2016 Nissan Pathfinder Insurance Rates – 6 Savings Tips

Having to pay for high-priced auto insurance can overdraw your funds and force you to prioritize other expenses. Comparing price quotes is an excellent way to tighten up your finances.

Companies like State Farm, Progressive and Geico continually bombard you with advertising and consumers find it hard to not get sucked in by the cute commercials and take the time to shop coverage around.

If you have insurance now or need a new policy, you can use these techniques to get lower rates and still get good coverage. Finding the best rates is not that difficult. Vehicle owners just need to understand the most efficient way to compare company rates over the internet.

Which insurance is cheapest?

The majority of larger companies provide coverage prices directly from their websites. The process is fairly simple as you simply enter the coverage amounts you desire into the quote form. Upon sending the form, their quoting system collects reports for credit and driving violations and returns a price quote. Quoting online makes it simple to compare prices but the time required to go to many different websites and type in the same information gets old quite quickly. But it is imperative to have as many quotes as possible if you want to find a lower rate.

The easy way to compare rates

A better way to compare rates utilizes a single form that gets prices from more than one company. It’s a real time-saver, reduces the work, and makes comparison shopping much more efficient. After your information is entered, it is quoted with multiple companies and you can pick any one of the quotes that you receive.

If one or more price quotes are lower than your current rates, it’s easy to complete the application and purchase the new policy. It can be completed in less than 10 minutes and may result in a nice savings.

To save time and find out how much you’re overpaying now, click here to open in a new tab and enter your information. If you have your current policy handy, we recommend you enter the coverages exactly as they are listed on your policy. This ensures you will receive a price comparison for exact coverage.

Can you really save if you switch?

Consumers can’t get away from ads that claim the best car insurance rates from companies such as Progressive, Geico, Allstate and State Farm. They all make the point about savings if you change your coverage.

How is it plausible that every one can lower your car insurance rates? It’s all in how they say it.

Most companies require specific criteria for the right customer that earns them the highest profit. One example of a profitable risk profile should be between 30 and 50, has no driving citations, and drives less than 10,000 miles a year. Someone who matches those parameters will get very good prices and is almost guaranteed to pay quite a bit less when switching companies.

Potential insureds who don’t meet this ideal profile will see a higher rate which leads to the customer buying from a different company. If you listen closely, the ads state “drivers who switch” not “everybody who quotes” save that much when switching. That’s why companies can state the savings.

Different companies use different criteria so you should compare free auto insurance quotes often. It’s just too difficult to predict with any certainty which company will have the best rates.

Affordable auto insurance quotes with discounts

Buying auto insurance is not cheap, but there may be some discounts that you may not even know about. Certain discounts will be applied at the time of quoting, but some need to be requested specifically before they will apply. If you check and find you aren’t receiving every discount you deserve, you are paying more than you should be.

  • Drivers Ed for Students – Cut your cost by having your teen driver enroll in driver’s education if offered at their school.
  • Air Bag Discount – Vehicles equipped with air bags and/or automatic seat belt systems can qualify for discounts of 20 to 30 percent.
  • Onboard Data Collection – Drivers who elect to allow their company to track their driving habits by using a telematics device such as Progressive’s Snapshot might get better premium rates if their driving habits are good.
  • Discount for Low Mileage – Driving less may enable drivers to earn better rates on cars that stay parked.
  • ABS and Traction Control Discounts – Cars and trucks that have anti-lock braking systems can reduce accidents and therefore earn up to a 10% discount.
  • Payment Discounts – If you pay your entire premium ahead of time instead of making monthly payments you can avoid monthly service charges.

Consumers should know that most discount credits are not given to all coverage premiums. Most only reduce the cost of specific coverages such as medical payments or collision. So when the math indicates it’s possible to get free car insurance, it doesn’t quite work that way.

Some companies who might offer these discounts possibly include:

Before you buy a policy, ask all the companies which discounts can lower your rates. A few discounts might not be offered on policies in your area. To view companies that offer discounts, click here.

Tailor your auto insurance coverage to you

When it comes to buying the right insurance coverage, there really is no single plan that fits everyone. Everyone’s needs are different and your policy should reflect that. Here are some questions about coverages that can aid in determining whether your personal situation may require specific advice.

  • Is rental equipment covered for theft or damage?
  • Which companies will insure high-risk drivers?
  • What are the financial responsibility laws in my state?
  • Am I getting all the discounts available?
  • I have health insurance so do I need medical payments coverage?
  • Does my personal policy cover me when driving out-of-state?
  • When would I need additional glass coverage?

If you can’t answer these questions but you know they apply to you, you may need to chat with an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of auto insurance companies in your area. It only takes a few minutes and may give you better protection.

Information about specific coverages

Understanding the coverages of a insurance policy helps when choosing appropriate coverage for your vehicles. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Shown next are the usual coverages offered by insurance companies.

Medical costs insurance

Coverage for medical payments and/or PIP pay for bills for ambulance fees, nursing services, rehabilitation expenses, doctor visits and prosthetic devices. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

UM/UIM Coverage

This coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Nissan Pathfinder.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Collision protection

Collision coverage covers damage to your Pathfinder caused by collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as sideswiping another vehicle, driving through your garage door, colliding with a tree and crashing into a ditch. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Liability insurance

This coverage protects you from damage or injury you incur to other’s property or people by causing an accident. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 100/300/100 that translate to $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability insurance covers claims like repair bills for other people’s vehicles, repair costs for stationary objects, medical expenses and emergency aid. How much liability should you purchase? That is a decision to put some thought into, but you should buy as large an amount as possible.

Comprehensive or Other Than Collision

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as damage from getting keyed, falling objects and hitting a deer. The maximum payout you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Be a smart shopper

We just covered a lot of information how to save on 2016 Nissan Pathfinder insurance. The key thing to remember is the more providers you compare, the better your comparison will be. You may even find the lowest prices are with a smaller regional carrier. These smaller insurers may often insure only within specific states and give getter rates as compared to the big name companies such as State Farm and Allstate.

When searching for cheaper auto insurance quotes, it’s very important that you do not skimp on coverage in order to save money. Too many times, an insured cut liability coverage limits and learned later that the few dollars in savings costed them thousands. Your goal should be to purchase plenty of coverage at the lowest possible cost, but don’t skip important coverages to save money.

Budget-friendly insurance is definitely available both online as well as from insurance agents, and you should compare rates from both to have the best selection. Some companies may not offer the ability to get a quote online and most of the time these small insurance companies provide coverage only through independent agents.

Even more information is located in these articles:

Comments About 2016 Nissan Pathfinder Insurance

  1. Kori Head

    Compared auto insurance prices with State Farm and Progressive but still not cheap enough.

  2. Merrilee Galloway

    I’m in the north part of Saint Louis, MO. Received prices from AIG Insurance, Farmers, and Sentry for my Pathfinder and saved $202 a year. Insured with Hartford before. Ask about discounts. Can still barely afford it.

  3. Dot Dotson

    Cheaper car insurance is a myth. Went with Hanover for my 2016 Nissan Pathfinder and saved about $180 a year. Left Mercury to switch. I get multi-vehicle and multi-policy discounts.

  4. Marilu Terry

    Well-written and thought out article. Located in Cincinnati, OH. Got rates from Amica, Farmers, and Safeco for my Pathfinder and I think I saved around $50 each month.

  5. Graciela Hendricks

    I got decent rates for a 2016 Nissan Pathfinder in Bismarck, ND. Ended up at right around $420 every six months with AIG Insurance.

  6. Marilu Abbott

    Thanks for putting this site together. I live south of Concord, New Hampshire. I quoted with State Farm, Farmers, and The General for my 2016 Nissan Pathfinder and am saving around $160 a year. LOL

  7. Jovan Fulton

    I think I’m paying too much. I live just to the north of Rutland, VT. I quoted with Auto-Owners, MetLife, and some smaller one I can’t remember the name of for my 2016 Nissan Pathfinder and saved $544 a year. Left Hanover to switch.

  8. Aurora Wheeler

    For me, Progressive was by far the cheapest in Aberdeen, SD.

  9. Hertha Holder

    When should I drop comp and collision?

  10. Betsy Harrington

    Not sure if this is cheap. Quoted with AAA for my 2016 Nissan Pathfinder and cut my rates about $290 a year. Even increased my liability limits. I used their website to get prices.

  11. Charlsie Hyde

    For me, 21st Century was by far the cheapest in Jacksonville, FL.

  12. Deidre Sweeney

    What are minimum liability limits required in Maryland?