Compare 1998 Nissan Pathfinder Insurance Quotes

Searching for lower insurance rates for your Nissan Pathfinder? Perplexed by the dozens of insurance company choices? You’re not the only one! Drivers have so many options available that it can quickly become a real hassle to find lower rates.

You should make it a habit to get comparison quotes at least once a year because prices change regularly. Even if you got the best deal for Pathfinder insurance two years ago you will most likely find a better rate today. You’ll find quite a bit of inaccurate information about insurance online but we’re going to give you some guaranteed methods to find cheap insurance.

The purpose of this post is to tell you how car insurance quotes work and some tricks to saving. If you have car insurance now, you will be able to reduce your rates substantially using this strategy. But vehicle owners must know the way companies price online insurance and apply this information to your search.

Free Auto Insurance Quotes

All major auto insurance companies give pricing online. Getting online quotes doesn’t take a lot of time as you simply enter the coverage amounts you desire as requested by the quote form. After you submit the form their rating system pulls credit information and your driving record and returns pricing information.

This makes comparing rates easy, but the time it takes to visit several different sites and fill out multiple forms can be a bit repetitive. But it’s very important to compare as many rates as possible in order to get better prices.

A less time-consuming method to get multiple rate quotes makes use of a single form that gets prices from many companies. It’s a real time-saver, requires much less work on your part, and makes price shopping online much more efficient. As soon as you send your information, your coverage is rated with multiple companies and you can pick any or none of the returned quotes.

If a lower price is quoted, you simply finish the application and buy the new coverage. The whole process only takes a few minutes and may result in a nice savings.

To quickly find out how much you’re overpaying now, click here to open in new window and submit your coverage information. If you have a policy now, it’s recommended that you enter the coverages just like they are on your policy. This ensures you will receive a fair comparison based on similar coverages.

Drivers who switch save $443 a year? Really?

Insurance providers like Progressive, Allstate and GEICO consistently run ads on TV and radio. They all have a common claim about savings if you change your coverage to them. But how can every company make almost identical claims? It’s all in the numbers.

Insurance companies can use profiling for the driver that earns them a profit. For instance, a driver they prefer could possibly be over the age of 50, has no tickets, and has excellent credit. A customer who meets those qualifications will get the preferred rates and is almost guaranteed to save when switching.

Consumers who do not match the “perfect” profile will have to pay more money which leads to the customer not buying. The ads say “customers who switch” not “people who quote” save money. That is how insurance companies can confidently make the claims of big savings.

Because of the profiling, drivers should compare as many rates as you can. Because you never know which company will have the lowest Nissan Pathfinder insurance rates.

Factors that can influence Nissan Pathfinder insurance rates

An important part of buying insurance is that you know the rating factors that go into determining the rates you pay for auto insurance. Understanding what determines base rates allows you to make educated decisions that may reward you with better auto insurance rates.

Listed below are a few of the “ingredients” companies use to determine rates.

  • High credit ratings translate to low rates – Having a bad credit score is a huge factor in calculating your auto insurance rates. So if your credit rating is lower than you’d like, you could save money insuring your 1998 Nissan Pathfinder by spending a little time repairing your credit. Drivers with high credit ratings tend to file fewer claims and have better driving records as compared to drivers with poor credit.
  • Mature drivers pay less – Mature drivers are more cautious drivers, statistically cause fewer accidents and get fewer tickets. Young drivers tend to get distracted easily in a vehicle therefore auto insurance rates are much higher.
  • Your location affects your rates – Residing in a rural area can be a good thing when talking about auto insurance. Lower population means a lower chance of having an accident. City drivers have much more traffic to deal with and a longer drive to work. More time commuting means more change of being in an accident.
  • The more you drive the more you pay – The higher the mileage driven in a year the higher your rate. Most companies price each vehicle’s coverage based upon how you use the vehicle. Cars that are left in the garage qualify for better rates than those used for commuting. Verify your auto insurance declarations sheet shows the correct usage for each vehicle. If your policy improperly rates your Pathfinder can cost quite a bit.
  • A clean driving record saves money – Whether or not you get tickets impacts your car insurance rates tremendously. Only having one moving violation may increase your cost forty percent or more. Drivers with clean records get better rates than their less careful counterparts. Drivers with dangerous tickets like hit and run, DWI or reckless driving convictions are required to file a SR-22 with their state DMV in order to prevent a license revocation.
  • Bundling policies can get discounts – Most insurance companies will give a discount to people who carry more than one policy, otherwise known as a multi-policy discount. Even though this discount sounds good, it’s in your best interest to compare other company rates to make sure you are getting the best deal.
  • Do you work long hours in a high stress job? – Did you know that where you work can have an impact on rates? Careers like lawyers, architects and accountants have higher rates than average due to job stress and lots of time spent at work. On the flip side, jobs such as actors, athletes and homemakers get better rates for Pathfinder insurance.
  • Small claims can cost you – If you file claims often, you can pretty much guarantee either a policy non-renewal or much higher rates. Car insurance companies generally give better rates to policyholders who are claim-free. Auto insurance is meant to be used in the event of the large, substantial claims.

How much can you save with discounts?

The price of auto insurance can be rather high, but there could be available discounts to help bring down the price. Larger premium reductions will be automatically applied at the time you complete a quote, but less common discounts must be asked for prior to getting the savings.

  • Accident Free – Drivers with accident-free driving histories can save substantially when compared to accident-prone drivers.
  • Pay Upfront and Save – If paying your policy premium upfront instead of making monthly payments you may reduce your total bill.
  • Multiple Policy Discount – When you have multiple policies with one insurance company you may save 10% to 20% off each policy.
  • Discount for Swiching Early – Some insurance companies reward drivers for switching policies prior to your current policy expiration. The savings is around 10%.
  • Multiple Vehicles – Buying insurance for multiple vehicles on the same insurance coverage policy could earn a price break for each car.
  • Life Insurance – Select insurance companies reward you with a break if you buy life insurance.
  • Good Students Pay Less – Getting good grades can save 20 to 25%. The discount lasts up until you turn 25.
  • Discount for New Cars – Adding a new car to your policy is cheaper compared to insuring an older model.
  • Paperless Signup – Certain companies give back up to $50 for buying your policy on their website.
  • Drivers Education – Have your child complete a driver education course if it’s offered in school.

Drivers should understand that most discount credits are not given to all coverage premiums. Most cut the price of certain insurance coverages like medical payments or collision. So when the math indicates you would end up receiving a 100% discount, you’re out of luck. But any discount will help reduce the cost of coverage.

A partial list of companies that may have these discounts may include but are not limited to:

Check with each company what discounts are available to you. Some discounts may not be available in your area.

How much car insurance do I need?

When it comes to choosing coverage, there isn’t really a “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that could help you determine if your insurance needs will benefit from professional help.

  • When would I need rental car insurance?
  • Am I missing any policy discounts?
  • What is the ISO rating for a 1998 Nissan Pathfinder?
  • Is my dog or cat covered if injured in an accident?
  • Should I buy only the required minimum liability coverage?
  • Can I rate high risk drivers on liability-only vehicles?
  • Who is covered when they drive my 1998 Nissan Pathfinder?
  • Am I covered if I hit my neighbor’s mailbox?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed agent. To find an agent in your area, fill out this quick form.

Specific coverage details

Understanding the coverages of your policy can help you determine appropriate coverage and the correct deductibles and limits. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Collision coverage – This coverage pays for damage to your Pathfinder resulting from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as colliding with a tree, driving through your garage door, crashing into a building and rolling your car. This coverage can be expensive, so consider removing coverage from vehicles that are older. It’s also possible to choose a higher deductible to save money on collision insurance.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage provides protection when the “other guys” do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your 1998 Nissan Pathfinder.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Usually these limits are set the same as your liablity limits.

Auto liability insurance – Liability coverage protects you from damage or injury you incur to a person or their property that is your fault. It protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 100/300/100 that means you have a $100,000 limit per person for injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for claims like medical expenses, repair bills for other people’s vehicles and structural damage. The amount of liability coverage you purchase is your choice, but you should buy higher limits if possible.

Comprehensive (Other than Collision) – Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like falling objects, hail damage and theft. The maximum amount a auto insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical expense insurance – Medical payments and Personal Injury Protection insurance reimburse you for bills like X-ray expenses, EMT expenses, prosthetic devices and rehabilitation expenses. They are utilized in addition to your health insurance plan or if you are not covered by health insurance. They cover all vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Buy Smart and Save

Insureds who switch companies do it for many reasons like high rates after DUI convictions, lack of trust in their agent, poor customer service and not issuing a premium refund. Regardless of your reason, switching insurance companies is pretty easy and you might even save some money in the process.

Cost effective 1998 Nissan Pathfinder insurance can be sourced both online in addition to many insurance agents, so you should compare both to get a complete price analysis. Some insurance providers do not provide online quoting and these small, regional companies work with independent agents.

When buying insurance coverage, it’s very important that you do not buy poor coverage just to save money. In too many instances, someone dropped collision coverage and learned later that the savings was not a smart move. Your strategy should be to find the BEST coverage at the best price, not the least amount of coverage.

Additional learning opportunities