2014 Nissan Pathfinder Car Insurance Quotes – 8 Tips for Cheaper Rates

Want lower auto insurance rates for your Nissan Pathfinder? Are you overwhelmed by the dozens of auto insurance choices? You’re not the only one! Drivers have so many options that it can easily become a real challenge to find lower rates.

Cut your insurance coverage rates with these eight discounts

Companies offering auto insurance don’t always list all available discounts very clearly, so we researched both well-publicized and the harder-to-find insurance coverage savings.

  • Passive Restraint Discount – Factory air bags and/or automatic seat belt systems can get savings up to 30%.
  • Early Switch Discount – Select companies give a discount for buying a policy before your current policy expires. It’s a savings of about 10%.
  • Life Insurance Discount – Select insurance companies reward you with lower rates if you buy life insurance.
  • Payment Discounts – If you pay your bill all at once instead of paying each month you could save 5% or more.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in high school.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to buckle their seat belts can save up to 15% off the personal injury premium cost.
  • Save with a New Car – Putting insurance coverage on a new car can save up to 30% compared to insuring an older model.
  • No Claims – Drivers who don’t have accidents pay much less when compared with frequent claim filers.

Drivers should understand that some of the credits will not apply to all coverage premiums. Most cut specific coverage prices like collision or personal injury protection. So when the math indicates you could get a free insurance coverage policy, you won’t be that lucky.

To see a list of providers with the best insurance coverage discounts, click here to view.

You are unique and your auto insurance should be too

When it comes to buying coverage, there isn’t really a single plan that fits everyone. Everyone’s needs are different.

For instance, these questions might point out whether your personal situation would benefit from professional advice.

  • Can my teen driver be rated on a liability-only vehicle?
  • Can I make deliveries for my home business?
  • When should I drop full coverage on my 2014 Nissan Pathfinder?
  • Do all my vehicles need collision coverage?
  • At what point should I drop full coverage?
  • Why am I required to get a high-risk car insurance policy?
  • Am I covered if I hit my neighbor’s mailbox?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you don’t have a local agent, simply complete this short form.

Coverages available on your car insurance policy

Having a good grasp of a car insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and reading a policy is terribly boring.

Liability coverage

Liability insurance protects you from damage or injury you incur to other’s property or people that is your fault. This coverage protects you from claims by other people, and does not provide coverage for 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. You commonly see limits of 25/50/25 that translate to a $25,000 limit per person for injuries, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability insurance covers claims like emergency aid, legal defense fees, repair bills for other people’s vehicles and court costs. How much liability should you purchase? That is a personal decision, but consider buying higher limits if possible.

Collision coverage protection

Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as sustaining damage from a pot hole, scraping a guard rail and backing into a parked car. This coverage can be expensive, so consider dropping it from lower value vehicles. Another option is to bump up the deductible to bring the cost down.

Comprehensive car insurance

Comprehensive insurance 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 can pay for things such as fire damage, a tree branch falling on your vehicle, rock chips in glass, hitting a bird and damage from flooding. The highest amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance kick in for expenses like pain medications, rehabilitation expenses, prosthetic devices and nursing services. They are often utilized in addition to your health insurance program or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Coverage for uninsured or underinsured drivers

This protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your Nissan Pathfinder.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Quote more. Save more.

We’ve covered a lot of information how to reduce 2014 Nissan Pathfinder insurance prices online. The key thing to remember is the more you quote, the better likelihood of reducing your rate. You may be surprised to find that the lowest rates come from the smaller companies.

Discount insurance can be purchased both online as well as from independent agents, so you should be comparing quotes from both to get a complete price analysis. Some auto insurance companies don’t offer online quoting and most of the time these small, regional companies sell through independent agents.

When trying to cut insurance costs, you should never buy lower coverage limits just to save a few bucks. In many instances, an insured cut liability limits or collision coverage only to regret at claim time that the savings was not a smart move. The aim is to purchase plenty of coverage for the lowest price while still protecting your assets.

More detailed auto insurance information is available at these sites: