2002 Nissan Pathfinder Insurance Quotes – 8 Savings Tips

Scraping up a payment for overpriced Nissan Pathfinder insurance can overdraw your savings account and put the squeeze on your family’s finances. Comparing price quotes is a great way to lower your monthly bill.

Drivers have multiple car insurance companies to purchase coverage from, and though it is a good thing to have multiple companies, it can be more difficult to compare company pricing.

Insurance Comparison Rates

When shopping for insurance there are multiple ways to get quotes from local insurance companies. The easiest way by far to find competitive 2002 Nissan Pathfinder insurance rates is to get quotes online. This can be done in several different ways.

  1. One of the simplest ways to get quotes for comparison is a comparison rater form click here to open form in new window. This form eliminates the need for repetitive form entry to each individual insurance company. A single, simple form will return price quotes instantly.
  2. A more difficult way to shop for insurance online requires a trip to each company’s website to request a price quote. For sake of this example, let’s assume you want to compare rates from GEICO, Esurance and American Family. To find out each rate you need to go to every website to input your insurance information, and that’s why the first method is more popular. For a list of links to companies insuring cars in your area, click here.
  3. The least recommended way of getting rate comparisons is driving around to and from local insurance agencies. Shopping for insurance online eliminates the need for an insurance agent unless you want the trained guidance of a licensed agent. It is possible to find lower rates online but still have the advice of a local agent and we’ll touch on that later.

However you get your quotes, ensure you are comparing exactly the same coverage limits with each company. If the quotes have different liability limits it’s not possible to find the best deal for your Nissan Pathfinder. Slightly different limits could mean much higher rates. And when comparison shopping, comparing a large number of companies provides better odds of finding a lower rate.

How to reduce Nissan Pathfinder insurance rates

Insuring your fleet can be pricey, but there could be available discounts to reduce the price significantly. A few discounts will automatically apply when you complete an application, but some may not be applied and must be asked about before you will receive the discount.

  • Service Members Pay Less – Being deployed with a military unit could be rewarded with lower premiums.
  • Homeowners Discount – Being a homeowner may trigger a insurance coverage policy discount due to the fact that maintaining a home requires personal responsibility.
  • Multi-car Discount – Having more than one vehicle with the same company may reduce the rate for each vehicle.
  • Pay Upfront and Save – If paying your policy premium upfront instead of paying each month you could save up to 5%.
  • New Car Discount – Putting insurance coverage on a new car can cost up to 25% less due to better safety requirements for new cars.
  • Drive Safe and Save – Safe drivers can pay as much as 50% less on Pathfinder insurance than less cautious drivers.
  • Accident Waiver – Some insurance companies will allow you to have one accident without raising rates if your claims history is clear prior to the accident.
  • Defensive Driving Course – Completing a course in driver safety could cut 5% off your bill and easily recoup the cost of the course.

A little note about advertised discounts, most discount credits are not given to the entire cost. Some only reduce the cost of specific coverages such as liability, collision or medical payments. Just because it seems like adding up those discounts means a free policy, it doesn’t quite work that way. But any discount will bring down your overall premium however.

Insurance companies that may offer some of the above discounts may include but are not limited to:

Before buying, ask every prospective company which discounts you may be entitled to. Some discounts might not be offered in your state.

Tailor your coverage to you

When it comes to choosing adequate coverage for your vehicles, there really is not a one size fits all plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that These are some specific questions might point out whether you might need professional guidance.

  • Is my Nissan Pathfinder covered if I use it for business?
  • How much can I save by bundling my policies?
  • Am I covered when pulling a rental trailer?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Am I covered if I crash into my own garage door?
  • Who is covered when they drive my 2002 Nissan Pathfinder?
  • When should I drop full coverage on my 2002 Nissan Pathfinder?
  • Does my car insurance cover rental cars?

If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area.

Car insurance coverage information

Understanding the coverages of your policy can help you determine appropriate coverage and proper limits and deductibles. Policy terminology can be impossible to understand and nobody wants to actually read their policy. These are the normal coverages found on the average auto insurance policy.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like rock chips in glass, hitting a deer and hail damage. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability auto insurance

Liability coverage protects you from injuries or damage you cause to other people or property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 100/300/100 which means a $100,000 limit per person for injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability can pay for claims such as medical expenses, court costs and pain and suffering. How much coverage you buy is a personal decision, but you should buy higher limits if possible.

Insurance for medical payments

Coverage for medical payments and/or PIP provide coverage for immediate expenses such as rehabilitation expenses, doctor visits and dental work. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. It covers both the driver and occupants and will also cover getting struck while a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

This coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Normally these coverages are identical to your policy’s liability coverage.

Collision protection

This coverage covers damage to your Pathfinder resulting from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like hitting a mailbox, driving through your garage door, backing into a parked car, crashing into a ditch and hitting a parking meter. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

A fool and his money are soon parted

In this article, we presented some good ideas how you can shop for 2002 Nissan Pathfinder insurance online. The key concept to understand is the more you quote, the better your comparison will be. Consumers may even find the lowest rates come from a company that doesn’t do a lot of advertising. Some small companies may cover specific market segments cheaper as compared to the big name companies such as Progressive or GEICO.

When trying to cut insurance costs, do not buy lower coverage limits just to save a few bucks. There are a lot of situations where an accident victim reduced comprehensive coverage or liability limits only to discover later that it was a big mistake. Your aim should be to get the best coverage possible at a price you can afford while not skimping on critical coverages.

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