Statistics show that the vast majority of consumers have remained with the same auto insurance company for well over three years, and 38% of customers have never even compared rates from other companies. Drivers in Kentucky can save nearly 30% each year by just comparing quotes, but they just don’t want to do a rate comparison.
Really, the only way to find affordable quotes for Nissan Murano insurance is to do a yearly price comparison from insurers in Louisville.
Step 1: Try to comprehend policy coverages and the factors you can control to keep rates low. Many things that drive up the price like traffic citations, accidents, and a bad credit score can be eliminated by being financially responsible and driving safely. This article provides more information to help prevent costly coverage and get discounts that may be available to you.
Step 2: Compare rates from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only provide price estimates from one company like GEICO or Farmers Insurance, while agents who are independent can quote rates for many different companies. View a list of agents
Step 3: Compare the new rates to your existing policy and determine if there is any savings. If you find better rates and decide to switch, make sure there is no coverage gap between policies.
Step 4: Provide notification to your current company of your intent to cancel your current coverage and submit a signed application and payment for the new policy. Don’t forget to put the proof of insurance paperwork in an easily accessible location.
The critical component of shopping around is to try to use similar limits and deductibles on every quote request and and to get price quotes from as many companies as you can. This ensures a level playing field and plenty of rates choose from.
If you’re already insured or are just looking to switch companies, use these techniques to reduce the price you pay without reducing coverage. Finding quotes for the most affordable insurance coverage in Louisville is easy if you know what you’re doing. Vehicle owners just have to learn how to get comparison rates instantly.
Save with these five discounts
Companies don’t necessarily list their entire list of discounts very well, so the below list has both the well known as well as the least known discounts that may be available. If you’re not getting every credit you deserve, you are not getting the best rate possible.
- Low Mileage Discounts – Keeping the miles down on your Nissan could earn lower prices due to less chance of an accident.
- Accident-Free Discounts – Drivers who don’t have accidents get the best auto insurance rates when compared to insureds who have frequent claims or accidents.
- Passenger Safety Discount – Factory air bags could see savings as much as 30%.
- Mature Driver Discount – If you qualify as a senior citizen, you may be able to get a small discount on rates.
- Student Driver Training – Have your child enroll and complete driver’s education in high school.
Remember that most of the big mark downs will not be given to the entire policy premium. Some only reduce individual premiums such as medical payments or collision. Even though it appears you would end up receiving a 100% discount, it just doesn’t work that way. Any amount of discount should definitely cut your policy cost.
The information below shows the difference between Nissan Murano annual premium costs with and without policy discounts. The premium estimates are based on a male driver, a clean driving record, no claims, Kentucky state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, homeowner, safe-driver, claim-free, marriage, and multi-car discounts applied.
To find insurers that can offer you the previously mentioned discounts in Louisville, click here.
The quickest method we recommend to compare insurance rates from multiple companies is to know the trick all the major auto insurance companies will pay a fee to provide you with a free rate quote. To begin a comparison, all you need to do is provide a little information such as which vehicles you own, whether you have decent credit, your education level, and how old drivers are. Your insurance information is instantly submitted to many of the top insurers and you will receive price estimates quickly.
To find the cheapest car insurance rates, click here and complete the form.
The auto insurance companies shown below are our best choices to provide price comparisons in Kentucky. If you want cheaper auto insurance in Louisville, we suggest you visit two to three different companies in order to find the lowest rates.
Coverage statistics and figures
The data table shown next outlines a range of prices for Nissan Murano models. Being able to understand how rate quotes are figured can help you make smart policy decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Murano S 2WD | $152 | $262 | $334 | $20 | $100 | $868 | $72 |
| Murano S AWD | $152 | $262 | $334 | $20 | $100 | $868 | $72 |
| Murano SL 2WD | $152 | $262 | $334 | $20 | $100 | $868 | $72 |
| Murano SL AWD | $152 | $262 | $334 | $20 | $100 | $868 | $72 |
| Murano LE 2WD | $170 | $308 | $334 | $20 | $100 | $932 | $78 |
| Murano LE AWD | $170 | $308 | $334 | $20 | $100 | $932 | $78 |
| Get Your Own Custom Quote Go | |||||||
Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Kentucky minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Price information does not factor in zip code location which can impact insurance rates significantly.
The chart below demonstrates how choosing different deductibles and can impact Nissan Murano insurance costs for different age groups of insureds. The information is based on a single female driver, full physical damage coverage, and no discounts are factored in.
Safe drivers pay less for auto insurance
The illustration below shows how violations and fender-benders can raise Nissan Murano car insurance costs for different age groups of insureds. The data assumes a single female driver, full physical damage coverage, $500 deductibles, and no discounts are taken into consideration.
Should you buy full coverage?
The illustration below shows the difference between Nissan Murano yearly insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premiums are based on a clean driving record, no claims, $1,000 deductibles, single marital status, and no discounts are factored in.
Should you pay for full coverage?
There is no exact rule for excluding comprehensive and collision coverage on your policy, but there is a general guideline. If the annual cost of comprehensive and collision coverage is 10% or more of any settlement you would receive from your insurance company, then it might be time to buy liability only.
For example, let’s say your Nissan Murano replacement value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most your company will settle for is $5,000 after the deductible is paid. If you are paying more than $500 annually for physical damage coverage, then it might be time to buy liability only.
There are some cases where dropping physical damage coverage is not recommended. If you still owe a portion of the original loan, you are required to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if your finances do not allow you to purchase a different vehicle in the event your current vehicle is totaled, you should keep full coverage in place.
Are insurance agencies obsolete?
Certain consumers just want to visit with an insurance agent and doing so can bring peace of mind Good agents are highly skilled in risk management and help you file claims. An additional benefit of price shopping on the web is you can get better rates and still buy from a local agent. Supporting small agencies is especially important in Louisville.
After filling out this form (opens in new window), your coverage information is transmitted to companies in Louisville who will give competitive quotes for your coverage. It simplifies rate comparisons since you won’t have to find an agent on your own since price quotes are sent to you. If you have a need to compare rates from a particular provider, you can always jump over to their website and fill out their quote form.
If you are wanting to purchase car insurance from a reliable insurance agency, you must know there are a couple different types of agents and how they function. Agents can be categorized as either exclusive or independent (non-exclusive). Either one can write car insurance policies, but it’s good to learn why they differ since it can impact the type of agent you choose.
Independent Car Insurance Agencies or Brokers
These type of agents are not restricted to one company and that is an advantage because they can write policies with multiple insurance companies and find you cheaper rates. To move your coverage to a new company, they simply move your policy to a different company which makes it simple for you. When shopping rates, you should always get rate quotes from independent agents for the best price selection. Many can place coverage with additional companies that you may not be familiar with who may have lower rates.
The following is a short list of independent agencies in Louisville who may provide price quote information.
- Schmidt Insurance Inc
7410 New La Grange Rd – Louisville, KY 40222 – (502) 429-0477 – View Map - Louisville Kentucky Insurance
4500 Dixie Hwy – Louisville, KY 40216 – (502) 447-3711 – View Map - Nationwide Insurance: Christopher James Parsons Agency
10300 Brookridge Village Blvd Ste 103 – Louisville, KY 40291 – (502) 239-5054 – View Map
Exclusive Insurance Agencies
Agents that elect to be exclusive can usually just insure with one company such as Allstate, Farmers Insurance, State Farm, and AAA. They usually cannot give you multiple price quotes so it’s a take it or leave it situation. Exclusive agents are well trained on what they offer which helps them sell on service rather than price. Some consumers prefer to buy from the same agent for years mostly because of the brand legacy rather than low rates.
The following is a short list of exclusive insurance agencies in Louisville who can help you get comparison quotes.
- Justin Roper – State Farm Insurance Agent
8800 Dixie Hwy b – Louisville, KY 40258 – (502) 271-3211 – View Map - Dave Metzger – State Farm Insurance Agent
6015 Bardstown Rd – Louisville, KY 40291 – (502) 239-4800 – View Map - Jeremy Graham – State Farm Insurance Agent
5438 New Cut Rd Ste 102 – Louisville, KY 40214 – (502) 368-6529 – View Map
Finding a good insurance agency requires more thought than just a cheap price quote. A good agent in Louisville will have answers to these questions.
- How much can you save by raising your physical damage deductibles?
- Are there any discounts that you might be missing?
- Which insurance company do they prefer to write with?
- When do they do policy reviews?
- Are they able to provide referrals?
- Are there any discounts for paying up front?
- Do they write coverage based solely on cost?
Why auto insurance is not optional
Even though it can be expensive, buying auto insurance serves an important purpose.
