If saving the most money is your goal, then the best way to save money on car insurance rates is to compare quotes annually from insurance carriers in Stockton.
- Try to learn about coverages and the things you can change to prevent expensive coverage. Many rating criteria that drive up the price such as multiple speeding tickets and poor credit rating can be rectified by paying attention to minor details. This article provides instructions to get cheaper rates and find discounts that may have been missed.
- Obtain price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only provide price estimates from one company like Progressive and State Farm, while agents who are independent can provide price quotes for a wide range of insurance providers.
- Compare the new rate quotes to the premium of your current policy and see if there is a cheaper rate in Stockton. If you find a better price and decide to switch, ensure coverage does not lapse between policies.
- Notify your current company to cancel your existing policy. Submit the completed application along with a down payment to the new company. Immediately keep your new certificate verifying coverage in your glove compartment.
A good tip to remember is to use the same amount of coverage on every quote request and to quote with as many car insurance companies as possible. This helps ensure a fair rate comparison and a good representation of prices.
Anyone knows that auto insurance companies don’t want you shop around. Insureds who shop for lower rates are highly likely to move their business because there is a good chance of finding a lower-cost company. A survey found that drivers who faithfully checked for cheaper rates saved about $70 a month as compared to drivers who never compared other company’s rates.
If finding the best rates on insurance is why you’re reading this, then having an understanding of the best ways to shop for insurance can save money and time.
Companies offering Nissan Murano insurance in California
The companies shown below are our best choices to provide quotes in California. If multiple providers are shown, we recommend you visit two to three different companies to get a more complete price comparison.
Car insurance analysis for a Nissan Murano
The data table shown below highlights estimates of insurance policy prices for Nissan Murano models. Learning as much as possible about how insurance prices are established can be valuable when making smart policy decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Murano S 2WD | $240 | $362 | $578 | $34 | $174 | $1,388 | $116 |
| Murano S AWD | $240 | $362 | $578 | $34 | $174 | $1,388 | $116 |
| Murano SL 2WD | $240 | $362 | $578 | $34 | $174 | $1,388 | $116 |
| Murano SL AWD | $240 | $362 | $578 | $34 | $174 | $1,388 | $116 |
| Murano LE 2WD | $272 | $426 | $578 | $34 | $174 | $1,484 | $124 |
| Murano LE AWD | $272 | $426 | $578 | $34 | $174 | $1,484 | $124 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Price information does not factor in specific Stockton garaging location which can decrease or increase coverage prices significantly.
The diagram below illustrates how choosing a deductible and can change Nissan Murano insurance rates for each age group. The premiums assume a married female driver, full physical damage coverage, and no other discounts are factored in.
Gender-based car insurance rates in Stockton
The diagram below shows the difference between Nissan Murano insurance costs for male and female drivers. The information is based on no violations or claims, comp and collision included, $100 deductibles, drivers are not married, and no discounts are factored in.
Comparison of full coverage and liability-only policies
The example below visualizes the comparison of Nissan Murano insurance prices with full physical damage coverage compared to only buying liability only. The premiums are based on no accidents, no driving violations, $250 deductibles, drivers are single, and no other discounts are factored in.
Guidelines for eliminating full coverage
There is no exact formula for phasing out comprehensive and collision coverage on your policy, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is more than 10% of the settlement you would receive from your company, then you might want to consider buying only liability coverage.
For example, let’s say your Nissan Murano replacement cost is $4,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most your company would pay you is $3,000 after the deductible is paid. If it’s costing you more than $300 a year for comprehensive and collision coverage, then you may need to consider dropping full coverage.
There are a few situations where dropping physical damage coverage is not recommended. If you haven’t paid off your loan, you have to carry full coverage in order to keep the loan. Also, if you can’t afford to buy a different vehicle in the even your car is totaled, you should not opt for liability only.
Save with these premium slashing discounts
Some companies do not list every available discount very clearly, so here is a list some of the best known in addition to some of the lesser obvious discounts you could be receiving when you buy Stockton auto insurance online. If you check and find you aren’t receiving every discount you qualify for, you could be paying more than you need to.
