Best Ways to Save on Lubbock Nissan Murano Insurance

Shocking but true, almost 70% of insureds have bought auto insurance from the same company for at least the last four years, and almost 40% of drivers have never even compared quotes to find cheaper rates. Most drivers in Texas could save roughly 70% each year by just comparing quotes, but they don’t want to spend time to shop their coverage around.

Discount Nissan Murano insuranceThe best way we recommend to save money on Nissan Murano insurance is to annually compare prices from insurance carriers in Lubbock.

One thing to remember is to compare similar coverage information on every quote request and and to look at as many different companies as possible. Doing this helps ensure an accurate price comparison and a thorough price selection.

The easiest way to compare rates for Nissan Murano insurance in Lubbock is to know most insurance companies participate in online systems to give you rate quotes. The only thing you need to do is spend a couple of minutes providing details including if your license is active, which vehicles you own, the ages of drivers, and how many miles driven. The data is instantly provided to many highly-rated insurers and they respond with quotes almost instantly.

To start a quote now, click here and complete the quick form.

The companies in the list below are our best choices to provide price comparisons in Lubbock, TX. In order to find cheap auto insurance in Lubbock, we suggest you click on several of them to get the best price comparison.

Rates and detailed analysis

The premium table shown below highlights detailed analysis of insurance premium costs for Nissan Murano models. Learning a little about how rates are formulated can assist in making smart choices when choosing a car insurance company.

Nissan Murano Insurance Rates in Lubbock, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Murano S 2WD $208 $312 $500 $30 $150 $1,200 $100
Murano S AWD $208 $312 $500 $30 $150 $1,200 $100
Murano SL 2WD $208 $312 $500 $30 $150 $1,200 $100
Murano SL AWD $208 $312 $500 $30 $150 $1,200 $100
Murano LE 2WD $234 $368 $500 $30 $150 $1,282 $107
Murano LE AWD $234 $368 $500 $30 $150 $1,282 $107
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Data variables include single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Estimates do not factor in Lubbock location which can change coverage prices greatly.

Safe drivers pay cheaper rates

The chart below demonstrates how traffic citations and accidents impact Nissan Murano auto insurance costs for each different age group. The information is based on a single female driver, comp and collision included, $250 deductibles, and no other discounts are factored in.

Full coverage rates vs. liability-only

The chart below illustrates the comparison of Nissan Murano annual premium costs with full coverage and liability only. The prices are based on no claims or driving citations, $100 deductibles, drivers are not married, and no discounts are taken into consideration.

Should you be buying full coverage?

There is no definitive rule of when to eliminate comp and collision coverage, but there is a general school of thought. If the annual cost of coverage is more than around 10% of replacement cost minus your deductible, then you might consider buying liability only.

For example, let’s pretend your Nissan Murano book value is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most your company would pay you is $3,000 after paying your policy deductible. If it’s costing in excess of $300 annually for your policy with full coverage, then it’s probably a good time to buy liability coverage only.

There are a few situations where only buying liability is not advised. If you haven’t paid off your loan, you have to keep full coverage in order to satisfy the requirements of the loan. Also, if you don’t have enough money to buy a different vehicle if your current one is damaged, you should keep full coverage on your policy.

Cheap Nissan Murano insurance quotes in Lubbock

Some insurers don’t always publicize the complete list of policy discounts very well, so the list below gives a summary of a few of the more well known as well as the least known credits that may apply to you.Discount car insurance

A little note about advertised discounts, most credits do not apply to the whole policy. Most only apply to specific coverage prices like liability, collision or medical payments. So when the math indicates you would end up receiving a 100% discount, you’re out of luck. But all discounts will cut the cost of your policy.

The illustration below shows the comparison of Nissan Murano insurance prices with and without policy discounts. The rate quotes are based on a male driver, no tickets, no at-fault accidents, Texas state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, marriage, multi-policy, multi-car, homeowner, and safe-driver discounts applied.

To view companies that provide some of the discounts listed above in Texas, click here.

Buying the right Nissan vehicle insurance in Texas is an important decision

Despite the high cost, maintaining insurance is not optional due to several reasons.

The benefits of insuring your Murano definitely exceed the price paid, especially for larger claims. Despite what companies tell you, the average driver overpays more than $865 each year so compare quotes from several companies at every policy renewal to be sure current rates are still competitive.

How to find a good Texas auto insurance company

Buying coverage from the best insurance company can be challenging considering how many different insurance companies sell coverage in Texas. The company information shown next could help you select which auto insurance companies you want to consider comparing prices from.

Top 10 Lubbock Car Insurance Companies Ranked by Value

  1. Mercury Insurance
  2. Travelers
  3. American Family
  4. AAA Insurance
  5. Safeco Insurance
  6. Progressive
  7. The Hartford
  8. The General
  9. 21st Century
  10. Esurance

Car insurance can get complicated

When it comes to choosing proper insurance coverage for your personal vehicles, there really is not a perfect coverage plan. Everyone’s situation is unique so this has to be addressed.Drive safe and save
For example, these questions could help you determine if your situation might need professional guidance.

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to an agent. To find an agent in your area, take a second and complete this form or click here for a list of car insurance companies in your area.

Buying insurance from Lubbock auto insurance agents

Certain consumers would rather have an agent’s advice and that is OK! The best thing about getting online price quotes is you can get the best rates and still have an agent to talk to. And supporting neighborhood agents is important particularly in Lubbock.

By using this form (opens in new window), your coverage information is emailed to companies in Lubbock that provide free Lubbock car insurance quotes and help you find cheaper coverage. You won’t even need to leave your computer since price quotes are sent to the email address you provide. You can get cheaper insurance rates AND an agent nearby. If you wish to get a comparison quote from one company in particular, you would need to navigate to their website and fill out their quote form.

Deciding on an company requires you to look at more than just the premium amount. These are valid questions to ask: