2001 Nissan Pathfinder Insurance Rates – 5 Ways to Save

Trying to find the cheapest insurance for a Nissan Pathfinder can be difficult, but you can learn the following methods and make it easy. There are both good and bad ways to shop for car insurance and you need to know the quickest way to price shop coverage on a Nissan and obtain the best price possible either online or from local insurance agents.

How to compare free insurance coverage rate quotes

Many insurance companies make it easy to get prices online. Doing online price comparisons doesn’t take a lot of time as all you need to do is type in the coverage amounts you desire into the quote form. After you submit the form their rating system will order your credit score and driving record and provides a quote based on these factors.

Online price quotes makes it a lot easier to compare rates but the process of having to visit many different websites and fill out multiple forms gets old quite quickly. But it’s necessary to have as many quotes as possible if you want to get better insurance coverage pricing.

Isn’t there an easier way to compare rates?

The preferred way to compare insurance coverage pricing uses just one form that obtains quotes from a bunch of companies at once. It saves time, reduces the work, and makes quoting online much more enjoyable. As soon as you send your information, it gets priced with multiple companies and you can pick any of the quotes returned. If one or more price quotes are lower than your current rates, it’s easy to complete the application and purchase coverage. The entire process only takes a few minutes and may result in a nice savings.

To compare rates using this form now, simply click here to open in new window and begin entering your coverage information. If you have your current policy handy, we recommend you input the limits and deductibles exactly as shown on your declarations page. This ensures you will have a rate comparison for the exact same coverage.

Double check you’re getting these five discounts

Buying car insurance is not cheap, but you might find some hidden discounts that you may not even be aware of. Larger premium reductions will be automatically applied at the time of quoting, but less common discounts must be manually applied prior to getting the savings. If you aren’t receiving every discount you qualify for, you are just wasting money.

  • Anti-lock Brake System – Anti-lock brake equipped vehicles are much safer to drive and the ABS can save up to 10%.
  • Telematics Data – Insureds that choose to allow their company to analyze driving patterns by using a telematic data system such as Progressive’s Snapshot and State Farm’s In-Drive may get a rate reduction if they have good driving habits.
  • Multi-car Discount – Insuring all your vehicles on one policy could earn a price break for each car.
  • Discount for Life Insurance – Select insurance carriers reward you with a lower premium rate if you buy a life insurance policy as well.
  • College Student Discount – Any of your kids living away from home attending college without a vehicle on campus may be insured at a cheaper rate.

We need to note that most credits do not apply to the overall cost of the policy. Most only reduce individual premiums such as comprehensive or collision. Despite the fact that it seems like all the discounts add up to a free policy, companies don’t profit that way.

To choose companies who offer online car insurance quotes, click here to view.

Special considerations

When buying the best insurance coverage, there is no one size fits all plan. Each situation is unique.

Here are some questions about coverages that could help you determine if your situation could use an agent’s help.

  • What is roadside assistance coverage?
  • Does liability extend to a camper or trailer?
  • What if I total my 2001 Nissan Pathfinder and owe more than it’s worth?
  • Is my teen driver covered when they drive my company car?
  • How much liability do I need to cover my assets?
  • Does my 2001 Nissan Pathfinder qualify for pleasure use?

If you’re not sure about those questions, you might consider talking to an insurance agent. To find an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and you can get the answers you need.

Auto insurance 101

Knowing the specifics of a car insurance policy can help you determine which coverages you need and proper limits and deductibles. Car insurance terms can be ambiguous and coverage can change by endorsement.

Comprehensive coverages – Comprehensive insurance covers damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as damage from getting keyed, damage from a tornado or hurricane, fire damage, damage from flooding and rock chips in glass. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Coverage for medical payments – Med pay and PIP coverage kick in for immediate expenses for things like funeral costs, nursing services and EMT expenses. They are often utilized in addition to your health insurance plan or if you are not covered by health insurance. It covers you and your occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Auto liability insurance – Liability insurance can cover damages or injuries you inflict on other people or property in an accident. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 50/100/50 which means a $50,000 limit per person for injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against things like repair costs for stationary objects, loss of income and repair bills for other people’s vehicles. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision coverage – This coverage covers damage to your Pathfinder resulting from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as scraping a guard rail, crashing into a building, hitting a mailbox, rolling your car and crashing into a ditch. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. It’s also possible to bump up the deductible to bring the cost down.

Uninsured and underinsured coverage – This provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries and damage to your Nissan Pathfinder.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.