Cheaper 2016 Nissan Pathfinder Car Insurance Rates

Searching for better insurance coverage rates for your Nissan Pathfinder? Trying to come up with a payment for pricey insurance coverage can drain your monthly budget and possibly require you to analyze your spending habits. Lots of insurance companies contend for your business, so it’s not easy to compare every insurer to get the lowest cost out there.

How to compare free insurance quotes

Most larger insurance companies like 21st Century, Allstate and State Farm allow you to get coverage price quotes direct online. Getting quotes can be done by anyone as you just type in into a form. Once entered, the company’s rating system collects information on your driving record and credit history and generates a price based on the information you submitted. Online price estimates makes it simple to compare prices but the time it takes to visit a lot of sites and type in your information is a waste of time. But it’s absolutely necessary to have as many quotes as possible if you want to get a better rate.

The easy way to compare rates

The quickest way to locate the lowest prices uses just one form that analyzes rates from a bunch of companies at once. This type of form saves time, eliminates form submissions, and makes quoting online much easier. As soon as you send your information, it is quoted and you are able to buy your choice of the quote results.

If one or more price quotes are lower than your current rates, you can click and sign and purchase the new policy. The whole process can be completed in less than 10 minutes and you will find out if you’re overpaying now.

To save time and find out how much you’re overpaying now, click here to open in a new tab and begin entering your coverage information. To compare your current rates, we recommend you copy coverages and limits identical to your current policy. Using the same limits helps guarantee you are getting a fair comparison for similar insurance coverage.

Don’t overlook these auto insurance discounts

Auto insurance can be pricey, but there could be significant discounts to help bring down the price. Some trigger automatically at the time of purchase, but some discounts are required to be manually applied before being credited.

  • Multiple Policy Discount – If you combine your homeowners and auto policies with one company you may save as much as 10 to 15 percent.
  • College Student – Kids who live away from home at college and do not have access to a covered vehicle may qualify for this discount.
  • Drive Safe and Save – Insureds who avoid accidents may receive a discount up to 45% for Pathfinder insurance compared to rates paid by drivers with frequent claims.
  • Club Memberships – Belonging to a civic or occupational organization can get you a small discount on your next auto insurance statement.
  • Active Military Service – Being deployed with a military unit could be rewarded with lower prices.
  • Good Student Discount – This discount can earn a discount of 20% or more. The good student discount can last up until you turn 25.
  • Discounts for Seat Belt Usage – Drivers who require all vehicle occupants to wear their seat belts may be able to save a few bucks on the medical payments or PIP coverage costs.

Remember that most discounts do not apply to the entire policy premium. The majority will only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So despite the fact that it appears you could get a free auto insurance policy, auto insurance companies aren’t that generous.

A few popular companies and a partial list of their discounts are shown below.

  • State Farm offers premium reductions for Drive Safe & Save, accident-free, multiple policy, good student, defensive driving training, and student away at school.
  • Liberty Mutual discounts include safety features, multi-policy, hybrid vehicle, newly retired, and multi-car.
  • American Family offers discounts for accident-free, mySafetyValet, air bags, TimeAway discount, and Steer into Savings.
  • Progressive may include discounts for online signing, online quote discount, good student, continuous coverage, and multi-vehicle.
  • Farmers Insurance offers discounts including pay in full, homeowner, youthful driver, good student, and early shopping.
  • Auto-Owners Insurance may have discounts that include teen driver, air bags, company car, group or association, and multi-policy.
  • SAFECO includes discounts for safe driver, multi-car, homeowner, teen safety rewards, anti-lock brakes, and anti-theft.

Double check with every prospective company to apply every possible discount. All car insurance discounts may not be available in your area. To see a list of companies with discount rates, click here.

When to get professional advice

When it comes to buying coverage, there really is no “best” method to buy coverage. Everyone’s situation is unique so this has to be addressed. Here are some questions about coverages that might help in determining if your insurance needs would benefit from an agent’s advice.

  • Can I rate high risk drivers on liability-only vehicles?
  • Are rock chip repairs covered?
  • I have health insurance so do I need medical payments coverage?
  • Am I covered if I hit my neighbor’s mailbox?
  • Do I need special endorsements for business use of my vehicle?
  • Is my cargo covered for damage or theft?

If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, free and may give you better protection.

Informed consumers can reduce insurance rates

Many things are used when you quote your car insurance policy. Some factors are common sense such as your driving record, but other factors are not quite as obvious such as whether you are married or your financial responsibility.

  • Employer impacts premiums – Occupational choices like doctors, executives and stock brokers generally have the highest average rates because of high stress levels and lots of time spent away from family. On the other hand, occupations such as scientists, engineers and retirees receive lower rates for Pathfinder insurance.
  • Raise comp and collision deductibles and save – Physical damage insurance, 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 colliding with a building, flood damage, and damage caused by flying debris. Deductibles for physical damage are how much you are required to pay in the event of a claim. The higher the amount you have to pay, the better rate you will receive for Pathfinder insurance.
  • Improve your credit rating – Having a bad credit score will be a significant factor in determining what you pay for insurance. So if your credit history leaves room for improvement, you may save money insuring your 2016 Nissan Pathfinder by spending a little time repairing your credit. Consumers who have excellent credit tend to be more responsible and file fewer claims than drivers who have poor credit.
  • Which gender costs less? – Statistics have proven that women are safer drivers than men. That doesn’t necessarily mean that women are better drivers. Women and men cause accidents at about the same rate, but guys tend to have more serious accidents. In addition to higher claims, males also receive more major tickets like DUI and reckless driving. Teenage male drivers tend to get in the most accidents so it costs more to insure them.

Auto insurance coverage considerations

Learning about specific coverages of your auto insurance policy can help you determine the right coverages for your vehicles. Auto insurance terms can be difficult to understand and reading a policy is terribly boring. Listed below are typical coverages found on the average auto insurance policy.

Liability

This coverage can cover injuries or damage you cause to other’s property or people in an accident. This coverage protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers things such as bail bonds, pain and suffering and medical services. The amount of liability coverage you purchase is your choice, but you should buy higher limits if possible.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for expenses for rehabilitation expenses, X-ray expenses, doctor visits and chiropractic care. They are often utilized in addition to your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Collision protection

Collision insurance will pay to fix damage to your Pathfinder resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things such as crashing into a ditch, colliding with a tree, colliding with another moving vehicle and driving through your garage door. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Another option is to choose a higher deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and also any damage incurred to your Nissan Pathfinder.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually these limits do not exceed the liability coverage limits.

Comprehensive coverage

Comprehensive insurance pays for damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like rock chips in glass, vandalism, damage from a tornado or hurricane and a broken windshield. The most a auto insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Saving money makes a lot of cents

Budget-friendly car insurance can be found online in addition to local insurance agencies, and you need to price shop both to get a complete price analysis. Some car insurance companies may not provide online rate quotes and most of the time these smaller companies work with independent insurance agents.

In this article, we presented a lot of ways to shop for 2016 Nissan Pathfinder insurance online. The key thing to remember is the more you quote car insurance, the better likelihood of getting cheap car insurance. You may even discover the biggest savings come from some of the smallest insurance companies. Some small companies can often provide lower prices in certain areas than the large multi-state companies such as State Farm, Geico and Nationwide.

When you buy car insurance online, it’s not a good idea to sacrifice coverage to reduce premiums. In too many instances, an insured cut uninsured motorist or liability limits only to regret at claim time that the few dollars in savings costed them thousands. Your focus should be to get the best coverage possible at a price you can afford.

Other resources