How to Save on Aurora Nissan Murano Insurance

Everyone knows that auto insurance companies want to keep you from comparing rates. Consumers who get price comparisons will, in all likelihood, switch to a new company because there is a good probability of finding more affordable rates. A study discovered that drivers who compared rates once a year saved as much as $3,450 over four years compared to people who never shopped around for lower prices.

If finding the best price on Nissan Murano insurance is your ultimate goal, then knowing the best way to shop and compare insurance rates can make it easier for you to save money.

Discount Nissan Murano insuranceIf you want to save the most money, the best way to find more affordable auto insurance rates in Aurora is to compare prices annually from insurers who provide car insurance in Colorado.

The most important part of this process is to use identical deductibles and limits on each price quote and and to get price quotes from every company you can. This enables an accurate price comparison and a good representation of prices.

The providers in the list below have been selected to offer quotes in Colorado. To find cheap auto insurance in Aurora, it’s highly recommended you get rates from several of them to get the most affordable price.

Nissan Murano coverage statistics

The premium table below highlights a range of insurance coverage prices for Nissan Murano models. Being more informed about how policy premiums are established helps drivers make smart policy decisions.


Nissan Murano Insurance Rates in Aurora, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Murano S 2WD $220 $368 $352 $20 $106 $1,066 $89
Murano S AWD $220 $368 $352 $20 $106 $1,066 $89
Murano SL 2WD $220 $368 $352 $20 $106 $1,066 $89
Murano SL AWD $220 $368 $352 $20 $106 $1,066 $89
Murano LE 2WD $250 $434 $352 $20 $106 $1,162 $97
Murano LE AWD $250 $434 $352 $20 $106 $1,162 $97
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Premium costs do not factor in your specific Aurora location which can change coverage rates substantially.

Policy deductible comparison

The hardest decision when buying coverage is which comprehensive and collision deductibles to buy. The figures shown below illustrate the cost difference when you buy lower versus higher physical damage coverage deductibles. The first set of rates uses a $100 deductible for comp and collision and the second set of prices uses a $500 deductible.


Nissan Murano insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Murano S 2WD $302 $546 $352 $20 $106 $1,351 $113
Murano S AWD $302 $546 $352 $20 $106 $1,351 $113
Murano SL 2WD $302 $546 $352 $20 $106 $1,351 $113
Murano SL AWD $302 $546 $352 $20 $106 $1,351 $113
Murano LE 2WD $342 $644 $352 $20 $106 $1,489 $124
Murano LE AWD $342 $644 $352 $20 $106 $1,489 $124
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Nissan Murano insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Murano S 2WD $220 $368 $352 $20 $106 $1,066 $89
Murano S AWD $220 $368 $352 $20 $106 $1,066 $89
Murano SL 2WD $220 $368 $352 $20 $106 $1,066 $89
Murano SL AWD $220 $368 $352 $20 $106 $1,066 $89
Murano LE 2WD $250 $434 $352 $20 $106 $1,162 $97
Murano LE AWD $250 $434 $352 $20 $106 $1,162 $97
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Premium costs do not factor in Aurora location which can influence coverage prices considerably.

Using the data above, we can ascertain that using a $100 deductible would cost the average driver about $25 more each month or $300 each year across all Nissan Murano models than opting for the higher $500 deductible. Because you would be required to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you go at a minimum 16 months between claims, you would probably come out ahead if you decide on a higher deductible.

The chart below demonstrates how deductible levels and can raise or lower Nissan Murano insurance costs for different ages of insureds. The premiums are based on a single male driver, comprehensive and collision coverage, and no additional discounts are factored in.

Nissan Murano insurance rates by age and gender

The information below shows the difference between Nissan Murano insurance premiums for male and female drivers. The data is based on a clean driving record, no at-fault accidents, comp and collision included, $1,000 deductibles, single status, and no discounts are taken into consideration.

Difference between liability only and full coverage rates

The information below illustrates the comparison of Nissan Murano yearly insurance costs when comparing full coverage to state minimum liability only. The costs are based on no claims or violations, $1,000 deductibles, drivers are not married, and no policy discounts are applied.

When to drop comp and collision

There is no exact rule for eliminating comprehensive and collision coverage on your policy, but there is a general guideline. If the annual cost of comprehensive and collision coverage is about 10% or more of the replacement cost minus the deductible, then it’s probably a good time to buy liability coverage only.

For example, let’s assume your Nissan Murano claim settlement value is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, you would only receive $4,000 after the deductible is paid. If premiums are more than $400 annually for your policy with full coverage, then you might want to consider buying only liability coverage.

There are a few cases where eliminating full coverage is not a good plan. If you still have a loan on your vehicle, you must maintain physical damage coverage in order to keep the loan. Also, if you don’t have enough money to buy a different vehicle in the event your current vehicle is totaled, you should not opt for liability only.

Aurora Insurance Costs are Influenced by These Factors

Many things are part of the calculation when pricing auto insurance. Some of the criteria are obvious such as your driving history, but other factors are not quite as obvious such as your credit history or your vehicle rating.

Three good reasons to insure your Nissan Murano

Despite the high cost of buying insurance for a Nissan Murano in Aurora, insuring your vehicle serves a purpose in several ways.

The benefits of having insurance more than offset the price you pay, particularly if you ever have a claim. On average, a vehicle owner in Aurora overpays as much as $800 each year so shop around at least once a year to help ensure money is not being wasted.