Lower Your 2008 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: May 12, 2022

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Want lower insurance coverage rates for your Nissan Pathfinder? Perplexed by the number of insurance coverage company choices? You’re not alone. People have so many companies to choose from that it can turn into a big hassle to compare prices.

Compare the Market for Auto Insurance

There are a lot of ways to compare auto insurance quotes, and some are more efficient than others. You can waste hours driving to local insurance agents in your area, or you could save time and use the web to accomplish the same thing much quicker.

Most of the larger companies belong to a marketplace that allows shoppers to enter their coverage request one time, and each company can provide price quotes for coverage. This eliminates the need for repetitive form submissions for each company you want a rate for. To participate in this free quote system, click to open in new window.

The only drawback to using this type of system is you cannot specify the companies you want to price. So if you want to select individual companies to compare, we have a page of the cheapest auto insurance companies in your area. View list of insurance companies.

Whichever way you use, ensure you’re using identical coverages and limits on every quote. If you use higher or lower deductibles then you won’t be able to truly determine the lowest rate. Having just a slight variation in coverage limits may result in a large different in cost. Just remember that having more price comparisons helps locate a better price.

Don’t believe everything you hear

Companies like State Farm, GEICO and Progressive regularly use ads on TV and radio. All the ads say the same thing of big savings if you move to their company. How do they all say the same thing? This is how they do it.

Insurance companies have a certain “appetite” for the type of driver that makes them money. A good example of a driver they prefer might be profiled as over the age of 50, owns a home, and chooses high deductibles. A driver that hits that “sweet spot” receives the best rates and as a result will probably save when they switch companies.

Drivers who do not match the “perfect” profile will have to pay more money which usually ends up with business not being written. The ad wording is “customers who switch” not “everyone that quotes” save money. That’s the way insurance companies can make the claims of big savings.

Because of the profiling, it’s extremely important to get as many comparisons as possible. Because you never know which company will have the lowest Nissan Pathfinder insurance rates.

Companies offer discounts so take them!

Insuring your vehicles can cost a lot, but discounts can save money and there are some available that can drop the cost substantially. A few discounts will automatically apply at the time of quoting, but some must be asked for prior to getting the savings.

  • Defensive Driving Course – Taking a driver safety course could cut 5% off your bill if you qualify.
  • Driver’s Ed – Have your child complete a driver education course in school.
  • Seat Belts Save – Drivers who require all occupants to use a seat belt could cut 10% or more off the personal injury premium cost.
  • Safe Driver Discount – Drivers who don’t get into accidents may receive a discount up to 45% less for Pathfinder coverage than drivers with accidents.
  • Claim Free – Claim-free drivers pay much less when compared with accident-prone drivers.
  • Low Mileage – Low mileage vehicles could be rewarded with lower rates on the low mileage vehicles.
  • Save with a New Car – Insuring a new car is cheaper compared to insuring an older model.

As a disclaimer on discounts, some credits don’t apply to your bottom line cost. The majority will only reduce individual premiums such as comp or med pay. Even though it may seem like you can get free auto insurance, companies wouldn’t make money that way. But all discounts will bring down the amount you have to pay.

For a list of insurers with the best insurance discounts, click here to view.

Do I just need basic coverages?

When choosing the best car insurance coverage for your vehicles, there is no best way to insure your cars. Your needs are not the same as everyone else’s.

These are some specific questions might help in determining whether or not you could use an agent’s help.

  • Is my camper covered by my car insurance policy?
  • Why am I required to get a high-risk car insurance policy?
  • Am I better off with higher deductibles on my 2008 Nissan Pathfinder?
  • Am I covered if I wreck a rental car?
  • When can my company non-renew my policy?
  • Are rock chip repairs covered?
  • Are rental cars covered under my policy?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, complete this form.

What auto insurance coverages do you need?

Having a good grasp of your policy can help you determine the right coverages and proper limits and deductibles. Policy terminology can be impossible to understand and coverage can change by endorsement.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for chiropractic care, nursing services and dental work. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants as well as any family member struck as a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

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

Comprehensive coverage pays for things such as a broken windshield, falling objects, vandalism, a tree branch falling on your vehicle and theft. The maximum payout a auto insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

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

Collision insurance covers things such as crashing into a ditch, scraping a guard rail, hitting a parking meter and sustaining damage from a pot hole. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Liability insurance – Liability coverage can cover injuries or damage you cause to other people or property that is your fault. This coverage protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Occasionally you may see a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against claims such as legal defense fees, loss of income, bail bonds, attorney fees and funeral expenses. How much liability should you purchase? That is up to you, but buy higher limits if possible.

Be a smart shopper

When trying to cut insurance costs, it’s a bad idea to reduce coverage to reduce premium. Too many times, an accident victim reduced liability limits or collision coverage and learned later that it was a big mistake. Your goal should be to purchase a proper amount of coverage for the lowest price while not skimping on critical coverages.

Cost effective 2008 Nissan Pathfinder insurance is available on the web and with local insurance agents, and you need to price shop both to get a complete price analysis. Some auto insurance companies do not offer online price quotes and these regional insurance providers work with independent agents.

Consumers leave their current company for many reasons like poor customer service, questionable increases in premium, not issuing a premium refund or even being labeled a high risk driver. No matter why you want to switch, choosing a new insurance company is easier than you think.

Additional information can be found on the following sites:

Free Auto Insurance Comparison

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