2010 Nissan Pathfinder Insurance Rates

Saving money on auto insurance can be hard for consumers new to buying insurance online. People have so many options that it can be a ton of work to compare prices.

Smart consumers take time to compare rates yearly because rates trend upward over time. Even if you think you had the lowest price on Pathfinder coverage a few years ago the chances are good that you can find a lower rate today. Ignore everything you know about auto insurance because you’re about to find out the best methods to lower your rates without sacrificing coverage.

Don’t miss these discounts

Auto insurance companies don’t list all available discounts in an easy-to-find place, so we researched both well-publicized and the harder-to-find discounts you could be receiving.

  • Driver’s Ed – Have your child enroll in driver’s education in school.
  • Auto/Life Discount – Larger companies have a discount if you purchase auto and life insurance together.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control can reduce accidents and earn discounts up to 10%.
  • Paperless Signup – Some insurance companies may give you up to $50 for buying your policy online.
  • Drive Safe and Save – Drivers who don’t get into accidents can pay as much as 50% less on Pathfinder coverage than their less cautious counterparts.
  • Government Employees – Employees or retirees of the government can save as much as 8% on Pathfinder coverage depending on your company.
  • Own a Home – Owning a house can save you money because of the fact that having a home is proof that your finances are in order.

It’s important to note that most credits do not apply to the entire cost. Most only apply to the cost of specific coverages such as medical payments or collision. So despite the fact that it appears you could get a free car insurance policy, companies wouldn’t make money that way.

To see a list of companies with the best car insurance discounts, click here.

Automobile Insurance Quotes

There are several ways to compare quotes from car insurance companies in your area. The best method to find the lowest 2010 Nissan Pathfinder rates involves getting comparison quotes online. It is quite easy and can be accomplished in just a few minutes using one of these methods.

  • The first (and easiest) way to find low rates is a comparison rater form (click to open form in new window). This method eliminates the need for separate forms for each company you want a rate for. One form will get you rate comparisons from multiple low-cost companies. It’s definitely the quickest method.
  • A different way to shop for car insurance online is spending the time to visit the website for every company you want to comare and request a quote. For example, we’ll assume you want rates from Geico, State Farm and GMAC. To get each rate you have to go to every website and enter your information, which is why the first method is quicker.

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

Which method you use is up to you, but compare identical deductibles and coverage limits for each price quote. If the quotes have differing limits it’s impossible to determine which rate is truly the best. Having just a slight variation in coverages may cause a big price difference. It’s important to know that quoting more will improve the odds of getting a better price.

Factors that can influence Nissan Pathfinder insurance rates

Smart consumers have a good feel for the factors that come into play when calculating your insurance rates. Knowing what controls the rates you pay allows you to make educated decisions that could result in better insurance rates.

  • Occupation reflects on rates – Did you know your occupation can influence how much you pay for insurance? Jobs such as judges, business owners and dentists tend to have the highest average rates in part from job stress and long work hours. Other occupations like actors, historians and performers receive lower rates on Pathfinder coverage.
  • Tickets mean higher rates – Drivers with clean records tend to pay less for car insurance than people who have multiple driving citations. Even one citation may increase your cost twenty percent or more. Drivers who get severe violations like hit and run, DWI or reckless driving convictions may be required to file a SR-22 with their state motor vehicle department in order to drive a vehicle legally.
  • Being married can save on insurance – Being married can actually save you money on your insurance policy. Marriage usually means you are more mature and responsible and it’s statistically proven that married drivers get in fewer accidents.
  • Liability coverage is peace of mind – Liability coverage provides coverage in the event that a jury decides you are liable for damages caused by your negligence. It will provide legal defense coverage which can cost thousands of dollars. Liability is cheap when compared with rates for comp and collision, so buy as much as you can afford.

When might I need help?

When it comes to choosing the right insurance coverage for your personal vehicles, there really is no “perfect” insurance plan. Everyone’s situation is a little different.

For example, these questions may help you determine if you would benefit from an agent’s advice.

  • Is pleasure use cheaper than using my 2010 Nissan Pathfinder to commute?
  • How much liability coverage do I need in my state?
  • Will filing a claim cost me more?
  • Am I getting all the discounts available?
  • When should I remove comp and collision on my 2010 Nissan Pathfinder?
  • Is my cargo covered for damage or theft?
  • Can I drive in Mexico and have coverage?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form.

The fine print in insurance coverage ads

Companies like Progressive, Allstate and Geico constantly bombard you with ads on television and other media. All the ads say the same thing of big savings if you switch your policy. How do they all make the same claim? This is how they do it.

Different companies can use profiling for the type of driver that is profitable for them. An example of a profitable customer could be between 30 and 50, has no prior claims, and has a short commute. Any new insured who fits that profile receives the best rates and most likely will pay quite a bit less when switching companies.

Potential insureds who don’t meet these standards must pay higher prices and this can result in business going elsewhere. The ad wording is “people who switch” not “people who quote” save money. That’s why companies can claim big savings. This illustrates why you should get as many quotes as possible. It is impossible to predict which company will fit your personal profile best.

Coverages available on your policy

Understanding the coverages of insurance can be of help when determining appropriate coverage for your vehicles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Nissan Pathfinder.

Because many people have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive or Other Than Collision

This covers damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like a broken windshield, hail damage and vandalism. The most a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Auto liability insurance

Liability insurance protects you from damages or injuries you inflict on other people or property that is your fault. It protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

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 100/300/100 that means you have a $100,000 limit per person for injuries, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability coverage pays for things such as repair costs for stationary objects, medical expenses, pain and suffering and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but buy higher limits if possible.

Auto collision coverage

This covers damage to your Pathfinder from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims like hitting a parking meter, colliding with another moving vehicle, driving through your garage door and colliding with a tree. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. You can also increase the deductible to get cheaper collision coverage.

Medical costs insurance

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses such as chiropractic care, dental work, doctor visits and nursing services. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers all vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Buy Smart and Save

People change insurance companies for many reasons like poor customer service, high prices, delays in responding to claim requests and policy cancellation. No matter why you want to switch, finding a new company can be less work than you think.

Lower-priced 2010 Nissan Pathfinder insurance can be found from both online companies in addition to many insurance agents, and you need to comparison shop both in order to have the best chance of saving money. Some insurance companies do not provide online price quotes and these regional insurance providers work with independent agents.

As you restructure your insurance plan, make sure you don’t buy lower coverage limits just to save a few bucks. There have been many situations where drivers have reduced full coverage and discovered at claim time that it was a big mistake. Your aim should be to purchase a proper amount of coverage at an affordable rate, not the least amount of coverage.

Additional articles