Lower Your 2014 Nissan Pathfinder Car Insurance Rates

When looking for lower-priced insurance, are you frustrated by the number of insurance coverage sources in your area? Many other drivers are as well. There are so many options that it can quickly become a difficult challenge to find lower prices.

These discounts can lower your insurance rates

Companies that sell car insurance do not list their entire list of discounts in a way that’s easy to find, so we researched some of the more common as well as the least known credits available to bring down your rates.

  • Save with a New Car – Adding a new car to your policy can get you a discount because newer vehicles are generally safer.
  • Mature Driver Discount – If you qualify as a senior citizen, you may qualify for lower premium rates on Pathfinder coverage.
  • Multi-line Discount – If the company offers life insurance, you could get a discounted price on car insurance if you buy some life insurance too.
  • Anti-lock Brake System – Cars with ABS and/or traction control have fewer accidents and therefore earn up to a 10% discount.
  • Multi-Vehicle Discounts – Buying coverage for multiple cars or trucks with the same company can reduce rates for all insured vehicles.

Just know that some credits don’t apply to all coverage premiums. Most cut individual premiums such as collision or personal injury protection. Even though it appears you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.

Companies and some of their more popular discounts are outlined below.

  • AAA policyholders can earn discounts including good driver, anti-theft, multi-car, education and occupation, multi-policy, good student, and pay-in-full.
  • Progressive offers premium reductions for multi-policy, online quote discount, continuous coverage, homeowner, good student, online signing, and multi-vehicle.
  • State Farm includes discounts for multiple autos, passive restraint, safe vehicle, defensive driving training, and accident-free.
  • Esurance offers discounts including homeowner, claim free, multi-car, online shopper, renters, and anti-lock brakes.
  • Nationwide discounts include defensive driving, business or organization, Farm Bureau membership, multi-policy, anti-theft, easy pay, and good student.

When quoting, ask each insurance company which discounts you may be entitled to. Some of the earlier mentioned discounts may not apply to policies in your area. If you would like to choose from a list of insurance companies that offer discounts, click here.

You can change your insurance prices

Smart consumers have a good feel for the different types of things that play a part in calculating your premiums. When you know what positively or negatively influences your rates, this enables you to make decisions that may reward you with lower auto insurance prices. Lots of things are part of the equation when you quote your car insurance policy. Most are fairly basic such as your driving record, although some other factors are more transparent like your continuous coverage or your vehicle rating.

The following are a few of the things utilized by car insurance companies to help set premiums.

  • Gender as a rate factor – Over the last 30 years, statistics show that females take fewer risks when driving. That doesn’t necessarily mean that women are better drivers. Both sexes cause accidents in similar percentages, but the males have accidents that have higher claims. Men also tend to have more aggressive citations such as driving while intoxicated (DWI) or driving recklessly. Young males generally have the highest accident percentage so it costs more to insure them.
  • Cheaper auto insurance rates using GPS tracking and theft deterrents – Owning a car with anti-theft technology or alarm system can get you a discount on your auto insurance. Advanced theft deterrents like OnStar, LoJack tracking, and tamper alarms all help prevent your car from being stolen.
  • Poor credit can mean higher premiums – Your credit history factor in determining what you pay. So if your credit leaves room for improvement, you could potentially save money when insuring your 2014 Nissan Pathfinder by taking the time to improve your credit score. Drivers who have excellent credit tend to be more responsible than drivers who have lower ratings.
  • Annual mileage and car insurance rates – The more you drive in a year the higher your rates will be. A lot of insurance companies charge to insure your cars based upon how the vehicle is primarily used. Autos used primarily for pleasure use can get a lower rate as compared to vehicles used primarily for driving to work. It’s always a good idea to double check that your auto insurance policy is showing the correct driver usage. An incorrectly rated Pathfinder may be costing you.
  • Rural vs Urban Areas – Having an address in small towns and rural areas has definite advantages if you are looking for the lowest rates. Less people living in that area translates into fewer accident claims. City drivers have to deal with more auto accidents and more severe claims. The longer drive time means more chance of being in an accident.
  • Marriage can save you money – Having a spouse may cut your premiums when shopping for auto insurance. It usually means you are more mature and responsible and insurance companies like that drivers who are married file infrequent claims.

Different people need different insurance coverage coverages

When it comes to choosing adequate coverage for your personal vehicles, there isn’t really a cookie cutter policy. Everyone’s situation is unique.

For example, these questions may help you determine whether you would benefit from professional advice.

  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Are rock chip repairs covered?
  • Do I have coverage if my license is suspended?
  • How does medical payments coverage work?
  • Can I make deliveries for my home business?
  • Does coverage extend to a rental car in a foreign country?
  • How can I get high-risk coverage after a DUI?
  • What can I do if my company denied a claim?

If you can’t answer these questions but a few of them apply then you might want to talk to an agent. If you don’t have a local agent, complete this form.

Car insurance coverages for a 2014 Nissan Pathfinder

Knowing the specifics of your auto insurance policy can help you determine which coverages you need and proper limits and deductibles. Policy terminology can be confusing and nobody wants to actually read their policy.

Liability

This coverage will cover damages or injuries you inflict on a person or their property in an accident. It protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 100/300/100 that means you have $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability can pay for things such as funeral expenses, court costs, structural damage and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but consider buying as high a limit as you can afford.

Collision protection

This coverage covers damage to your Pathfinder resulting from a collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like colliding with a tree, hitting a parking meter, hitting a mailbox and damaging your car on a curb. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to increase the deductible to save money on collision insurance.

Comprehensive coverages

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like vandalism, hail damage, falling objects and a broken windshield. The maximum amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Coverage for medical payments

Med pay and PIP coverage pay for short-term medical expenses like X-ray expenses, pain medications and chiropractic care. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants and will also cover being hit by a car walking across the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and also any damage incurred to your Nissan Pathfinder.

Since 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.

Shop around and save

A few companies may not have the ability to get quotes online small, regional companies only sell through independent insurance agents. Budget-conscious 2014 Nissan Pathfinder insurance is definitely available both online and also from your neighborhood agents, so you should compare both to have the best selection.

Consumers who switch companies do it for a variety of reasons including questionable increases in premium, unfair underwriting practices, poor customer service or even policy non-renewal. Whatever your reason, finding a new company is not as difficult as it may seem.

In this article, we presented many tips how you can get a better price on 2014 Nissan Pathfinder insurance. The key thing to remember is the more providers you compare, the better your comparison will be. Drivers may discover the best rates are with the least-expected company.

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