $98 $1,267 $106
Murano LE AWD $288 $506 $330 $20 $98 $1,267 $106
Get Your Own Custom Quote Go

Nissan Murano insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Murano S 2WD $158 $270 $330 $20 $98 $876 $73
Murano S AWD $158 $270 $330 $20 $98 $876 $73
Murano SL 2WD $158 $270 $330 $20 $98 $876 $73
Murano SL AWD $158 $270 $330 $20 $98 $876 $73
Murano LE 2WD $178 $318 $330 $20 $98 $944 $79
Murano LE AWD $178 $318 $330 $20 $98 $944 $79
Get Your Own Custom Quote Go

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Estimates do not factor in vehicle location which can impact coverage rates considerably.

We can derive from the above data that using a $250 deductible costs about $24 more each month or $288 for a full year averaged for all Murano models than quoting the higher $1,000 deductible. Since you would pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you average at least 31 months between claims, you would probably save some money if you decide on a higher deductible. Here is how you can make your own decision.

Average monthly premium for $250 deductibles: $99
Average monthly premium for $1,000 deductibles (subtract): – $75
Monthly savings from raising deductible: $24
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $24
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 31 months

One big caveat is that higher deductibles means you will have to pay more out-of-pocket when you do file a claim. That will necessitate some savings in the bank in the event you have to pay more for the deductible.

Price comparison of only insuring for liability

The example below shows the comparison of Nissan Murano auto insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premiums assume no violations or claims, $500 deductibles, drivers are not married, and no discounts are taken into consideration.

Should you buy full coverage or liability only?

There isn’t a written rule for eliminating full coverage, but there is a broad guideline. If the yearly cost for physical damage coverage is more than about 10% of the settlement you would receive from your company, then you might consider buying liability only.

For example, let’s pretend your Nissan Murano claim settlement value is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most your company will settle for is $7,000 after paying your policy deductible. If you are paying in excess of $700 annually for your policy with full coverage, then it might be time to consider dropping full coverage.

There are some scenarios where dropping physical damage coverage is not a good idea. If you have an outstanding loan on your vehicle, you are required to maintain full coverage in order to prevent your loan from defaulting. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should keep full coverage.

Informed Consumers Know How to Quote Auto Insurance Cheaper

Many different elements are used when you quote your car insurance policy. Some factors are common sense such as traffic violations, but other criteria are more obscure such as your marital status and annual miles driven. Smart consumers have a good feel for the rating factors that come into play when calculating your premiums. If you understand what positively or negatively impacts your premiums, this helps enable you to make changes that can earn you big savings.

Shown below are a few of the things companies use to determine your rate level.

Cheaper rates for prior coverage – Letting your insurance expire is a quick way to bump up your auto insurance costs. Not only will you pay more, being ticketed for driving with no insurance can result in a hefty fine and possibly a revoked license. You may then have to file a SR-22 with the Pennsylvania motor vehicle department to get your license reinstated.

Insurance rates and vehicle performance – The performance level of the vehicle you own makes a big difference in your auto insurance rates. Lower cost passenger vehicles usually are quite affordable to insure, but the final cost of insurance is determined by many other factors.

The following chart uses these variables: married female driver age 20, full coverage with $100 deductibles, and no discounts or violations. It shows Nissan Murano rates compared to other makes and models that have different performances.

Does insurance coverage cost less for females? – Statistics show that men are more aggressive behind the wheel. Now that doesn’t mean males are worse at driving than females. Males and females get in at-fault accidents at a similar rate, but guys tend to have higher claims. Not only that, but men also have more aggressive citations like DWI (DUI) or reckless driving.

The example below compares Nissan Murano car insurance costs for male and female drivers. The premium estimates are based on no accidents or driving violations, comp and collision included, $100 deductibles, drivers are single, and no other discounts are factored in.

