How Much Does 2015 Nissan Pathfinder Car Insurance Cost?

Overwhelmed by the crazy number of insurance coverage options? Many other consumers are too. You have so many choices that it can easily become more work than you anticipated to find better rates.

If you currently have car insurance, you will most likely be able to lower your premiums substantially using these techniques. Shopping for cheaper coverage is not that difficult. Although consumers should learn the methods companies use to compete online and take advantage of how the system works.

Insurance Prices

All the larger insurance companies such as Progressive, GEICO, Allstate and State Farm provide pricing directly from their websites. Getting online rates is quite simple as you just enter the coverages you want as requested by the quote form. After you submit the form the system makes automated requests for information on your driving record and credit history and generates pricing information based on these factors.

This makes it a lot easier to compare rates but having to visit different websites and type in the same information gets old quite quickly. Unfortunately, it is important to get many rate quotes if you are searching for better insurance pricing.

Quote rates the easy way

The smarter way to lower your insurance bill is to use a quote form to return rates from several different companies. It’s a real time-saver, helps eliminate reptitive entry, and makes rate comparisons much easier to do. As soon as the form is sent, it gets priced with multiple companies and you can pick any or none of the resulting price quotes.

If you find a better price you can simply submit the application and buy the new coverage. The whole process takes 15 minutes at the most and may save quite a bit of money.

To quickly find out what other companies charge, click here to open in new window and input your coverage information. To compare your current rates, we recommend you copy the limits and deductibles identical to your current policy. This way, you will have a price comparison for the exact same coverage.

Save $494 a year? Really?

Companies like Progressive, GEICO, Allstate and State Farm continually stream ads in print and on television. All the ads make an identical promise about savings after switching your policy. How does each company claim to save you money?

Different companies are able to cherry pick for the right customer that makes them money. For instance, a desirable insured could be over the age of 40, has no prior claims, and drives newer vehicles. Any new insured who matches those parameters will get the preferred rates and therefore will pay quite a bit less when switching companies.

Consumers who don’t qualify for the “perfect” profile will be charged higher prices and ends up with business going elsewhere. The ads say “people who switch” not “people who quote” save that much. That is how insurance companies can advertise the way they do.

That is why you need to get quotes from several different companies. Because you never know which insurance companies will fit your personal profile best.

How much can you save with discounts?

Insuring your vehicles can cost a lot, but there are discounts available to help offset the cost. Some trigger automatically at quote time, but lesser-known reductions have to be specifically requested before being credited.

  • Government Employees – Active or retired federal employment may qualify you for a discount on Pathfinder insurance with select insurance companies.
  • Military Discounts – Being deployed with a military unit can result in better rates.
  • Safety Course Discount – Taking a course in driver safety could cut 5% off your bill depending on where you live.
  • Homeowners Pay Less – Being a homeowner can save you money due to the fact that maintaining a home shows financial diligence.
  • Multi-policy Discount – When you have multiple policies with the same insurance company you may earn at least 10% off all policies.
  • Low Mileage – Keeping the miles down on your Nissan could be rewarded with a substantially lower rate.
  • Save over 55 – Mature drivers may receive a discount up to 10% on Pathfinder insurance.

Keep in mind that most discounts do not apply to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like liability and collision coverage. Just because you may think all those discounts means the company will pay you, companies wouldn’t make money that way. Any qualifying discounts will help reduce your premiums.

To see a list of insurers offering insurance coverage discounts, click here.

How much car insurance do I need?

When it comes to buying the right insurance coverage for your vehicles, there really is not a “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

These are some specific questions may help you determine if your situation would benefit from professional advice.

  • Do I need special endorsements for business use of my vehicle?
  • Are all vehicle passengers covered by medical payments coverage?
  • Do I pay less if my vehicle is kept in my garage?
  • Am I covered if I hit my neighbor’s mailbox?
  • Why does it cost so much to insure a teen driver?
  • Should I drop comprehensive coverage on older vehicles?
  • When does my teenage driver need to be added to my policy?
  • Can I afford low physical damage deductibles?

If you don’t know the answers to these questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, simply complete this short form.

Insurance coverages and their meanings

Having a good grasp of your insurance policy helps when choosing appropriate coverage and proper limits and deductibles. Insurance terms can be ambiguous and coverage can change by endorsement.

Collision insurance

This covers damage to your Pathfinder from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as driving through your garage door, crashing into a ditch, crashing into a building and colliding with another moving vehicle. This coverage can be expensive, so you might think about dropping it from vehicles that are older. You can also choose a higher deductible to get cheaper collision coverage.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance provide coverage for bills like funeral costs, dental work and hospital visits. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover you and your occupants and also covers any family member struck as a pedestrian. PIP is only offered in select states and may carry a deductible

Comprehensive coverage

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like damage from a tornado or hurricane, hail damage, falling objects, hitting a bird and hitting a deer. The maximum payout a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability

Liability coverage protects you from damage that occurs to other people or property that is your fault. This coverage protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 25/50/25 which stand for a limit of $25,000 per injured person, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against things like emergency aid, bail bonds, structural damage and medical services. How much liability should you purchase? That is a decision to put some thought into, but you should buy as large an amount as possible.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your Nissan Pathfinder.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally the UM/UIM limits do not exceed the liability coverage limits.

A tidy conclusion

While you’re price shopping online, make sure you don’t buy poor coverage just to save money. There have been many cases where drivers have reduced liability coverage limits to discover at claim time that it was a big error on their part. Your aim should be to buy a smart amount of coverage at the best price.

In this article, we covered many ways to compare 2015 Nissan Pathfinder insurance prices online. The most important thing to understand is the more rate comparisons you have, the higher your chance of finding lower rates. Drivers may discover the lowest premiums are with a company that doesn’t do a lot of advertising.

Low-cost insurance can be found both online and also from your neighborhood agents, so compare prices from both to get a complete price analysis. Some insurance companies may not provide you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.

More detailed insurance information can be found by following these links: