Insurance rates Nissan Murano in Fort CollinsDid a good deal turn out to be an expensive auto insurance policy? Trust us, you're not alone.

Shocking but true, a large majority of consumers have stayed with the same insurance company for at least four years, and almost half have never compared quotes from other companies. With the average auto insurance premium being $1,810, Colorado drivers can save nearly 35% each year just by shopping around, but they feel it's too difficult to compare rates. Numerous car insurance companies battle for your insurance dollar, so it's not easy to compare every insurer to get the lowest rate possible on Nissan Murano insurance in Fort Collins.

All major auto insurance companies like Progressive, Allstate and GEICO allow you to get insurance quotes online. The process is pretty painless as you just type in your coverage information as requested by the quote form. After the form is submitted, the company's rating system gets reports for credit and driving violations and generates a price determined by many factors. Getting online price quotes for Nissan Murano insurance in Fort Collins makes comparing rates easy, and it's also necessary to have as many quotes as possible if you want to find a lower rate.

To find out if lower rates are available, check out the auto insurance providers below. To compare your current rates, we recommend you copy the coverage information just like they are on your policy. Doing this guarantees you will have a rate comparison based on identical coverages.

The providers in the list below have been selected to offer price quotes in Fort Collins, CO. If multiple companies are shown, we recommend you visit two to three different companies in order to find the most affordable rates.

Nissan Murano Insurance Cost Estimates in Fort Collins, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Murano S 2WD $246 $420 $362 $22 $108 $1,158 $97
Murano S AWD $344 $546 $460 $28 $138 $1,516 $126
Murano SL 2WD $260 $516 $456 $28 $136 $1,396 $116
Murano SL AWD $260 $536 $396 $24 $118 $1,334 $111
Murano LE 2WD $334 $740 $426 $26 $128 $1,654 $138
Murano LE AWD $240 $492 $456 $28 $136 $1,352 $113
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Table data represents single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Premium amounts do not factor in specific location which can increase or decrease coverage rates considerably.

Gender-based auto insurance rates

The information below illustrates the comparison of Nissan Murano insurance rates for male and female drivers. Data assumes a clean driving record, no at-fault accidents, full physical damage coverage, $1,000 deductibles, drivers are not married, and no discounts are taken into consideration.

Nissan Murano liability-only versus full coverage

The illustration below illustrates the comparison of Nissan Murano insurance premiums when comparing full coverage to state minimum liability only. The premiums are based on no accidents or driving violations, $1,000 deductibles, single male driver, and no other discounts are factored in.

Deciding between full coverage and liability only

There is no specific rule of when to drop comprehensive and collision coverage on your policy, but there is a general convention. If the annual cost of your full coverage insurance is 10% or more of the vehicle's replacement cost less your deductible, then it's probably a good time to buy liability coverage only.

For example, let's assume your Nissan Murano replacement cost is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $7,000 after paying your policy deductible. If premium cost is more than $700 annually for your policy with full coverage, then it might be time to buy liability only.

There are some circumstances where dropping full coverage is not in your best interest. If you still have a lienholder on your title, you have to keep full coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should maintain full coverage.

These discounts can lower your auto insurance quotes

Some companies don't always publicize every available discount very clearly, so the next list breaks down a few of the more common as well as the least known discounts that you can inquire about if you buy Fort Collins car insurance online.Discount auto insurance

Just know that most discount credits are not given to the entire policy premium. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. Just because you may think all the discounts add up to a free policy, that's just not realistic.

Larger auto insurance companies and some of their more popular discounts include:

Before buying, ask each company or agent to apply every possible discount. Some discounts listed above may not be offered everywhere. If you would like to choose from a list of providers that have a full spectrum of discounts in Colorado, follow this link.

Why you need Nissan Murano insurance in Colorado

Despite the high cost, maintaining insurance is mandatory in Colorado but it also protects more than you think.

First, most states have minimum mandated liability insurance limits which means state laws require specific minimum amounts of liability coverage in order to drive the car legally. In Colorado these limits are 25/50/15 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.

Second, if you have a loan on your car, most banks will require you to have comprehensive coverage to guarantee payment of the loan. If you cancel or allow the policy to lapse, the bank may insure your Nissan for a much higher rate and make you pay much more than you were paying before.

Third, insurance protects both your vehicle and your personal assets. It will also reimburse you for medical transport and hospital expenses for both you and anyone you injure as the result of an accident. Liability insurance also pays for attorney fees and expenses if you are named as a defendant in an auto accident. If your Nissan gets damaged, comprehensive and/or collision insurance will pay to restore your vehicle to like-new condition.

The benefits of carrying enough insurance more than cancel out the cost, particularly if you ever have a claim. The average driver in Colorado is overpaying over $700 annually so shop around at every policy renewal to ensure rates are inline.

Everyone needs different insurance coverages

When it comes to the right insurance coverage for your personal vehicles, there isn't really a cookie cutter policy. Coverage needs to be tailored to your specific needs.Higher deductibles save money

Here are some questions about coverages that may help highlight if you may require specific advice.

If it's difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you don't have a local agent, simply complete this short form. It is quick, free and can provide invaluable advice.

Independent versus exclusive insurance agencies

Certain consumers just prefer to go talk to an agent and that is not a bad decision Professional agents are very good at helping people manage risk and will help you if you have claims. The best thing about getting online price quotes is the fact that drivers can get better rates but still work with a licensed agent.

After completing this short form, your coverage information is instantly submitted to agents in your area that give free quotes to get your business. You never need to even leave your home since rate quotes are delivered immediately to your email address. If for some reason you want to compare prices for a specific company, you would need to visit that company's website and give them your coverage information.

Finding the right insurer needs to be determined by more than just the bottom line cost. The questions below may impact your decision as well.

Pick the best car insurance agent in Fort Collins for you

When researching a reliable insurance agent, you need to know there are two different types of agencies and how they are distinctly different. Insurance agencies in Fort Collins can either be exclusive or independent. Either type can sell insurance policies, but it's worth mentioning the differences because it can influence the selection process.

Exclusive Insurance Agents

Exclusive agencies can only write with one company and examples are Farmers Insurance, American Family, State Farm and Allstate. They generally cannot shop your coverage around so if the price isn't competitive there isn't much they can do. These agents receive extensive training on sales techniques which aids in selling service over price.

Below is a list of exclusive insurance agencies in Fort Collins that can give you rate quotes.

1318 S College Ave - Fort Collins, CO 80524 - (970) 493-9336 - View Map

732 S Lemay Ave b - Fort Collins, CO 80524 - (970) 226-0919 - View Map

Dave Lawser - State Farm Insurance Agent
4605 Ziegler Rd #1 - Fort Collins, CO 80528 - (970) 226-1306 - View Map

More Fort Collins agents

Independent Agents

Independent agencies often have affiliation with several companies so they can quote policies amongst many companies and find the cheapest rate. If premiums increase, they simply move the coverage in-house and the insured can keep the same agent. When comparison shopping, you absolutely need to compare quotes from at least one independent agent so that you can do a thorough price comparison.

The following are Fort Collins independent agents that are able to give comparison quotes.

1719 E Mulberry St - Fort Collins, CO 80524 - (970) 663-5811 - View Map

4532 Mcmurry Ave Ste 101 - Fort Collins, CO 80525 - (970) 206-0800 - View Map

4532 E Boardwalk Dr #200 - Fort Collins, CO 80525 - (970) 482-7747 - View Map

More Fort Collins agents

Upon getting good responses to any questions you have as well as offering an affordable quote, you may have just found an insurance agency that can be trusted to properly insure your vehicles. It's important to know that consumers can terminate your policy when you choose so never assume that you're stuck with any particular company with no way to switch.