Careless drivers pay higher rates – Even a single chargeable violation can bump up the cost by as much as twenty percent. Careful drivers get better rates than their less careful counterparts. Drivers who have received multiple citations such as DUI, reckless driving or excessive speeding may be required to file a SR-22 with the DMV in their state in order to prevent a license revocation.

The chart below illustrates how traffic citations and at-fault collisions drive up Nissan Murano annual premium costs for each age group. The rate quotes are based on a married male driver, comp and collision included, $250 deductibles, and no additional discounts are factored in.

Your address can modify costs – Residing in areas with lower population can save you money when trying to find low car insurance rates. Less people living in that area means reduced accidents in addition to lower liability claims. People in densely populated areas tend to have traffic congestion and longer commutes to work. More time on the road means higher likelihood of an accident.

Insurance loss probability for a Nissan Murano – Companies take into consideration insurance loss statistics for every vehicle to help calculate premium costs. Models that the data shows to have higher loss trends will have increased rates.

The information below illustrates the insurance loss data used by companies for Nissan Murano vehicles. For each insurance policy coverage type, the statistical loss for all vehicles compiled together is equal to 100. Values that are under 100 suggest a better than average loss history, while numbers shown that are more than 100 point to more losses or statistically larger losses.

Nissan Murano Insurance Loss Statistics
Vehicle Make and 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

Empty fields indicate not enough data collected
Statistics from for 2013-2015 Model Years

Pennsylvania car insurance company ratings

Buying coverage from the highest-rated auto insurance company is hard considering how many companies there are in Pittsburgh. The company rank data shown next could help you analyze which coverage providers to look at shopping your coverage with.

Top 10 Pittsburgh Car Insurance Companies Overall

  1. The General
  2. Titan Insurance
  3. The Hartford
  4. Progressive
  5. Travelers
  6. State Farm
  7. Farmers Insurance
  8. Erie Insurance
  9. Safeco Insurance
  10. USAA

Top 10 Pittsburgh Car Insurance Companies Ranked by Customer Satisfaction

  1. Titan Insurance – 93%
  2. The Hartford – 93%
  3. The General – 91%
  4. Progressive – 90%
  5. 21st Century – 89%
  6. USAA – 87%
  7. Erie Insurance – 87%
  8. State Farm – 87%
  9. Travelers – 87%
  10. Safeco Insurance – 86%

What is YOUR best insurance company?

When getting Pittsburgh auto insurance quotes online, don’t be tempted to buy lower coverage limits just to save a few bucks. Too many times, an insured dropped uninsured motorist or liability limits only to regret at claim time that they should have had better coverage. Your aim should be to get the best coverage possible for the lowest cost while still protecting your assets.

Budget-conscious Nissan Murano insurance can be found both online in addition to many Pittsburgh insurance agents, and you need to comparison shop both so you have a total pricing picture. Some insurance companies may not provide online quoting and usually these small, regional companies sell through local independent agencies.

How to find cheaper quotes for Nissan Murano insurance in Pittsburgh

The most effective way to find low-cost Nissan Murano insurance is to annually compare prices from different companies who sell auto insurance in Pittsburgh.

  1. Get an understanding of the different coverages in a policy and the modifications you can make to prevent high rates. Many rating criteria that increase rates like traffic tickets, fender benders, and a poor credit score can be rectified by improving your driving habits or financial responsibility.
  2. Quote rates from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only quote rates from a single company like Progressive or Farmers Insurance, while agents who are independent can provide rate quotes for a wide range of companies.
  3. Compare the new quotes to your current policy premium and see if you can save money. If you find a lower rate quote and change companies, make sure there is no coverage gap between policies.
  4. Tell your current agent or company to cancel your current car insurance policy and submit the completed application along with a down payment to the new company. As soon as you receive it, place your new certificate of insurance in your vehicle’s glove compartment or console.

The most important part of shopping around is to make sure you enter similar limits and deductibles on every quote request and and to get price estimates from as many carriers as you can. This guarantees an apples-to-apples comparison and many rates to choose from.

Even more information can be found by following these links: