Compare 2002 Nissan Pathfinder Insurance Rates

Looking for better auto insurance rates for your Nissan Pathfinder? Having to pay for expensive auto insurance can consume your checking account and force you to make sacrifices. Performing a rate comparison is a great way to lower your bills every month.

Due to the abundance of insurance companies to choose from, it can be diffult for drivers to find a lower cost auto insurance company.

Smart consumers take time to quote other rates as often as possible because prices trend upward over time. Even if you think you had the lowest rate for Pathfinder coverage on your last policy you will most likely find a better premium rate today. Forget all the misinformation about auto insurance because we’re going to demonstrate one of the easiest ways to save money, get proper deductibles and limits, all at the lowest rate.

Lower your insurance prices

Consumers need to have an understanding of the rating factors that come into play when calculating the level of your policy premiums. If you understand what determines base rates, this helps enable you to make changes that may result in lower insurance prices. Many different elements are used in the calculation when quoting car insurance. Some of the criteria are obvious such as your driving record, but some are not quite as obvious such as your credit history or how financially stable you are.

The factors shown below are some of the things companies use to determine your rate level.

• Does insurance cost more for men? – Over time, data shows that women are safer drivers than men. The data does not necessarily mean that men are worse drivers. Men and women are in auto accidents at about the same rate, but males tend to have more serious accidents. Men also statistically get higher numbers of serious violations such as DWI and reckless driving. Teenage male drivers tend to get in the most accidents and therefore have the most expensive insurance rates.
• Bump up physical damage deductibles to lower rates – Protection for physical damage, also known as collision and other-than-collision, covers damage that occurs to your Nissan. Some examples of claims that would be covered could be a dented fender, hail damage, or theft. Comp and collision deductibles state the amount of money you are willing to pay if you file a covered claim. The higher the amount the insured has to pay upfront, the less money you will pay for insurance for Pathfinder coverage.
• Lower rates for married couples – Your spouse can actually save you money when shopping for insurance. Having a spouse translates into being more stable financially it has been statistically shown that married couples file fewer claims.
• Multiple policies with one company can save – Some insurance companies provide a discount to policyholders that purchase more than one policy. It’s known as a multi-policy discount. Discounts can add up to ten or even fifteen percent. Even with this discount, it’s always a smart idea to check prices from other companies to make sure you are getting the best deal. It’s possible to still find lower rates by splitting coverages up.
• Your vocation may affect prices – Did you know that where you work can have an impact on rates? Jobs like judges, business owners and accountants tend to have the highest average rates attributed to job stress and lengthy work days. On the other hand, jobs like professors, athletes and performers pay the least for Pathfinder coverage.
• File a claims and pay more – If you are a frequent claim filer, you can pretty much guarantee either policy cancellation or increased premiums. Companies generally give better rates to policyholders who are not frequent claim filers. Insurance coverage is designed for the bigger claims that can’t be paid out-of-pocket.
• Vehicles with better crash test results cost less to insure – Vehicles with good safety scores tend to have lower insurance rates. Highly rated vehicles reduce the chance of injuries and reduced instances of injuries translates directly to fewer claims which can mean better rates for you.
• Teenagers vs. older drivers – Beginning drivers are statistically proven to be easily distracted when driving with friends therefore insurance rates are much higher. More mature drivers are more cautious drivers, cause fewer claims and accidents , and usually have better credit.

Lower rate quotes with these insurance coverage discounts

Insurance coverage is easily one of your largest bills, but there may be some discounts that could help you make your next renewal payment. Many of these discounts will be applied automatically at quote time, but some discounts are required to be specially asked for prior to getting the savings.

• More Vehicles More Savings – Drivers who insure primary and secondary vehicles on the same insurance coverage policy could earn a price break for each car.
• Anti-theft Discount – Cars that have factory anti-theft systems can help prevent theft and that can save you a little bit as well.
• Braking Control Discount – Vehicles with ABS braking systems or traction control can stop better under adverse conditions so companies give up to a 10% discount.
• Include Life Insurance and Save – Not all insurance carriers offer life insurance, but some may give you a discount if you purchase auto and life insurance together.
• Onboard Data Collection – Insureds that choose to allow data collection to study driving manner by installing a telematics device like In-Drive from State Farm and Progressive’s Snapshot could see a rate decrease if they have good driving habits.
• Accident Waiver – but companies like Allstate and Geico may permit one accident before they charge you more for coverage so long as you haven’t had any claims prior to being involved in the accident.
• Claim Free – Insureds with no claims or accidents pay much less as compared to drivers with a long claim history.
• Discounts for Good Drivers – Insureds who avoid accidents may save up to 50% more for Pathfinder coverage than less cautious drivers.

As a footnote on discounts, some of the credits will not apply to the entire cost. Most only apply to specific coverage prices like comp or med pay. Even though the math looks like having all the discounts means you get insurance for free, companies don’t profit that way.

A few of the larger companies and a selection of discounts can be found below.

• Geico offers premium reductions for good student, daytime running lights, multi-vehicle, seat belt use, five-year accident-free, emergency military deployment, and military active duty.
• Travelers may offer discounts for driver training, IntelliDrive, continuous insurance, multi-car, and hybrid/electric vehicle.
• Nationwide may have discounts that include good student, accident-free, multi-policy, family plan, and business or organization.
• Farmers Insurance policyholders can earn discounts including bundle discounts, early shopping, electronic funds transfer, business and professional, teen driver, and mature driver.
• Esurance offers discounts for multi-car, Pac-12 alumni, online quote, anti-theft, defensive driver, and claim free.
• State Farm includes discounts for passive restraint, multiple policy, anti-theft, good driver, safe vehicle, student away at school, and defensive driving training.
• Progressive has savings for good student, online quote discount, multi-vehicle, homeowner, online signing, and continuous coverage.
• Mercury Insurance has discounts for annual mileage, low natural disaster claims, multi-policy, multi-car, type of vehicle, and anti-theft.

When getting free insurance quotes, it’s a good idea to each company or agent the best way to save money. All car insurance discounts might not be available to policyholders in every state. If you would like to view providers who offer free insurance coverage quotes, click here.

Insurance advertising tricks

Companies like State Farm, Geico and Progressive seem to constantly run television and radio advertisements. All the ads advertise claims that drivers can save some big amount if you move your coverage to them. How does each company charge you a lower premium? You have to listen carefully.

Companies are able to cherry pick for the type of insured that earns them a profit. An example of a profitable risk profile may need to be over the age of 50, insures multiple vehicles, and has excellent credit. Any customer who fits that profile may get the lowest rates and will also save money with a new company.

Potential insureds who do not fit the requirements will be quoted higher premiums and this results in the customer not buying. If you pay close attention to the ads, they say “people who switch” not “everyone that quotes” can save as much as they claim. That’s why insurance companies can confidently lure you into getting a quote. This really drives home the point why you really need to get insurance quotes from several different companies. It’s not possible to predict which insurance companies will give you the biggest savings.

Car insurance can get complicated

When it comes to buying coverage for your personal vehicles, there really is no “perfect” insurance plan. Every insured’s situation is different so your insurance needs to address that. For example, these questions can aid in determining if your insurance needs will benefit from professional help.

• Does my liability insurance cover pulling a trailer or camper?
• Should I buy full coverage?
• Why am I be forced to buy a membership to get insurance from some companies?
• What if I don’t agree with a claim settlement offer?
• What discounts do I qualify for?
• Am I better off with higher deductibles on my 2002 Nissan Pathfinder?
• Am I covered if I drive in a foreign country?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier

The coverage is in the details

Knowing the specifics of a insurance policy helps when choosing appropriate coverage for your vehicles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Shown next are the usual coverages found on the average insurance policy.

Comprehensive coverages – Comprehensive insurance will pay to fix damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims such as a broken windshield, damage from a tornado or hurricane and theft. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability car insurance – Liability coverage provides protection from injuries or damage you cause to people or other property. It protects YOU against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against claims such as repair costs for stationary objects, funeral expenses, bail bonds, medical expenses and legal defense fees. The amount of liability coverage you purchase is a personal decision, but you should buy as high a limit as you can afford.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses such as ambulance fees, prosthetic devices, doctor visits and X-ray expenses. They can be used to fill the gap from your health insurance program or if you are not covered by health insurance. Coverage applies to all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not an option in every state but can be used in place of medical payments coverage

Uninsured and underinsured coverage – This protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your 2002 Nissan Pathfinder.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Collision coverage – This coverage pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as hitting a parking meter, sideswiping another vehicle and rolling your car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

Be a smart shopper

When searching for cheap insurance quotes, never skimp on coverage in order to save money. There have been many situations where someone sacrificed liability coverage limits and learned later that the small savings ended up costing them much more. Your aim should be to buy enough coverage at the best cost.

The cheapest 2002 Nissan Pathfinder insurance is attainable from both online companies as well as from independent agents, so you need to quote insurance with both in order to have the best price selection to choose from. Some insurance companies may not offer online quoting and many times these smaller companies only sell through independent agencies.

To learn more, feel free to browse these articles:

• Tools for Teen Driving Safety (State Farm)
• Your Car has been Stolen: Now What? (Allstate)
• Learn About Car Insurance (Geico)
• How Can I Save Money on Auto Insurance? (Insurance Information Insitute)
• Help Your Teen Be a Better Driver (State Farm)
• Teen Driver Statistics (Insurance Information Insitute)