Auto Insurance Quotes for a Nissan Murano in Bakersfield

We don’t have to tell you that car insurance companies don’t want you to compare rates. People who compare price quotes are highly likely to buy a new policy because the odds are good of finding a policy with more affordable rates. A recent insurance study discovered that people who regularly compared rates saved approximately $850 each year as compared to drivers who don’t make a habit of comparing rates.

If finding the most affordable insurance in Bakersfield is your target objective, then knowing how to get free comparison quotes and analyze coverage rates can help you succeed in finding affordable rates.

Insurance quote for Nissan Murano in BakersfieldTruthfully, the best way to find more affordable Nissan Murano insurance in Bakersfield is to regularly compare price quotes from companies who sell insurance in California. Drivers can shop around by following these steps.

An important bit of advice to remember is to make sure you enter identical deductibles and limits on each quote and and to look at all possible companies. This helps ensure a level playing field and a thorough selection of prices.

The car insurance companies shown below can provide price quotes in California. If multiple providers are shown, we recommend you visit several of them in order to get a fair rate comparison.

Car insurance analysis for a Nissan Murano

The table below outlines a range of insurance coverage prices for Nissan Murano models. Learning how insurance quotes are calculated can be of help when making smart choices when choosing a car insurance company.

Nissan Murano Insurance Rates in Bakersfield, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Murano S 2WD $308 $570 $596 $36 $178 $1,688 $141
Murano S AWD $308 $570 $596 $36 $178 $1,688 $141
Murano SL 2WD $308 $570 $596 $36 $178 $1,688 $141
Murano SL AWD $308 $570 $596 $36 $178 $1,688 $141
Murano LE 2WD $348 $672 $596 $36 $178 $1,830 $153
Murano LE AWD $348 $672 $596 $36 $178 $1,830 $153
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Cost estimates assume single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, multi-vehicle, and homeowner. Estimates do not factor in specific garaging location which can impact prices noticeably.

Should you raise deductibles?

One frequently asked question is which deductibles should you choose. The comparison tables below lay out the costs and benefits when you select higher and lower coverage deductibles. The first set of rates uses a $100 physical damage deductible and the second price table uses a $1,000 deductible.

Nissan Murano insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Murano S 2WD $380 $686 $442 $26 $132 $1,691 $141
Murano S AWD $380 $686 $442 $26 $132 $1,691 $141
Murano SL 2WD $380 $686 $442 $26 $132 $1,691 $141
Murano SL AWD $380 $686 $442 $26 $132 $1,691 $141
Murano LE 2WD $430 $810 $442 $26 $132 $1,865 $155
Murano LE AWD $430 $810 $442 $26 $132 $1,865 $155
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Nissan Murano insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Murano S 2WD $210 $362 $442 $26 $132 $1,172 $98
Murano S AWD $210 $362 $442 $26 $132 $1,172 $98
Murano SL 2WD $210 $362 $442 $26 $132 $1,172 $98
Murano SL AWD $210 $362 $442 $26 $132 $1,172 $98
Murano LE 2WD $238 $426 $442 $26 $132 $1,264 $105
Murano LE AWD $238 $426 $442 $26 $132 $1,264 $105
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Price information does not factor in garaging location in Bakersfield which can increase or decrease rates considerably.

Based on this data, using a $100 deductible costs approximately $46 more each month or $552 every year averaged for all Murano models than choosing the higher $1,000 deductible. Due to the fact that you would have to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you average at a minimum 20 months between claim filings, you would most likely save money if you opt for a higher deductible. Below is an example of how you can make your own decision.

Average monthly premium for $100 deductibles: $146
Average monthly premium for $1,000 deductibles (subtract): – $100
Monthly savings from raising deductible: $46
Difference between deductibles ($1,000 – $100): $900
Divide difference by monthly savings: $900 / $46
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 20 months

The information below shows how different deductible levels and can influence Nissan Murano insurance rates for each age group. The price estimates are based on a single female driver, full coverage, and no discounts are taken into consideration.

