How Much Does 2003 Nissan Pathfinder Car Insurance Cost?

Searching for cheaper auto insurance rates for your Nissan Pathfinder? Beginners to price shopping insurance online could find purchasing the lowest-priced auto insurance is more work than they anticipated.

It’s a great practice to do rate comparisons yearly because insurance rates change quite often. Even if you got the best rates on Pathfinder insurance on your last policy there is a good chance you can find better rates now. There is too much inaccurate information about auto insurance online but we’re going to give you some excellent ideas to reduce your auto insurance bill.

What determines your Nissan Pathfinder insurance premium

An important part of buying insurance is that you know some of the elements that help determine insurance rates. When you know what positively or negatively impacts premium levels empowers consumers to make smart changes that will entitle you to lower insurance prices.

The following are some of the factors used by your company to calculate prices.

  • High numbers of claims are not good – Companies award better rates to insureds who do not rely on their insurance for small claims. If you tend to file frequent claims, you can pretty much guarantee higher rates. Insurance coverage is designed for major claims that would cause financial hardship.
  • Liability coverage is peace of mind – The liability section of your policy provides coverage in the event that a court rules you are at fault for damages caused by your negligence. It provides legal defense coverage which can cost thousands of dollars. Liability is cheap compared to insuring for physical damage coverage, so buy as much as you can afford.
  • A clean driving record saves money – Only having one ticket can bump up the cost by twenty percent. Drivers who don’t get tickets get better rates compared to drivers with tickets. Drivers with flagrant tickets such as DUI or reckless driving are required to submit a SR-22 form with the DMV in their state in order to keep their license.
  • Are you male or female? – Statistics demonstrate women tend to be less risk to insure than men. Now that doesn’t mean women are BETTER drivers than men. Women and men have accidents in similar numbers, but the men tend to have more serious accidents. Men also statistically have more aggressive citations like reckless driving and DUI.
  • Bundling policies can get discounts – Some insurance companies provide better rates to people who consolidate policies with them such as combining an auto and homeowners policy. Discounts can be ten or even up to twenty percent in some cases. Even with this discount, it’s still a good idea to comparison shop to make sure you are getting the best deal. Drivers may still find better rates by splitting coverages up.
  • Special features that cut premiums – Driving a car with a theft deterrent system can help lower your rates. Theft prevention devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder your vehicle from being stolen.
  • How your age affects price – Mature drivers tend to be more responsible, tend to cause fewer accidents and are safer drivers. Teen drivers tend to be careless and easily distracted in a vehicle therefore insurance rates are much higher.

Save with discounts on Nissan Pathfinder insurance

Companies don’t always list every available discount very clearly, so here is a list both well-publicized as well as the least known ways to save on insurance.

  • Anti-theft System – Cars that have factory anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
  • Government Employees – Being employed by or retired from a federal job may qualify you for a discount on Pathfinder insurance with a few insurance companies.
  • Drive Safe and Save – Insureds without accidents can pay as much as 50% less on Pathfinder insurance than drivers with accident claims.
  • Good Students Pay Less – Performing well in school can earn a discount of 20% or more. Earning this discount can benefit you up to age 25.
  • Auto/Life Discount – Larger companies have better rates if you take out auto and life insurance together.
  • Homeowners Discount – Owning a home can save you money because owning a home requires personal responsibility.
  • New Car Discount – Insuring a new car can be considerably cheaper due to better safety requirements for new cars.
  • Organization Discounts – Being a member of certain professional organizations could trigger savings when shopping for insurance on Pathfinder insurance.

Drivers should understand that many deductions do not apply to the entire policy premium. Most only reduce the cost of specific coverages such as liability and collision coverage. Just because you may think you could get a free insurance policy, you’re out of luck.

For a list of insurers with discount insurance rates, click here.

Don’t listen to company ads

Car insurance providers like State Farm, Geico and Progressive constantly bombard you with ads on TV and radio. They all have a common claim of big savings if you switch your policy. How does each company make almost identical claims?

All the different companies have a preferred profile for the right customer that earns them a profit. An example of a profitable customer might be profiled as between the ages of 40 and 55, insures multiple vehicles, and drives less than 10,000 miles a year. A propective insured who meets those qualifications will qualify for the lowest rates and as a result will probably save quite a bit of money when switching.

Potential insureds who fall outside this ideal profile will be quoted more money which usually ends up with business not being written. Company advertisements say “people who switch” not “people who quote” save that much money. That’s why companies can truthfully claim big savings. This emphasizes why drivers must get quotes from several different companies. It is impossible to predict which car insurance company will fit your personal profile best.

Tailor your coverage to you

When choosing the right insurance coverage for your vehicles, there is no single plan that fits everyone. Everyone’s situation is unique.

These are some specific questions might help in determining whether you might need professional guidance.

  • How can I find cheaper teen driver insurance?
  • How can I get my company to pay me more for my totalled car?
  • Do I really need UM/UIM coverage?
  • Does my policy cover my teen driver if they drive my company car?
  • Why am I required to buy liability insurance?
  • Do I need roadside assistance coverage?
  • Should I carry comprehensive and collision coverage?

If you don’t know the answers to these questions, then you may want to think about talking to an insurance agent. To find an agent in your area, fill out this quick form.

Car insurance 101

Having a good grasp of your policy can help you determine which coverages you need and proper limits and deductibles. Policy terminology can be impossible to understand and coverage can change by endorsement.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as hitting a bird, damage from a tornado or hurricane, damage from getting keyed and hitting a deer. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Liability coverage

This protects you from damage or injury you incur to other’s property or people by causing an accident. This insurance protects YOU against claims from other people. Liability 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. You commonly see liability limits of 100/300/100 that translate to a limit of $100,000 per injured person, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers claims like emergency aid, court costs, bail bonds, repair bills for other people’s vehicles and medical expenses. How much coverage you buy is your choice, but consider buying as large an amount as possible.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your 2003 Nissan Pathfinder.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Insurance for medical payments

Coverage for medical payments and/or PIP kick in for immediate expenses for things like EMT expenses, pain medications and chiropractic care. They are often utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants as well as getting struck while a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

Collision coverage

This 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 your collision coverage will kick in.

Collision coverage pays for things such as crashing into a ditch, scraping a guard rail and driving through your garage door. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible to get cheaper collision coverage.

More choices the merrier

You just learned some good ideas how to lower your 2003 Nissan Pathfinder insurance rates. The most important thing to understand is the more rate comparisons you have, the higher your chance of finding lower rates. You may even find the lowest priced insurance comes from a small local company.

While you’re price shopping online, it’s a bad idea to buy poor coverage just to save money. There are a lot of situations where someone sacrificed liability coverage limits and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your goal should be to buy a smart amount of coverage at a price you can afford.

People switch companies for a number of reasons such as delays in responding to claim requests, delays in paying claims, unfair underwriting practices or being labeled a high risk driver. Regardless of your reason, switching insurance companies is actually quite simple.

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