The best way to get more affordable car insurance rates in New Orleans is to do an annual price comparison from insurers who provide auto insurance in Louisiana.
- Step 1: Read about policy coverages and the things you can change to keep rates down. Many things that increase rates like traffic violations, accidents, and a lousy credit rating can be improved by making small lifestyle or driving habit changes. Later in this article we will cover more ideas to help prevent high rates and find missing discounts.
- Step 2: Quote rates from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only provide price estimates from a single company like GEICO and Allstate, while independent agents can quote rates for a wide range of insurance providers.
- Step 3: Compare the price quotes to your existing policy and determine if cheaper Murano coverage is available in New Orleans. If you find a lower rate and decide to switch, verify that coverage does not lapse between policies.
- Step 4: Notify your company or agent to cancel your existing policy. Submit the signed application along with the required initial payment to the new insurer. As soon as you can, place the new certificate verifying coverage in an easily accessible location.
One important bit of advice is to use the same coverage limits and deductibles on every quote and and to get prices from as many companies as feasibly possible. Doing this ensures a level playing field and maximum price selection.
It’s a known fact that car insurance companies don’t want their customers to go rate shopping. Insureds who get price comparisons are inclined to buy a different policy because they have good chances of finding a more affordable policy premium. A study discovered that consumers who compared prices once a year saved over $850 each year as compared to drivers who never compared prices.
If finding discount rates on insurance in New Orleans is your ultimate goal, then understanding the best ways to find and compare insurance coverage can save time and make the process easier.
If you already have coverage or just want a better rate, you can follow these tips to find the best rates and possibly find even better coverage. Finding and buying affordable auto insurance coverage in New Orleans is quite easy. Comparison shoppers just have to use the tricks to compare rates from many different companies.
Affordable rates on Nissan Murano insurance in New Orleans with these car insurance discounts
Auto insurance companies don’t necessarily list every possible discount in an easy-to-find place, so the following list contains some of the best known as well as the least known ways to save on car insurance.
- Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes prevent accidents and earn discounts up to 10%.
- Seat Belt Discounts – Buckling up and requiring all passengers to use a seat belt can save up to 15% off PIP or medical payments premium.
- Senior Citizen Discount – If you qualify as a senior citizen, you are able to get a small discount on rates.
- Military Discounts – Being deployed with a military unit could qualify you for better car insurance rates.
- Pay Early and Save – By paying your policy upfront rather than spreading payments over time you can actually save on your bill.
- Student Discounts – This discount may save you up to 25%. Most companies allow this discount until age 25.
It’s important to understand that many deductions do not apply to all coverage premiums. Most only reduce individual premiums such as physical damage coverage or medical payments. If you do the math and it seems like you would end up receiving a 100% discount, that’s just not realistic.
The illustration below shows the comparison of Nissan Murano insurance costs with and without discounts being applied to the rates. The data is based on a male driver, no violations or claims, Louisiana state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, safe-driver, homeowner, multi-policy, claim-free, and multi-car discounts applied.
The best car insurance companies and some of the premium reductions they offer are shown below.
- State Farm offers discounts for multiple policy, student away at school, good student, driver’s education, and anti-theft.
- American Family offers premium reductions for bundled insurance, mySafetyValet, defensive driver, accident-free, and multi-vehicle.
- GEICO includes discounts for daytime running lights, defensive driver, driver training, multi-vehicle, air bags, military active duty, and federal employee.
- 21st Century has discounts for defensive driver, theft prevention, student driver, automatic seat belts, and good student.
- Progressive may include discounts for online quote discount, continuous coverage, online signing, good student, multi-policy, and multi-vehicle.
Before buying, ask each company which discounts they offer. All car insurance discounts might not be offered on policies in your state. If you would like to see a list of companies who offer free Nissan Murano insurance quotes in New Orleans, click here to view.
The companies in the list below have been selected to offer price comparisons in New Orleans, LA. To buy cheap car insurance in New Orleans, LA, it’s a good idea that you get rates from several of them in order to find the most affordable rates.
Rates and other information
The information shown below covers detailed analysis of insurance costs for Nissan Murano models. Knowing how rates are calculated is important for making informed decisions when shopping around for a new policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Murano S 2WD | $190 | $372 | $488 | $28 | $146 | $1,224 | $102 |
| Murano S AWD | $190 | $372 | $488 | $28 | $146 | $1,224 | $102 |
| Murano SL 2WD | $190 | $372 | $488 | $28 | $146 | $1,224 | $102 |
| Murano SL AWD | $190 | $372 | $488 | $28 | $146 | $1,224 | $102 |
| Murano LE 2WD | $216 | $440 | $488 | $28 | $146 | $1,318 | $110 |
| Murano LE AWD | $216 | $440 | $488 | $28 | $146 | $1,318 | $110 |
| Get Your Own Custom Quote Go | |||||||
Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Louisiana minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Rates do not factor in specific location information which can affect insurance rates noticeably.
Comparison of policy deductibles
A question often asked by New Orleans drivers is which deductibles should you choose. The rates shown below help summarize the rate differences when you buy lower versus higher comp and collision deductibles. The first set of rates uses a $100 physical damage coverage deductible and the second set of rates uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Murano S 2WD | $400 | $722 | $464 | $28 | $140 | $1,779 | $148 |
| Murano S AWD | $400 | $722 | $464 | $28 | $140 | $1,779 | $148 |
| Murano SL 2WD | $400 | $722 | $464 | $28 | $140 | $1,779 | $148 |
| Murano SL AWD | $400 | $722 | $464 | $28 | $140 | $1,779 | $148 |
| Murano LE 2WD | $452 | $850 | $464 | $28 | $140 | $1,959 | $163 |
| Murano LE AWD | $452 | $850 | $464 | $28 | $140 | $1,959 | $163 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Murano S 2WD | $222 | $380 | $464 | $28 | $140 | $1,234 | $103 |
| Murano S AWD | $222 | $380 | $464 | $28 | $140 | $1,234 | $103 |
| Murano SL 2WD | $222 | $380 | $464 | $28 | $140 | $1,234 | $103 |
| Murano SL AWD | $222 | $380 | $464 | $28 | $140 | $1,234 | $103 |
| Murano LE 2WD | $250 | $448 | $464 | $28 | $140 | $1,330 | $111 |
| Murano LE AWD | $250 | $448 | $464 | $28 | $140 | $1,330 | $111 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Louisiana minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Information does not factor in specific location information which can raise or lower coverage rates greatly.
We can estimate from the data above that using a $100 deductible costs approximately $47 more each month or $564 every year across all Nissan Murano models than opting for the higher $1,000 deductible. Because you would be required to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to go more than 19 months between claim filings, you would come out ahead if you elect the higher deductible. The table below shows the way you can decide this on your own policy.
| Average monthly premium for $100 deductibles: | $153 |
| Average monthly premium for $1,000 deductibles (subtract): | – $106 |
| Monthly savings from raising deductible: | $47 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $47 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 19 months |
One big caveat is that increasing deductibles to save money means you will have to pay more of your own money if you have a claim. That will necessitate enough extra savings in the event you have to pay the deductible to have repairs made.
The illustration below shows how choosing a deductible and can increase or decrease Nissan Murano insurance costs for different insured age categories. The data assumes a married male driver, full physical damage coverage, and no discounts are taken into consideration.
Responsible drivers pay cheaper auto insurance rates
The illustration below highlights how speeding tickets and accidents drive up Nissan Murano car insurance rates for different age categories. The price estimates are based on a married male driver, full coverage, $1,000 deductibles, and no additional discounts are factored in.
Annual premiums comparing men and women in New Orleans
The chart below illustrates the comparison of Nissan Murano car insurance rates for male and female drivers. The costs are based on no claims or driving citations, full coverage, $100 deductibles, single status, and no policy discounts are applied.
Full coverage versus liability-only in New Orleans
The information below illustrates the difference between Nissan Murano insurance costs with and without full coverage. The information is based on no tickets, no at-fault accidents, $1,000 deductibles, drivers are not married, and no other discounts are factored in.
When to stop buying comprehensive and collision coverage
There is no definitive guideline of when to eliminate comp and collision coverage, but there is a guideline you can use. If the annual cost of your full coverage insurance is more than 10% of any settlement you would receive from your insurance company, then it’s probably a good time to buy liability coverage only.
For example, let’s pretend your Nissan Murano claim settlement value is $9,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most you would receive is $8,000 after paying your policy deductible. If you are currently paying more than $800 annually for physical damage coverage, then you might want to think about dropping full coverage.
There are some cases where only buying liability is not a good idea. If you still have a lienholder on your title, you must maintain physical damage coverage in order to satisfy the requirements of the loan. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should keep full coverage.
Buying auto insurance from New Orleans car insurance agents
A lot of people just prefer to talk to an insurance agent and doing that can be a smart decision Good insurance agents can point out coverage gaps and give you someone to call. One of the best bonuses of comparing auto insurance online is the fact that drivers can get the best rates and still buy from a local agent.
To help locate an agent, after submitting this quick form, your coverage information is transmitted to local insurance agents that can provide free New Orleans auto insurance quotes for your insurance coverage. There is no reason to drive around because quoted prices will be sent to your email. If you want to compare prices from a specific insurance company, you would need to go to their quote page to submit a rate quote request.
Deciding on a insurer is decision based upon more than just a cheap quote. Before buying a policy in New Orleans, get answers to these questions.
- Does the agent recommend any additional coverage?
- What is the agency’s Better Business Bureau rating?
- Does the agency provide any after hours assistance?
- Do the companies they represent have a solid financial rating?
- Are they actively involved in the community?
- Will they give you a referral list?
Exclusive or Independent: There is a difference
When finding a local New Orleans insurance agency, you need to know there are two different types of agents and how they differ in how they can insure your vehicles. Agents may be either independent or exclusive depending on the company they work for. Both types of agents can write policy coverage, but it is a good idea to know the differences because it can impact which type of agent you select.
Exclusive Insurance Agencies
Agents of this type are contracted to one company and examples are Allstate, State Farm and Farm Bureau. Exclusive agents are unable to provide rate quotes from other companies so they have no alternatives for high prices. Exclusive insurance agents receive extensive training on sales techniques which helps overcome the inability to quote other rates. Consumers sometimes use the same agent primarily because of the prominence of the brand rather than having the cheapest rates.
Shown below is a short list of exclusive insurance agents in New Orleans who may provide you with price quote information.
- Alan Jackson – State Farm Insurance Agent
7045 Read Blvd Ste 108 – New Orleans, LA 70127 – (504) 241-6799 – View Map - Andy Bowden – State Farm Insurance Agent
6325 Elysian Fields Ave a – New Orleans, LA 70122 – (504) 288-2219 – View Map - Derek Morel – State Farm Insurance Agent
5555 Bullard Ave #104 – New Orleans, LA 70128 – (504) 247-9241 – View Map
Independent Insurance Agents
These type of agents are not employed by any specific company and that enables them to quote your coverage with lots of companies enabling the ability to shop coverage around. If prices rise, your policy is moved internally which is easy for the insured.
When comparing auto insurance rates, we highly recommend that you include rate quotes from at a minimum one independent agency so that you can do a thorough price comparison. Most have the option of insuring with different regional companies which can be an advantage.
Listed below is a list of independent agents in New Orleans that are able to give price quotes.
- Murphy Insurance LLC
2107 Soniat St – New Orleans, LA 70115 – (504) 899-8010 – View Map - Hartwig Moss Insurance Agency
2626 Canal St #3 – New Orleans, LA 70119 – (504) 525-9901 – View Map - Bob Swanson Insurance
824 Elmwood Park Blvd #295 – New Orleans, LA 70123 – (504) 734-0305 – View Map
Once you have received acceptable answers and locked in a price quote, you have narrowed it down to an insurance agent that will properly insure your vehicles. But remember, you can always cancel coverage for any reason so don’t think that you’re stuck with a policy for the entire policy term.
More comparisons equals cheaper rates
Consumers leave their current company for many reasons like high rates after DUI convictions, unfair underwriting practices, an unsatisfactory settlement offer or delays in responding to claim requests. No matter why you want to switch, switching car insurance companies can be easier than you think.
We covered many tips how you can compare Nissan Murano insurance rates in New Orleans. The most important thing to understand is the more you quote New Orleans auto insurance, the better chance you’ll have of finding the cheapest Nissan Murano rate quotes. Consumers may even find the lowest rates come from a company that doesn’t do a lot of advertising.
More affordable car insurance in New Orleans is possible from both online companies and from local insurance agents, and you should compare price quotes from both to have the best selection. Some insurance providers may not offer rate quotes online and most of the time these regional insurance providers prefer to sell through independent insurance agents.
Additional learning opportunities
- What is a Telematics Device? (Allstate)
- Who Has Affordable Auto Insurance for Young Drivers in New Orleans? (FAQ)
- How Much are New Orleans Car Insurance Quotes for 4×4 Vehicles? (FAQ)
- Who Has Cheap Car Insurance Quotes for Drivers with Accidents in New Orleans? (FAQ)
- Who Has Cheap New Orleans Car Insurance Rates for Electric Cars? (FAQ)
- Steps to Take After an Auto Accident (Insurance Information Institute)
- How Much Auto Coverage do I Need? (Insurance Information Institute)
- Protect Yourself Against Auto Theft (Insurance Information Institute)
- Side airbags reduce rollover fatalities (Insurance Institute for Highway Safety)