It’s astonishing, but nearly 70% of customers renewed their policy with the same company for at least four years, and practically 40% of insurance customers have never compared rate quotes at all. Many consumers in America could pocket up to 47% a year just by comparing rates, but they assume it’s a waste of time to compare rates and save money.
It takes a little time, but the best way to get the cheapest auto insurance rates is to start doing a yearly price comparison from providers in Cincinnati. Prices can be compared by following these guidelines.
- Try to learn a little about car insurance and the changes you can make to drop your rates. Many things that drive up the price like distracted driving and a not-so-good credit history can be remedied by making lifestyle changes or driving safer.
- Compare rates from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only give rate quotes from a single company like GEICO and State Farm, while independent agencies can provide prices from many different companies. View rates
- Compare the new rates to your existing rates and determine if there is any savings. If you find a better price and buy the policy, ensure coverage does not lapse between policies.
- Give notification to your agent or company of your intent to cancel your current policy. Submit a down payment along with a completed application for your new coverage. Make sure you store the proof of insurance paperwork in your vehicle’s glove compartment or console.
The key aspect of shopping around is to use the same amount of coverage on each price quote and and to get rates from as many auto insurance providers as possible. Doing this guarantees a level playing field and plenty of rates choose from.
If you have coverage now or are shopping for new coverage, you can use these tips to get lower rates while maximizing coverage. Our objective in writing this article is to familiarize you with how to get online quotes and some money-saving tips. Vehicle owners just have to learn the tricks to shop their coverage around instantly.
Cincinnati Insurance Costs are Influenced by These Factors
Lots of things are considered when quoting car insurance. A few of the factors are predictable like your driving record, but some are less apparent like your vehicle usage and annual miles driven. An important part of buying insurance is that you know some of the elements that help calculate your insurance rates. If you understand what controls the rates you pay, this empowers consumers to make smart changes that may reward you with lower insurance prices.
Shown below are some of the most rate-impacting factors companies use to determine rates.
- City dwellers may pay more – Having an address in areas with lower population has it’s advantages when it comes to insurance. Urban drivers tend to have more auto accidents and longer commutes to work. Fewer drivers on the road translates into fewer accidents in addition to fewer liability claims.
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Battle of the sexes – Over time, data shows women tend to be less risk to insure than men. It does not mean men are worse drivers. Males and females are in auto accidents at about the same rate, but males tend to have higher claims. Men also statistically receive more costly citations like reckless driving and DUI.
The illustration below visualizes the comparison of Nissan Murano premium costs for male and female drivers. The premium estimates are based on no driving violations, no at-fault accidents, comprehensive and collision coverage, $100 deductibles, drivers are single, and no discounts are applied.
- Bad credit hurts insurance prices – Your credit history can be an important factor in determining your rates. If your credit history could use some work, you could be paying less to insure your Nissan Murano by improving your credit score. Insureds with very high credit ratings tend to be more responsible than those with poor credit.
- Do you need those extra coverages? – There are a lot of additional coverages that you can get tricked into buying on your insurance policy. Coverages like replacement cost coverage, high-cost glass coverage, and motor club memberships may be costing you every month. They may sound like good ideas when discussing your needs, but if you don’t need them think about removing them and cutting costs.
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Insurance loss data for Nissan Murano vehicles – Insurance companies include the past claim trends for vehicles to determine a rate that will be profitable for them. Models that tend to have higher claim amounts or frequency will be charged more to insure. The information below illustrates the loss history for Nissan Murano vehicles.
For each policy coverage type, the statistical loss for all vehicles combined as an average is a value of 100. Values that are below 100 mean the vehicle has better than average losses, while numbers that are greater than 100 point to more frequent losses or an increased likelihood of larger losses.
Insurance Loss Ratings for Nissan Murano Vehicles Vehicle Make and 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 BETTERAVERAGEWORSEEmpty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
The companies shown below can provide free quotes in Ohio. If your goal is to find the best auto insurance in Cincinnati, we recommend you visit several of them to get the best price comparison.
