Compare Nissan Murano Insurance Quotes in Atlanta

How long has it been since the last time you looked for the cheapest Nissan Murano insurance in Atlanta? Comparing and finding low cost coverage rates for Nissan Murano insurance in Atlanta is kind of frustrating for drivers not familiar with online rate comparisons. There are so many choices that it can quickly become a difficult mission to find more affordable Nissan Murano insurance rates.

Unbelievable but true according to a study almost 70% of insureds have been with the same company for well over three years, and practically 40% of car insurance customers have never compared rate quotes at all. With the average premium in Georgia being $1,720, drivers can save hundreds of dollars each year, but they just don’t understand the amount of money they would save if they switched.

It’s smart to compare rates as often as possible because prices go up and down regularly. Just because you had the best deal on Nissan Murano insurance in Atlanta at your last renewal the chances are good that you can find a lower premium rate today. Forget all the misinformation about car insurance because I’m going to let you in on the secrets to the tricks you need to know to buy cheaper Nissan Murano insurance in Atlanta.

Shopping for the best policy in Atlanta can be fairly easy. Basically, every car owner who comparison shops for insurance should find lower prices. But Georgia consumers need to have an understanding of the methods companies use to sell insurance online and use this information to your advantage.

When comparison shopping, comparing a large number of companies helps improve the odds of finding a lower rate. Not every company does online rate quotes, so it’s important to also get price quotes from them as well.

The car insurance companies shown below provide free quotes in Georgia. If multiple companies are shown, it’s highly recommended you get rates from several of them to get the most affordable price.

Data rating is based on married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Georgia minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Estimates do not factor in your specific Atlanta location which can influence premiums significantly.

Policy deductibles

One frequently asked question is what deductibles to buy. The premium rates below may help to conceptualize the differences in price when you buy lower versus higher insurance deductibles. The first rate table uses a $250 deductible and the second set of prices uses a $500 deductible.

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Georgia minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Rate information does not factor in zip code location which can decrease or increase premium rates noticeably.

Based on these figures, using a $250 deductible will cost you about $16 more each month or $192 for a full year than quoting the higher $500 deductible. Because you would pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you tend to average at a minimum 16 months between claims, you would save money if you choose the higher deductible.

Responsible drivers pay cheaper Atlanta car insurance rates

The illustration below demonstrates how speeding tickets and at-fault accidents can raise Nissan Murano annual premium costs for different categories of driver ages. The rate quotes are based on a single male driver, full physical damage coverage, $250 deductibles, and no other discounts are factored in.

Premiums by gender and age

The diagram below compares Nissan Murano auto insurance costs for male and female drivers. The information is based on no claims, a clean driving record, full coverage, $250 deductibles, drivers are not married, and no discounts are applied to the premium.

Why do I need car insurance?

Despite the high cost, paying for auto insurance may be mandatory for several reasons.

• Almost all states have mandatory liability insurance requirements which means it is punishable by state law to not carry specific minimum amounts of liability insurance if you drive a vehicle. In Georgia these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
• If you have a lien on your Nissan, most banks will force you to have comprehensive coverage to ensure they get paid if you total the vehicle. If you do not keep the policy in force, the lender may have to buy a policy to insure your Nissan at a much higher premium rate and force you to pay for the much more expensive policy.
• Insurance protects both your assets and your Nissan Murano. It will also pay for medical transport and hospital expenses for you, your passengers, and anyone else injured in an accident. Liability coverage also covers all legal expenses up to the policy limit if anyone sues you for causing an accident. If damage is caused by hail or an accident, comprehensive (other-than-collision) and collision coverage will pay all costs to repair after the deductible has been paid.

The benefits of insuring your Murano definitely exceed the cost, especially for larger claims. According to a survey of 1,000 drivers, the average driver is overpaying over $850 per year so it’s important to compare rates at every policy renewal to be sure current rates are still competitive.

Cut Insurance Costs with These Tips

Consumers need to have an understanding of some of the things that go into determining auto insurance rates. If you have some idea of what positively or negatively impacts your premiums, this allows you to make good choices that can help you get much lower annual insurance costs.

Avoid unnecessary incidental coverages – There are a lot of additional coverages that can add up if you aren’t diligent. Insurance for things like coverage for rental cars, better glass coverage, and additional equipment coverage could be just wasting money. They may sound like good ideas when talking to your agent, but now you might not need them so consider taking them off your policy.

Don’t skimp on liability – The liability section of your policy will afford coverage in the event that you are found to be at fault for causing damage or personal injury in an accident. It will provide you with a defense in court up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so insureds should have plenty of protection for their assets.

Drive less and save – Driving a lot of miles in a year the more you will pay for auto insurance. A lot of companies apply a rate partially by how you use the vehicle. Vehicles that do not get driven very much can get a lower rate than those that get driven frequently. Double check that your declarations sheet is rated on the correct usage. Having an incorrect usage rating on your Murano is throwing money out the window.

Females tend to take less risk – Over the last 50 years, statistics have shown that men are more aggressive behind the wheel. That doesn’t necessarily mean that women are BETTER drivers than men. Both sexes tend to get into at-fault accidents at a similar rate, but the men have accidents that have higher claims. Men also get higher numbers of serious violations such as reckless driving.

Drivers with excellent credit save on auto insurance – An insured’s credit score is likely to be a major factor in your rate calculation. So if your credit rating is low, you could save money insuring your Nissan Murano by repairing your credit. People that have very good credit scores tend to be more responsible than those with lower credit scores.

Insure car and home with the same company – Some insurance companies will give a discount to people that have more than one policy. It’s known as a multi-policy discount. Even if you qualify for this discount already, you still need to compare other company rates to verify if the discount is saving money.

Pay more out-of-pocket – Physical damage deductibles define the amount you are willing to pay if you file a covered claim. Physical damage protection, termed comprehensive and collision coverage on your policy, insures against damage to your car. A few examples of covered claims would be rearending another vehicle, damage caused by hail, or theft of your vehicle. The more you are required to pay out-of-pocket, the less your company will charge you for insurance.

Insurance loss statistics a Nissan Murano – Insurance companies include the past claim history for a vehicle to help set a rate to offset losses. Models that tend to have higher number or severity of losses will have higher rates.

The information below illustrates the collected loss data for Nissan Murano vehicles. For each insurance policy coverage type, the statistical loss for all vehicles, as an average, is equal to 100. Numbers under 100 suggest a positive loss record, while values that are above 100 indicate frequent claims or tendency to have higher losses.

Atlanta insurance discounts for a Nissan Murano

Some insurers do not advertise every policy discount very well, so the list below contains a few of the more common and the more hidden auto insurance savings.

• Resident Student – Any of your kids who are attending college and do not have a car could get you a discount.
• Professional Memberships – Affiliation with a civic or occupational organization in Atlanta could trigger savings on auto insurance.
• Discounts for Responsible Drivers – Insureds who avoid accidents can save up to 40% or more on their Atlanta auto insurance quote than drivers with accident claims.
• Paperless Signup – A few insurance companies will discount your bill up to fifty bucks for completing your application on the web.
• Driver’s Ed – Teen drivers should participate in a local driver’s education class if offered at their school.
• Discount for Swiching Early – Some companies provide a discount for switching companies prior to your current Murano insurance policy expiring. This can save 10% or more.
• Save with a New Car – Buying insurance coverage on a new vehicle can be considerably cheaper since new model year vehicles are generally safer.
• Passive Restraint Discount – Factory options such as air bags and/or automatic seat belt systems may get savings of 20 to 30 percent.

Drivers should understand that most discount credits are not given to the overall cost of the policy. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Even though it appears all those discounts means the company will pay you, you aren’t that lucky. But all discounts will help lower the premium cost.

Large auto insurance companies and the discounts they provide can be found below.

• GEICO has discounts for anti-theft, driver training, defensive driver, multi-vehicle, air bags, five-year accident-free, and membership and employees.
• Mercury Insurance offers premium reductions for good driver, annual mileage, multi-car, anti-theft, and multi-policy.
• Farmers Insurance may include discounts for bundle discounts, youthful driver, teen driver, multi-car, homeowner, and distant student.
• Auto-Owners Insurance may have discounts that include mature driver, group or association, safe driver, air bags, safe vehicle, and multiple vehicles.
• Liberty Mutual discounts include newly retired, new move discount, safety features, newly married, and multi-car.
• SAFECO includes discounts for homeowner, anti-lock brakes, drive less, teen safety rewards, safe driver, anti-theft, and teen safe driver.
• Progressive may offer discounts for good student, online quote discount, continuous coverage, online signing, and multi-policy.
• USAA offers discounts for driver training, good student, multi-vehicle, new vehicle, and loyalty savings.

When comparing rates, check with all companies you are considering which discounts can lower your rates. All car insurance discounts may not be available everywhere. To see insurance companies who offer auto insurance discounts in Atlanta, click here.

Shop online but buy locally

A small number of people still prefer to visit with an insurance agent and often times that is recommended One of the best bonuses of getting free rate quotes online is that drivers can save money and get the lowest rates but also keep your business local. Supporting small agencies is important particularly in Atlanta.

To make it easy to find an agent, after completing this quick form, the coverage information gets sent to local insurance agents in Atlanta that can give you free Atlanta auto insurance quotes for your insurance coverage. There is no need to leave your house because prices are sent to you. You can get cheaper insurance rates without having to waste a lot of time. If you wish to quote rates from one company in particular, feel free to navigate to their website and fill out the quote form the provide.

If you are searching for a reliable agent, you should know the types of agencies and how they function. Agents can be described as either exclusive or independent.

Independent Insurance Agencies or Brokers

Independent insurance agents are not required to write business for one company so they can quote policies with a variety of different insurance companies and get you the best rates possible. To transfer your coverage to a different company, they simply move the coverage in-house and you don’t have to switch agencies. If you are trying to find cheaper rates, you absolutely need to get rate quotes from at least one independent agent to maximize your price options. Most have the option of insuring with less well-known companies that may provide cheaper insurance rates.

The following are independent insurance agents in Atlanta who can help you get free price quotes.

• Nationwide Insurance: Kevin Thompson Agency
  216 14th St NW #8 – Atlanta, GA 30318 – (470) 355-1973 – View Map
• Snellings Walters Insurance Agency
  1117 Perimeter Center W – Atlanta, GA 30338 – (770) 396-9600 – View Map
• Georgia Insurance Brokerage
  193 Auburn Ave NE – Atlanta, GA 30303 – (404) 525-1600 – View Map

View more agents

Exclusive Insurance Agencies

Exclusive insurance agents are contracted to one company like State Farm or Allstate. They generally cannot place coverage with different providers so if the price isn’t competitive there isn’t much they can do. Exclusive agents receive extensive training on the products they sell which helps overcome the inability to quote other rates. Drivers often choose to use an exclusive agent partially due to the brand name instead of buying on price only.

Shown below is a short list of exclusive agents in Atlanta that are able to give comparison quotes.

• Jerome Johnson, Sr. – State Farm Insurance Agent
  3101 Clairmont Rd b – Atlanta, GA 30329 – (404) 321-6688 – View Map
• Allstate Insurance: Enrico Lewis
  777 Cleveland Ave SW Ste 104 – Atlanta, GA 30315 – (404) 761-9556 – View Map
• Geoff Carlson – State Farm Insurance Agent
  1465 Chattahoochee Ave NW #550 – Atlanta, GA 30318 – (678) 927-9977 – View Map

View more agents

Picking the best car insurance agent is decision based upon more than just a cheap price quote. Before buying a policy in Atlanta, get answers to these questions.

• Is the agent and/or agency licensed to do business in Georgia?
• Will the quote change when the policy is issued?
• What are the financial ratings for the companies they represent?
• Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
• Are they paid to recommend certain coverages?
• Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
• Does the company allow you to choose your own collision repair facility?
• Is their price quote a firm figure or are their hidden costs?

Quote. Compare. Save.

Drivers switch companies for any number of reasons including policy non-renewal, delays in responding to claim requests, an unsatisfactory settlement offer and even policy cancellation. It doesn’t matter what your reason, finding a new car insurance company can be pretty painless.

You just read a lot of tips how to lower your Nissan Murano insurance premium rates in Atlanta. It’s most important to understand that the more times you quote, the higher the chance of saving money. You may even find the lowest premium rates come from a lesser-known regional company.

When buying insurance coverage, it’s a bad idea to reduce needed coverages to save money. There are too many instances where an insured dropped uninsured motorist or liability limits and found out when filing a claim that the savings was not a smart move. The goal is to buy enough coverage at a price you can afford, but don’t skip important coverages to save money.

Additional detailed information is available at these sites:

• Red Light Cameras (State Farm)
• Prom Night Tips for Teen Drivers (State Farm)
• Older Drivers FAQ (iihs.org)
• Insurance losses by make and model (Insurance Institute for Highway Safety)