Finding cheaper insurance for a new or used Nissan Pathfinder can turn out to be a painful process, but you can learn a few tricks to find lower rates.
There are more efficient ways to shop for auto insurance and we’ll show you the absolute fastest way to quote coverages for a new or used Nissan and locate the cheapest rates from both online companies and local agents.
It’s a good idea to take a look at other company’s rates as often as possible because prices are adjusted regularly by insurance companies. Even if you got the best deal on Pathfinder insurance on your last policy you can probably find a better premium rate now. Forget all the misinformation about auto insurance because you’re going to learn the quickest way to remove unneeded coverages and save money.
If you have a policy now or need a new policy, you will benefit by learning to find the best rates and possibly find even better coverage. Finding the best insurance coverage can be fairly easy. Drivers just need to know the most effective way to shop for insurance online.
Companies that sell car insurance do not list all disounts very well, so we researched both well-publicized as well as the least known ways to save on insurance coverage.
A little note about advertised discounts, some of the credits will not apply to all coverage premiums. Most only reduce individual premiums such as liability, collision or medical payments. If you do the math and it seems like you can get free auto insurance, nobody gets a free ride. Any qualifying discounts will bring down the amount you pay for coverage.
Popular insurance coverage companies and some of their more popular discounts are shown below.
Check with every insurance company how you can save money. Depending on the company, some discounts may not be available in your area. To see companies with significant discounts, click this link.
Finding cheaper insurance coverage quotes is an easy way to save money. All that’s required is to spend a few minutes on the computer comparing free car insurance quotes online with multiple companies. It’s super easy and can be done in a couple of different ways.
The recommended way to find low rates would be an industry-wide quote request form click here to open form in new window. This easy form keeps you from doing separate quote forms for each company you want a rate for. A single, simple form gets insurance cost estimates from many national carriers. It’s definitely the quickest method.
A different way to obtain and compare quotes online is to take the time to go to each individual company website and fill out their own quote form. For sake of this example, we’ll assume you want to compare prices for State Farm, Allstate and GMAC. To do that, you would have to navigate to each company’s site to enter your coverage information, and that’s why the first method is more popular. For a list of companies in your area, click here.
Whichever way you use, do your best to enter the exact same coverages with every price quote. If you enter mixed coverages it will be next to impossible to make a fair rate comparison.
When choosing the best car insurance coverage for your vehicles, there isn’t really a one size fits all plan. Everyone’s needs are different.
These are some specific questions might help in determining whether your personal situation would benefit from an agent’s advice.
If you’re not sure about those questions but a few of them apply, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, free and can help protect your family.
Learning about specific coverages of your policy can help you determine appropriate coverage for your vehicles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.
Coverage for uninsured or underinsured drivers – This coverage provides protection from other drivers when they do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as your vehicle’s damage.
Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Frequently the UM/UIM limits are identical to your policy’s liability coverage.
Comprehensive auto insurance – Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against claims such as vandalism, rock chips in glass, a broken windshield and hitting a bird. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
Liability – Liability insurance protects you from damage that occurs to other people or property by causing an accident. It protects you from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.
Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Another option is a combined limit that pays claims from the same limit without having the split limit caps.
Liability can pay for things such as structural damage, repair costs for stationary objects, pain and suffering and emergency aid. How much liability should you purchase? That is a personal decision, but you should buy as much as you can afford.
Coverage for medical expenses – Medical payments and Personal Injury Protection insurance reimburse you for bills such as prosthetic devices, rehabilitation expenses, surgery, chiropractic care and hospital visits. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants as well as any family member struck as a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay
Collision – This coverage pays to fix your vehicle from damage resulting from a collision with another car or object. A deductible applies then your collision coverage will kick in.
Collision insurance covers claims such as colliding with another moving vehicle, hitting a mailbox, sustaining damage from a pot hole, backing into a parked car and colliding with a tree. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. It’s also possible to raise the deductible to bring the cost down.
As you restructure your insurance plan, it’s not a good idea to reduce coverage to reduce premium. There are many occasions where someone sacrificed collision coverage and learned later that a couple dollars of savings turned into a financial nightmare. Your strategy should be to find the BEST coverage for the lowest cost, but don’t skip important coverages to save money.
Some insurance companies do not offer online rate quotes and many times these regional carriers only sell coverage through independent agents. Budget-friendly insurance coverage is possible on the web and from local agencies, and you should compare rates from both to have the best selection.
Drivers who switch companies do it for many reasons like high prices, extreme rates for teen drivers, denial of a claim or even delays in paying claims. It doesn’t matter why you want to switch finding the right insurance coverage provider is pretty easy and you might even save some money in the process.
More information can be found at the links below
Aimee Shepherd
Great site. Checking in from Philadelphia, PA. I quoted with Amica, Sentry, and Western Auto Insurance for my Pathfinder and saved just over $80 a year. Teenage drivers are expensive! Online quotes are the way to go.
Rossana Hale
From Warren, MI. I got free rates from 21st Century, Auto-Owners, Eastwood, and GMAC for my 1999 Nissan Pathfinder and I think I saved around $30 each month. I used their online quote form to compare rates. I only have liability coverage on it.
Rich Preston
It’s all a rip off. I’m in the north part of Columbus, OH. I quoted with Allstate, American Family, and some I forget for my Nissan and I’m now saving $12 a month. Left Erie to switch. They have a lot of discounts available. I only have liability coverage on it.
Myung Parrish
I live in Mesa, AZ. I got free quotes with Liberty Mutual, Auto-Owners, Mercury, and a couple others for my 1999 Nissan Pathfinder and saved $61 a year. Ask about discounts. Might find lower rates online.
Fran Morales
Proud to be from Oklahoma City, OK. I quoted with Mercury, Erie, GEICO, and Amica for my Pathfinder and cut my rates about $100 a year. Left Western Auto Insurance to switch.
Kiersten Salas
For me, GEICO was by far the cheapest in Oklahoma City, OK.
Lindsay Perez
Hope my car insurance gets cheaper. I’m in Hartford, CT. Got rates from Allstate, Esurance, and Hanover for my 1999 Nissan Pathfinder and I think I saved about $30 each month. Even increased coverage a bit. They have free quotes online.
Susy Marshall
Where is cheaper car insurance? Live in the eastern part of Overland Park, KS. Checked online prices for a 1999 Nissan Pathfinder. Ended up at about $90 savings annually. Went with Allstate. They were helpful in switching over. I’m thinking about dropping full coverage though.
Chang Herring
All companies are crooks. I live south of Detroit, MI. Quoted with Progressive, Esurance, and Hanover for my Pathfinder and saved just over $90 a year. Insured with GEICO before. Good savings if you bundle. Next renewal I’ll just do liability.
Joeann Mayer
If you don’t have tickets and live near Rutland, Vermont, check out GEICO. They seem to be cheaper. I have kids on my policy, too. When should I drop full coverage?
Bok Nieves
Does 21st Century have low rates for teen drivers?
Willia Dixon
I live in Charlotte, North Carolina. Checked online prices for a 1999 Nissan Pathfinder. Ended up at about $70 savings annually. Went with GEICO.
Waneta Wilkins
Live in the western part of New York City, New York. Received rates from 21st Century, Auto-Owners, and Eastwood for my Nissan and saved $73 a year. Left Eastwood to switch. Not sure if rates are cheaper online or through an agent.
Herb Griffin
From south side of Las Vegas, Nevada. Got prices from Progressive, Auto-Owners, Encompass, and Liberty Mutual for my Pathfinder and saved just over $110 a year. Not sure about claim service.
Barrie Bruce
Just my two cents. Live in the eastern part of Charleston, WV. Received quotes with Sentry, Esurance, GEICO, and Auto-Owners for my Nissan and I’m now saving $10 a month. Ask about discounts. When should I drop full coverage?
Belen Reid
I compared a lot of rate quotes for a 1999 Nissan Pathfinder in Wilmington, Delaware. Ended up at right around $100 every six months with AIG Insurance.