Do you want low-cost insurance rates in Chicago, IL? Chicago drivers have a choice when trying to find affordable Nissan Murano insurance. You can either spend your time contacting agents getting price quotes or use the internet to compare rates. There are more efficient ways to compare insurance rates and you need to know the quickest way to quote coverages on a Nissan and find the lowest possible price from both online companies and Chicago agents.
Companies offering cheap Nissan Murano rates in Chicago, IL
The following companies are ready to provide price quotes in Chicago, IL. If multiple providers are shown, we suggest you visit two to three different companies to get a more complete price comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Murano S 2WD | $194 | $384 | $340 | $20 | $102 | $1,040 | $87 |
| Murano S AWD | $124 | $214 | $262 | $16 | $78 | $694 | $58 |
| Murano SL 2WD | $98 | $182 | $250 | $14 | $76 | $620 | $52 |
| Murano SL AWD | $108 | $220 | $294 | $18 | $88 | $728 | $61 |
| Murano LE 2WD | $176 | $332 | $246 | $14 | $74 | $842 | $70 |
| Murano LE AWD | $196 | $396 | $246 | $14 | $74 | $926 | $77 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Illinois minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Rate information does not factor in specific Chicago garaging location which can impact auto insurance rates significantly.
Auto insurance rates based on gender in Chicago
The chart below compares Nissan Murano insurance costs for male and female drivers. The rate quotes are based on no claims or driving citations, comprehensive and collision coverage, $100 deductibles, marital status is single, and no discounts are applied to the premium.
Careless driving habits raise Chicago auto insurance rates
The chart below highlights how speeding tickets and fender-benders drive up Nissan Murano insurance rates for different age groups. The rate quotes are based on a single female driver, comp and collision included, $250 deductibles, and no other discounts are factored in.
Lower rates by qualifying for these seven discounts
Companies that sell car insurance don’t list the complete list of policy discounts very clearly, so the list below gives a summary of some of the best known and also the more inconspicuous discounts that may be available.
- Discounts for Federal Employees – Active or former government employment can save as much as 8% depending on your company.
- Braking Control Discount – Cars and trucks with ABS and/or traction control prevent accidents and the ABS can save up to 10%.
- Sign Early and Save – Some companies give discounts for renewing your policy before your current Murano insurance policy expires. You could save around 10% when you buy Chicago car insurance online.
- Low Miles Discount – Driving fewer miles could be rewarded with lower car insurance rates on the low mileage vehicles.
- Distant Student – Kids who are enrolled in a college that is more than 100 miles from Chicago without a vehicle on campus can receive lower rates.
- Discount for Life Insurance – Some car insurance companies give lower prices if you buy some life insurance in addition to your auto policy.
- Payment Discounts – If you pay your bill all at once instead of making monthly payments you could save up to 5%.
It’s important to note that many deductions do not apply to the entire policy premium. A few only apply to individual premiums such as liability, collision or medical payments. Despite the appearance that all those discounts means the company will pay you, it doesn’t quite work that way. Any qualifying discounts will reduce your policy cost.
Companies and the discounts they provide are included below.
- Farmers Insurance may include discounts for alternative fuel, electronic funds transfer, distant student, switch companies, and mature driver.
- Esurance offers discounts including homeowner, online quote, multi-policy, good student, and multi-car.
- State Farm has savings for multiple policy, driver’s education, passive restraint, accident-free, and multiple autos.
- GEICO may have discounts that include daytime running lights, military active duty, anti-lock brakes, defensive driver, and emergency military deployment.
- Allstate has discounts for premier discount, utility vehicle, EZ pay plan discount, new car, and early signing.
When quoting, ask each insurance company which discounts you may be entitled to. Depending on the company, some discounts may not apply to policies in your area. If you would like to choose from a list of insurance companies with the best discounts in Illinois, click here.
Shop online but buy locally
Many people still prefer to have an agent’s advice and that can be a great decision Most agents can help determine the best coverages and help in the event of a claim. An additional benefit of comparing rates online is that you can obtain lower premium rates but also keep your business local.
To help locate an agent, after submitting this simple form, your insurance data is transmitted to participating agents in Chicago who will give you quotes for your insurance coverage. You won’t need to even leave your home because prices are sent straight to your inbox. If you have a need to compare rates from a specific company, you just need to visit that company’s website and fill out their quote form.
Selecting an provider should depend on more than just the premium amount. Below are some questions you should ask.
- Are you getting all the discounts the company offers?
- How much experience to they have in personal lines coverages?
- How long has their agency been open in Chicago?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- Do they offer claims assistance after hours?
- Can you choose the body shop in case repairs are needed?
Insurance agent types
When researching a reliable insurance agent, you should know the types of insurance agents to choose from. Insurance agencies in Chicago may be either exclusive or independent (non-exclusive). Either one can insure your vehicles, but it’s a good idea to understand the difference in how they write coverage since it can affect the type of agent you choose.
Exclusive Insurance Agencies
These agents work for only one company such as State Farm or Allstate. Exclusive agencies are unable to provide rate quotes from other companies so they are skilled at selling on more than just price. Exclusive insurance agents are usually quite knowledgeable on the products they sell which helps them sell insurance even at higher premiums. A lot of people use the same exclusive agent partially due to the brand name rather than having low rates.
The following is a list of exclusive agencies in Chicago that are able to give price quote information.
- Judith Gleason – State Farm Insurance Agent
2643 N Harlem Ave – Chicago, IL 60707 – (773) 637-8547 – View Map - Bill Dillard – State Farm Insurance Agent
516 W Diversey Pkwy – Chicago, IL 60614 – (773) 549-2605 – View Map - John Kim – State Farm Insurance Agent
5700 N Lincoln Ave #209 – Chicago, IL 60659 – (773) 561-1700 – View Map
Independent Agencies or Brokers
Independent agencies are not required to write business for one company so as a result can place your coverage through many companies and find the cheapest insurance rates. If you are not satisfied with one company, your agent can just switch to a different company and you stay with the same agent. When comparison shopping, it’s a good idea to include rate quotes from several independent agencies in order to have the best price comparison. They also have the ability to place coverage with smaller mutual companies which can save you money.
The following is a list of independent agents in Chicago that can give you price quote information.
- Illinois Vehicle Auto Insurance
100 W. Randolph, Suite C14 – Chicago, IL 60601 – (312) 201-9111 – View Map - Thomas Ward Insurance Group
707 W Willow St – Chicago, IL 60614 – (312) 254-1500 – View Map - Urban Insurance Agency
800 W Huron St #301 – Chicago, IL 60642 – (312) 664-8088 – View Map
After you get satisfactory answers as well as offering an affordable quote, you may have just found an auto insurance agent that meets the criteria to properly service your insurance policy.
Don’t be fooled by advertising claims
Illinois consumers can’t ignore all the ads that claim the best prices by companies like State Farm, GEICO and Progressive. They all make an identical promise about savings after switching to them.
It sounds good, but how can they all give you a lower rate on Nissan Murano insurance in Chicago? This is the trick they use.
Different companies quote the lowest rates for the type of driver that will be a good risk. For example, a profitable insured should be over the age of 50, has no driving citations, and has great credit. Any new insured who meets those qualifications will get the preferred prices in Chicago and have a good chance to save when they switch companies.
Insureds who do not meet those standards may receive a higher rate with the end result being the customer buying from a different company. The trick is to say “customers who switch” but not “all drivers who get quotes” save that much when switching. That’s why insurance companies can confidently make those statements. This emphasizes why drivers must compare many company’s prices. Because you cannot predict with any certainty which company will have the best premium rates at this point in time.
Specific coverages for a Nissan Murano
Knowing the specifics of a auto insurance policy can be of help when determining the right coverages for your vehicles. Policy terminology can be ambiguous and coverage can change by endorsement.
Medical expense insurance
Med pay and PIP coverage provide coverage for expenses for things like funeral costs, prosthetic devices, dental work, EMT expenses and rehabilitation expenses. They can be utilized in addition to your health insurance plan or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage
Protection from uninsured/underinsured drivers
This coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.
Due to the fact that many Illinois drivers carry very low liability coverage limits (20/40/15), it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.
Comprehensive (Other than Collision)
Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive can pay for claims such as damage from a tornado or hurricane, hitting a deer and theft. The most your auto insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.
Liability car insurance
This coverage can cover injuries or damage you cause to other’s property or people that is your fault. This insurance protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.
It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 20/40/15 which stand for $20,000 bodily injury coverage, a per accident bodily injury limit of $40,000, and property damage coverage for $15,000.
Liability can pay for things like medical expenses, bail bonds, funeral expenses, repair bills for other people’s vehicles and loss of income. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford. Illinois state minimum liability requirements are 20/40/15 but you should think about purchasing more coverage.
Auto collision coverage
Collision coverage pays for damage to your Murano resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.
Collision coverage pays for claims like sideswiping another vehicle, colliding with a tree, rolling your car, sustaining damage from a pot hole and hitting a mailbox. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible on your Murano in order to get cheaper collision rates.
Cheap auto insurance premiums are out there
We just covered a lot of techniques to get a better price on Nissan Murano insurance in Chicago. The key concept to understand is the more companies you get prices for, the better likelihood of getting low cost Chicago car insurance quotes. You may even find the biggest savings come from some of the lesser-known companies.
When shopping online for auto insurance, never skimp on coverage in order to save money. There have been many cases where consumers will sacrifice comprehensive coverage or liability limits to discover at claim time they didn’t have enough coverage. Your strategy should be to get the best coverage possible at the best possible price, but do not skimp to save money.
People change insurance companies for any number of reasons including denial of a claim, being labeled a high risk driver, delays in responding to claim requests and even unfair underwriting practices. It doesn’t matter why you want to switch choosing a new company can be less work than you think.
To read more, link through to these articles:
- How Does Hitting a Deer Impact Insurance Rates? (Allstate)
- Who Has the Cheapest Auto Insurance Quotes for Homeowners in Chicago? (FAQ)
- Neck Injury FAQ (iihs.org)
- Insuring a Leased Car (Insurance Information Institute)