- Discount for Life Insurance – Insurance companies who offer life insurance give a discounted premium rate on car insurance if you buy some life insurance in addition to your auto policy.
- Multi-car Discount – Having primary and secondary vehicles on a single policy may reduce the rate for each vehicle.
- Early Signing – A few insurance companies allow discounts for switching to them prior to the expiration date on your current Murano insurance policy. It’s a savings of about 10%.
- Good Student Discount – Performing well in school may save you up to 25%. The discount lasts until age 25.
- 55 and Retired – Drivers that qualify as senior citizens may be able to get reduced rates.
While discounts sound great, it’s important to understand that many deductions do not apply to the entire cost. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. Even though it appears you can get free auto insurance, that’s just not realistic. Any qualifying discounts should help lower your policy premiums.
The example below visualizes the comparison of Nissan Murano car insurance rates with and without discounts being applied to the rates. The premiums assume a female driver, no driving violations, no at-fault accidents, California state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, claim-free, marriage, multi-car, and multi-policy discounts applied.
If you would like to see a list of insurance companies that can offer you the previously mentioned discounts in Stockton, click here.
Informed Decisions Result in Lower Insurance Rates
Many things are part of the equation when you get your auto insurance bill. A few of the factors are predictable such as your driving record, although others are not quite as obvious such as whether you are married or how safe your car is.
The following are some of the most common factors insurance companies consider when setting prices.
Defend yourself with liability – The liability section of your policy will provide protection if ever you are found liable for damages caused by your negligence. It provides for a legal defense to defend your case. Liability is cheap when compared with rates for comp and collision, so drivers should make sure they buy enough to cover all assets.
How credit score affects insurance prices – A driver’s credit rating can be a huge factor in calculating your insurance rates. If your credit rating is not that good, you could pay less to insure your Nissan Murano by improving your credit score. Consumers who have high credit ratings tend to file fewer claims as compared to drivers with worse credit.
Extra policy coverages can cost a lot – There are many extra bells and whistles that can add up on your insurance policy. Coverages like personal injury protection, better glass coverage, and Farm Bureau memberships may be costing you every month. They may sound like good ideas when talking to your agent, but your money might be better spent on other coverage so eliminate them to save money.
Get married and pay less – Having a wife or husband actually saves money on your policy. Marriage is viewed as being less irresponsible and it’s proven that being married results in fewer claims.
Driving citations drive up prices – Drivers with clean records pay less for auto insurance compared to bad drivers. Having just one citation may increase your cost by as much as twenty percent. Drivers who have received careless violations like DUI or reckless driving may find that they have to to maintain a SR-22 with their state DMV in order to prevent their license from being revoked.
The information below highlights how traffic violations and accidents can drive up Nissan Murano annual premium costs for different age groups. The costs are based on a single male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied.
High comp and collision deductibles equal low rates – Coverage for physical damage, otherwise known as comp (or other than collision) and collision, protects your Nissan from damage. A few examples of covered claims are a broken windshield, vandalism, and damage caused by flying debris. The deductibles are how much you are willing to pay out-of-pocket if a claim is determined to be covered. The more expense you have to pay, the lower your rates will be.
Loss probability for a Nissan Murano – Insurance companies use historical loss data as a tool for profitable underwriting. Vehicles that historically have higher prevalence or dollar amount of losses will be charged more to insure. The information below illustrates the collected loss data for Nissan Murano vehicles.
For each coverage type, the claim amount for all vehicles, as a total average, is equal to 100. Numbers that are below 100 are indicative of better than average losses, while values over 100 indicate more frequent losses or an increased chance of a larger loss.
| Specific Nissan Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Nissan Murano 4dr 2WD | 79 | 105 | ||||
| Nissan Murano 4dr 4WD | 102 | 66 | 98 | 84 |
Empty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Compare prices but work with a neighborhood Stockton auto insurance agent
Some consumers just prefer to sit down with an agent and that is a smart decision Good insurance agents can help determine the best coverages and give you someone to call. One of the great benefits of getting online price quotes is you can get cheap rate quotes but also keep your business local.
After filling out this short form, your insurance data is emailed to insurance agents in Stockton who will give competitive quotes and help you find cheaper coverage. It makes it easy because there is no need to search for any insurance agencies because prices are sent directly to your email. If you need to compare prices from one company in particular, just navigate to their website and give them your coverage information.
Finding the right insurance company shouldn’t rely on just a cheap price quote. Here are some questions you should ask.
- Is insurance their full-time profession?
- Is auto insurance their primary focus in Stockton?
- Is there any savings for paying the full premium?
- When do they do a full risk review?
- Where would glass claims be handled in Stockton?
- In the event of vehicle damage, can you pick the collision repair facility?
If you want to buy car insurance from a local Stockton insurance agent, it’s important to understand the types of agencies to choose from. Car insurance policy providers are categorized either independent or exclusive depending on the company they work for. Both types of agents can write car insurance policies, but we need to point out the difference between them since it could factor into the type of agent you choose.
Exclusive Insurance Agents
These agents can only provide pricing for a single company and some examples include State Farm, Allstate and AAA. They generally cannot shop your coverage around so they are skilled at selling on more than just price. Exclusive insurance agents are usually quite knowledgeable on the products they sell which can be an advantage. Some consumers prefer to buy from exclusive agents partially due to loyalty to the company rather than low price.
The following are Stockton exclusive insurance agencies who can help you get comparison quotes.
- Kim Martinez – State Farm Insurance Agent
4255 Pacific Ave #5 – Stockton, CA 95207 – (209) 478-4010 – View Map - Angel Sepulveda – State Farm – Stockton
6838 Pacific Ave – Stockton, CA 95207 – (209) 952-2154 – View Map - Darius Turner – State Farm Insurance Agent
1036 W Robinhood Dr Ste 103 – Stockton, CA 95207 – (209) 475-9336 – View Map
Independent Insurance Agents
These agents often have affiliation with several companies and that enables them to quote your coverage with multiple insurance companies and find the cheapest car insurance rates. If you want to switch companies, they can switch companies in-house and the insured can keep the same agent.
When comparison shopping, you should always compare prices from independent agents in order to compare the most rates. They often place coverage with different regional companies which can save you money.
The following are independent agents in Stockton that are able to give rate quotes.
- Truex Insurance Agency
4609 Quail Lakes Dr #1 – Stockton, CA 95207 – (209) 477-1111 – View Map - Sanguinetti and Co Insurance Brokers
7337 Pacific Ave – Stockton, CA 95207 – (209) 322-4048 – View Map - Quality General Insurance Services
3008 E Hammer Ln # 109 – Stockton, CA 95212 – (209) 952-5139 – View Map
Insurance savings summarized
More affordable insurance in Stockton is attainable on the web and from local insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance companies do not provide online quoting and usually these smaller providers only sell coverage through independent agents.
In this article, we presented a lot of tips how to compare Nissan Murano insurance prices in Stockton. The key concept to understand is the more quotes you get, the higher your chance of finding affordable Stockton auto insurance quotes. You may even be surprised to find that the best prices are with the smaller companies.
People who switch companies do it for any number of reasons including an unsatisfactory settlement offer, policy non-renewal, delays in paying claims or lack of trust in their agent. It doesn’t matter what your reason, finding a great new company is not as hard as you think.
Helpful learning opportunities
- How to shop for a safer car (Insurance Institute for Highway Safety)
- Who Has Affordable Stockton Car Insurance Rates for a Toyota Tacoma? (FAQ)
- What Insurance is Cheapest for Teachers in Stockton? (FAQ)
- How Much is Stockton Car Insurance for Drivers with a DUI? (FAQ)
- How Much are Auto Insurance Rates for High Risk Drivers in Stockton? (FAQ)
- Who Has the Cheapest Auto Insurance for a Ford Explorer in Stockton? (FAQ)
- Liability Insurance Coverage (Nationwide)
- Child Safety FAQ (iihs.org)
- Frontal Crash Tests (iihs.org)
- What is Full Coverage? (Allstate)