Coverage statistics and figures
The premium table displayed below outlines different insurance coverage prices for Nissan Murano models. Knowing how prices are figured can help you make smart policy decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Murano S 2WD | $140 | $274 | $274 | $16 | $82 | $786 | $66 |
| Murano S AWD | $140 | $274 | $274 | $16 | $82 | $786 | $66 |
| Murano SL 2WD | $140 | $274 | $274 | $16 | $82 | $786 | $66 |
| Murano SL AWD | $140 | $274 | $274 | $16 | $82 | $786 | $66 |
| Murano LE 2WD | $158 | $322 | $274 | $16 | $82 | $852 | $71 |
| Murano LE AWD | $158 | $322 | $274 | $16 | $82 | $852 | $71 |
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Data variables include single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Table data does not factor in vehicle location which can influence coverage prices significantly.
Drive safe and save
The diagram below demonstrates how speeding tickets and at-fault claims can impact Nissan Murano insurance costs for each different age category. The data assumes a married female driver, full coverage, $1,000 deductibles, and no discounts are applied.
Why do I need car insurance?
Despite the high cost, insuring your vehicle is most likely required but also gives you several important benefits.
- Most states have minimum liability requirements which means state laws require specific minimum amounts of liability insurance coverage in order to drive the car. In Ohio these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If your Nissan has a loan, most lenders will require you to buy insurance to guarantee payment of the loan. If coverage lapses or is canceled, the lender may insure your Nissan for a lot more money and force you to reimburse them a much higher amount than you were paying before.
- Insurance protects not only your vehicle but also your assets. It will also provide coverage for medical transport and hospital expenses for you, your passengers, and anyone else injured in an accident. One policy coverage, liability insurance, also pays expenses related to your legal defense if someone files suit against you as the result of an accident. If your Nissan gets damaged, your insurance policy will pay to repair the damage minus the deductible amount.
The benefits of having insurance outweigh the cost, especially for larger claims. The average driver in America overpays as much as $825 a year so shop around every year to help ensure money is not being wasted.
You may qualify for discounts for Nissan Murano insurance in Cincinnati
Companies that sell car insurance don’t always publicize all their discounts very clearly, so we took the time to find some of the more common as well as the least known credits available to you. If you aren’t receiving every discount you qualify for, you’re just leaving money on the table.
- Distant Student Discount – Youth drivers who live away from home at college and leave their car at home can be insured at a reduced rate.
- Auto/Life Discount – Not all insurance companies offer life insurance, but some may give you better rates if you take out life insurance.
- Telematics Discount – Cincinnati drivers who agree to allow their company to track where and when they drive by using a telematic data system like Allstate’s Drivewise might see lower rates if they are good drivers.
- Auto/Home Discount – If you insure your home and vehicles with one insurance company you may earn approximately 10% to 15%.
- Save with a New Car – Buying insurance on a new vehicle can cost up to 25% less since newer models are generally safer.
One thing to note about discounts is that most credits do not apply to the entire cost. Some only apply to specific coverage prices like liability, collision or medical payments. Just because you may think you would end up receiving a 100% discount, companies don’t profit that way.
The example below illustrates the comparison of Nissan Murano car insurance rates with and without discounts applied to the premium. The information is based on a female driver, no accidents or driving violations, Ohio state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-policy, multi-car, claim-free, marriage, and homeowner discounts applied.
A few popular companies and the discounts they provide can be found below.
- GEICO may offer discounts for multi-vehicle, defensive driver, multi-policy, good student, driver training, air bags, and anti-theft.
- SAFECO offers discounts for anti-lock brakes, anti-theft, homeowner, bundle discounts, and teen safe driver.
- State Farm includes discounts for anti-theft, student away at school, good driver, good student, and safe vehicle.
- MetLife has discounts for good student, claim-free, defensive driver, multi-policy, good driver, accident-free
- 21st Century discounts include good student, theft prevention, early bird, automatic seat belts, defensive driver, and student driver.
- Progressive offers premium reductions for continuous coverage, multi-vehicle, good student, homeowner, and online quote discount.
When quoting, ask each company which discounts you may be entitled to. Some of the discounts discussed earlier may not apply to policies in your state. To locate insurance companies who offer free Nissan Murano insurance quotes in Cincinnati, click here.
Do I need an insurance agent?
Many drivers still prefer to talk to an insurance agent and that is a smart decision Most agents will help you protect your assets and help in the event of a claim. The biggest benefit of price shopping on the web is that you can find cheap auto insurance quotes and still buy from a local agent.
Once you complete this quick form, your insurance coverage information is instantly submitted to insurance agents in Cincinnati who will gladly provide quotes for your business. It simplifies rate comparisons since you won’t have to even leave your home as quotes are delivered straight to your inbox. If you want to get a rate quote from a specific auto insurance provider, you just need to find their quoting web page and fill out their quote form.
Finding the right insurance company should depend on more than just the premium amount. Some important questions to ask are:
- Do you work with a CSR or direct with the agent?
- Are there any discounts that you might be missing?
- Will a damage claim use OEM or aftermarket replacement parts?
- Is there a 24/7 contact number?
- Do they get paid more for recommending certain coverages?
- If they are an independent agency in Cincinnati, which companies do they recommend?
- Will the company cover a rental car if your car is getting fixed?
Best car insurance company in Ohio
Picking the highest-rated company can be a challenge considering how many different companies sell coverage in Ohio. The ranking data below can help you choose which auto insurers you want to consider buying from.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 99 | 100 | 90 | 92% | A++ | 97.4 |
| 21st Century | 89 | 86 | 100 | 88% | A | 92.7 |
| GEICO | 97 | 91 | 88 | 85% | A++ | 92.5 |
| Nationwide | 88 | 94 | 91 | 88% | A+ | 91.3 |
| AAA Insurance | 93 | 87 | 88 | 87% | A | 90.8 |
| Liberty Mutual | 91 | 91 | 92 | 87% | A | 90.7 |
| Safeco Insurance | 90 | 93 | 88 | 86% | A | 90.2 |
| State Farm | 91 | 94 | 80 | 88% | A++ | 90.2 |
| Travelers | 89 | 91 | 94 | 79% | A++ | 90.1 |
| American Family | 88 | 92 | 83 | 88% | A | 89.4 |
| Titan Insurance | 89 | 91 | 83 | 86% | A+ | 89.3 |
| Allstate | 90 | 90 | 84 | 85% | A+ | 89.1 |
| Progressive | 83 | 85 | 99 | 87% | A+ | 88.7 |
| Erie Insurance | 92 | 90 | 82 | 88% | A+ | 88.5 |
| The Hartford | 87 | 89 | 84 | 87% | A+ | 88 |
| Esurance | 84 | 88 | 85 | 83% | A+ | 86 |
| Farmers Insurance | 79 | 88 | 84 | 87% | A | 84.7 |
| The General | 88 | 80 | 85 | 80% | A- | 84.5 |
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Data Source: Insure.com Best Car Insurance Companies
Be persistent and save
When getting Cincinnati auto insurance quotes online, you should never skimp on coverage in order to save money. In many cases, someone dropped comprehensive coverage or liability limits and found out when filing a claim that they should have had better coverage. Your strategy should be to purchase plenty of coverage at an affordable rate, not the least amount of coverage.
You just learned some good ideas how you can shop for Nissan Murano insurance online. The key concept to understand is the more price quotes you have, the better your comparison will be. Drivers may even discover the lowest priced car insurance comes from an unexpected company.
Cost effective Nissan Murano insurance can be bought on the web and with local Cincinnati insurance agents, so you should compare both in order to have the best chance of saving money. Some companies do not offer internet price quotes and usually these regional insurance providers provide coverage only through independent insurance agencies.
More detailed car insurance information is located in these articles:
- Car Insurance: When not to Skimp (BankRate.com)
- Who Has Affordable Cincinnati Auto Insurance Rates for Drivers Over Age 50? (FAQ)
- How Much are Auto Insurance Quotes for Low Credit Scores in Cincinnati? (FAQ)
- How Much is Cincinnati Car Insurance for Welfare Recipients? (FAQ)
- Who Has Cheap Cincinnati Auto Insurance for Teachers? (FAQ)
- Teen Driving Statistics (GEICO)
- Safety Features for Your New Car (State Farm)