How Much Does 2000 Nissan Pathfinder Insurance Cost?

Paying low cost coverage rates for Driversauto insurance might be hard for drivers who are beginners to comparison shopping online. With such a large number of companies, it can easily turn into a real difficult job to compare prices.

Smart consumers take time to price shop coverage every six months since insurance prices trend upward over time. Just because you found the best rates for Pathfinder coverage a couple years back a different company probably has better premium rates today. You can find a lot of wrong information about auto insurance online, but by reading this article, you’re going to learn some solid techniques on how to buy auto insurance cheaper.

The quickest method we recommend to compare rates utilizes the fact car insurance companies allow for online access to compare their rates. The only thing you need to do is provide a little information like if it has an anti-theft system, coverage limits, if you went to college, and whether the vehicles are used for commuting. That rating data gets sent immediately to many of the top insurers and they return quotes with very little delay.

Save money by taking advantage of discounts

Car insurance is not inexpensive, but you may be missing some discounts that you may not know about. Some discounts will apply when you get a quote, but occassionally some discounts must be asked about before being credited.

  • Good Student – Getting good grades may save you up to 25%. Earning this discount can benefit you well after school through age 25.
  • Multiple Vehicles – Purchasing coverage when you have several vehicles on one policy can reduce the rates for all insured vehicles.
  • Passenger Safety Discount – Factory air bags or automatic seat belts may get savings of 20% or more.
  • Paperless Signup – Certain insurance companies provide a small discount get auto insurance on their website.
  • Anti-lock Brakes – Cars and trucks with ABS braking systems or traction control can reduce accidents and qualify for as much as a 10% discount.
  • Accident Free – Claim-free drivers are rewarded with significantly better rates on auto insurance quote compared to drivers who are more careless.
  • Discounts for Federal Employees – Employees or retirees of the government could provide a small rate reduction for Pathfinder coverage with a few car insurance companies.
  • Multi-line Discount – Not every insurance company offers life insurance, but if they do you may earn better premium rates if you take out auto and life insurance together.

Discounts lower rates, but most discount credits are not given to all coverage premiums. A few only apply to individual premiums such as medical payments or collision. So when the math indicates you would end up receiving a 100% discount, that’s just not realistic.

Some of the larger companies that may include most of these discounts are:

It’s a good idea to ask all companies you are considering to apply every possible discount. Some of the earlier mentioned discounts may not be offered everywhere. To see a list of insurance companies who offer car insurance discounts, click here.

How much insurance coverage do I need?

When buying proper insurance coverage, there is no one size fits all plan. Everyone’s needs are different.

Here are some questions about coverages that may help you determine if your insurance needs might need an agent’s assistance.

  • Why is insurance for a teen driver so high?
  • Can I get a multi-policy discount?
  • Can I still get insurance after a DUI?
  • Does my personal policy cover me when driving out-of-state?
  • Should I carry comprehensive and collision coverage?
  • Is extra glass coverage worth it?
  • What vehicles should carry emergency assistance coverage?
  • What if I don’t agree with a claim settlement offer?
  • How many claims can I have before being cancelled?
  • Does insurance cover tools stolen from my truck?

If you don’t know the answers to these questions, then you may want to think about talking to an agent. To find an agent in your area, take a second and complete this form.

Parts of your car insurance policy

Having a good grasp of your car insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. Car insurance terms can be difficult to understand and coverage can change by endorsement.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP reimburse you for immediate expenses like ambulance fees, dental work, pain medications and surgery. They are utilized in addition to your health insurance policy or if you do not have health coverage. They cover both the driver and occupants and also covers getting struck while a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Auto liability

This can cover damages or injuries you inflict on a person or their property in an accident. It protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability insurance covers claims like bail bonds, legal defense fees and structural damage. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered claims include hospital bills for your injuries and damage to your Nissan Pathfinder.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Collision coverage protection

Collision coverage will pay to fix damage to your Pathfinder resulting from a collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as colliding with a tree, hitting a parking meter and sideswiping another vehicle. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like rock chips in glass, damage from flooding, vandalism, fire damage and a tree branch falling on your vehicle. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.