Violations and accidents raise rates

The chart below demonstrates how traffic citations and at-fault collisions can increase Nissan Murano insurance premiums for different age groups. The premiums are based on a married female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are factored in.

Premiums by gender and age

The example below visualizes the comparison of Nissan Murano premium costs for male and female drivers. The rate quotes are based on no violations or claims, comp and collision included, $100 deductibles, single status, and no discounts are applied.

Do you need full coverage?

The example below shows the difference between Nissan Murano insurance costs with full physical damage coverage and with liability coverage only. The premiums assume no accidents, no driving violations, $250 deductibles, single marital status, and no discounts are taken into consideration.

When to buy liability coverage only

There is no clear-cut formula for phasing out full coverage, but there is a broad guideline. If the annual cost of having full coverage is more than about 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 pretend your Nissan Murano replacement cost is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $4,000 after paying your policy deductible. If premiums are more than $400 a year for full coverage, the it may be a good time to stop paying for full coverage.

There are some scenarios where removing full coverage is not advised. If you still owe money on your vehicle, you have to carry full coverage in order to prevent your loan from defaulting. Also, if you don’t have enough money to buy a different vehicle if your current one is in an accident, you should not remove full coverage.

Car insurance does more than just protect your car

Despite the fact that car insurance is not cheap in Bakersfield, paying for car insurance may be required and benefits you in several ways.

First, just about all states have mandatory insurance requirements which means it is punishable by state law to not carry a minimum amount of liability in order to license the vehicle. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.

Second, if you bought your vehicle with a loan, almost all lenders will require that you carry insurance to ensure they get paid if you total the vehicle. If you cancel or allow the policy to lapse, the bank or lender will purchase a policy for your Nissan at a much higher premium rate and force you to reimburse them a much higher amount than you were paying before.

Third, insurance protects both your car and your personal assets. It will also provide coverage for medical transport and hospital expenses for not only you but also any passengers injured in an accident. As part of your policy, liability insurance will also pay for a defense attorney if you cause an accident and are sued. If you have damage to your Nissan as the result of the weather or an accident, collision and comprehensive coverages will pay to restore your vehicle to like-new condition.

The benefits of carrying enough insurance more than offset the price you pay, especially with large liability claims. But the average driver in California is overpaying more than $830 a year so it’s very important to do a rate comparison each time the policy renews to be sure current rates are still competitive.

Nissan Murano Insurance Price Factors

A large part of saving on auto insurance is knowing some of the elements that aid in calculating your premiums. When you understand what impacts premium levels, this helps enable you to make changes that may reward you with cheaper rates. Lots of factors are used when quoting car insurance. Some factors are common sense such as your driving record, although some other factors are not as apparent such as whether you are married or your vehicle rating.

Best auto insurance company in California

Insuring your vehicle with a high-quality car insurance provider can be rather challenging considering how many companies there are in Bakersfield. The company ratings displayed below can help you analyze which car insurance providers to look at when comparing rate quotes.

Top 10 Bakersfield Car Insurance Companies Ranked by Claims Service

  1. AAA of Southern California
  2. State Farm
  3. Esurance
  4. AAA Insurance
  5. Progressive
  6. Liberty Mutual
  7. GEICO
  8. Allstate
  9. Titan Insurance
  10. The Hartford

Affordable car insurance rates are out there

You just learned a lot of techniques to shop for Nissan Murano insurance online. It’s most important to understand that the more providers you compare, the higher the chance of saving money. You may even be surprised to find that the best price on car insurance is with a company that doesn’t do a lot of advertising.

Cheap Nissan Murano insurance in Bakersfield can be sourced online and also from your neighborhood Bakersfield agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance providers do not offer rate quotes online and most of the time these smaller providers provide coverage only through independent agents.

When searching for inexpensive Bakersfield auto insurance quotes, never skimp on critical coverages to save a buck or two. In too many instances, drivers have reduced liability limits or collision coverage and learned later that a couple dollars of savings turned into a financial nightmare. The aim is to purchase plenty of coverage at a price you can afford, not the least amount of coverage.

Additional car insurance information can be read on the following sites: