Compare Car Insurance Rates for a Nissan Pathfinder

Have you fallen victim to overpriced car insurance? Believe me when I say you’re not the only one.

Lots of insurance companies contend for your insurance dollar, so it can be very hard to choose a provider and uncover the absolute lowest rate

It’s a good idea to do rate comparisons at least once a year because prices are adjusted regularly by insurance companies. Just because you had the best price on Pathfinder coverage last year you may be paying too much now. So block out anything you think you know about car insurance because it’s time to teach you the proper way to save on car insurance.

Lesser-known factors impacting Nissan Pathfinder insurance rates

Consumers need to have an understanding of the rating factors that help determine the rates you pay for car insurance. When you know what positively or negatively determines base rates enables informed choices that can help you get much lower annual insurance costs.

• Traffic violations increase rates – Whether or not you get tickets has a huge affect on how much you pay. Only having one ticket may increase your cost twenty percent or more. Drivers with clean records receive lower rates than bad drivers. Drivers with serious tickets such as hit and run, DWI or reckless driving convictions are required to submit a SR-22 or proof of financial responsibility with their state DMV in order to continue driving.
• Car features impact rates – Choosing a vehicle with an alarm system can help lower your rates. Anti-theft features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart your vehicle from being stolen.
• Proper usage rating affects rates – Driving more miles each year the more you’ll pay to insure your vehicle. Almost all companies price each vehicle’s coverage based on how the vehicle is used. Cars left parked in the garage can get a lower rate compared to those used for work or business. Make sure your car insurance coverage shows the proper vehicle usage, because it can save money. Incorrect usage on your Pathfinder can cost quite a bit.
• Don’t cancel a policy without a new one in place – Driving without insurance can get your license suspended and your next policy will cost more because you let your coverage lapse. Not only will you pay more, getting caught without coverage may earn you a license revocation or jail time.You may then be required to provide proof of insurance in the form of an SR-22 filing with your state department of motor vehicles.

How to Compare Car Insurance

The are a couple different ways to get quotes and find the best price. The best method to find competitive Nissan Pathfinder insurance rates involves getting comparison quotes online. This is very easy and can be done in several different ways.

• The recommended way to find low rates is a comparison rater form like this one (opens in new window). This form eliminates the need for repetitive form submissions for each company. A single form compares rates instantly.
• Another way to analyze rates is to manually visit each company’s website to request a price quote. For examples sake, we’ll pretend you want rates from GEICO, 21st Century and Farmers. To get rate quotes you would need to spend time on each company’s site and enter your information, which is why most consumers use the first method.

  To view a list of companies in your area, click here.

It doesn’t matter which method you choose, just be sure to compare apples-to-apples coverages for every company. If you use different limits and deductibles on each one you will not be able to determine the lowest rate for your Nissan Pathfinder. Having just a slight variation in coverages can result in a big premium difference. It’s important to know that getting more free quotes helps you find a better price.

Save $444 a year? Really?

Car insurance providers like Progressive, GEICO, Allstate and State Farm consistently run ads in print and on television. They all make the same claim that you’ll save big if you change your policy. How do they all make almost identical claims?

Insurance companies are able to cherry pick for the driver that earns them a profit. For instance, a profitable customer might be profiled as between the ages of 40 and 55, a clean driving record, and drives newer vehicles. Any new insured that hits that “sweet spot” will get the preferred rates and is almost guaranteed to save when switching.

Potential insureds who do not match this ideal profile will be charged higher premiums which leads to the customer not buying. Company advertisements say “people who switch” but not “drivers who get quotes” save that much. That’s why insurance companies can confidently make those claims. That is why it’s extremely important to get as many quotes as possible. It’s just too difficult to predict which insurance companies will fit your personal profile best.

More discounts equal less premium

Auto insurance companies don’t always publicize all their discounts very well, so we took the time to find both the well known and the more hidden savings tricks you should be using.

• Theft Prevention System – Vehicles with anti-theft systems help deter theft and earn discounts up to 10%.
• Government Employees – Being employed by or retired from a federal job could cut as much as 10% off on Pathfinder coverage with select insurance companies.
• Discount for Swiching Early – A few companies offer discounts for switching to them before your current expiration date. The savings is around 10%.
• Anti-lock Brakes – Cars that have steering control and anti-lock brakes are safer to drive and earn discounts up to 10%.
• Save with a New Car – Putting insurance coverage on a new car can be considerably cheaper due to better safety requirements for new cars.
• Auto/Life Discount – Larger companies have a break if you buy life insurance from them.
• Multiple Policy Discount – When you have multiple policies with the same insurance company you could get a discount of at least 10% off all policies.
• Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to use a seat belt can save up to 15% off the personal injury premium cost.
• Drive Less and Save – Driving fewer miles could qualify for better rates on cars that stay parked.
• Homeowners Discount – Owning a home may earn you a small savings because owning a home is proof that your finances are in order.

Keep in mind that most discount credits are not given to your bottom line cost. Most only cut the price of certain insurance coverages like comprehensive or collision. So even though they make it sound like you would end up receiving a 100% discount, it doesn’t quite work that way.

For a list of insurance companies offering car insurance discounts, click here to view.

Better coverage you can count on

Budget-conscious Nissan Pathfinder insurance can be purchased on the web and also from your neighborhood agents, and you need to price shop both in order to have the best price selection to choose from. Some insurance providers may not provide the ability to get a quote online and most of the time these small, regional companies sell through independent agents.

We’ve covered a lot of information how to shop for Nissan Pathfinder insurance online. It’s most important to understand that the more companies you get rates for, the higher your chance of finding lower rates. You may even discover the best price on car insurance is with some of the smallest insurance companies. They can often provide lower rates in certain areas than the large multi-state companies such as Allstate or State Farm.