How Much Does 2004 Nissan Pathfinder Insurance Cost?

Searching for cheaper insurance rates for your Nissan Pathfinder? Locating cheaper insurance for a Nissan Pathfinder could be a lot of work, but you can follow these tips to save time. There is a right way and a wrong way to shop for insurance so you’re going to learn the best way to quote coverages for a Nissan and get the lowest possible price.

Car Insurance Prices Online

Reducing your 2004 Nissan Pathfinder insurance rates is actually quite simple. The only requirement is to invest a little time comparing rates from different insurance companies. This can be done in several different ways.

  • Probably the best way to compare a lot of rates at once would be an industry-wide quote request form (click to open form in new window). This type of form eliminates the need for separate quotation requests for every car insurance company. Filling out one form will get you price quotes from multiple low-cost companies.It’s the quickest way to get rates.
  • A more difficult way to get quotes online consists of going to the website for every company you want to comare and request a quote. For instance, we’ll assume you want rates from Allstate, Progressive and Farmers. To find out each rate you need to visit each site and enter your information, which is why the first method is more popular.

    For a list of links to insurance companies in your area, click here.

  • The least efficient way to get comparison rates is to spend time driving to local insurance agencies. Buying insurance online makes this process obsolete unless you require the personal advice only provided by licensed agents. You can, however, find lower rates online but buy from a local insurance agent.

Which method you use is up to you, but make sure you use apples-to-apples quote information for every company. If you have mixed coverages it’s impossible to determine the best price for your Nissan Pathfinder.

Best discounts on Nissan Pathfinder coverage

Companies offering auto insurance do not list all available discounts in a way that’s easy to find, so here is a list both well-publicized and the harder-to-find ways to save on car insurance. If you aren’t receiving every discount you deserve, you’re paying more than you need to.

  • Driver Safety – Successfully completing a defensive driving course could possibly earn you a 5% discount if your company offers it.
  • Save with a New Car – Adding a new car to your policy can be considerably cheaper compared to insuring an older model.
  • Good Students Pay Less – This discount can get you a discount of up to 25%. Earning this discount can benefit you until age 25.
  • Multi-policy Discount – When you have multiple policies with one company you may earn at least 10% off all policies.
  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems help deter theft and will save you 10% or more.
  • Braking Control Discount – Cars that have steering control and anti-lock brakes can avoid accidents and qualify for as much as a 10% discount.
  • Payment Discounts – If paying your policy premium upfront instead of monthly or quarterly installments you may reduce your total bill.
  • Sign Online – Certain companies will discount your bill up to fifty bucks for buying your policy online.
  • 55 and Retired – Mature drivers may receive reduced rates for Pathfinder insurance.

As a disclaimer on discounts, most credits do not apply to all coverage premiums. Some only apply to individual premiums such as medical payments or collision. Just because it seems like all those discounts means the company will pay you, it just doesn’t work that way.

Car insurance companies who might offer these benefits may include but are not limited to:

Before buying, ask every prospective company what discounts are available to you. Savings might not apply in your area.

Tailor your coverage to you

When buying coverage, there really is not a perfect coverage plan. Everyone’s needs are different.

Here are some questions about coverages that can help discover if your insurance needs will benefit from professional help.

  • What is covered by UM/UIM coverage?
  • Am I covered when pulling a rental trailer?
  • Does my car insurance cover rental cars?
  • Is my camper covered by my car insurance policy?
  • What are the financial responsibility laws in my state?
  • Should I sign the liability waiver when renting a car?
  • Is my babysitter covered when using my vehicle?
  • Can I afford to buy a different vehicle if my 2004 Nissan Pathfinder is totaled?
  • What exactly is covered by my policy?
  • Do I need PIP coverage since I have good health insurance?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with an agent. If you don’t have a local agent, take a second and complete this form. It is quick, free and can help protect your family.

Factors that can influence Nissan Pathfinder insurance rates

Consumers need to have an understanding of the different types of things that help determine the price you pay for insurance. Understanding what impacts premium levels empowers consumers to make smart changes that may reward you with lower insurance prices.

  • Mature drivers pay less – Youthful drivers tend to be careless and easily distracted when behind the wheel so insurance rates are higher. Older insureds are more cautious drivers, tend to file fewer claims and tend to be better behind the wheel.
  • Car features impact rates – Purchasing a vehicle with anti-theft technology or alarm system can help bring down rates. Theft prevention devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping auto theft.
  • Males pay more for insurance – Statistics demonstrate that men are more aggressive behind the wheel. However, don’t assume that women are better drivers. They both cause accidents in similar percentages, but the males cause more damage and cost insurance companies more money. They also get more serious tickets such as DWI and reckless driving.
  • Choose a safe vehicle and save – Cars with high safety ratings can get you lower premiums. The safest vehicles have better occupant injury protection and fewer injuries translates into fewer and smaller insurance claims and more competitive rates for policyholders. If your Nissan Pathfinder earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.
  • Poor credit can mean higher rates – A driver’s credit score is a important factor in calculating your insurance rates. Drivers with high credit ratings tend to file fewer claims and have better driving records than drivers with poor credit. Therefore, if your credit score is low, you could pay less to insure your 2004 Nissan Pathfinder by spending a little time repairing your credit.
  • Your occupation can affect rates – Occupations such as judges, business owners and accountants tend to pay higher rates than average in part from stressful work requirements and lots of time spent at work. On the flip side, occupations like farmers, athletes and retirees have the lowest average rates for Pathfinder insurance.
  • Never go without insurance – Having an insurance coverage lapse will be a quick way to bump up your insurance costs. Not only will you pay more, failure to provide proof of insurance can result in a hefty fine and possibly a revoked license.You may need to submit proof of financial responsibility or a SR-22 with your state motor vehicle department to get your license reinstated.

Car insurance myths debunked

Consumers get pounded daily by advertisements that promise big savings by State Farm, Geico and Progressive. All the ads make an identical promise about savings if you change to their company.

How does each company claim to save you money?

All the different companies have a preferred profile for the type of customer that earns them a profit. An example of a driver they prefer could possibly be over the age of 40, is a homeowner, and has a short commute. A customer getting a price quote that hits that “sweet spot” will get very good rates and most likely will save when they switch companies.

Potential insureds who don’t meet the “perfect” profile will have to pay a higher premium and ends up with the driver buying from a lower-cost company. Company advertisements say “customers who switch” but not “drivers who get quotes” save that much money. That’s why companies can truthfully state the savings. Because of the profiling, drivers should get as many comparisons as possible. It’s not possible to predict which car insurance company will have the lowest Nissan Pathfinder insurance rates.

Coverages available on your policy

Understanding the coverages of a auto insurance policy aids in choosing appropriate coverage for your vehicles. Auto insurance terms can be difficult to understand and reading a policy is terribly boring.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection when the “other guys” either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your 2004 Nissan Pathfinder.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as damage from flooding, hail damage, rock chips in glass, damage from a tornado or hurricane and falling objects. The highest amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Auto liability insurance

Liability insurance can cover damage that occurs to other people or property. This insurance protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

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 limits of 100/300/100 that translate to a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability coverage protects against things like repair bills for other people’s vehicles, pain and suffering, funeral expenses and medical services. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Collision insurance

Collision insurance pays for damage to your Pathfinder resulting from a collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as driving through your garage door, hitting a mailbox, colliding with another moving vehicle and crashing into a building. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to get cheaper collision coverage.

Medical expense insurance

Coverage for medical payments and/or PIP pay for immediate expenses such as surgery, dental work, funeral costs and X-ray expenses. They are often used to fill the gap from your health insurance plan or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Stretch your dollar

We just showed you a lot of information how to reduce 2004 Nissan Pathfinder insurance prices online. It’s most important to understand that the more companies you get rates for, the higher the chance of saving money. Consumers could even find that the most savings is with a company that doesn’t do a lot of advertising.

Drivers leave their current company for a number of reasons such as policy non-renewal, policy cancellation, questionable increases in premium and extreme rates for teen drivers. It doesn’t matter why you want to switch finding a new company can be easier than you think.

As you go through the steps to switch your coverage, it’s very important that you do not skimp on coverage in order to save money. In many cases, drivers have reduced liability coverage limits only to regret that the small savings ended up costing them much more. The aim is to buy a smart amount of coverage at a price you can afford, not the least amount of coverage.

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