Statistics show that the vast majority of drivers kept their policy with the same company for at least four years, and just under half have never compared rate quotes at all. Arizona insurance shoppers could save almost $730 a year, but they just assume it takes a lot of time to compare other rate quotes.
If you want to find the absolute lowest rates, then the best way to find discount car insurance rates in Tucson is to start doing an annual price comparison from companies who provide auto insurance in Arizona. You can shop around by following these steps.
Step 1: Spend a few minutes and learn about how companies set rates and the factors you can control to prevent expensive coverage. Many things that cause rate increases such as traffic citations, accidents, and a less-than-favorable credit rating can be controlled by making minor changes to your lifestyle.
Step 2: Compare rates from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can give quotes from one company like GEICO and Allstate, while agents who are independent can provide price quotes from multiple insurance companies.
Step 3: Compare the new rate quotes to the price on your current policy and determine if cheaper Murano coverage is available in Tucson. If you find a lower rate quote and switch companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
Step 4: Notify your company or agent to cancel your current car insurance policy and submit payment along with a signed and completed policy application for your new coverage. Once coverage is bound, put the proof of insurance paperwork with the vehicle registration.
One tip to remember is to make sure you’re comparing similar deductibles and liability limits on every quote and to quote with as many carriers as you can. This provides the most accurate price comparison and a better comparison of the market.
How to buy Tucson Nissan Murano insurance online
Getting cheaper auto insurance pricing is pretty simple and can save money. All you need to do is take time getting comparison quotes to discover which company has inexpensive Tucson auto insurance quotes.
The following companies are our best choices to provide price comparisons in Tucson, AZ. To get cheap auto insurance in Tucson, AZ, it’s a good idea that you visit two to three different companies to find the most affordable auto insurance rates.
Coverage analysis
The table shown below covers different policy rates for Nissan Murano models. Knowing how auto insurance prices are calculated can be of help when making informed decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Murano S 2WD | $214 | $314 | $392 | $24 | $118 | $1,062 | $89 |
| Murano S AWD | $214 | $314 | $392 | $24 | $118 | $1,062 | $89 |
| Murano SL 2WD | $214 | $314 | $392 | $24 | $118 | $1,062 | $89 |
| Murano SL AWD | $214 | $314 | $392 | $24 | $118 | $1,062 | $89 |
| Murano LE 2WD | $242 | $370 | $392 | $24 | $118 | $1,146 | $96 |
| Murano LE AWD | $242 | $370 | $392 | $24 | $118 | $1,146 | $96 |
| Get Your Own Custom Quote Go | |||||||
Prices based on single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Premium costs do not factor in zip code location which can increase or decrease price quotes noticeably.
Raise deductibles and save
One of the hardest decisions when shopping for insurance is which deductibles should you choose. The figures shown below can help you understand the differences in premium rates between high and low insurance deductibles. The first set of prices uses a $250 comprehensive and collision deductible and the second data table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Murano S 2WD | $232 | $390 | $300 | $18 | $90 | $1,055 | $88 |
| Murano S AWD | $232 | $390 | $300 | $18 | $90 | $1,055 | $88 |
| Murano SL 2WD | $232 | $390 | $300 | $18 | $90 | $1,055 | $88 |
| Murano SL AWD | $232 | $390 | $300 | $18 | $90 | $1,055 | $88 |
| Murano LE 2WD | $262 | $460 | $300 | $18 | $90 | $1,155 | $96 |
| Murano LE AWD | $262 | $460 | $300 | $18 | $90 | $1,155 | $96 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Murano S 2WD | $188 | $314 | $300 | $18 | $90 | $910 | $76 |
| Murano S AWD | $188 | $314 | $300 | $18 | $90 | $910 | $76 |
| Murano SL 2WD | $188 | $314 | $300 | $18 | $90 | $910 | $76 |
| Murano SL AWD | $188 | $314 | $300 | $18 | $90 | $910 | $76 |
| Murano LE 2WD | $212 | $370 | $300 | $18 | $90 | $990 | $83 |
| Murano LE AWD | $212 | $370 | $300 | $18 | $90 | $990 | $83 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Premium amounts do not factor in the specific area where the vehicle is garaged which can revise price quotes noticeably.
Based on this data, using a $250 deductible will cost you roughly $13 more each month or $156 annually across all Nissan Murano models than selecting the higher $500 deductible. Because you would pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you tend to have more than 19 months between claims, you would come out ahead going with the higher deductible.
The diagram below illustrates how choosing a deductible and can raise or lower Nissan Murano insurance premiums for each different age category. The data assumes a married female driver, comprehensive and collision coverage, and no policy discounts are applied.
Rate comparison of full coverage and liability-only
The information below shows the comparison of Nissan Murano insurance costs with liability coverage only compared to full coverage. The information is based on no claims or violations, $500 deductibles, single marital status, and no additional discounts are factored in.
Are you wasting money on full coverage?
There isn’t a written rule for dropping physical damage coverage, but there is a general school of thought. If the yearly cost of full coverage is more than about 10% of any settlement you would receive from your insurance company, then it might be time to consider dropping full coverage.
For example, let’s pretend your Nissan Murano replacement cost is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most your company would pay you is $5,000 after paying your policy deductible. If you are currently paying more than $500 a year for your policy with full coverage, then you might want to think about dropping full coverage.
There are some circumstances where removing full coverage is not a good plan. If you haven’t paid off your loan, you have to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if you can’t afford to buy a different vehicle if your current one is in an accident, you should not opt for liability only.
Which policy gives me the best coverage?
When quoting and comparing proper insurance coverage for your personal vehicles, there really isn’t a “perfect” insurance plan. Every situation is different so this has to be addressed.
For example, these questions might help in determining whether or not you will benefit from professional help.
- Should I rate my Nissan Murano as pleasure use or commute?
- I don’t drive much so do I pay less?
- At what point should I drop full coverage?
- Do I get a pro-rated refund if I cancel my policy early?
- What policy terms are available?
- If I drive on a suspended license am I covered?
- Who is covered when they drive my Nissan Murano?
- Which companies are cheaper for teen drivers?
- What is no-fault insurance?
If you can’t answer these questions but a few of them apply, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, free and may give you better protection.
Insurance agencies can help
A lot of people would rather buy from a licensed agent and that is just fine! Good agents can point out coverage gaps and help in the event of a claim. A good thing about getting free rate quotes online is you can get cheap rate quotes and still have a local agent. And supporting local insurance agents is definitely important in Tucson.
After filling out this simple form, your information is instantly submitted to local insurance agents in Tucson that can provide free Tucson auto insurance quotes for your insurance coverage. There is no reason to contact any agents since price quotes are sent directly to you. If you wish to compare rates from a specific company, you can always navigate to their website and fill out the quote form the provide.
Pick the best auto insurance agent in Tucson for you
If you would like to find a good insurance agency, you should know the types of agencies from which to choose. Insurance agents in Tucson can be described as either independent agents or exclusive agents depending on their employer. Both sell affordable insurance policies, but it’s important to point out the subtle differences since it can affect the kind of agent you use.
Independent Insurance Agents
Independent insurance agents are not restricted to one company so as a result can place your coverage with an assortment of companies and help determine which has the cheapest rates. To move your coverage to a new company, they simply move the coverage in-house which requires no work on your part. When searching for an agent, we highly recommend that you compare prices from several independent agencies in order to compare the most rates. A lot of them also have access to companies you’ve never heard of that can offer cheaper rates than bigger companies.
Listed below is a small list of independent insurance agencies in Tucson who may provide pricing information.
- Pacific International Insurance, LLC
2193 N Camino Principal – Tucson, AZ 85715 – (520) 886-3066 – View Map - McElwain Insurance
1717 N Tucson Blvd – Tucson, AZ 85716 – (520) 327-3369 – View Map - Clements
6245 E Broadway BlvdSte 310 – Tucson, AZ 85711 – (520) 624-3456 – View Map
Exclusive Insurance Agents
Exclusive agents have only one company to place business with and examples are State Farm, Allstate and AAA. They usually cannot give you multiple price quotes so always compare other rates. Exclusive agents are highly trained on the products they sell and that allows them to sell at a higher price point. Drivers often purchase coverage from exclusives mainly due to loyalty to the company instead of buying on price only.
The following are exclusive agencies in Tucson that are able to give comparison quotes.
- Mike Severson – State Farm Insurance Agent
5475 S Calle Santa Cruz Ste 161 – Tucson, AZ 85706 – (520) 746-1079 – View Map - American Family Insurance – Marla Avina Agency Inc.
1101 S Sherwood Village Dr – Tucson, AZ 85710 – (520) 546-8877 – View Map - Gene Molina – State Farm Insurance Agent
2160 W Holladay St – Tucson, AZ 85746 – (520) 883-1500 – View Map
Choosing an auto insurance agent is decision based upon more than just a low price. These are some questions your agent should answer.
- Do they regularly work with personal auto policies in Tucson?
- How often do they review coverages?
- Are all drivers listed on the coverage quote?
- Is the agency covered by Errors and Omissions coverage?
- How much experience to they have in personal lines coverages?
After receiving acceptable answers as well as cheaper Murano insurance quotes, it’s a good possibility that you have found an auto insurance agent that can service your policy.