Find Affordable Nissan Murano Insurance in Miami

Insurance rates Nissan Murano in MiamiPurchasing cheap Miami Nissan Murano insurance quotes on the internet might seem somewhat difficult for drivers new to quoting and price shopping on the internet. Because there are so many insurance companies available, how are we expected to possibly compare every one to find the best pricing?

It’s an obvious assumption that insurance companies don’t want you comparing rates. Consumers who shop around at least once a year will probably buy a different policy because there is a great chance of finding coverage at a more affordable price. Remarkably, a study showed that consumers who routinely compared quotes saved on average $72 a month compared to people who never shopped around.

If finding low prices for auto insurance is the reason you’re reading this, then knowing how to quote and compare insurance coverage can make it easier to shop your coverage around.

There are several ways to compare rate quotes from insurance companies in your area. The quickest method to lower the rate you pay for Nissan Murano insurance is to use the internet to compare rates. When comparing insurance rates, know that comparing a large number of companies increases your odds of finding a lower rate than you’re paying now.

The companies in the list below provide free rate quotes in Miami, FL. If you want cheap auto insurance in Florida, it’s a good idea that you visit two to three different companies to get a more complete price comparison.

Cheap Miami insurance quotes with discounts

Companies offering auto insurance do not advertise every discount they offer very well, so the following list contains a few of the more well known in addition to some of the lesser obvious credits available to lower your premiums when you buy Miami car insurance online. If you’re not getting every credit possible, you could be saving more on your insurance.Save money with discounts

Keep in mind that most of the big mark downs will not be given to your bottom line cost. Some only apply to specific coverage prices like comp or med pay. So when the math indicates adding up those discounts means a free policy, companies don’t profit that way. Any amount of discount will positively reduce the amount you pay for coverage.

The chart below illustrates the comparison of Nissan Murano premium costs with and without discounts applied to the policy rates. The rate quotes are based on a male driver, no claims or driving violations, Florida state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, multi-policy, marriage, multi-car, and claim-free discounts applied.

Some of the insurance companies that may offer quotes with some of the discounts shown above are:

If you need inexpensive Miami car insurance quotes, ask each insurance company how many discounts you can get. All car insurance discounts might not be offered on policies in your area. To locate insurance companies that offer discounts in Miami, click here.

Rates and information analytics

The premium information shown below showcases estimates of insurance coverage prices for Nissan Murano models. Understanding more about how premiums are formulated can be of help when making decisions when shopping your coverage around.


Nissan Murano Insurance Rates in Miami, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Murano S 2WD $276 $538 $392 $24 $118 $1,348 $112
Murano S AWD $276 $538 $392 $24 $118 $1,348 $112
Murano SL 2WD $276 $538 $392 $24 $118 $1,348 $112
Murano SL AWD $276 $538 $392 $24 $118 $1,348 $112
Murano LE 2WD $312 $634 $392 $24 $118 $1,480 $123
Murano LE AWD $312 $634 $392 $24 $118 $1,480 $123
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Data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Florida minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Estimates do not factor in specific garaging location which can affect prices considerably.

Car insurance deductibles

One of the more difficult decisions when buying car insurance is at what level do you set your deductibles. The rates shown below approximate the price difference when you buy lower versus higher physical damage coverage deductibles. The first set of rates uses a $250 deductible for comprehensive and collision coverage and the second set of prices uses a $500 deductible.


Nissan Murano insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Murano S 2WD $322 $544 $418 $24 $124 $1,457 $121
Murano S AWD $322 $544 $418 $24 $124 $1,457 $121
Murano SL 2WD $322 $544 $418 $24 $124 $1,457 $121
Murano SL AWD $322 $544 $418 $24 $124 $1,457 $121
Murano LE 2WD $364 $640 $418 $24 $124 $1,595 $133
Murano LE AWD $364 $640 $418 $24 $124 $1,595 $133
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Nissan Murano insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Murano S 2WD $262 $438 $418 $24 $124 $1,266 $106
Murano S AWD $262 $438 $418 $24 $124 $1,266 $106
Murano SL 2WD $262 $438 $418 $24 $124 $1,266 $106
Murano SL AWD $262 $438 $418 $24 $124 $1,266 $106
Murano LE 2WD $296 $516 $418 $24 $124 $1,378 $115
Murano LE AWD $296 $516 $418 $24 $124 $1,378 $115
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Estimates do not factor in your specific Miami location which can revise insurance rates greatly.

Based on this data, we can arrive at the conclusion that using a $250 deductible costs roughly $16 more each month or $192 every year than quoting the higher $500 deductible. Since you would pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you tend to average at least 16 months between claim filings, you would probably save some money by going with a higher deductible. The table below shows how this calculation is made.

Average monthly premium for $250 deductibles: $125
Average monthly premium for $500 deductibles (subtract): – $109
Monthly savings from raising deductible: $16
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $16
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 16 months

One important issue to know is that raising deductibles means you pay more out-of-pocket when you do file a claim. You need to make sure you have enough extra money in the event you have to pay the higher deductible in order to repair your vehicle.

The illustration below highlights how deductible selection and can affect Nissan Murano insurance premiums for different age groups of insureds. The premiums are based on a married female driver, comprehensive and collision coverage, and no other discounts are factored in.

Get Nissan Murano Insurance at a Discount

Lots of factors are taken into consideration when quoting car insurance. Some are pretty understandable like your driving record, but other factors are more transparent like your continuous coverage or your commute time.