Compare Nissan Murano Insurance Quotes in Laredo

Want to learn a better way to compare low-cost Nissan Murano insurance in Laredo? Trying to come up with a payment for expensive insurance can empty your monthly budget and possibly require postponing other expenditures. Comparing rate quotes can be a smart way to lower your bills every month.

Insurance for Nissan MuranoUnbelievable but true, the vast majority of insurance customers in Texas have stayed with the same insurance company for four years or more, and just short of a majority have never compared rates with other companies. Many drivers in the U.S. can save 46.5% each year by just comparing rate quotes, but they won’t spend time to compare rates online. Lots of car insurance companies contend for your insurance dollar, so it’s not easy to compare every insurance company to find the lowest price on Nissan Murano insurance in Laredo.

You need to quote other rates before your policy renews because insurance rates trend upward over time. Just because you had the best premium rates on Nissan Murano insurance in Laredo at your last renewal there may be better deals available now. Block out anything you think you know about insurance because we’re going to demonstrate the easiest way to reduce your cost while improving coverage.

Car insurance providers offering cheap rates in Texas

The companies shown below are ready to provide price comparisons in Texas. If multiple companies are listed, it’s highly recommended you click on several of them to get the most competitive price.

Coverage statistics and figures

The coverage information shown below covers estimates of prices for Nissan Murano models. Being more informed about how prices are formulated can aid in making smart choices when purchasing an insurance policy.

Nissan Murano Insurance Rates in Laredo, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Murano S 2WD $282 $580 $430 $26 $128 $1,446 $121
Murano S AWD $282 $580 $430 $26 $128 $1,446 $121
Murano SL 2WD $282 $580 $430 $26 $128 $1,446 $121
Murano SL AWD $282 $580 $430 $26 $128 $1,446 $121
Murano LE 2WD $318 $684 $430 $26 $128 $1,586 $132
Murano LE AWD $318 $684 $430 $26 $128 $1,586 $132
Get Your Own Custom Quote Go

Cost estimates assume single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Table data does not factor in Laredo location which can decrease or increase premiums noticeably.

Comparison of policy deductibles

When shopping for insurance, a common question is what deductibles to buy. The comparisons below can help illustrate the cost difference when you choose different deductibles. The first set of rates uses a $250 physical damage deductible and the second set of prices uses a $500 deductible.

Nissan Murano insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Murano S 2WD $294 $496 $382 $22 $114 $1,333 $111
Murano S AWD $294 $496 $382 $22 $114 $1,333 $111
Murano SL 2WD $294 $496 $382 $22 $114 $1,333 $111
Murano SL AWD $294 $496 $382 $22 $114 $1,333 $111
Murano LE 2WD $332 $584 $382 $22 $114 $1,459 $122
Murano LE AWD $332 $584 $382 $22 $114 $1,459 $122
Get Your Own Custom Quote Go

Nissan Murano insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Murano S 2WD $240 $400 $382 $22 $114 $1,158 $97
Murano S AWD $240 $400 $382 $22 $114 $1,158 $97
Murano SL 2WD $240 $400 $382 $22 $114 $1,158 $97
Murano SL AWD $240 $400 $382 $22 $114 $1,158 $97
Murano LE 2WD $270 $472 $382 $22 $114 $1,260 $105
Murano LE AWD $270 $472 $382 $22 $114 $1,260 $105
Get Your Own Custom Quote Go

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Prices do not factor in specific location information which can modify auto insurance rates substantially.

We can derive from the above data that using a $250 deductible costs approximately $15 more each month or $180 for a full year than buying the higher $500 deductible. Since you would pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you tend to average more than 17 months between claims, you would save money going with the higher deductible. Below is how you can do this calculation yourself.

Average monthly premium for $250 deductibles: $115
Average monthly premium for $500 deductibles (subtract): – $100
Monthly savings from raising deductible: $15
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $15
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 17 months

An important sidenote is that raising deductibles means you pay more out-of-pocket when you have to file a claim. You need to have enough disposable savings in the event you need to pay more to get your vehicle repaired.

The example below demonstrates how deductible levels and can affect Nissan Murano insurance costs for different age groups. The prices are based on a single male driver, comp and collision included, and no additional discounts are factored in.

Impact of speeding/accidents on Laredo insurance rates

The example below shows how violations and accident claims can drive up Nissan Murano insurance costs for different age categories. The rate quotes are based on a single female driver, comp and collision included, $100 deductibles, and no other discounts are factored in.

Difference between full coverage and liability only rates

The diagram below compares Nissan Murano annual premium costs when comparing full coverage to state minimum liability only. The premium estimates are based on a clean driving record, no at-fault accidents, $1,000 deductibles, single status, and no discounts are factored in.

When to stop buying full coverage

There isn’t a steadfast formula of when to phase out full coverage, but there is a general guideline. If the yearly cost of full coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then you might want to think about dropping full coverage.

For example, let’s say your Nissan Murano book value is $7,000 and you have $1,000 deductibles. If your vehicle is totaled, you would only receive $6,000 after paying your deductible. If you are paying over $600 annually to have full coverage, then you might want to think about dropping full coverage.

There are some circumstances where only buying liability is not a good idea. If you still owe money on your vehicle, you have to carry full coverage as part of the loan requirements. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should not remove full coverage.

Informed Consumers Know How to Buy Insurance Cheaper

Multiple criteria are part of the calculation when you quote your car insurance policy. Some of the criteria are obvious like your driving record, but other criteria are not as apparent such as whether you are married or your financial responsibility.

Pay more of a claim out-of-pocket – The deductibles you choose tell how much you are required to pay if a claim is determined to be covered. Physical damage coverage, aka comp and collision, is used to repair damage to your car. Examples of some claims that would be covered could be colliding with a stationary object, vandalism, and damage from wind. The more of the claim the insured has to pay upfront, the less money you will pay for insurance.

Your career may increase prices – Did you know your career choice can influence rates? Occupational choices like lawyers, architects, and accountants usually pay higher premiums than the average policyholder due to intense work requirements and incredibly demanding work hours. On the flip side, jobs such as farmers, engineers and retirees generally pay rates lower than average.

Are you male or female? – Statistics have proven that women are safer drivers than men. This data doesn’t prove that females are better at driving than males. Women and men cause accidents at a similar rate, but men tend to have higher claims. They also have more aggressive citations such as reckless driving. Male teenagers tend to get in the most accidents and therefore pay the highest rates.

The example below illustrates the comparison of Nissan Murano insurance prices for male and female drivers. Data assumes a clean driving record, no claims, comprehensive and collision coverage, $1,000 deductibles, single status, and no discounts are applied to the premium.

Rural areas have lower rates – Residing in less populated areas of the country is a good thing when buying insurance. Fewer drivers means a lower chance of having an accident and also fewer theft and vandalism claims. Drivers who live in large Texas cities have much more traffic and more time behind the wheel. Longer commute distances means more chance of being in an accident.

Drive a safer car and pay less – Cars with high safety ratings get lower rates. Vehicles built for safety reduce occupant injuries and lower rates of occupant injuries means your insurance company pays less which can mean better rates for you.

Use credit responsibly and save – Having a bad credit rating is likely to be a major factor in determining what you pay. If your credit rating could use some work, you may save money insuring your Nissan Murano if you improve your credit rating. People that have high credit scores tend to be better risks to insure than those with lower ratings.

Always have insurance – Letting your insurance expire is a guaranteed way to increase your rates. Not only will rates go up, the inability to provide proof of insurance will get you a steep fine or even jail time. You may have to submit proof of financial responsibility or a SR-22 with the Texas DMV.

High premiums for youthful drivers – Young drivers in Texas have been known to be careless and easily distracted when driving so insurance rates are higher. More experienced drivers are more responsible, file fewer claims, and are safer drivers.

The data below is based on a single driver, full coverage with $250 deductibles, and no discounts or violations.

Claims statistics for a Nissan Murano – Auto insurance companies analyze the history of losses to help determine costs. Vehicles that the statistics show to have higher loss trends will have a higher premium rate.

The information below illustrates the historical loss data for Nissan Murano vehicles. For each policy coverage type, the statistical loss for all vehicles, regardless of make, model or trim level, is equal to 100. Numbers under 100 suggest a better than average loss history, while percentage numbers above 100 point to more losses 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

Empty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Lower rates by qualifying for discounts

Companies do not advertise every policy discount very clearly, so the list below details both the well known as well as some of the hidden discounts that may be available.Cheaper auto insurance with discounts

A quick disclaimer, some of the credits will not apply to your bottom line cost. A few only apply to the price of certain insurance coverages like medical payments or collision. So even though it sounds like you would end up receiving a 100% discount, it just doesn’t work that way.

The diagram below shows the comparison of Nissan Murano auto insurance rates with and without discounts being applied to the rates. The rates are based on a female driver, no accidents, no driving violations, Texas 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 claim-free, homeowner, marriage, multi-policy, multi-car, and safe-driver discounts applied.

If you would like to choose from a list of insurers with significant discounts in Laredo, follow this link.

Buying from auto insurance agents

Certain consumers still prefer to get professional advice from a licensed agent and there is nothing wrong with that. Experienced insurance agents can help you build your policy and help submit paperwork. One of the great benefits of getting free rate quotes online is that you can obtain lower car insurance rates but also keep your business local. And providing support for local insurance agents is important particularly in Laredo.

Insurance agency in LaredoOnce you complete this simple form, your insurance coverage information is immediately sent to agents in your area who will return price quotes to get your business. You won’t need to contact any insurance agencies because prices are sent to your email. If you need to compare prices from a specific insurance provider, don’t hesitate to go to their quote page and complete a quote there.

Different types of Laredo auto insurance agents

If you want to use a local insurance agency, it’s important to understand the different types of agents and how they differ in how they can insure your vehicles. Agencies in Laredo can either be independent (non-exclusive) or exclusive. Both types can do a good job, but it is important to understand the differences because it may have an impact on the type of agent you choose.

Independent Insurance Agents

Agents that elect to be independent often have affiliation with several companies so they have the ability to put coverage with lots of companies depending on which coverage is best. If they find a cheaper price, the business is moved internally and you don’t have to do anything. When comparing rate quotes, we highly recommend that you include price quotes from independent agents to ensure the widest selection of prices.

Listed below is a small list of independent insurance agents in Laredo who may provide competitive price quotes.

1620 Chihuahua StLaredo, TX 78043(956) 729-9500View Map

3515 N Arkansas Ave #107Laredo, TX 78043(956) 796-1115View Map

All Around Insurance Agency, LLC
3401 N Arkansas AveLaredo, TX 78043(956) 712-1255View Map

View more Laredo agents

Exclusive Agencies

Exclusive agents can only place business with one company such as Allstate, Farmers Insurance, State Farm, and AAA. They are unable to compare rates from other companies so you need to shop around if the rates are high. Exclusive agents are usually quite knowledgeable on sales techniques which helps them compete with independent agents.

Shown below are exclusive insurance agencies in Laredo that are able to give price quotes.

8218 Casa Verde Rd, A-5Laredo, TX 78041(956) 723-9511View Map

6301 Arena Blvd Ste ALaredo, TX 78041(956) 764-4399View Map

201 W Del Mar Blvd Ste 16Laredo, TX 78041(956) 723-6453View Map

View more Laredo agents

Finding the right insurance agency shouldn’t rely on just the price. Below are some questions you should ask.

Ratings for Laredo auto insurance companies

Choosing the highest-rated car insurance company can be rather challenging considering how many choices you have in Laredo. The rank data displayed below may help you decide which companies you want to consider purchasing a policy from.

Top 10 Laredo Car Insurance Companies Overall

  1. Travelers
  2. USAA
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Allstate
  7. State Farm
  8. The Hartford
  9. Safeco Insurance
  10. Progressive

Top 10 Laredo Car Insurance Companies Ranked by Customer Service

  1. USAA
  2. Travelers
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Safeco Insurance
  7. Progressive
  8. State Farm
  9. The Hartford
  10. The General

Cheap auto insurance premiums are out there

Discount Nissan Murano insurance in Laredo can be purchased online and with local Laredo insurance agents, so you should be comparing quotes from both so you have a total pricing picture. There are still a few companies who may not provide the ability to get quotes online and most of the time these regional carriers prefer to sell through independent agencies.

You just learned some good ideas how you can get a better price on Nissan Murano insurance in Laredo. The most important thing to understand is the more rate quotes you have, the better chance you’ll have of finding affordable Laredo car insurance quotes. You may even be surprised to find that the best price on auto insurance is with some of the smallest insurance companies. They may have significantly lower rates on certain market segments than their larger competitors like Allstate and Progressive.

How to buy discount Nissan Murano insurance in Laredo

The most effective way to find cheaper prices for Nissan Murano insurance in Laredo is to compare prices annually from different companies who sell auto insurance in Texas. Rates can be compared by following these steps.

First, try to learn about what coverages are included in your policy and the measures you can control to prevent rate increases. Many things that result in higher prices like getting speeding tickets and an imperfect credit rating can be amended by making small lifestyle or driving habit changes.

Second, quote rates from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only give rate quotes from a single company like Progressive and State Farm, while agents who are independent can quote prices from many different companies.

Third, compare the new rate quotes to the price on your current policy and determine if cheaper Murano coverage is available. If you find a better price and buy the policy, make sure the effective date of the new policy is the same as the expiration date of the old one.

Fourth, tell your current company to cancel your current car insurance policy. Submit the application along with any required down payment to your new agent or company. Immediately store the certificate of insurance in an easily accessible location.

One key aspect of rate comparisons is to use the same level of coverage on each quote and and to get price estimates from as many different insurance providers as possible. This enables a fair price comparison and a better comparison of the market.

More detailed auto insurance information can be found in the articles below: