2001 Nissan Pathfinder Insurance Quotes

Want cheaper auto insurance rates for your Nissan Pathfinder? Nobody loves paying for auto insurance, especially when they know the prices are way too high.

Multiple car insurance companies compete for your business, and it can be difficult to compare rates and uncover the absolute lowest cost out there.

It’s a good idea to get comparison quotes on a regular basis since rates are rarely the same from one policy term to another. If you had the lowest rate for Pathfinder coverage a couple years back you will most likely find a better price today. Ignore everything you know about auto insurance because you’re going to get a crash course in the proper way to reduce your cost while increasing coverage.

These discounts can lower your auto insurance rates

Insuring your vehicles can cost a lot, but you might be missing out on some discounts that could drop your premiums quite a bit. Larger premium reductions will be automatically applied when you purchase, but some discounts are required to be specially asked for before you will receive the discount.

• Theft Prevention System – Cars and trucks optioned with advanced anti-theft systems are less likely to be stolen and will save you 10% or more.
• Resident Student – who live away from home at college and won’t have access to an insured vehicle may be insured at a cheaper rate.
• One Accident Forgiven – but certain companies will forgive one accident before they charge you more for coverage if you are claim-free for a set time period.
• Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems can receive discounts as much as 30%.
• Early Renewal Discounts – A few larger companies allow discounts for renewing your policy before your current expiration date. This can save 10% or more.
• Onboard Data Collection – Drivers who elect to allow companies to monitor when and where they use their vehicle through the use of a telematics system such as Allstate’s Drivewise and State Farm’s In-Drive system could possibly reduce rates if they are good drivers.

One thing to note about discounts is that most discount credits are not given to all coverage premiums. A few only apply to the cost of specific coverages such as liability, collision or medical payments. So even though it sounds like having all the discounts means you get insurance for free, auto insurance companies aren’t that generous.

Some of the insurance companies who might offer some of the discounts shown above are:

• Farmers Insurance
• Esurance
• State Farm
• Geico
• Allstate

It’s a good idea to ask every prospective company to apply every possible discount. A few discounts may not apply in every state. If you would like to see a list of insurers that offer the discounts shown above, click this link.

Different people need different car insurance coverages

When it comes to buying the right insurance coverage, there really is no cookie cutter policy. Every situation is different and a cookie cutter policy won’t apply. For instance, these questions could help you determine if you could use an agent’s help.

• Can I still get insurance after a DUI?
• What discounts do I qualify for?
• Do I have coverage if my license is suspended?
• Is my dog or cat covered if injured in an accident?
• Should I buy only the required minimum liability coverage?
• Is upholstery damage covered by car insurance?
• What can I do if my company denied a claim?
• Will my vehicle be repaired with OEM or aftermarket parts?

If you can’t answer these questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Specific coverage details

Knowing the specifics of your insurance policy can be of help when determining the best coverages for your vehicles. Insurance terms can be ambiguous and even agents have difficulty translating policy wording. These are typical coverages available from insurance companies.

Collision insurance

Collision insurance pays for damage to your Pathfinder resulting from a collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like crashing into a ditch, hitting a parking meter and hitting a mailbox. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses such as dental work, EMT expenses and X-ray expenses. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as vandalism, damage from flooding and fire damage. The highest amount your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability auto insurance

Liability coverage provides protection from damage or injury you incur to other’s property or people. This coverage protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 100/300/100 which stand for $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability can pay for things such as emergency aid, attorney fees, repair costs for stationary objects and funeral expenses. How much liability should you purchase? That is your choice, but you should buy as large an amount as possible.

Buy Smart and Save

When searching for cheaper insurance quotes, it’s very important that you do not skimp on coverage in order to save money. Too many times, consumers will sacrifice comprehensive coverage or liability limits and learned later that the savings was not a smart move. The aim is to buy enough coverage at the lowest possible cost while not skimping on critical coverages.

In this article, we presented some good ideas how you can get a better price on 2001 Nissan Pathfinder insurance. The key thing to remember is the more companies you get rates for, the better your comparison will be. Consumers may even find the lowest prices come from a small mutual company. These companies can often provide lower rates in certain areas than the large multi-state companies such as Progressive and Geico.

Additional auto insurance information is available at the links below

• Airbag FAQ (iihs.org)
• Collision Insurance Coverage (Nationwide)
• How to Avoid Common Accidents (State Farm)
• What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)
• When is the Right Time to Switch Car Insurance Companies? (Allstate)