Compare 2000 Nissan Pathfinder Insurance Quotes

Looking for lower car insurance rates for your Nissan Pathfinder? Overwhelmed by the number of car insurance company choices? You have a lot of company. Drivers have so many choices that it can quickly become a challenge to locate the lowest price.

The purpose of this post is to familiarize you with how to get online quotes and some money-saving tips. If you currently have a car insurance policy, you should be able to reduce your rates substantially using these techniques. But drivers need to learn how big insurance companies price online insurance because it can help you find the best coverage.

Save money by taking advantage of these discounts

Properly insuring your vehicles can get expensive, but you can get discounts that can drop the cost substantially. Larger premium reductions will be automatically applied at the time of quoting, but lesser-known reductions have to be manually applied before you get the savings.

  • Own a Home – Simply owning a home may trigger a car insurance policy discount because owning a home shows financial diligence.
  • Discount for Swiching Early – A few companies offer discounts for switching to them before your current expiration date. The savings is around 10%.
  • Multi-policy Discount – When you have multiple policies with the same insurance company you could get a discount of approximately 10% to 15%.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Nissan can earn discounted rates on garaged vehicles.
  • Organization Discounts – Participating in a qualifying organization is a good way to get lower rates when shopping for car insurance on Pathfinder coverage.
  • Student in College – Kids in college who are attending college and don’t have a car may be able to be covered for less.

As a disclaimer on discounts, many deductions do not apply to all coverage premiums. The majority will only reduce specific coverage prices like liability and collision coverage. So when the math indicates it’s possible to get free car insurance, companies don’t profit that way. Any amount of discount will cut the cost of coverage.

Insurance companies who might offer some of the above discounts include:

Check with each company how you can save money. Some discounts might not apply in every state.

Low Cost Insurance Coverage

The are a couple different ways to compare rate quotes from insurance coverage companies in your area. The quickest method to find the lowest 2000 Nissan Pathfinder rates consists of obtaining rate quotes online. This can be done in a couple of different ways.

The easiest and least time consuming way to compare a lot of rates at once is to use a rate comparison form like this one (opens in new window). This easy form prevents you from having to do multiple quote forms to each individual insurance coverage company. One form submission will return quotes from multiple low-cost companies.It’s the quickest way to get rates.

A different way to obtain and compare quotes online is spending the time to visit each individual company website and request a quote. For example, we’ll pretend you want to compare rates from Farmers, Allstate and Geico. To find out each rate you need to go to every website and enter your policy data, which is why the first method is quicker. For a handy list of car insurance company links in your area, click here.

The hardest method to compare rates is to waste gas driving to insurance agents’ offices. Shopping for insurance coverage online has reduced the need for local agents unless you prefer the professional advice only provided by licensed agents. It is possible to obtain prices from the web and get advice from an agent in your area. We’ll cover that shortly.

Whichever way you use, make absolute certain that you use identical information with each company. If you compare different values for each quote you will not be able to decipher which rate is best. Just a small difference in coverage limits can mean a large discrepancy in price. Keep in mind that quoting more will improve the odds of getting better pricing.

Impacting insurance rates for a Nissan Pathfinder

It’s important that you understand some of the elements that play a part in calculating car insurance rates. Knowing what determines base rates allows you to make educated decisions that could result in much lower annual insurance costs.

Shown below are some of the items companies use to determine premiums.

  • Do you work long hours in a high stress job? – Did you know that where you work can have an impact on rates? Careers like lawyers, social workers and accountants tend to pay higher rates than average attributed to high stress levels and lots of time spent at work. On the flip side, occupations such as actors, athletes and performers have the lowest average rates on Pathfinder coverage.
  • Males pay more for insurance – Statistics have proven women are more cautious behind the wheel. That doesn’t necessarily mean that men are WORSE drivers than women. They both are in accidents at about the same rate, but the males cause more damage. They also get more serious tickets such as DWI and reckless driving. Male drivers age 16 to 19 are several times more likely to be in an accident and therefore have the most expensive car insurance rates.
  • Do you need the policy add-ons? – There are many add-on coverages you can purchase on your 2000 Pathfinder policy. Coverages for rental car reimbursement, better glass coverage and term life insurance may be wasting your money. They may seem like a good idea when talking to your agent, but if they’re wasting money eliminate them to save money.
  • Pay less if you’re married – Having a wife or husband actually saves money when buying car insurance. Marriage translates into being more mature than a single person and statistics show married drivers get in fewer accidents.
  • Safer cars are cheaper to insure – Vehicles with high crash test scores can get you lower premiums. Safer cars have better occupant injury protection and fewer injuries translates into savings for insurance companies passed on to you as lower rates. If your Nissan has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you may qualify for a discount.

When should I use an insurance agent?

When choosing coverage for your vehicles, there is no perfect coverage plan. Your needs are not the same as everyone else’s.

These are some specific questions could help you determine whether or not you could use an agent’s help.

  • Where can I find DUI or SR-22 insurance?
  • Should I drop comprehensive coverage on older vehicles?
  • How much liability coverage do I need in my state?
  • Can I rent a car in Mexico?
  • How much underlying liability do I need for an umbrella policy?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Do I need to file an SR-22 for a DUI in my state?
  • Can I still get insurance after a DUI?

If you’re not sure about those questions but a few of them apply, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, simply complete this short form.

Specific coverages for a 2000 Nissan Pathfinder

Learning about specific coverages of a car insurance policy helps when choosing which coverages you need for your vehicles. Car insurance terms can be ambiguous and coverage can change by endorsement.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as a tree branch falling on your vehicle, hail damage and theft. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Auto collision coverage

This coverage will pay to fix damage to your Pathfinder caused by collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things like scraping a guard rail, hitting a parking meter, rolling your car and backing into a parked car. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. It’s also possible to increase the deductible to get cheaper collision coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your 2000 Nissan Pathfinder.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Normally these limits are similar to your liability insurance amounts.

Auto liability

Liability coverage will cover injuries or damage you cause to other people or property that is your fault. It protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 50/100/50 which stand for $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Some companies may use one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.

Liability can pay for claims such as loss of income, funeral expenses, pain and suffering, legal defense fees and bail bonds. How much liability coverage do you need? That is a personal decision, but you should buy as much as you can afford.

Insurance for medical payments

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses like hospital visits, EMT expenses and prosthetic devices. They can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. They cover you and your occupants and also covers getting struck while a pedestrian. PIP is not available in all states and may carry a deductible

A penny saved is a penny earned

Discount 2000 Nissan Pathfinder insurance is possible from both online companies as well as from independent agents, and you need to comparison shop both in order to have the best price selection to choose from. There are still a few companies who don’t offer online quoting and many times these small, regional companies only sell through independent insurance agents.

Insureds leave their current company for a number of reasons such as an unsatisfactory settlement offer, high prices, policy cancellation and high rates after DUI convictions. It doesn’t matter what your reason, choosing a new company is less work than it seems.

You just learned quite a bit of information on how to compare insurance prices online. The key thing to remember is the more providers you compare, the better chance you’ll have of finding lower rates. Consumers could even find that the best price on auto insurance is with the least-expected company.

More tips and info about auto insurance is available by following these links: