2002 Nissan Pathfinder Car Insurance Rates – 9 Savings Tips

I can’t think of anyone who cherishes buying insurance, especially when they are paying too much.

Multiple insurers compete for your business, and it can be difficult to compare rates and get the definite best rate

If you currently have a car insurance policy, you will be able to reduce your rates substantially using these methods. Choosing the best insurance company for you is quite easy. Nevertheless, vehicle owners can benefit by having an understanding of how big insurance companies market on the web.

How to Get Insurance

Shopping for lower insurance rates can be challenging if you aren’t aware of the easiest way. You can waste a few hours (or days) talking to agents in your area, or you could use online quotes to get rates in a matter of minutes.

Many insurance companies take part in a program that enables customers to send in one quote, and every company can give them a price for coverage. This eliminates the need for quote forms to each individual insurance company.

To find out what other companies charge for 2002 Nissan Pathfinder insurance click here to open in new window.

The single downside to comparing rates this way is that you can’t choose the insurers you want pricing from. If you prefer to choose specific providers to receive pricing from, we have assembled a list of low cost insurance companies in your area. View list of insurance companies.

Whichever way you use, compare identical deductibles and coverage limits for every company. If you are comparing differing limits you will not be able to determine which rate is truly the best. Slightly different coverage limits may cause a big price difference. Just keep in mind that having more price comparisons provides better odds of finding the best offered rates.

Discounts can save BIG

Companies that sell car insurance do not advertise all their discounts very well, so here is a list both well-publicized and also the lesser-known ways to save on auto insurance.

  • Claim Free – Drivers with accident-free driving histories pay less when compared with drivers who are more careless.
  • Discount for Good Grades – This discount can be rewarded with saving of up to 25%. This discount can apply up until you turn 25.
  • Use Seat Belts – Using a seat belt and requiring all passengers to use their safety belts can save up to 15% off your medical payments premium.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes can reduce accidents and qualify for as much as a 10% discount.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Nissan could qualify for a substantially lower rate.
  • Senior Discount – Mature drivers can possibly qualify for reduced rates on Pathfinder coverage.
  • Distant Student – Any of your kids who are attending college and do not have a car can be insured at a reduced rate.
  • Life Insurance – Companies who offer life insurance give a break if you buy auto and life insurance together.
  • Anti-theft System – Cars that have factory anti-theft systems help deter theft and qualify for as much as a 10% discount.

Keep in mind that most discounts do not apply to your bottom line cost. The majority will only reduce specific coverage prices like liability, collision or medical payments. Just because you may think it’s possible to get free car insurance, companies wouldn’t make money that way.

A partial list of companies that may offer these benefits include:

Before buying, ask all companies you are considering what discounts are available to you. Discounts might not be offered in every state.

Will just any policy work for me?

When it comes to buying adequate coverage, there really is not a cookie cutter policy. Everyone’s situation is a little different so your insurance needs to address that. Here are some questions about coverages that might point out if your situation would benefit from an agent’s advice.

  • How much underlying liability do I need for an umbrella policy?
  • Is my 2002 Nissan Pathfinder covered for flood damage?
  • When should I remove comp and collision on my 2002 Nissan Pathfinder?
  • Is my ex-spouse still covered by my policy?
  • How many claims can I have before being cancelled?
  • Does my policy cover my teen driver if they drive my company car?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies.

Auto insurance coverage information

Learning about specific coverages of your policy aids in choosing the right coverages for your vehicles. The terms used in a policy can be confusing and coverage can change by endorsement. Below you’ll find the usual coverages available from auto insurance companies.

Coverage for medical payments

Coverage for medical payments and/or PIP pay for expenses such as hospital visits, nursing services, EMT expenses and doctor visits. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your 2002 Nissan Pathfinder.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Collision protection

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

Collision coverage protects against things such as crashing into a ditch, crashing into a building and scraping a guard rail. This coverage can be expensive, so consider dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

Comprehensive coverages

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

Comprehensive can pay for things such as theft, a broken windshield and damage from flooding. The most you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability coverage

Liability coverage can cover damage or injury you incur to other people or property that is your fault. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability insurance covers claims like structural damage, loss of income and medical services. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Saving money is sweet as honey

We just covered many tips how you can compare 2002 Nissan Pathfinder insurance prices online. It’s most important to understand that the more rate quotes you have, the better likelihood of reducing your rate. You may be surprised to find that the lowest premiums are with some of the lesser-known companies. Smaller companies can often insure niche markets at a lower cost than their larger competitors like GEICO and State Farm.

When buying insurance coverage, never reduce coverage to reduce premium. There are a lot of situations where an accident victim reduced liability limits or collision coverage only to find out that the small savings ended up costing them much more. The ultimate goal is to buy the best coverage you can find at a price you can afford.

Low-cost insurance is definitely available from both online companies and with local insurance agents, and you should be comparing both to have the best selection. Some insurance companies do not offer online price quotes and usually these small, regional companies provide coverage only through local independent agents.

Additional insurance information is located below: