Lower Your 1996 Nissan Pathfinder Insurance Rates

Searching for the cheapest auto insurance rates for your Nissan Pathfinder? Locating the cheapest insurance for a Nissan Pathfinder can normally be an all-consuming task, but you can learn our auto insurance buying tips and make it easy. There are more efficient ways to find auto insurance online so you’re going to learn the proper way to price shop coverage for your Nissan and get the lowest possible price from both online companies and local agents.

You need to get comparison quotes occasionally because auto insurance prices change quite often. If you had the lowest price on Pathfinder coverage a couple years back a different company probably has better rates today. There are a lot of ways to save on auto insurance on the internet, but in this article, you’re going to get some solid techniques on how to stop overpaying for insurance.

Finding affordable coverage is easy if you know what you’re doing. If you are insured now or are shopping for new coverage, you can follow these tips to shop for the lowest rates while maintaining coverages. Drivers only need to know the most efficient way to shop their coverage around online.

How to get low cost car insurance

Getting a cheaper price on 1996 Nissan Pathfinder insurance doesn’t have to be difficult. The only thing you need to do is take time to compare free auto insurance quotes to find the company with cheap auto insurance quotes. Price comparisons can be done in several different ways.

  • The simplest way consumers can analyze rates is a comparison rater form click to view form in new window. This quick form prevents you from having to do separate quotation requests for each company you want a rate for. A single, simple form gets you coverage quotes from several companies. It’s the fastest way to compare.
  • Another way to find lower rates requires visiting the website for every company you want to comare to complete their respective quote request forms. For examples sake, let’s say you want to view quotes from Progressive, Allstate and American Family. You would have to visit each site and punch in your information repeatedly, which explains why we recommend starting with the first method.

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

  • The final way to get price estimates is to spend time driving to all the different insurance agencies. Buying insurance online makes this unnecessary unless you want the trained advice that can only be provided by a licensed insurance agent. If you prefer, some companies allow you to comparison shop online but buy from a local insurance agent.

It’s up to you which method you use, but do your best to use exactly the same quote information with each company. If you are comparing different limits and deductibles on each one you can’t possibly determine the best price for your Nissan Pathfinder.

Save a ton by taking advantage of discounts

Companies offering auto insurance don’t necessarily list the entire discount list very well, so the following is a list of both well-publicized and the more hidden credits available to you.

  • Life Insurance – Select insurance carriers reward you with a break if you buy some life insurance in addition to your auto policy.
  • Theft Deterent System – Cars with anti-theft systems prevent vehicle theft and can earn a small discount on your policy.
  • No Charge for an Accident – This isn’t a discount exactly, but companies like Liberty Mutual and Geico allow you one accident before your rates go up so long as you haven’t had any claims prior to being involved in the accident.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time rather than paying monthly you may reduce your total bill.
  • Discount for Swiching Early – A few insurance coverage companies offer discounts for signing up before your current policy expires. You can save around 10% with this discount.
  • ABS Braking Discount – Vehicles equipped with ABS or steering control are much safer to drive and therefore earn up to a 10% discount.
  • Telematics Data Discounts – Insureds that choose to allow data collection to scrutinize driving patterns through the use of a telematics system such as State Farm’s In-Drive may get a rate reduction if they are good drivers.
  • Service Members Pay Less – Having an actively deployed family member could trigger a small discount.
  • Seat Belts Save – Buckling up and requiring all passengers to wear their seat belts may be able to save a few bucks on medical payment and PIP coverage.
  • Passenger Safety Discount – Vehicles equipped with air bags may earn rate discounts of 20% or more.

Keep in mind that many deductions do not apply the the whole policy. Some only apply to the price of certain insurance coverages like liability and collision coverage. Even though it may seem like it’s possible to get free car insurance, companies wouldn’t make money that way.

The best insurance coverage companies and their possible discounts are outlined below.

  • State Farm has discounts for multiple policy, multiple autos, Drive Safe & Save, driver’s education, good driver, and accident-free.
  • Geico offers premium reductions for good student, driver training, daytime running lights, five-year accident-free, and anti-lock brakes.
  • Progressive may have discounts that include multi-vehicle, multi-policy, good student, online quote discount, and continuous coverage.
  • 21st Century policyholders can earn discounts including driver training, homeowners, theft prevention, teen driver, and 55 and older.
  • American Family may include discounts for good driver, bundled insurance, good student, accident-free, mySafetyValet, multi-vehicle, and TimeAway discount.
  • The Hartford may offer discounts for air bag, anti-theft, bundle, good student, vehicle fuel type, and driver training.
  • AAA offers discounts for education and occupation, AAA membership discount, good student, pay-in-full, multi-policy, and good driver.

If you want low cost auto insurance quotes, ask each company to apply every possible discount. Savings might not apply in every state. To locate companies that provide some of the discounts listed above, follow this link.

How much insurance coverage do I need?

When buying adequate coverage, there really is no perfect coverage plan. Each situation is unique.

Here are some questions about coverages that can help discover whether you could use an agent’s help.

  • Why am I required to get a high-risk car insurance policy?
  • Are there companies who specialize in insuring high-risk drivers?
  • What vehicles should carry emergency assistance coverage?
  • Who is covered when they drive my 1996 Nissan Pathfinder?
  • Do I have coverage for damage caused while driving under the influence?
  • I have a DUI can I still get coverage?
  • What if I owe more than I can insure my car for?
  • Is my cargo covered for damage or theft?

If you don’t know the answers to these questions, you might consider talking to an agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Choices you make can impact your insurance costs

When buying car insurance it’s important to understand the rating factors that aid in calculating the rates you pay for car insurance. If you know what determines premiums, this empowers consumers to make smart changes that can earn you big savings.

  • Where do you drive? – The more you drive in a year the more it will cost to insure it. Most insurance companies calculate rates based on their usage. Cars that do not get driven very much can get a lower rate compared to those used for work or business. An improperly rated Pathfinder may be wasting your money. It’s a good idea to make sure your car insurance policy reflects the correct driver usage.
  • Alarms and GPS tracking lower rates – Selecting a car model with advanced anti-theft systems can get you a discount on your car insurance. Theft deterrent systems like OnStar, LoJack tracking, and tamper alarms help track and prevent your vehicle from being stolen.
  • Good drivers pay better prices – Drivers who don’t get tickets receive lower rates as compared to those with violations. Only having one ticket may cause rates to rise twenty percent or more. Drivers unfortunate enough to have dangerous tickets like DUI or willful reckless driving may find that they have to to submit a SR-22 form with their state in order to keep their license.
  • More people means more accidents – Living in less populated areas has it’s advantages when insuring your vehicles. People who live in big cities have more auto accidents and a longer drive to work. Fewer drivers and short commutes means fewer accidents and a lower car theft rate.
  • Keep car insurance claims to a minimum – If you are the type of insured that files lots of claims you can expect either policy cancellation or increased premiums. Insurance companies provide the best rates to people that do not abuse their auto insurance. Auto insurance is intended for the bigger claims that can’t be paid out-of-pocket.
  • Gender and insurance – Statistics demonstrate women are more cautious behind the wheel. However, don’t assume that females are better drivers. Men and women cause fender benders at a similar rate, but the men get into accidents with more damage. They also get higher numbers of serious violations like driving under the influence (DUI). Teenage male drivers are most likely to cause an accident and are penalized with high car insurance rates.
  • Remove unneeded add-on coverages – There are a ton of additional coverages that you can get tricked into buying when buying car insurance. Insurance for replacement cost coverage, towing coverage, and membership fees are some examples. These coverages may sound good at first, but if you have no use for them remove them from your policy.

Does insurance coverage advertising bend the truth?

Consumers can’t ignore all the ads for the lowest price insurance coverage by companies like Progressive, Geico, Allstate and State Farm. They all state the claim that you can save if you move your policy.

But how can every company make the same claim? This is how they do it.

All the different companies have a certain “appetite” for the type of customer that earns them the most money. An example of this type of risk profile may need to be over the age of 35, has a clean driving record, and has a high credit rating. Anybody who matches those parameters will get low rates and will save quite a bit of money when switching.

Consumers who cannot meet the ideal profile may be forced to pay more expensive rates which results in the customer not purchasing. The ads say “people who switch” but not “everyone who gets a quote” save money. That is how companies can make claims like that. This really illustrates why it is so important to compare free auto insurance quotes often. Because without a comparison, you cannot know which insurance companies will give you lower rates than your current company.

Insurance coverages 101

Learning about specific coverages of insurance aids in choosing appropriate coverage for your vehicles. Policy terminology can be ambiguous and coverage can change by endorsement.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance reimburse you for bills like dental work, prosthetic devices, rehabilitation expenses and nursing services. They are used in conjunction with a health insurance policy or if you do not have health coverage. It covers you and your occupants and also covers being hit by a car walking across the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist coverage

This provides protection 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.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Collision insurance

This coverage covers damage to your Pathfinder from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things such as damaging your car on a curb, sideswiping another vehicle and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Another option is to raise the deductible to bring the cost down.

Auto liability insurance

Liability coverage provides protection from injuries or damage you cause to other people or property that is your fault. It protects YOU from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for things such as medical expenses, attorney fees, bail bonds and repair costs for stationary objects. How much coverage you buy is your choice, but consider buying as much as you can afford.

Comprehensive coverage

This will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as rock chips in glass, hitting a deer and fire damage. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Save for a rainy day

Drivers change insurance companies for a number of reasons such as delays in responding to claim requests, policy cancellation, denial of a claim and unfair underwriting practices. No matter why you want to switch, switching companies can be less work than you think.

As you shop your coverage around, it’s not a good idea to skimp on coverage in order to save money. There are too many instances where consumers will sacrifice uninsured motorist or liability limits and learned later that the small savings ended up costing them much more. Your goal is to buy the best coverage you can find at the best price, but don’t skip important coverages to save money.

Cheaper auto insurance can be purchased online as well as from independent agents, and you need to comparison shop both to have the best selection. Some insurance companies may not have rates over the internet and most of the time these small, regional companies work with independent insurance agents.

More tips and info about auto insurance can be read by following these links: