1998 Nissan Pathfinder Car Insurance Rates

Want better car insurance rates for your Nissan Pathfinder? Pricey Nissan Pathfinder insurance can empty your checking account and require stricter spending habits. Comparing price quotes is a great way to ensure you are getting the best deal.

Popular companies such as State Farm, Progressive and Geico all claim big savings with catchy ads and it is challenging if not impossible to separate fact from fiction and take the time to shop coverage around.

Consumers need to shop coverage around at least once a year because prices tend to go up over time. Despite the fact that you may have had the best deal on Pathfinder insurance at your last renewal there is a good chance you can find better rate quotes now. Forget anything you know (or think you know) about car insurance because we’re going to show you the quickest way to find better rates and still maintain coverage.

Do you qualify for discount auto insurance?

Companies that sell car insurance don’t always advertise every policy discount in an easy-to-find place, so below is a list a few of the more well known and the more hidden credits that may apply to you.

• Discount for Passive Restraints – Cars that have air bags and/or automatic seat belt systems may qualify for discounts of 20% or more.
• Driver Education Discount – Teen drivers should successfully complete driver’s ed class as it can save substantially.
• Military Discounts – Being deployed with a military unit could trigger a small discount.
• Multi-line Discount – Select auto insurance companies reward you with a break if you buy life insurance from them.
• Waiver for an Accident – This one isn’t a discount, but companies like State Farm and Allstate will allow you to have one accident before hitting you with a surcharge if your claims history is clear for a set time period.
• Telematics Devices – Drivers who elect to allow companies to monitor when and where they use their vehicle remotely such as Progressive’s Snapshot and State Farm’s In-Drive may see discounts if they exhibit good driving behavior.
• Student in College – Older children living away from home attending college and do not have a car could qualify for this discount.
• Payment Method – By paying your entire bill at once rather than paying in monthly installments you can avoid monthly service charges.

Consumers should know that most discount credits are not given to the entire cost. Most only apply to individual premiums such as liability and collision coverage. Despite the appearance that adding up those discounts means a free policy, company stockholders wouldn’t be very happy.

A few popular companies and some of their more popular discounts are:

• State Farm may have discounts that include multiple policy, student away at school, passive restraint, anti-theft, driver’s education, and defensive driving training.
• Esurance may include discounts for safety device, anti-theft, DriveSense, defensive driver, emergency road assistance, and online quote.
• Progressive has savings for online quote discount, online signing, multi-vehicle, multi-policy, homeowner, and continuous coverage.
• Liberty Mutual offers discounts including teen driver discount, exclusive group savings, new move discount, safety features, and hybrid vehicle.
• Auto-Owners Insurance includes discounts for safe driver, anti-theft, company car, anti-lock brakes, and teen driver.
• Geico offers discounts for military active duty, anti-theft, driver training, good student, defensive driver, and multi-vehicle.

If you want low cost auto insurance quotes, ask each company or agent to apply every possible discount. Some discounts might not be offered in every state.

How to get free auto insurance quotes online

Effectively comparing auto insurance prices can take hours if you don’t know the easiest way. You could spend the better part of a day driving to insurance agencies in your area, or you could save time and use online quotes to get prices fast.

Many popular insurance companies participate in a marketplace where insurance shoppers submit one quote, and every company can give them a price based on that data. This eliminates the need for form submissions for each company.

To submit your quote information now, click here to start a free quote.

The only downside to using this type of system is you are unable to specify which companies to get quotes from. So if you prefer to choose specific insurance companies to compare prices, we have assembled a list of companies who write auto insurance in your area. Click here for list of insurance companies.

You can choose any of those ways to find more affodable coverage, but try to use exactly the same coverage information on every quote you get. If the quotes have unequal deductibles or liability limits it will be very difficult to make a fair comparison for your Nissan Pathfinder. Quoting even small variations in limits can make a big difference in price. And when comparison shopping, making a lot of price comparisons increases your odds of finding lower pricing.

Five factors that impact insurance costs

Multiple criteria are part of the equation when you quote your car insurance policy. A few of the factors are predictable such as your driving history, although some other factors are less apparent like your continuous coverage or how safe your car is.A large part of saving on auto insurance is knowing some of the factors that play a part in calculating your auto insurance rates. When you understand what determines premiums, this empowers consumers to make smart changes that may reward you with much lower annual insurance costs.

• Cheaper rates with high deductibles – Your deductibles represent how much money you are required to spend out-of-pocket in the event of a claim. Protection for physical damage, aka comp and collision, covers damage that occurs to your car. Some instances where coverage would apply could be colliding with a stationary object, animal collisions, and damage from wind. The more of the claim you choose to pay out-of-pocket, the less money you will pay for auto insurance on Pathfinder insurance.
• Too many policy claims and you’ll pay more – Companies award better rates to policyholders who are claim-free. If you tend to file frequent claims, you can pretty much guarantee either a policy non-renewal or much higher rates. Auto insurance is meant to be used in the event of claims that pose a financial burden.
• Your job may affect rates – Occupational choices like military generals, social workers and dentists have higher rates than the rest of us attributed to intense work-related stress and long work days. On the other hand, occupations like professors, students and the unemployed have lower than average premiums on Pathfinder insurance.
• Pay more if you have a long commute – Living in areas with lower population is a good thing when it comes to auto insurance. Fewer drivers on the road means fewer accidents and also fewer theft and vandalism claims. People in densly populated areas have more auto accidents and much longer commute distances. More time behind the wheel translates into higher accident risk.
• Having a spouse can lower costs – Having a significant other may save some money when buying auto insurance. Having a spouse translates into being more responsible it has been statistically shown that married couples file fewer claims.

What insurance coverages do I need?

When choosing the right insurance coverage for your vehicles, there really is no one size fits all plan. Every situation is different so this has to be addressed. These are some specific questions may help highlight whether or not you might need professional guidance.

• Should I buy full coverage?
• Am I covered if I hit a deer?
• What companies insure drivers after a DUI or DWI?
• Is rental equipment covered for theft or damage?
• Are rental cars covered under my policy?
• I have good health insurance, so how much medical payments coverage do I need?
• Is business equipment covered while in my vehicle?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier

Brand name doesn’t guarantee savings

Respected companies like Allstate and Progressive continually stream ads in print and on television. They all seem to state the claim that you’ll save big if you move your auto insurance coverage to their company. How is it possible that every company can cost less than your current company? This is the trick they use.

All the different companies have underwriting criteria for the driver that earns them the highest profit. One example of this type of insured might have to be over the age of 35, has no tickets, and drives less than 10,000 miles a year. A propective insured who fits that profile will get low rates and will probably cut their rates if they switch.

Potential insureds who cannot meet those standards must pay higher premiums and this results in the customer not buying. The ad wording is “drivers who switch” not “everyone that quotes” will save that much if they switch. That’s the way companies can make claims like that.

Different companies use different criteria so you really need to compare quotes as often as possible. It is just not possible to predict which insurance companies will have the lowest rate quotes.

Auto insurance coverages

Understanding the coverages of insurance aids in choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be confusing and coverage can change by endorsement. Shown next are typical coverage types found on most insurance policies.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Most of the time the UM/UIM limits are set the same as your liablity limits.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses such as prosthetic devices, X-ray expenses, doctor visits, hospital visits and ambulance fees. They are often used in conjunction with a health insurance program or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Coverage for collisions

This will pay to fix damage to your Pathfinder resulting from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like driving through your garage door, colliding with another moving vehicle and hitting a mailbox. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Comprehensive or Other Than Collision

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like falling objects, hitting a deer, vandalism and a tree branch falling on your vehicle. The most you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability

This provides protection from damages or injuries you inflict on other people or property by causing an accident. It protects YOU against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

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 25/50/25 which stand for $25,000 bodily injury coverage, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Another option is a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for claims such as emergency aid, bail bonds and pain and suffering. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as large an amount as possible.

Smart consumers save more

When getting auto insurance quotes online, it’s very important that you do not buy less coverage just to save a little money. There are a lot of situations where an accident victim reduced collision coverage only to regret that the savings was not a smart move. The ultimate goal is to buy a smart amount of coverage for the lowest cost, not the least amount of coverage.

We’ve covered a lot of ways to reduce 1998 Nissan Pathfinder insurance prices online. It’s most important to understand that the more rate comparisons you have, the higher the chance of saving money. You may be surprised to find that the best price on car insurance is with a smaller regional carrier. Some small companies often have lower rates on specific markets as compared to the big name companies such as Allstate, Geico and Progressive.

More tips and info about car insurance is located at these sites:

• Shopping for a Safe Car (Insurance Information Insitute)
• Learn About Car Insurance (Geico)
• Auto Insurance for Teen Drivers (Insurance Information Insitute)
• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)
• What is Gap Insurance? (Insurance Information Insitute)