2008 Nissan Pathfinder Insurance Quotes

Searching for better insurance coverage rates for your Nissan Pathfinder? Overpriced Nissan Pathfinder insurance can overdraw your checking account and make it impossible to make ends meet. Doing a price comparison is a great way to tighten up your finances. Lots of auto insurance companies contend to insure your vehicles, so it’s not easy to compare every provider and get the best coverage at the lowest rate

Auto Insurance Quote Comparison

There are several ways you can shop for Nissan Pathfinder auto insurance and some are easier and takes less work. You can spend your afternoon talking about coverages with insurance agencies in your area, or you could use the web to get the quickest rates.

All the larger companies participate in a marketplace where insurance shoppers enter their coverage request one time, and every company can provide price quotes based on the submitted data. This prevents consumers from doing quotation requests for every auto insurance company.

To fill out one form to compare multiple rates now click here to start a free quote.

The one downside to pricing coverage this way is that consumers can’t choose which insurance companies to get pricing from. If you would rather choose individual companies to compare rates, we have a page of auto insurance companies in your area. Click here for list of insurance companies.

It’s your choice how you get your quotes, but ensure you’re using apples-to-apples coverages and limits for each price quote. If the quotes have differing limits it will be impossible to determine which rate is truly the best.

Best discounts on Nissan Pathfinder coverage

Companies do not advertise every available discount in a way that’s easy to find, so we took the time to find both well-publicized and the harder-to-find savings tricks you should be using. If you aren’t receiving every discount possible, you are throwing money away.

  • Sign Early and Save – Some insurance companies reward drivers for signing up prior to your current policy expiring. It can save you around 10%.
  • Driver’s Ed – Require your teen driver to take driver’s ed class if it’s offered in school.
  • New Vehicle Savings – Adding a new car to your policy is cheaper because new vehicles have to meet stringent safety requirements.
  • Anti-theft Discount – Anti-theft and alarm systems are stolen less frequently and earn discounts up to 10%.
  • Resident Student – Kids in college who attend school more than 100 miles from home without a vehicle on campus may be able to be covered for less.
  • Auto/Life Discount – Some companies give a break if you buy a life insurance policy as well.
  • Accident Waiver – Certain companies permit an accident without raising rates so long as you haven’t had any claims prior to the accident.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to wear their seat belts can save up to 15% off your PIP or medical payments premium.

A little note about advertised discounts, most discount credits are not given to the entire policy premium. Some only apply to individual premiums such as physical damage coverage or medical payments. So even though it sounds like adding up those discounts means a free policy, companies don’t profit that way.

For a list of companies with discount insurance coverage rates, follow this link.

Your Nissan Pathfinder insurance rate is a complex equation

Consumers need to have an understanding of the different types of things that help determine the price you pay for insurance coverage. When you know what positively or negatively determines base rates helps enable you to make changes that could result in lower insurance coverage prices.

The following are some of the items that factor into premiums.

  • Policy add-ons can waste money – There are quite a few extra bells and whistles you can purchase on your Pathfinder policy. Insurance for vanishing deductibles, better glass coverage and membership fees may be wasting your money. They may seem like a good idea at first, but your needs may have changed so eliminate the coverages to reduce your premium.
  • One company can mean more discounts – Many insurance companies give discounts to insureds who consolidate policies with them such as combining an auto and homeowners policy. Discounts can be 10 percent or more. Even with this discount, you still need to compare rates to make sure you are getting the best deal.
  • Lower rates with optional equipment – Choosing a vehicle that has an advanced theft prevention system can help bring down rates. Theft prevention features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart your vehicle from being stolen.
  • High credit ratings translate to low rates – Your credit score is a huge factor in determining your rates. Therefore, if your credit history is lower than you’d like, you could save money insuring your 2008 Nissan Pathfinder by spending a little time repairing your credit. Consumers who have high credit ratings tend to be less risk to insure as compared to drivers with poor credit.

Tailor your coverage to you

When buying proper insurance coverage for your personal vehicles, there really is not a perfect coverage plan. Your needs are not the same as everyone else’s so your insurance needs to address that. For example, these questions can aid in determining if your insurance needs would benefit from professional advice.

  • Who is covered when they drive my 2008 Nissan Pathfinder?
  • How can I get my company to pay me more for my totalled car?
  • Does my policy cover me when driving someone else’s vehicle?
  • Can I rate high risk drivers on liability-only vehicles?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Can I afford to pay high deductible claims out of pocket?
  • How much can I save by bundling my policies?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to an agent. To find lower rates from a local agent, complete this form or click here for a list of insurance coverage companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

Don’t listen to company ads

Consumers can’t get away from ads for the lowest price auto insurance by GEICO, State Farm and Progressive. All the ads say the same thing that you’ll save big if you move to their company.

How does each company make the same claim?

Insurance companies have a preferred profile for the driver that is profitable for them. For example, a desirable insured might be profiled as between 25 and 40, insures multiple vehicles, and chooses high deductibles. A propective insured who fits that profile will get very good rates and most likely will pay quite a bit less when switching companies.

Potential customers who fall outside this ideal profile must pay higher rates and ends up with the driver buying from a lower-cost company. Company advertisements say “people who switch” not “everyone that quotes” save that kind of money. This is how insurance companies can confidently advertise the way they do. This illustrates why you absolutely need to get as many comparisons as possible. It’s not possible to predict the company that will fit your personal profile best.

Car insurance coverages for a Nissan Pathfinder

Knowing the specifics of a auto insurance policy helps when choosing the right coverages for your vehicles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Shown next are typical coverages available from auto insurance companies.

Medical expense insurance – Med pay and PIP coverage kick in for immediate expenses for hospital visits, rehabilitation expenses and nursing services. The coverages can be utilized in addition to your health insurance plan or if there is no health insurance coverage. Coverage applies to you and your occupants as well as if you are hit as a while walking down the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Protection from uninsured/underinsured drivers – This coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Nissan Pathfinder.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Collision coverage – This coverage will pay to fix damage to your Pathfinder resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things such as colliding with another moving vehicle, sideswiping another vehicle, driving through your garage door, hitting a parking meter and crashing into a ditch. This coverage can be expensive, so you might think about dropping it from lower value vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Comprehensive (Other than Collision) – Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as hail damage, falling objects and rock chips in glass. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Coverage for liability – Liability coverage will cover damages or injuries you inflict on a person or their property that is your fault. It protects you from legal claims by others, and doesn’t cover 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 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers things such as funeral expenses, court costs, emergency aid and repair costs for stationary objects. The amount of liability coverage you purchase is your choice, but you should buy as high a limit as you can afford.

Get your money’s worth

In this article, we presented some good ideas how to save on 2008 Nissan Pathfinder insurance. It’s most important to understand that the more providers you compare, the better chance you’ll have of finding lower rates. Consumers may even find the lowest priced insurance comes from some of the smallest insurance companies. These smaller insurers may have significantly lower rates on certain market segments than their larger competitors like Allstate and Progressive.

As you go through the steps to switch your coverage, make sure you don’t skimp on critical coverages to save a buck or two. In too many instances, an insured cut liability coverage limits only to find out that their decision to reduce coverage ended up costing them more. The proper strategy is to buy enough coverage at an affordable rate while still protecting your assets.

Much more information about insurance is available at the links below