How Much Does 1991 Nissan Pathfinder Car Insurance Cost?

Cutting costs on Driversinsurance coverage is challenging for drivers who are new to comparison shopping online. Drivers have so many options available that it can quickly become a difficult challenge to find better prices.

It’s a great practice to get comparison quotes before your next renewal since prices go up and down regularly. Just because you found the lowest price on Pathfinder insurance a year ago a different company probably has better rates today. You can find a lot of information about insurance coverage on the web, but you can learn some great ideas on how to reduce your insurance coverage bill.

Finding the best rates is easy if you know what you’re doing. Essentially anyone who is shopping for insurance stands a good chance to be able to find better rates. But vehicle owners need to learn the way companies price insurance differently and take advantage of how the system works.

More affordable rates by taking advantage of discounts

Companies that sell car insurance don’t necessarily list all available discounts very well, so here is a list some of the best known and the harder-to-find discounts that you may qualify for.

  • Claim Free – Insureds who avoid accidents and claims can earn big discounts compared to drivers with a long claim history.
  • Multi-Vehicle Discounts – Buying insurance for primary and secondary vehicles with one company can reduce the rates for all insured vehicles.
  • Distant Student – Youth drivers who are enrolled in a college that is more than 100 miles from home and do not have access to a covered vehicle could get you a discount.
  • Life Insurance Discount – Select insurance companies reward you with a discounted premium rate on car insurance if you buy life insurance.
  • ABS Braking Discount – Cars that have anti-lock braking systems are safer to drive so you can save 10 percent or more.
  • Senior Citizen Rates – Drivers that qualify as senior citizens can possibly qualify for a small decrease in premiums on Pathfinder insurance.
  • Low Miles Discount – Low mileage vehicles can earn cheaper insurancerates.
  • Multiple Policy Discount – If you can bundle your auto and homeowners insurance with one insurance company you may save up to 20% off your total premium.
  • Good Student – Maintaining excellent grades may save you up to 25%. Many companies even apply the discount to college students until age 25.
  • Seat Belts Save more than Lives – Drivers who require all occupants to use their safety belts can save up to 15% on the medical payments or PIP coverage costs.

Don’t be shocked that most discount credits are not given to your bottom line cost. Most only cut individual premiums such as medical payments or collision. Just because it seems like all those discounts means the company will pay you, companies don’t profit that way. But any discount will definitely lower the amount you have to pay.

A few of the larger companies and the discounts they provide can be read below.

  • State Farm offers premium reductions for multiple policy, Steer Clear safe driver discount, good driver, anti-theft, multiple autos, and driver’s education.
  • Progressive offers discounts for online signing, multi-policy, continuous coverage, homeowner, online quote discount, and good student.
  • Travelers policyholders can earn discounts including payment discounts, home ownership, good student, continuous insurance, and student away at school.
  • American Family may have discounts that include mySafetyValet, early bird, good student, bundled insurance, multi-vehicle, and accident-free.
  • Liberty Mutual may offer discounts for new vehicle discount, preferred payment discount, new graduate, good student, safety features, newly retired, and exclusive group savings.

If you need lower rates, check with each insurance company to give you their best rates. Some discounts might not be offered in your area. To find companies that provide some of the discounts listed above, click this link.

Which car insurance is cheapest?

To get cheaper car insurance quotes, there a variety of ways to compare quotes from car insurance companies in your area. By far the easiest way to find the cheapest Nissan Pathfinder insurance rates is to perform an online rate comparison. This is very easy and can be done by using one of the methods below.

  1. The first (and easiest) way to get quotes would be an industry-wide quote request form like this one (opens in new window). This type of form prevents you from having to do separate quotes for every car insurance company. One form gets rate comparisons from multiple companies. It’s definitely the quickest method.
  2. A different way to find better pricing is going to each individual company website and get a separate price quote. For instance, we’ll pretend you want to compare prices for Liberty Mutual, Esurance and American Family. In order to get each rate, you would have to visit each site to input your insurance information, which is why the first method is more popular.

    For a list of links to companies insuring cars in your area, click here.

  3. The last method to find and compare rates is physically going to and from local insurance agencies. Quoting and buying insurance online has made agencies unnecessary unless you have a need for the professional advice that only a licensed agent can provide. Drivers can obtain prices from the web but have your policy serviced through an agent.

How you compare quotes is your choice, just make sure you compare apples-to-apples coverages on every quote. If you are comparing mixed coverages it’s not possible to make a fair comparison for your Nissan Pathfinder. Slightly different insurance coverages or limits could mean much higher rates. It’s important to know that comparing more company’s prices increases the change that you will find better pricing.

Insurance price influencing factors

Lots of factors are used when quoting car insurance. Some of the criteria are obvious such as your driving record, but other factors are less apparent like your vehicle usage or how financially stable you are.Smart consumers have a good feel for the rating factors that play a part in calculating the price you pay for insurance. If you have a feel for what determines premiums, this allows you to make educated decisions that can earn you lower premium levels.

  • Adjust comp and collision deductibles and save – Your deductibles represent how much money you are willing to pay out-of-pocket if a covered claim is submitted. Insurance for physical damage to your car, also called ‘full coverage’, insures against damage to your car. Some instances where coverage would apply could be colliding with a stationary object, fire damage, and having a roll-over accident. The more of the claim you are required to pay out-of-pocket, the less your insurance will be on Pathfinder insurance.
  • Higher insurance rates for policy lapses – Allowing your insurance policy to lapse is a sure-fire way to increase your rates. Not only will you pay more, getting caught without coverage could result in fines and jail time.
  • Safer vehicles are cheaper to insure – Cars with high safety ratings are cheaper to insure. Safer cars have better occupant injury protection and lower rates of occupant injuries translates into savings for insurance companies which can result in lower premiums.
  • Lower insurance rates with alarms and GPS tracking – Selecting a car model that has an advanced theft prevention system can help lower your premiums. Theft prevention features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent auto theft and help lower rates.

How much insurance do I need?

When choosing the best insurance coverage for your vehicles, there is no single plan that fits everyone. Everyone’s situation is a little different.

These are some specific questions can help discover if your insurance needs could use an agent’s help.

  • Do I have coverage when pulling a U-Haul trailer?
  • Are rock chip repairs covered?
  • Am I covered when driving a rental car?
  • Does my 1991 Nissan Pathfinder need full coverage?
  • Do I need PIP coverage since I have good health insurance?
  • What discounts do I qualify for?
  • Is my state a no-fault state?
  • Do I need replacement cost coverage?
  • How can I get my company to pay me more for my totalled car?
  • Does insurance cover tools stolen from my truck?

If you can’t answer these questions, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, fill out this quick form.

Buyer beware of car insurance advertising tricks

Companies like 21st Century, Allstate and State Farm seem to constantly run ads in print and on television. They all seem to make the point that drivers will save a bundle if you move your car insurance coverage to their company. It sounds good, but how can they all make almost identical claims? Here is how they do it.

All the different companies look for specific characteristics for the type of driver they prefer to insure. An example of a profitable customer may be between the ages of 30 and 45, owns a home, and drives a safe vehicle. Any new insured who fits that profile will most likely get cheap rates and will also save if they switch.

Drivers who are not a match for these standards may be forced to pay a higher premium which leads to the customer buying from a different company. The ads say “people that switch” not “all people who quote” save that kind of money. That is how insurance companies can lure you into getting a quote. Because of these techniques, you need to compare price quotes frequently. Because without a comparison, you cannot know which car insurance company will have the best rates for your profile.

Coverages available on your auto insurance policy

Learning about specific coverages of auto insurance can help you determine the best coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Liability coverages

This can cover injuries or damage you cause to other’s property or people in an accident. It protects YOU against other people’s claims. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability insurance covers things like attorney fees, repair costs for stationary objects, medical services and funeral expenses. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries and also any damage incurred to your Nissan Pathfinder.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Collision insurance

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

Collision insurance covers things such as crashing into a ditch, sustaining damage from a pot hole and hitting a mailbox. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Another option is to raise the deductible in order to get cheaper collision rates.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance kick in for immediate expenses like X-ray expenses, EMT expenses and prosthetic devices. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants in addition to any family member struck as a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive coverages

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as damage from flooding, hitting a deer and falling objects. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Shop Smart and Save

As you go through the steps to switch your coverage, it’s very important that you do not reduce needed coverages to save money. In many instances, an accident victim reduced liability limits or collision coverage and learned later they didn’t purchase enough coverage. Your strategy should be to buy enough coverage at a price you can afford and still be able to protect your assets.

There are still a few companies who do not offer the ability to get a quote online and many times these small insurance companies work with local independent agencies. Cost effective 1991 Nissan Pathfinder insurance can be found on the web and also from your neighborhood agents, and you should compare rates from both to have the best rate selection.

Insureds change insurance companies for a number of reasons such as high rates after DUI convictions, unfair underwriting practices, an unsatisfactory settlement offer or being labeled a high risk driver. It doesn’t matter what your reason, finding a new insurance company is easier than you think.

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