How Much Does 1997 Nissan Pathfinder Insurance Cost?

Want lower insurance coverage rates for your Nissan Pathfinder? Perplexed by the dozens of insurance coverage choices? You’re not alone. You have so many choices that it can easily become a real hassle to find the lowest price.

Insurance Prices Online

There are multiple methods to compare 1997 Nissan Pathfinder insurance quotes, but there is one way that is less labor-intensive and much quicker. You can spend your afternoon driving to insurance agencies in your area, or you can utilize online quotes for quick rates.

Many companies are enrolled in a marketplace that allows shoppers to submit their information once, and each company then returns a price quote determined by their information. This saves time by eliminating form submissions for each company.

To access this free quoting program, click to open in new window.

The only downside to comparing rates this way is you cannot specify which companies to get pricing from. So if you want to choose from a list of companies to compare rates, we have a listing of low cost insurance companies in your area. Click here to view list.

Whichever way you use, make sure you use exactly the same coverage information for every company. If your comparisons have differing limits it will be next to impossible to find the best deal for your Nissan Pathfinder. Quoting even small variations in insurance coverages can result in a big premium difference. Keep in mind that getting more free quotes will improve the odds of getting a better price.

When might I need an agent?

When it comes to buying the best car insurance coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

For example, these questions might help in determining whether your personal situation would benefit from professional advice.

• Am I covered if I hit my neighbor’s mailbox?
• When should my teen driver be added to my policy?
• What if I owe more than I can insure my car for?
• Can I still get insurance after a DUI?
• Do I have coverage when using my vehicle for my home business?
• Is business property covered if stolen from my car?
• Will filing a claim cost me more?
• Why am I required to buy liability insurance?
• How high should my uninsured/underinsured coverage be in my state?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form.

Detailed coverages of your insurance policy

Having a good grasp of your policy helps when choosing the best coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Comprehensive protection – Comprehensive insurance pays for damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like falling objects, rock chips in glass, a tree branch falling on your vehicle and hail damage. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Uninsured or underinsured coverage – Your UM/UIM coverage provides protection when other motorists either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Nissan Pathfinder.

Because many people 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 important protection for you and your family. Most of the time these limits do not exceed the liability coverage limits.

Collision coverage – This coverage will pay to fix damage to your Pathfinder resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like hitting a mailbox, driving through your garage door, colliding with a tree and crashing into a ditch. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Another option is to raise the deductible to save money on collision insurance.

Auto liability – Liability coverage provides protection from injuries or damage you cause to other people or property by causing an accident. It protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Some companies may use a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as pain and suffering, structural damage, medical services and bail bonds. How much liability coverage do you need? That is your choice, but you should buy as high a limit as you can afford.

Medical expense coverage – Medical payments and Personal Injury Protection insurance pay for bills like prosthetic devices, ambulance fees, dental work, nursing services and EMT expenses. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover you and your occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage