2014 Nissan Pathfinder Insurance Quotes – 5 Ways to Save

Trying to find lower insurance coverage rates for your Nissan Pathfinder? Did you make the mistake of buying an overpriced insurance coverage policy? Don’t feel bad because many drivers feel the same as you.

Insurance companies such as Allstate, Progressive and GEICO continually bombard you with fancy advertisements and consumers find it hard to ignore the flashy ads and do the work needed to find the best deal.

It is always a good idea to compare prices on a regular basis since insurance prices are usually higher with each renewal. Even if you think you had the best deal for Pathfinder insurance two years ago you will most likely find a better rate quote today. Forget all the misinformation about insurance coverage because you’re about to learn the tricks you need to know to lower your annual insurance bill.

If you currently have a car insurance policy, you should be able to reduce your rates substantially using these tips. Buying car insurance is not rocket science. Although vehicle owners need to have an understanding of the way insurance companies compete online and take advantage of how the system works.

Cheaper rates by taking advantage of these five discounts

Companies do not list every disount available very well, so the below list has a few of the more common as well as the least known credits that you can use to lower your rates. If you don’t get every credit possible, you are paying more than you should be.

  • Active Service Discounts – Being on active duty in the military can result in better premium rates.
  • Waiver for an Accident – This one is not really a discount per se, but some companies like GEICO, State Farm, and Progressive may permit one accident without getting socked with a rate hike so long as you haven’t had any claims for a particular time prior to the accident.
  • Low Mileage – Driving fewer miles can earn cheaper rates.
  • Auto/Home Discount – If you combine your auto and homeowners policies with one company you could get a discount of up to 20% off your total premium.
  • Safe Drivers – Drivers who don’t get into accidents may save up to 50% more for Pathfinder insurance compared to rates paid by drivers with frequent claims.

Policy discounts save money, but some of the credits will not apply to the entire policy premium. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. So despite the fact that it appears it’s possible to get free car insurance, it just doesn’t work that way.

Auto insurance companies that possibly offer most of the discounts above include:

If you want low cost insurance coverage quotes, ask every prospective company which discounts they offer. Some discounts listed above might not be offered on policies everywhere. To choose providers with the best auto insurance discounts, follow this link.

Quote insurance online

The are a couple different ways of comparing price quotes from insurance companies in your area. One of the best ways to lower the rate you pay for Nissan Pathfinder insurance is to perform an online rate comparison. This is very easy and can be done by using one of the methods below.

  • The first (and easiest) way consumers can make multiple comparisons is to use a rate comparison form click to view form in new window. This method prevents you from having to do separate quotation requests for every company. One form compares rates from many national carriers.
  • A more time consuming way to get quotes online is to manually visit the website of each company and fill out their own quote form. For instance, let’s say you want to compare Progressive, 21st Century and American Family. You would have to spend time going to each site individually and repeatedly type in your coverage information, which is why most consumers use the first method.

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

It’s up to you how you get prices quotes, just make sure you use nearly identical coverage limits and deductibles with every price quote. If each company quotes unequal deductibles or liability limits you can’t possibly determine which company has the best rates. Quoting even small variations in coverage limits can result in a big premium difference. It’s important to know that comparing more quotes will improve the odds of getting better pricing. Some companies don’t provide rate quotes online, so it’s necessary to compare rates on coverage from those companies, too.

How much auto insurance do I need?

When choosing the right insurance coverage for your personal vehicles, there is no cookie cutter policy. Each situation is unique so this has to be addressed. For example, these questions can help discover if your insurance needs would benefit from professional advice.

  • Does having multiple vehicles earn me a discount?
  • What is the rate difference between pleasure use and commuting?
  • Should I buy additional glass protection?
  • Do I pay less for low miles?
  • Are my friends covered when driving my car?
  • Can my teen driver be rated on a liability-only vehicle?
  • What are the best liability limits?
  • What can I do if my company denied a claim?
  • Am I covered if I hit a deer?

If you can’t answer these questions then you might want to talk to an agent. To find an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area.

Car insurance coverages 101

Having a good grasp of a car insurance policy helps when choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Shown next are typical coverage types offered by car insurance companies.

Medical expense insurance – Coverage for medical payments and/or PIP provide coverage for immediate expenses for things like dental work, funeral costs, surgery and X-ray expenses. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers you and your occupants as well as if you are hit as a while walking down the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Protection from uninsured/underinsured drivers – This gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Nissan Pathfinder.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Collision coverage – This coverage will pay to fix damage to your Pathfinder from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like crashing into a building, colliding with another moving vehicle and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Coverage for liability – This coverage protects you from damages or injuries you inflict on other people or property. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for claims like structural damage, medical expenses, bail bonds and emergency aid. How much liability coverage do you need? That is up to you, but you should buy as large an amount as possible.

Comprehensive (Other than Collision) – Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like rock chips in glass, hitting a deer, vandalism, a tree branch falling on your vehicle and damage from getting keyed. The most you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

A tidy conclusion

When searching for the cheapest insurance coverage quotes, make sure you don’t skimp on critical coverages to save a buck or two. There are many occasions where drivers have reduced full coverage and found out when filing a claim that it was a big error on their part. The goal is to get the best coverage possible for the lowest cost, but do not skimp to save money.

The cheapest 2014 Nissan Pathfinder insurance can be found from both online companies and with local insurance agents, and you need to comparison shop both so you have a total pricing picture. Some insurance companies do not offer the ability to get quotes online and many times these small, regional companies sell through independent insurance agencies.

More detailed insurance information can be found at these sites: