1997 Nissan Pathfinder Insurance Rates

Want the cheapest car insurance rates for your Nissan Pathfinder? Sick and tired of being strong-armed to insure your Nissan every month? You’re in the same situation as many other drivers. Many insurance companies vie for your insurance dollar, so it’s not easy to compare every provider to discover the definitive lowest rate

If you are insured now or are looking for a new policy, you can use these tips to shop for the lowest rates and possibly find even better coverage. Finding affordable coverage is easy if you know what you’re doing. Drivers just need to know the proper way to compare company rates on the web.

How to Get Car Insurance Comparison Quotes

Finding lower car insurance rates can be quick and easy. Just take a few minutes comparing rate quotes online from several insurance companies. This can be accomplished in several different ways.

  1. One of the simplest ways to find low rates is an all-inclusive rate comparison like this one (opens in new window). This method eliminates the need for repetitive form submissions for every car insurance company. One simple form gets you price quotes from many national carriers.
  2. A more time consuming way to find lower rates requires visiting each company’s website to request a price quote. For instance, let’s assume you want to compare State Farm, GEICO and Farmers. To find out each rate you need to visit each site and enter your information, which is why the first method is more popular. For a handy list of car insurance company links in your area, click here.

Which method you use is up to you, but double check that you are using identical coverage information for every quote you compare. If each company quotes different deductibles it will be very difficult to determine the best price for your Nissan Pathfinder.

Discounts are basically free money

Insurance can cost an arm and a leg, but discounts can save money and there are some available that you may not know about. Certain discounts will be applied when you get a quote, but some may not be applied and must be inquired about prior to getting the savings. If you’re not getting every credit you qualify for, you’re just leaving money on the table.

  • Driver Safety – Completing a defensive driving course could cut 5% off your bill if you qualify.
  • Drive Less and Save – Low mileage vehicles can earn discounted rates on garaged vehicles.
  • Senior Citizens – Mature drivers can possibly qualify for better insurance coverage rates for Pathfinder insurance.
  • Sign Early and Save – A few companies offer discounts for buying a policy prior to your current policy expiration. It can save you around 10%.
  • Safe Driver Discount – Drivers who don’t get into accidents may save up to 50% more for Pathfinder insurance than less cautious drivers.
  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems help deter theft and earn discounts up to 10%.
  • Passive Restraints and Air Bags – Vehicles with factory air bags may earn rate discounts of 20% or more.
  • Pay Upfront and Save – If you pay your entire premium ahead of time instead of paying each month you may reduce your total bill.

It’s important to note that most discounts do not apply to all coverage premiums. Some only reduce specific coverage prices like medical payments or collision. Even though it may seem like all the discounts add up to a free policy, you’re out of luck. Any amount of discount will reduce your overall premium however.

Insurance companies who might offer these discounts may include but are not limited to:

It’s a good idea to ask all companies you are considering which discounts they offer. Discounts may not be available in every state.

Complexity of Nissan Pathfinder insurance rates

Smart consumers have a good feel for the rating factors that go into determining the price you pay for car insurance. Having a good understanding of what determines base rates helps enable you to make changes that can help you get big savings.

  • Bump up deductibles to save – The deductibles define the amount you are required to spend out-of-pocket if you file a covered claim. Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your car. Some instances where coverage would apply are running into the backend of another car, vandalism, and windstorm damage. The more you are required to pay out-of-pocket, the bigger discount you will receive for Pathfinder insurance.
  • Multi-policy discounts can save money – Many insurers provide better rates to policyholders who carry more than one policy. It’s known as a multi-policy discount. Discounts can amount to five, ten or even twenty percent. If you currently are using one company, you may still want to compare rates to make sure you are getting the best deal. You may still find better rates by buying car insurance from a different company.
  • Your job and insurance rates – Did you know that where you work can have an impact on rates? Occupations like judges, social workers and accountants have higher rates than average because of high stress levels and long work days. On the flip side, jobs such as actors, athletes and homemakers get better rates for Pathfinder insurance.
  • Do you know you’re credit rating? – Having a bad credit score is a huge factor in your rate calculation. Drivers with good credit tend to file fewer claims and have better driving records than those with lower ratings. If your credit score is low, you could potentially save money when insuring your 1997 Nissan Pathfinder by repairing your credit.
  • Theft deterrents lower rates – Driving a car with anti-theft technology or alarm system can help lower your rates. Anti-theft features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder your car from being stolen.
  • Lower miles equals lower premium – The more miles you rack up on your Nissan every year the higher your rate. Almost all companies apply a rate based upon how you use the vehicle. Autos left parked in the garage receive lower rates than those used for commuting. Make sure your car insurance policy shows how each vehicle is driven, because improper ratings can cost you money. If your policy improperly rates your Pathfinder may be wasting your money.
  • Don’t cancel a policy without a new one in place – Having an insurance coverage lapse is a sure-fire way to increase your car insurance rates. Not only will rates go up, getting caught without coverage will get you a hefty fine and possibly a revoked license.
  • With age comes lower rates – Teenage drivers have a tendency to get distracted easily behind the wheel so car insurance rates are higher. If you’ve ever had to add a teen driver to your car insurance policy can break the bank. Older drivers are more responsible, tend to file fewer claims and receive fewer citations.

Which insurance is the “right” coverage?

When choosing the right insurance coverage, there is no “perfect” insurance plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. For instance, these questions may help highlight if your insurance needs might need professional guidance.

  • I don’t drive much so do I pay less?
  • How much can I save by bundling my policies?
  • Is extra glass coverage worth it?
  • What is PIP insurance?
  • Are rock chip repairs covered?
  • How do I buy GAP insurance?
  • Why am I required to get a high-risk car insurance policy?
  • Does my personal policy cover me when driving out-of-state?
  • What should my uninsured motorist coverage limits be in my state?
  • Are rental cars covered under my policy?

If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

Do drivers who switch really save?

Consumers get pounded daily by advertisements for cheaper car insurance from the likes of Progressive, GEICO, Allstate and State Farm. They all have a common claim that you’ll save big if you move your coverage to them.

How does each company claim to save you money? It’s all in the numbers.

All companies have a preferred profile for the right customer that is profitable for them. A good example of a driver they prefer could possibly be a mature driver, has no tickets, and has a high credit rating. A customer who matches those parameters gets the lowest rates and therefore will pay quite a bit less when switching companies.

Consumers who are not a match for the requirements will be charged a more expensive rate which leads to the driver buying from a lower-cost company. The ads say “people who switch” not “everyone that quotes” save that kind of money. That is how insurance companies can confidently state the savings.

That is why it is so important to get a wide range of price quotes. Because you never know the company that will fit your personal profile best.

Auto insurance policy coverages for a Nissan Pathfinder

Learning about specific coverages of your auto insurance policy aids in choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and reading a policy is terribly boring. These are the usual coverages found on most auto insurance policies.

Collision coverage protection

This pays for damage to your Pathfinder from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like sideswiping another vehicle, scraping a guard rail, hitting a mailbox and rolling your car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to raise the deductible in order to get cheaper collision rates.

Auto liability insurance

This protects you from damages or injuries you inflict on other’s property or people by causing an accident. It protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/25 that translate to a $25,000 limit per person for injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for things such as bail bonds, medical services, funeral expenses and pain and suffering. The amount of liability coverage you purchase is up to you, but buy higher limits if possible.

UM/UIM Coverage

This coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Nissan Pathfinder.

Because many people carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Normally these limits are similar to your liability insurance amounts.

Medical costs insurance

Med pay and PIP coverage provide coverage for expenses for rehabilitation expenses, nursing services, EMT expenses and surgery. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants in addition to if you are hit as a while walking down the street. PIP is not an option in every state and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision

Comprehensive insurance covers damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like theft, rock chips in glass, hitting a deer and a broken windshield. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

In the end, you save

When shopping online for auto insurance, it’s a bad idea to skimp on critical coverages to save a buck or two. There are many occasions where someone sacrificed collision coverage only to discover later they didn’t have enough coverage. Your strategy should be to purchase plenty of coverage for the lowest price, not the least amount of coverage.

The cheapest 1997 Nissan Pathfinder insurance is available both online in addition to many insurance agents, and you should be comparing both to get a complete price analysis. Some companies do not provide online quoting and these small, regional companies work with independent agents.

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