Cheap 1992 Nissan Pathfinder Car Insurance Quotes

Looking for better insurance rates for your Nissan Pathfinder? Finding better insurance prices for your Nissan Pathfinder can be a painful process, but you can learn a few tricks to save time.

There are both good and bad ways to buy insurance and we’ll show you the best way to get price quotes for a new or used Nissan and find the cheapest rates either online or from local insurance agents.

It’s a good idea to price shop coverage before your policy renews because insurance prices tend to go up over time. Even if you got the lowest rates on Pathfinder insurance two years ago you may be paying too much now. Forget all the misinformation about insurance because I’m going to let you in on the secrets to the proper way to find better coverage at a better price.

If you are insured now or need a new policy, you will benefit by learning to find better prices and still get good coverage. Finding the cheapest insurance coverage is quite easy. Drivers just need to learn how to buy insurance on the web.

Compare insurance coverage rates

Effectively comparing insurance coverage prices can be a daunting task if you aren’t aware of the fastest way to get free quotes. You can spend your afternoon driving to insurance agencies in your area, or you can stay home and use online quotes to quickly compare rates.

Most major companies participate in an industry program where prospective buyers submit their information once, and each company then gives them pricing. This system prevents you from having to do quote requests for every insurance coverage company.

To fill out one form to compare multiple rates now click here (opens in new window).

The one downside to comparing rates this way is you cannot specify the insurers to receive prices from. If you would rather choose specific insurance companies to receive pricing from, we have assembled a list of companies who write insurance coverage in your area. Click to view list.

You can use whichever method you prefer to find lower rates, just be certain you are entering the same coverages on every quote. If you enter mixed coverages it’s impossible to make a fair comparison for your Nissan Pathfinder.

Take advantage of every insurance discount

Companies that sell car insurance don’t necessarily list every discount in a way that’s easy to find, so the list below gives a summary of some of the more common and also the lesser-known savings tricks you should be using when you buy auto insurance online. If you are not receiving all the discounts you deserve, you are paying more than you should be.

  • Defensive Driving Course – Participating in a driver safety course could earn you a small percentage discount and also improve your driving technique.
  • Save with More Vehicles Insured – Having multiple vehicles with the same insurance company can get a discount for every vehicle.
  • New Car Discount – Buying coverage on a new vehicle may earn a small discount since newer models have better safety ratings.
  • Low Mileage – Low mileage vehicles could be rewarded with lower prices due to less chance of an accident.
  • Home Ownership Discount – Just being a homeowner may trigger a policy discount on insurance since home ownership means you have a higher level of financial diligence.
  • Bundle and Save – If you can bundle your auto and homeowners insurance with the same company you may earn at least 10 to 15 percent or more.
  • ABS Braking Discount – Cars with anti-lock braking systems have fewer accidents and earn discounts up to 10%.
  • Good Student – Getting good grades may save as much as 25% on a auto insurance quote. This discount can apply up to age 25.
  • Multi-line Discount – If the company offers life insurance, you could get a small discount if you purchase a life insurance policy as well.

Please keep in mind that some credits don’t apply to all coverage premiums. Some only apply to the price of certain insurance coverages like collision or personal injury protection. So when the math indicates you would end up receiving a 100% discount, nobody gets a free ride.

Large insurance companies and some of their more popular discounts can be read below.

  • GEICO includes discounts for five-year accident-free, federal employee, multi-policy, anti-theft, seat belt use, anti-lock brakes, and emergency military deployment.
  • MetLife may have discounts that include multi-policy, accident-free, good driver, claim-free, and defensive driver.
  • State Farm offers discounts for anti-theft, student away at school, good student, multiple policy, and good driver.
  • Progressive may offer discounts for multi-policy, homeowner, online quote discount, online signing, multi-vehicle, and good student.
  • Mercury Insurance has savings for good driver, annual mileage, location of vehicle, good student, and multi-policy.
  • 21st Century policyholders can earn discounts including defensive driver, driver training, good student, automatic seat belts, and anti-lock brakes.
  • Allstate offers discounts including passive restraint, farm vehicle, economy car, early signing, premier discount, and anti-theft.

When quoting, ask each company how you can save money. Discounts may not apply to policies in your area. To locate insurers that offer the discounts shown above, click this link.

How to know if you need help

When choosing coverage, there isn’t really a single plan that fits everyone. Every situation is different.

For instance, these questions can help discover whether you would benefit from an agent’s advice.

  • Should I file a claim if it’s only slightly more than my deductible?
  • Does my policy cover my teen driver if they drive my company car?
  • Am I missing any policy discounts?
  • What is medical payments coverage?
  • Do I pay less if my vehicle is kept in my garage?
  • How do I insure my teen driver?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Do I need more liability coverage?
  • What are the best liability limits?

If you’re not sure about those questions but a few of them apply then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, free and may give you better protection.

Four factors that determine insurance rates

A large part of saving on insurance coverage is knowing the different types of things that help determine your premiums. If you understand what controls the rates you pay, this allows you to make educated decisions that could result in big savings.

  • Choose high IIHS safety ratings and save – Safer cars are cheaper to insure. Safer cars protect occupants better and fewer injuries translates directly to fewer claims which can mean better rates for you. If your Nissan has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website you may be receiving a better rate.
  • Raise your comp and collision deductibles for better rates – Deductibles for physical damage define how much you are willing to pay before a claim is paid by your company. Protection for physical damage, also called ‘full coverage’, covers damage that occurs to your car. Some coverage claims are collision with another vehicle, damage from fire, and damage caused by road hazards. The more damage repair cost you’re willing to pay, the less your company will charge you for insurance on Pathfinder insurance.
  • Being married is a good thing – Your spouse helps lower the price when shopping for insurance coverage. Having a significant other means you’re more financially stable it has been statistically shown that married drivers tend to file fewer claims.
  • Deter theft and pay less – Choosing a vehicle that has a built-in theft deterrent system can help lower your rates. Theft prevention features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping your vehicle from being stolen.

The ad said I’d save $388 a year!

Consumers constantly see and hear ads that claim the lowest prices from the likes of GEICO, State Farm and Progressive. All the companies say the same thing that drivers can save some big amount just by moving your auto insurance policy to them.

That’s great but how can every company have lower policy pricing? It’s all in the wording.

All companies have strict underwriting profiles for the driver that earns them a profit. One example of a profitable customer should be between the ages of 30 and 45, owns a home, and has a high credit rating. A driver who fits that profile will probably get cheap rates and will probably save if they switch.

Drivers who do not meet these criteria may receive higher premium rates which leads to the customer not purchasing. The trick is to say “drivers that switch” but not “everyone who gets a quote” save that much money. This is how insurance companies can state the savings.

Because of these techniques, you really should do a rate comparison at every renewal. You cannot predict the company that will provide the lowest rates.

Car insurance coverage specifics

Having a good grasp of your car insurance policy can help you determine appropriate coverage and the correct deductibles and limits. Car insurance terms can be ambiguous and coverage can change by endorsement.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your 1992 Nissan Pathfinder.

Since 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 is very important. Frequently these limits are set the same as your liablity limits.

Medical payments and PIP coverage

Med pay and PIP coverage reimburse you for short-term medical expenses for things like X-ray expenses, EMT expenses and funeral costs. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision coverage protection

Collision insurance covers damage to your Pathfinder resulting from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage protects against claims such as hitting a parking meter, colliding with a tree, sideswiping another vehicle, crashing into a ditch and colliding with another moving vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to save money on collision insurance.

Liability coverage

This protects you from injuries or damage you cause to a person or their property by causing an accident. It protects you against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

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 50/100/50 that means you have a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things such as pain and suffering, attorney fees, bail bonds and medical expenses. How much liability coverage do you need? That is up to you, but consider buying as much as you can afford.

Comprehensive auto coverage

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things such as damage from getting keyed, damage from a tornado or hurricane and a tree branch falling on your vehicle. The maximum payout a car insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Shop around and save

Lower-priced 1992 Nissan Pathfinder insurance can be purchased on the web and with local insurance agents, and you need to price shop both in order to have the best chance of saving money. A few companies may not offer online price quotes and usually these small, regional companies provide coverage only through independent insurance agencies.

Consumers switch companies for many reasons like not issuing a premium refund, delays in paying claims, extreme rates for teen drivers and delays in responding to claim requests. Regardless of your reason for switching companies, finding a new auto insurance company can be less work than you think.

While you’re price shopping online, do not skimp on coverage in order to save money. There are many occasions where an insured dropped full coverage only to discover later that it was a big error on their part. Your aim should be to find the BEST coverage at the lowest possible cost.

Much more information about auto insurance can be read at these links: