How Much Does 1999 Nissan Pathfinder Insurance Cost?

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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: Oct 20, 2017

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If you are a novice to online car insurance shopping, it’s easy to get confused because of the huge number of companies selling insurance.

This information will let you in on the most effective way to quote insurance and some tips to save money. If you currently have car insurance, you will most likely be able to cut costs considerably using these tips. But car owners can benefit from knowing the way insurance companies determine prices and take advantage of how the system works.

Why you might be paying too much to insure your Nissan Pathfinder

It’s important that you understand the factors that play a part in calculating the rates you pay for auto insurance. Knowing what impacts premium levels enables informed choices that will entitle you to much lower annual insurance costs.

Shown below are a few of the “ingredients” auto insurance companies consider when setting prices.

  • Battle of the sexes – The statistics show women tend to be less risk to insure than men. However, this does not mean men are WORSE drivers than women. They both are in accidents in similar numbers, but the males have costlier accidents. They also have more aggressive citations such as DWI and reckless driving. Male drivers age 16 to 19 tend to get in the most accidents and thus pay the highest rates.
  • Rural vs Urban Areas – Living in a rural area can save you money when insuring your vehicles. Lower population means fewer accidents and a lower car theft rate. Urban drivers regularly have traffic congestion and longer commute times. Higher commute times translates into higher accident risk.
  • Rates may be higher depending on your occupation – Careers like judges, executives and accountants are shown to have higher rates than average in part from high stress levels and long work days. On the flip side, occupations such as scientists, athletes and the unemployed pay the least on Pathfinder insurance.
  • Extra add-on coverages are wasting money – There are a ton of add-on coverages that you can buy when buying auto insurance. Coverages for rental car reimbursement, towing coverage and motor club memberships may be costing you every month. These coverages may sound good when you first buy your policy, but if you don’t need them eliminate them to save money.
  • Equipment add-ons that lower auto insurance rates – Purchasing a vehicle with a theft deterrent system can get you a discount on your auto insurance. Theft prevention devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping auto theft.

The easiest way to compare rates is to take advantage of the fact most of the larger companies provide online access to give free rates quotes. The one thing you need to do is provide a little information including driver ages, daily mileage, whether the vehicles are used for commuting, and if a SR-22 is required. That rating information gets transmitted to multiple different insurance companies and you receive quotes quickly.

To check rates for your 1999 Nissan Pathfinder, click here and enter your coverage details.

Best discounts on 1999 Nissan Pathfinder coverage

Insuring your fleet can be pricey, buy you may qualify for discounts to help bring down the price. Certain discounts will be triggered automatically at the time you complete a quote, but less common discounts must be specially asked for in order for you to get them.

  • Multiple Vehicles – Having multiple vehicles on the same auto insurance policy could earn a price break for each car.
  • Bundle and Save – When you have multiple policies with the same insurance company you may save at least 10% off all policies.
  • Government Employees – Simply working for the federal government can save as much as 8% on Pathfinder insurance with a few auto insurance companies.
  • Senior Discount – If you’re over the age of 55, you may qualify for a discount up to 10% on Pathfinder insurance.
  • No Accidents – Drivers who don’t have accidents can earn big discounts as compared to frequent claim filers.
  • Accident Waiver – Some insurance companies will allow you to have one accident before raising your premiums if you are claim-free for a set time period.
  • Good Students Pay Less – This discount can earn a discount of 20% or more. This discount can apply up to age 25.
  • Military Discounts – Being deployed with a military unit could be rewarded with lower premiums.
  • Safe Drivers – Drivers who don’t get into accidents may receive a discount up to 45% less on Pathfinder insurance than their less cautious counterparts.

Keep in mind that most of the big mark downs will not be given to all coverage premiums. Most cut the cost of specific coverages such as comprehensive or collision. Just because you may think all the discounts add up to a free policy, it doesn’t quite work that way. Any qualifying discounts will reduce the cost of coverage.

Companies that may have these benefits include:

Double check with every prospective company which discounts they offer. Savings might not be offered in your area.

Tailor your coverage to you

When buying proper insurance coverage, there is no one size fits all plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that could help you determine whether your personal situation would benefit from professional advice.

  • What can I do if my company won’t pay a claim?
  • How high should my uninsured/underinsured coverage be in my state?
  • Is a new car covered when I drive it off the dealer lot?
  • Does my policy pay for OEM or aftermarket parts?
  • Do I pay less if my vehicle is kept in my garage?
  • What is roadside assistance coverage?
  • How can I get my company to pay me more for my totalled car?
  • What companies insure drivers after a DUI or DWI?
  • Do I need to file an SR-22 for a DUI in my state?
  • Do I need PIP coverage since I have good health insurance?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you don’t have a local agent, take a second and complete this form.

Insurance coverage considerations

Having a good grasp of your policy can help you determine appropriate coverage for your vehicles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive (Other than Collision)

This coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like vandalism, damage from a tornado or hurricane, fire damage, a tree branch falling on your vehicle and rock chips in glass. The maximum amount your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Coverage for collisions

This pays for damage to your Pathfinder caused by collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like rolling your car, backing into a parked car, colliding with another moving vehicle and colliding with a tree. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Liability insurance

Liability insurance provides protection from damage or injury you incur to a person or their property that is your fault. It protects YOU against other people’s claims, and does not provide coverage for 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. You might see limits 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 property damage coverage for $50,000. Some companies may use a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers claims like legal defense fees, attorney fees, emergency aid and funeral expenses. How much liability coverage do you need? That is your choice, but buy higher limits if possible.

Medical expense insurance

Coverage for medical payments and/or PIP kick in for short-term medical expenses for things like nursing services, surgery, funeral costs, hospital visits and X-ray expenses. They are often used to fill the gap from your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants in addition to getting struck while a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your 1999 Nissan Pathfinder.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Shop. Compare. Save.

When shopping online for insurance coverage, don’t be tempted to buy poor coverage just to save money. In many instances, consumers will sacrifice physical damage coverage only to regret at claim time that they should have had better coverage. The proper strategy is to buy a smart amount of coverage at the best price while not skimping on critical coverages.

Low-cost 1999 Nissan Pathfinder insurance is possible on the web as well as from independent agents, so you should compare both to have the best rate selection. Some companies don’t offer you the ability to get quotes online and these smaller companies work with independent agents.

We just presented a lot of techniques to lower your insurance rates. It’s most important to understand that the more you quote, the more likely it is that you will get a better rate. You may be surprised to find that the best prices are with a smaller regional carrier.

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