View 2008 Nissan Pathfinder Car Insurance Rates

Looking for cheaper insurance coverage rates for your Nissan Pathfinder? Finding cheaper insurance for a Nissan Pathfinder can normally be a lot of work, but you can follow these tips to make it easier.

There is a right way and a wrong way to compare insurance coverage rates and we’ll show you the best way to quote coverages for a Nissan and get the lowest price.

Do you qualify for discounts?

Auto insurance companies do not advertise every policy discount in an easy-to-find place, so the following list contains both the well known and the harder-to-find discounts that may be available. If you do not check that you are getting every discount you deserve, you’re paying more than you need to.

  • Save with More Vehicles Insured – Buying coverage for more than one vehicle on a single policy could earn a price break for each car.
  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems can avoid accidents and therefore earn up to a 10% discount.
  • Theft Deterent – Anti-theft and alarm system equipped vehicles can help prevent theft and earn discounts up to 10% off your insurance quote.
  • Homeowners Discount – Owning a home may earn you a small savings because maintaining a house demonstrates responsibility.
  • Bundle and Save – If you can bundle your homeowners and auto insurance and place coverage with the same company you could get a discount of 10% to 20% off each policy.
  • Discounts for Federal Employees – Employees or retirees of the government may qualify for a discount when you quote insurance on Pathfinder coverage with a few auto insurance companies.
  • Low Mileage – Low mileage vehicles could earn lower premium rates due to less chance of an accident.

While discounts sound great, it’s important to understand that many deductions do not apply to the overall cost of the policy. Most only reduce the cost of specific coverages such as comp or med pay. Despite the fact that it seems like all the discounts add up to a free policy, it just doesn’t work that way.

Large auto insurance companies and their offered discounts include:

  • 21st Century has savings for air bags, student driver, theft prevention, teen driver, early bird, automatic seat belts, and anti-lock brakes.
  • State Farm includes discounts for safe vehicle, Steer Clear safe driver discount, driver’s education, passive restraint, anti-theft, and defensive driving training.
  • AAA has discounts for multi-policy, AAA membership discount, education and occupation, pay-in-full, multi-car, anti-theft, and good student.
  • Liberty Mutual offers premium reductions for new vehicle discount, teen driver discount, new graduate, multi-car, and hybrid vehicle.
  • Progressive offers discounts for good student, online signing, multi-vehicle, homeowner, and online quote discount.

If you are trying to find cheap insurance quotes, ask all companies you are considering how many discounts you can get. Some credits may not apply to policies in every state. To view companies that offer some of these discounts, follow this link.

Choices you make can impact your insurance costs

Many things are taken into consideration when quoting car insurance. Some of the criteria are obvious such as traffic violations, but some are more obscure like where you live or your commute time.

  • Teenage drivers are expensive to insure – Older insureds are shown to be more cautious, file fewer claims and get fewer tickets.Beginning drivers are statistically shown to get distracted easily in a vehicle so they pay higher auto insurance rates.
  • Are you male or female? – Over time, data shows women are more cautious behind the wheel. The data does not necessarily mean that females are better drivers. Men and women cause accidents in similar percentages, but males tend to have more serious accidents. Men also tend to have more aggressive citations like driving under the influence (DUI). Teenage male drivers cause the most accidents and therefore have the most expensive auto insurance rates.
  • Get a ticket, pay higher prices – Being a careful driver has a lot to do with how much you pay for insurance. Even a single chargable violation can bump up the cost by as much as twenty percent. Good drivers get better prices as compared to those with violations. Drivers unfortunate enough to have flagrant violations like hit and run, DWI or reckless driving convictions are required to prove financial responsibility with their state motor vehicle department in order to drive a vehicle legally.
  • Being married brings a discount – Walking down the aisle may save some money on auto insurance. Marriage means you’re less irresponsible and statistics show drivers who are married file infrequent claims.

Don’t assume everyone needs the same auto insurance coverage

When buying coverage for your vehicles, there isn’t really a “perfect” insurance plan. Each situation is unique.

These are some specific questions can aid in determining if your situation would benefit from an agent’s advice.

  • Do I need rental car coverage?
  • How high should my medical payments coverage be?
  • Am I insured when driving a different vehicle?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Do all my vehicles need collision coverage?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Is my teen driver covered when they drive my company car?
  • Why am I required to buy high-risk coverage?

If you don’t know the answers to these questions then you might want to talk to a licensed agent. To find an agent in your area, simply complete this short form. It is quick, free and you can get the answers you need.

Can you really save that much by switching?

Consumers can’t get away from ads that claim the lowest premium rates by Progressive, GEICO, Allstate and State Farm. They all state the claim that drivers can save some big amount just by moving your policy.

How does every company claim to save you money? This is the trick they use.

All companies have specific criteria for the driver that earns them the highest profit. For instance, a profitable insured might be between the ages of 30 and 50, has never had a claim, and has a high credit rating. Anyone who meets those qualifications gets the lowest car insurance rates and therefore will save when they switch companies.

People who are not a match for those criteria may be forced to pay a more expensive rate which translates to the driver buying from a lower-cost company. If you listen closely, the ads state “drivers that switch” not “everyone who quotes” save that much. That’s the way insurance companies can confidently make it sound like they have such great premium rates.

This emphasizes why you really need to compare rate quotes every year. You cannot predict which insurance company will give you the biggest savings.

Coverages available on your car insurance policy

Learning about specific coverages of your car insurance policy helps when choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

Comprehensive coverages

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as a broken windshield, vandalism, theft and hail damage. The most you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability coverage

Liability coverage protects you from damages or injuries you inflict on other people or property in an accident. It protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 25/50/25 that means you have a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Another option is one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims like loss of income, funeral expenses, medical services, legal defense fees and bail bonds. How much liability should you purchase? That is up to you, but you should buy higher limits if possible.

Coverage for medical payments

Coverage for medical payments and/or PIP pay for expenses for nursing services, dental work, chiropractic care, surgery and pain medications. They can be utilized in addition to your health insurance plan or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision coverage

Collision coverage will pay to fix damage to your Pathfinder resulting from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like crashing into a ditch, colliding with another moving vehicle, sideswiping another vehicle, driving through your garage door and damaging your car on a curb. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to bring the cost down.

Uninsured and underinsured coverage

Your UM/UIM coverage provides protection when the “other guys” either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and damage to your Nissan Pathfinder.

Because many people 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 a good idea. Usually the UM/UIM limits do not exceed the liability coverage limits.

Compare but don’t skimp

As you shop your coverage around, it’s very important that you do not skimp on coverage in order to save money. There have been many cases where someone dropped uninsured motorist or liability limits and learned later that they should have had better coverage. Your goal should be to find the BEST coverage at the best possible price, but do not sacrifice coverage to save money.

You just learned some good ideas how you can compare 2008 Nissan Pathfinder insurance premium rates online. The key thing to remember is the more companies you get prices for, the higher the chance of saving money. Drivers may discover the best premium rates are with a smaller regional carrier.

Budget-conscious 2008 Nissan Pathfinder insurance is definitely available from both online companies as well as from insurance agents, and you need to price shop both in order to have the best chance of saving money. Some insurance providers don’t offer online rate quotes and usually these smaller companies sell through independent insurance agents.

More tips and info about insurance coverage can be found at these sites: