How many years has it been since you compared the cheapest car insurance rates in Denver, CO? Denver drivers have options when trying to find low-cost Nissan Murano insurance. They can either spend hours calling around to get rate comparisons or leverage the internet to compare rates. There are both good and bad ways to shop for car insurance and you need to know the proper way to get price quotes on a Nissan and get the lowest price either online or from Denver insurance agents.
Best companies for low-cost Nissan Murano insurance in Colorado
The auto insurance companies shown below are our best choices to provide quotes in Colorado. If multiple providers are shown, we suggest you get prices from several of them in order to find the most affordable rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Murano S 2WD | $302 | $562 | $474 | $28 | $142 | $1,508 | $126 |
| Murano S AWD | $252 | $368 | $460 | $28 | $138 | $1,246 | $104 |
| Murano SL 2WD | $344 | $546 | $460 | $28 | $138 | $1,516 | $126 |
| Murano SL AWD | $144 | $282 | $368 | $22 | $110 | $926 | $77 |
| Murano LE 2WD | $148 | $288 | $338 | $20 | $100 | $894 | $75 |
| Murano LE AWD | $210 | $416 | $474 | $28 | $142 | $1,270 | $106 |
| Get Your Own Custom Quote Go | |||||||
Table data represents single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Premium amounts do not factor in the specific area where the vehicle is garaged which can raise or lower auto insurance rates substantially.
Male drivers versus female drivers
The illustration below illustrates the comparison of Nissan Murano insurance rates for male and female drivers. The costs are based on no claims or driving citations, comprehensive and collision coverage, $500 deductibles, marital status is single, and no policy discounts are applied.
Should you buy full coverage?
The chart below examines Nissan Murano yearly insurance costs with full physical damage coverage and with liability coverage only. The rates are based on no claims or violations, $250 deductibles, single male driver, and no discounts are applied.
Guidelines for eliminating full coverage
There is no definitive rule of when to eliminate physical damage coverage, but there is a general guideline. If the yearly cost of full coverage is more than about 10% of the replacement cost minus the deductible, then it might be time to buy liability only.
For example, let’s pretend your Nissan Murano book value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, you would only receive $8,000 after the policy deductible has been paid. If you are currently paying more than $800 annually for physical damage coverage, then it may be the right time to buy liability only.
There are a few cases where removing full coverage is not a good plan. If you have an outstanding loan on your vehicle, you have to carry full coverage in order to satisfy the requirements of the loan. Also, if your finances do not allow you to purchase a different vehicle if your current one is in an accident, you should not eliminate full coverage.
Comparison of policy deductibles
One of the most common car insurance questions is at what level do you set your deductibles. The following tables highlight the rate difference when you choose different physical damage deductibles. The first data table uses a $100 deductible for physical damage and the second rate table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Murano S 2WD | $302 | $546 | $352 | $20 | $106 | $1,351 | $113 |
| Murano S AWD | $302 | $546 | $352 | $20 | $106 | $1,351 | $113 |
| Murano SL 2WD | $302 | $546 | $352 | $20 | $106 | $1,351 | $113 |
| Murano SL AWD | $302 | $546 | $352 | $20 | $106 | $1,351 | $113 |
| Murano LE 2WD | $342 | $644 | $352 | $20 | $106 | $1,489 | $124 |
| Murano LE AWD | $342 | $644 | $352 | $20 | $106 | $1,489 | $124 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Murano S 2WD | $220 | $368 | $352 | $20 | $106 | $1,066 | $89 |
| Murano S AWD | $220 | $368 | $352 | $20 | $106 | $1,066 | $89 |
| Murano SL 2WD | $220 | $368 | $352 | $20 | $106 | $1,066 | $89 |
| Murano SL AWD | $220 | $368 | $352 | $20 | $106 | $1,066 | $89 |
| Murano LE 2WD | $250 | $434 | $352 | $20 | $106 | $1,162 | $97 |
| Murano LE AWD | $250 | $434 | $352 | $20 | $106 | $1,162 | $97 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Rate quotes do not factor in Denver location which can decrease or increase rates noticeably.
Based on these figures, using a $100 deductible will cost you approximately $25 more each month or $300 each year than buying the higher $500 deductible. Since the policyholder would be required to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you tend to go at a minimum 16 months between claims, you would most likely save money if you choose the higher deductible.
Affordable rates on Nissan Murano insurance in Denver with these ten car insurance discounts
Some insurance providers do not list the entire discount list very well, so we took the time to find some of the best known and also the more inconspicuous discounts you could be receiving when you buy Denver auto insurance online.
- Telematics Data Discounts – Drivers that enable their insurance company to scrutinize where and when they drive by using a small device installed in their vehicle such as Snapshot from Progressive or Drivewise from Allstate could possibly reduce rates as long as the data is positive.
- Early Signing – A few larger companies offer discounts for buying a new policy before your current coverage expires. You may see this discount when you get Denver auto insurance quotes online.
- Drivers Education – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if it’s offered in school.
- Own a Home and Save – Just owning your own home can save a few bucks because owning a home requires a higher level of personal finance.
- Online Discount – Some of the larger companies will provide an incentive for signing up over the internet.
- Driver Safety – Passing a course teaching driver safety skills can save you 5% or more and easily recoup the cost of the course.
- Discount for Passive Restraints – Vehicles equipped with air bags or automatic seat belts can get savings of up to 25% or more.
- Claim-Free Discount – Claim-free drivers can save substantially when compared with drivers who are more careless.
- Clubs and Organizations – Affiliation with a professional or civic organization is a simple method to lower premiums when shopping for car insurance.
- Multiple Policy Discount – If you insure your home and vehicles and place coverage with the same company you could earn a discount of at least 10 to 15 percent or more.
Discounts reduce rates, but you should keep in mind that many deductions do not apply to the overall cost of the policy. Most only apply to individual premiums such as liability, collision or medical payments. So even though you would think having all the discounts means you get insurance for free, you aren’t that lucky.
Insurance companies that may offer quotes with most of these discounts are:
If you want affordable Denver auto insurance quotes, ask all the companies to give you their best rates. Some credits might not be available to policyholders in your area. To locate car insurance companies that provide some of the discounts listed above in Colorado, click here.
When do I need to contact an agent?
Some people would prefer to sit down with an agent and that is not a bad decision Licensed agents can help you choose the best coverages and help in the event of a claim. One of the best bonuses of comparing rate quotes online is the fact that you can find cheap insurance rates and still have an agent to talk to.
Once you complete this short form, your information is sent to agents in your area who will give you bids for your coverage. It makes it easy because there is no need to leave your computer due to the fact that quote results will go to the email address you provide. If you want to compare rates from a specific insurance company, you just need to search and find their rate quote page and give them your coverage information.
Choosing the best company shouldn’t rely on just a low price. These are some valid questions you should ask.
- Can you choose the body shop in case repairs are needed?
- Do they offer rental car reimbursement?
- Are they primarily personal or commercial lines agents in Denver?
- Does the company have a solid financial rating?
- What is the agency’s Better Business Bureau rating?
- Is the agency involved in supporting local community causes?
- How will an accident affect your rates?
When finding a local insurance agency, it can be helpful to understand the different agency structures and how they can service your needs differently. Insurance agencies are classified as either exclusive or independent. Both insure your vehicles properly, but it is important to understand how they differ since it could factor into the type of agent you choose.
Exclusive Insurance Agents
Exclusive insurance agents can only write with one company and some examples include Allstate and State Farm. Exclusive agents cannot give you multiple price quotes so you might not find the best rates. These agents are usually well trained on their company’s products which helps them compete with independent agents. Many people buy insurance from these agents primarily because of high brand loyalty and solid financial strength.
Shown below are exclusive insurance agents in Denver who may provide you with comparison quotes.
- Allstate Insurance: Eddie W. Pacheco
6200 E Yale Ave – Denver, CO 80222 – (303) 788-0777 – View Map - Allstate Insurance: Paul Novak
3900 E Mexico Ave # 105 – Denver, CO 80210 – (303) 320-7859 – View Map - State Farm: Charles Insurance Agency
1165 S Broadway #114 – Denver, CO 80210 – (303) 777-7161 – View Map
Independent Agents (or Brokers)
These agents are not employed by any specific company and that enables them to quote your coverage through many companies and find the cheapest insurance rates. To transfer your coverage to a different company, an independent agent can move your coverage which requires no work on your part.
When shopping rates, it’s a good idea to include a few independent agents to have the most options to choose from. Many write coverage with additional companies that you may not be familiar with which may have better rates.
The following are Denver independent agencies who can help you get comparison quotes.
- Nationwide Insurance: Lloyd Pro Group Agency
1400 S Columbine St – Denver, CO 80210 – (970) 230-3020 – View Map - Alliance General Insurance Agency
2696 CO-2 – Denver, CO 80222 – (303) 377-1172 – View Map - Longevity Insurance Brokers
100 Fillmore St – Denver, CO 80206 – (720) 209-4598 – View Map
After you get acceptable answers to all your questions as well as an affordable premium quote, most likely you have located an insurance agent that can be relied on to adequately provide insurance.
How much insurance do I need?
Always remember that when buying the best insurance coverage, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply.
These are some specific questions might help in determining whether or not you might need an agent’s assistance.
- Should I drop comprehensive coverage on older vehicles?
- Do I need to file an SR-22 for a DUI in Colorado?
- Are rock chip repairs covered?
- What are the financial responsibility laws in my state?
- Do I really need UM/UIM coverage?
- Who does medical payments coverage extend to?
If it’s difficult to answer those questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies. It’s fast, free and can provide invaluable advice.
Learn about auto insurance coverages for a Nissan Murano
Learning about specific coverages of your auto insurance policy can be of help when determining the best coverages and proper limits and deductibles. Policy terminology can be confusing and nobody wants to actually read their policy. Listed below are the usual coverages found on the average auto insurance policy.
Auto liability
This coverage provides protection from damage or injury you incur to a person or their property by causing an accident. It protects YOU against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.
It consists of 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 liability limits of 25/50/15 which stand for $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $15,000.
Liability can pay for things like loss of income, legal defense fees, repair bills for other people’s vehicles and medical expenses. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible. Colorado state law requires minimum liability limits of 25/50/15 but you should think about purchasing better liability coverage.
Insurance for medical payments
Coverage for medical payments and/or PIP reimburse you for bills for things like rehabilitation expenses, surgery and pain medications. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not an option in every state and may carry a deductible
Comprehensive coverage (or Other than Collision)
Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive insurance covers things such as rock chips in glass, fire damage, theft, damage from getting keyed and hail damage. The maximum amount a auto 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 it’s not worth carrying full coverage.
Coverage for collisions
Collision insurance pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.
Collision coverage protects against things such as colliding with another moving vehicle, crashing into a building and hitting a parking meter. This coverage can be expensive, so consider removing coverage from vehicles that are older. Drivers also have the option to choose a higher deductible on your Murano to get cheaper collision coverage.
Uninsured Motorist or Underinsured Motorist insurance
This coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.
Since many Colorado drivers only purchase the least amount of liability that is required (25/50/15 in Colorado), it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.
Shop smart and save
Some car insurance companies don’t offer online price quotes and these regional insurance providers sell through independent insurance agents. Cheap Nissan Murano insurance in Denver can be bought both online in addition to many Denver insurance agents, and you need to comparison shop both in order to have the best price selection to choose from.
We just presented many ideas to shop for Nissan Murano insurance online. The key concept to understand is the more quotes you get, the better likelihood of getting the cheapest Nissan Murano rate quotes. Consumers may even find the lowest auto insurance rates are with a lesser-known regional company. These smaller insurers can often insure niche markets at a lower cost than their larger competitors like State Farm, GEICO and Nationwide.
More information can be found at these links:
- Liability Insurance Coverage (Nationwide)
- Who Has Cheap Auto Insurance for a Company Car in Denver? (FAQ)
- What Insurance is Cheapest for a 20 Year Old Female in Denver? (FAQ)
- Who Has Affordable Denver Auto Insurance Rates for State Employees? (FAQ)
- Who Has the Cheapest Denver Car Insurance for Young Drivers? (FAQ)
- What is Full Coverage? (Allstate)
- A Tree Fell on Your Car: Now What? (Allstate)
- Parking Tips to Reduce Door Dings (State Farm)