- Just about all states have mandatory insurance requirements which means the state requires a minimum amount of liability in order to drive the car legally. In Kentucky these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you bought your vehicle with a loan, it’s most likely the lender will require you to carry insurance to guarantee payment of the loan. If coverage lapses or is canceled, the bank or lender will purchase a policy for your Nissan at a much higher premium rate and force you to pay much more than you were paying before.
- Insurance safeguards your vehicle and your assets. It will also pay for medical expenses for yourself as well as anyone injured by you. One of the most valuable coverages, liability insurance, also pays for attorney fees and expenses if you are named as a defendant in an auto accident. If mother nature or an accident damages your car, comprehensive and/or collision insurance will pay all costs to repair after the deductible has been paid.
The benefits of having insurance more than offset the price you pay, especially if you ever need it. On average, a vehicle owner in Louisville overpays more than $830 a year so you should quote rates at least once a year to save money.
What auto insurance coverages do you need?
Having a good grasp of your auto insurance policy helps when choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.
Collision coverage protection
Collision insurance pays to fix your vehicle from damage resulting from a collision with another car or object. You have to pay a deductible then your collision coverage will kick in.
Collision insurance covers claims such as hitting a mailbox, sustaining damage from a pot hole, damaging your car on a curb and backing into a parked car. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. It’s also possible to increase the deductible on your Murano to bring the cost down.
Coverage for medical expenses
Med pay and PIP coverage kick in for bills for chiropractic care, prosthetic devices and doctor visits. They can be used to fill the gap from your health insurance program or if you do not have health coverage. It covers all vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible
Comprehensive auto insurance
This pays for damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive can pay for claims like a tree branch falling on your vehicle, a broken windshield, damage from flooding and damage from a tornado or hurricane. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.
Liability insurance
Liability insurance will cover injuries or damage you cause to a person or their property. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 25/50/10 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $10,000. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.
Liability coverage pays for things such as court costs, medical expenses, repair bills for other people’s vehicles, loss of income and medical services. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as large an amount as possible. Kentucky state law requires minimum liability limits of 25/50/10 but drivers should carry better liability coverage.
The next chart shows why the minimum limit may not be high enough to cover claims.
Coverage for uninsured or underinsured drivers
This provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.
Since a lot of drivers carry very low liability coverage limits (25/50/10), it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Usually the UM/UIM limits are identical to your policy’s liability coverage.
Best auto insurance company in Louisville
Ending up with a good quality company can be challenging considering how many companies sell coverage in Louisville. The company ratings in the next section could help you decide which coverage providers to look at comparing prices from.
Top 10 Louisville Car Insurance Companies Overall
- Travelers
- USAA
- Mercury Insurance
- AAA Insurance
- Nationwide
- Allstate
- State Farm
- The Hartford
- Safeco Insurance
- Progressive
Compare auto insurance prices regularly to save
When trying to cut insurance costs, don’t be tempted to skimp on coverage in order to save money. There are many occasions where consumers will sacrifice comprehensive coverage or liability limits only to discover later they didn’t purchase enough coverage. The ultimate goal is to buy enough coverage for the lowest cost while not skimping on critical coverages.
There are still a few companies who may not have online quoting and most of the time these small insurance companies work with independent insurance agencies. Cheaper Nissan Murano insurance in Louisville can be bought online and also from your neighborhood Louisville agents, and you need to price shop both in order to have the best price selection to choose from.
Throughout this article, we presented a lot of techniques to find cheap Nissan Murano insurance in Louisville. The key concept to understand is the more price quotes you have, the better chance you’ll have of finding the cheapest Nissan Murano rate quotes. You may even find the lowest prices are with a small mutual company.
To read more, feel free to visit these articles:
- Event Data Recorders FAQ (iihs.org)
- Who Has the Cheapest Auto Insurance Quotes for High School Students in Louisville? (FAQ)
- How Much is Car Insurance for Young Drivers in Louisville? (FAQ)
- How Much is Auto Insurance for Government Employees in Louisville? (FAQ)
- Who Has Cheap Car Insurance Rates for a 20 Year Old Male in Louisville? (FAQ)
- Who Has Affordable Car Insurance Rates for Electric Cars in Louisville? (FAQ)
- Liability Insurance Coverage (Nationwide)
- What is Covered by GAP Insurance? (Allstate)
- Auto Insurance Learning Center (State Farm)