Cheaper 1998 Nissan Pathfinder Car Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: May 12, 2022

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Buying the lowest cost insurance on the internet is rather challenging for consumers new to comparison shopping online. Since there are so many companies in the marketplace, how can you even start to compare every company to locate the cheapest rates?

Smart consumers take time to compare prices occasionally due to the fact that insurance rates go up and down regularly. Just because you had the best deal for Pathfinder insurance a year ago other companies may now be cheaper. Starting now, forget anything you know (or think you know) about insurance because we’re going to show you the quickest way to find better rates and still maintain coverage.

Finding affordable coverage is easy if you know what you’re doing. If you currently have a car insurance policy, you should be able to lower your premiums substantially using these tips. Nevertheless, drivers can benefit from knowing how companies market on the web because it can help you find the best coverage.

These factors can influence Nissan Pathfinder insurance rates

Smart consumers have a good feel for the rating factors that go into determining your car insurance rates. Understanding what influences your rates enables informed choices that could result in much lower annual insurance costs.

Listed below are some of the factors car insurance companies consider when setting premiums.

  • Bundling policies can get discounts – Most companies will award you with lower prices to people who have multiple policies with them in the form of a multi-policy discount. Even with this discount, it’s in your best interest to comparison shop to verify if the discount is saving money.
  • Sex matters – Statistics show that men are more aggressive behind the wheel. Now that doesn’t mean women are better drivers. Women and men cause accidents in similar percentages, but men tend to have more serious accidents. Men also have more aggressive citations such as reckless driving.
  • Claim-free discounts can add up – If you tend to file frequent claims, you can expect either policy cancellation or increased premiums. Companies award lower rates to drivers who are claim-free. Your insurance policy is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
  • Never allow your policy to lapse – Having an insurance coverage lapse is a fast way to trigger a rate increase. And not only will your rates increase, getting caught without coverage might get you a hefty fine and possibly a revoked license.
  • Older drivers save more – Mature drivers tend to be more responsible, file fewer claims and get fewer tickets. Teen drivers are statistically proven to be careless and easily distracted in a vehicle and because of this, their car insurance rates are much higher.
  • Higher deductibles cost less – Your deductibles represent how much money you are willing to pay before a claim is paid by your company. Physical damage coverage, termed comprehensive and collision coverage on your policy, covers damage that occurs to your car. Some instances where coverage would apply are colliding with a building, collision with an animal, and rolling your vehicle. The more money you are required to pay out-of-pocket, the less your company will charge you for insurance for Pathfinder insurance.
  • Your stress level may be raising your rates – Occupations such as judges, executives and accountants have higher rates than average because of stressful work requirements and long work hours. On the flip side, occupations such as farmers, athletes and the unemployed get better rates for Pathfinder insurance.
  • Poor credit can mean higher rates – A driver’s credit score is a large factor in your rate calculation. People with good credit tend to be more responsible than those with lower credit ratings. Therefore, if your credit history is low, you could pay less to insure your 1998 Nissan Pathfinder by spending a little time repairing your credit.

Cheap Car Insurance Comparisons

There are several ways to compare Nissan Pathfinder car insurance quotes, and some are less time-consuming than others. You can spend countless hours talking about coverages with agents in your area, or you could save time and use the web to quickly compare rates.

Many popular insurance companies participate in a marketplace that allows shoppers to send in one quote, and at least one company can provide price quotes based on that information. This prevents consumers from doing form submissions for each company.

To enter your information into the quoting system, click to open in new window.

One minor caviat to pricing coverage this way is that consumers can’t choose which insurance companies you will receive quotes from. So if you prefer to pick individual companies for rate comparison, we have assembled a list of car insurance companies in your area. Click here to view list.

It’s your choice how you get your quotes, but ensure you are comparing exactly the same quote information for every quote you compare. If your comparisons have different deductibles you will not be able to determine the best price for your Nissan Pathfinder. Slightly different coverage limits may result in large price differences. And when price shopping your coverage, having more price comparisons will increase your chances of finding better pricing.

Are insurance coverage companies telling the truth?

Insurance coverage companies such as 21st Century, Allstate and State Farm constantly bombard you with ads on television and other media. They all seem to make an identical promise of big savings if you switch your coverage to them. But how can every company claim to save you money? It’s all in the numbers.

Insurance companies have a preferred profile for the driver that makes them money. For instance, a driver they prefer might be between 30 and 50, has no prior claims, and has great credit. Any new insured who meets those qualifications will get very good rates and is almost guaranteed to save quite a bit of money when switching.

Potential insureds who don’t qualify for the “perfect” profile must pay higher premiums which leads to business going elsewhere. The ads say “customers who switch” not “people who quote” save that much. That’s why insurance companies can make those claims. This illustrates why drivers must compare many company’s rates. It’s impossible to know which insurance companies will have the lowest Nissan Pathfinder insurance rates.

Pay less for Nissan Pathfinder insurance

Auto insurance companies don’t always list every discount in an easy-to-find place, so the following is a list of both the well known as well as the least known savings tricks you should be using.

  • Safe Driver Discount – Safe drivers may save up to 50% more for Pathfinder insurance than less cautious drivers.
  • Early Signing – A few companies offer discounts for signing up before your current expiration date. This can save 10% or more.
  • Bundle and Save – When you have multiple policies with one company you may earn 10% to 20% off each policy.
  • Fewer Miles Equal More Savings – Low mileage vehicles can earn a substantially lower rate.
  • Use Seat Belts – Using a seat belt and requiring all passengers to wear their seat belts can save up to 15% on the medical payments or PIP coverage costs.
  • Theft Prevention System – Vehicles with anti-theft systems can help prevent theft and will save you 10% or more.
  • Multi-car Discount – Buying insurance for more than one vehicle on the same auto insurance policy qualifies for this discount.
  • Driver Safety – Taking a defensive driving course could cut 5% off your bill depending on where you live.
  • Paperwork-free – A few companies will discount your bill up to fifty bucks simply for signing over the internet.
  • No Claims – Good drivers with no accidents pay less compared to drivers who are more careless.

Drivers should understand that most discounts do not apply the whole policy. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. So when the math indicates adding up those discounts means a free policy, you’re out of luck.

Car insurance companies that may offer these discounts include:

Check with every prospective company what discounts are available to you. Discounts may not be available in your state.

Tailor your coverage to you

When choosing adequate coverage for your vehicles, there isn’t really a best way to insure your cars. Everyone’s needs are different.

These are some specific questions might help in determining whether you would benefit from an agent’s advice.

  • Do I need roadside assistance coverage?
  • Is my dog or cat covered if injured in an accident?
  • Should I bundle my homeowners policy with my auto?
  • Is my nanny covered when driving my vehicle?
  • Am I covered when driving in Canada or Mexico?
  • Do I have coverage if my license is suspended?

If you can’t answer these questions, you might consider talking to a licensed agent. To find an agent in your area, take a second and complete this form.

Car insurance coverages 101

Having a good grasp of your policy helps when choosing the right coverages for your vehicles. Car insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills like doctor visits, surgery, chiropractic care and X-ray expenses. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover you and your occupants and also covers being hit by a car walking across the street. PIP is only offered in select states and may carry a deductible

Comprehensive or Other Than Collision – This pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like a tree branch falling on your vehicle, vandalism and damage from flooding. The highest amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability coverages – This coverage provides protection from injuries or damage you cause to people or other property by causing an accident. This coverage protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 50/100/50 which stand for a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged property.

Liability coverage pays for claims such as pain and suffering, emergency aid, bail bonds, loss of income and medical expenses. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

UM/UIM Coverage – This coverage provides protection when other motorists either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your 1998 Nissan Pathfinder.

Because many people carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Collision – Collision coverage pays for damage to your Pathfinder caused by collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims like crashing into a building, sideswiping another vehicle, hitting a parking meter, hitting a mailbox and damaging your car on a curb. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also bump up the deductible in order to get cheaper collision rates.

Stretch your dollar

Budget-conscious 1998 Nissan Pathfinder insurance can be purchased on the web and with local insurance agents, and you need to comparison shop both to have the best rate selection. Some insurance companies do not offer you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.

Consumers switch companies for any number of reasons including questionable increases in premium, poor customer service, an unsatisfactory settlement offer and even high prices. Regardless of your reason, finding a new company can be easy and end up saving you some money.

As you shop your coverage around, it’s not a good idea to reduce coverage to reduce premium. Too many times, someone sacrificed full coverage only to regret at claim time that the few dollars in savings costed them thousands. The aim is to get the best coverage possible at a price you can afford, not the least amount of coverage.

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