Save on 1997 Nissan Pathfinder Car Insurance Cost

Searching for cheaper insurance coverage rates for your Nissan Pathfinder? No sane person fancies paying their premiums for insurance coverage, especially when they are aware that the cost is too high.

You have so many auto insurance companies to choose from, and although it’s a good thing to have multiple companies, having more auto insurance companies makes it harder to get the best deal.

How to get free auto insurance quotes online

Comparing auto insurance rates is a ton of work if you don’t utilize the most efficient way. You can spend your afternoon driving to local insurance agents in your area, or you could save time and use the internet to get rates in a matter of minutes.

Most car insurance companies take part in a program where prospective buyers enter their coverage request one time, and each participating company then returns a price quote based on the submitted data. This saves time by eliminating quote requests for every auto insurance company.

To enter your information into the quoting system, click here (opens in new window).

The only downside to using this type of system is that you can’t choose the companies you will receive quotes from. If you would rather choose specific insurance companies for rate comparison, we have assembled a list of the cheapest auto insurance companies in your area. Click here to view list.

Which method you use is up to you, but make absolute certain that you use nearly identical quote data on every quote. If each company quotes different values for each quote it’s not possible to make a fair comparison for your Nissan Pathfinder. Just slight variations in coverages could mean much higher rates. And when comparison shopping, having more price comparisons increases your odds of finding the best rates.

Take advantage of every auto insurance discount

Properly insuring your vehicles can get expensive, but there are discounts available that can drop the cost substantially. Many of these discounts will be applied automatically when you quote, but some may not be applied and must be requested specifically before you will receive the discount.

• Discounts for Good Drivers – Insureds who avoid accidents can get discounts for up to 45% lower rates for Pathfinder insurance as compared to drivers with claims.
• Savings for New Vehicles – Insuring a new car is cheaper due to better safety requirements for newer vehicles.
• Telematics Data – People who choose to allow their insurance company to track driving manner by using a telematics device like In-Drive from State Farm and Progressive’s Snapshot could possibly reduce rates as long as they are good drivers.
• ABS and Traction Control Discounts – Vehicles with anti-lock braking systems can avoid accidents so you can save 10 percent or more.
• Accident Forgiveness Coverage – but a few companies such as State Farm and Progressive will let one accident slide without the usual rate increase so long as you haven’t had any claims for a particular time prior to the accident.
• Senior Citizen Discount – Drivers that qualify as senior citizens can possibly qualify for a discount up to 10% for Pathfinder insurance.

Discounts reduce rates, but you should keep in mind that many deductions do not apply to all coverage premiums. Some only reduce individual premiums such as medical payments or collision. Just because you may think having all the discounts means you get insurance for free, it doesn’t quite work that way.

A few companies that may offer these money-saving discounts include:

• American Family
• State Farm
• 21st Century
• Travelers
• Geico

Before buying, ask every company to apply every possible discount. Some discounts may not be available in your state. To choose auto insurance companies with significant discounts, click this link.

How to know if you need help

When buying coverage, there isn’t really a cookie cutter policy. Everyone’s situation is unique so your insurance should reflect that Here are some questions about coverages that might help in determining whether or not you might need an agent’s assistance.

• Is a fancy paint job covered?
• Do I need rental car coverage?
• How can I get high-risk coverage after a DUI?
• I have health insurance so do I need medical payments coverage?
• How much liability insurance is required?
• Should I buy only the required minimum liability coverage?
• Can I afford low physical damage deductibles?
• Am I covered if I break a side mirror?
• Am I covered when driving someone else’s vehicle?
• Are split liability limits better than a combined single limit?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier

Insurance policy coverages for a Nissan Pathfinder

Knowing the specifics of a insurance policy helps when choosing the right coverages and the correct deductibles and limits. Policy terminology can be ambiguous and nobody wants to actually read their policy. Below you’ll find typical coverages found on most insurance policies.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage pay for bills for things like pain medications, nursing services and chiropractic care. They are used in conjunction with a health insurance plan or if you lack health insurance entirely. It covers all vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is not available in all states and may carry a deductible

Collision insurance

This coverage covers damage to your Pathfinder caused by collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like rolling your car, colliding with another moving vehicle, scraping a guard rail, sustaining damage from a pot hole and damaging your car on a curb. This coverage can be expensive, so consider removing coverage from lower value vehicles. Another option is to bump up the deductible to save money on collision insurance.

Comprehensive insurance

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as fire damage, damage from flooding, a tree branch falling on your vehicle and damage from getting keyed. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle’s occupants 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.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Liability coverage

Liability coverage can cover damages or injuries you inflict on other’s property or people in an accident. This coverage protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 50/100/50 that translate to a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability insurance covers claims such as emergency aid, court costs, loss of income, funeral expenses and medical expenses. How much liability coverage do you need? That is a personal decision, but you should buy higher limits if possible.