2001 Nissan Pathfinder Insurance Cost – 8 Tips to Save

No one looks forward to paying for car insurance, in particular when they are paying too much. Because you have many options, it can be hard to pick the most cost effective insurance company.

Finding affordable coverage is easy if you know what you’re doing. If you currently have a car insurance policy, you stand a good chance to be able to lower your premiums substantially using this information. Consumers just need to know the tricks to compare company rates on the web.

Compare the Market for Car Insurance

Finding lower car insurance rates isn’t really that difficult. You just need to invest a few minutes to compare quotes provided by online insurance companies. This can be done in several different ways.

  1. Probably the best way to find low rates is a comparison rater form click to view form in new window. This form eliminates the need for separate quote forms for every car insurance company. In just a few minutes this one form compares rates from all major companies.
  2. A harder way to analyze rates consists of visiting each individual company website to request a price quote. For examples sake, let’s say you want to compare Liberty Mutual, Farmers and GMAC. To get rate quotes you would need to take the time to go to each site and enter your policy data, which is why most consumers use the first method.

    To view a list of companies in your area, click here.

  3. The least efficient method to get comparison rates is to waste gas driving to insurance agents’ offices. The ability to buy insurance online can eliminate the need for a local agent unless you have a need for the professional advice of a local agent. You can, however, price shop your coverage online but buy from a local insurance agent and you’ll learn how to do that later.

Which method you use is up to you, but make sure you use exactly the same coverage information on every quote. If each company quotes different limits and deductibles on each one it’s not possible to truly determine the lowest rate.

Can you really save that much by switching?

Consumers constantly see and hear ads for the lowest price auto insurance from the likes of State Farm, Allstate and Geico. All the companies make an identical promise that you’ll save big if you move your coverage to them.

How can each company claim to save you money? This is how they do it.

Different companies have a preferred profile for the type of driver that makes them money. For instance, a desirable insured might be profiled as over the age of 40, a clean driving record, and chooses high deductibles. A customer who matches those parameters will get very good rates and as a result will probably pay quite a bit less when switching companies.

Drivers who don’t measure up to the requirements will be charged higher rates and ends up with the driver buying from a lower-cost company. The ads say “drivers who switch” not “people who quote” save that much money. That’s the way insurance companies can confidently state the savings. That is why it’s extremely important to get as many quotes as possible. It’s not possible to predict which car insurance company will provide you with the cheapest Nissan Pathfinder insurance rates.

Cut your premium with these eight discounts

Companies do not list every discount in a way that’s easy to find, so the following is a list of both the well known and the more hidden discounts you could be receiving. If you aren’t receiving every discount available, you are throwing money away.

  • Passive Restraints – Factory air bags can get savings up to 30%.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in high school.
  • Drive Safe and Save – Drivers who avoid accidents may receive a discount up to 45% less on Pathfinder insurance than drivers with accident claims.
  • Seat Belt Usage – Buckling up and requiring all passengers to buckle their seat belts can save up to 15% off your PIP or medical payments premium.
  • Multiple Cars – Insuring all your vehicles on the same insurance policy could earn a price break for each car.
  • No Accidents – Drivers with accident-free driving histories pay much less as compared to accident-prone drivers.
  • Accident Waiver – A few companies allow you one accident before hitting you with a surcharge as long as you don’t have any claims for a certain period of time.
  • Resident Student – Any of your kids who are attending college without a vehicle on campus can receive lower rates.

As a disclaimer on discounts, many deductions do not apply to your bottom line cost. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. So despite the fact that it appears all those discounts means the company will pay you, it just doesn’t work that way.

Companies that possibly offer these benefits include:

Before buying, ask all companies you are considering which discounts you may be entitled to. All car insurance discounts may not apply everywhere.

What is the best insurance coverage?

When buying the best car insurance coverage for your personal vehicles, there is no perfect coverage plan. Every situation is different and a cookie cutter policy won’t apply. For example, these questions could help you determine whether or not you would benefit from an agent’s advice.

  • Do I need roadside assistance coverage?
  • Should I buy more coverage than the required minimum liability coverage?
  • Should I put collision coverage on all my vehicles?
  • Is my camper covered by my car insurance policy?
  • Does my policy cover me when driving someone else’s vehicle?
  • Is my teenager covered with friends in the car?
  • When can I cancel my policy?
  • What if I owe more than I can insure my car for?

If you can’t answer these questions but one or more may apply to you then you might want to talk to an agent. To find an agent in your area, take a second and complete this form or click here for a list of car insurance companies in your area. It is quick, free and can help protect your family.

Educate yourself about insurance coverages

Having a good grasp of a insurance policy can help you determine appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be confusing and coverage can change by endorsement. Listed below are typical coverage types found on most insurance policies.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Nissan Pathfinder.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Coverage for liability

This will cover injuries or damage you cause to other people or property. It protects you against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 100/300/100 which stand for a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers claims such as funeral expenses, structural damage, attorney fees, repair bills for other people’s vehicles and court costs. The amount of liability coverage you purchase is up to you, but buy as large an amount as possible.

Coverage for collisions

This pays for damage to your Pathfinder from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims like rolling your car, colliding with another moving vehicle and scraping a guard rail. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. You can also bump up the deductible to bring the cost down.

Comprehensive protection

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like damage from a tornado or hurricane, theft, hitting a deer and vandalism. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Medical expense coverage

Med pay and PIP coverage provide coverage for short-term medical expenses for things like funeral costs, prosthetic devices, nursing services, EMT expenses and ambulance fees. They can be used in conjunction with a health insurance program or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants as well as if you are hit as a while walking down the street. PIP is not available in all states and may carry a deductible

Make a quick buck

While you’re price shopping online, it’s not a good idea to buy lower coverage limits just to save a few bucks. There have been many cases where an accident victim reduced liability coverage limits only to discover later they didn’t purchase enough coverage. Your aim should be to purchase a proper amount of coverage at a price you can afford while not skimping on critical coverages.

Budget-conscious 2001 Nissan Pathfinder insurance can be bought online and with local insurance agents, and you need to price shop both in order to have the best chance of saving money. Some companies do not offer the ability to get a quote online and many times these smaller companies only sell through independent insurance agents.

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