2014 Nissan Pathfinder Insurance Cost – 5 Policy Discounts

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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: Nov 23, 2017

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Buying cheap car insurance online is challenging for beginners to comparison shopping online. Since there are so many insurance companies available, how can you have a chance to compare every one to find the best available price?

It’s a good idea to take a look at other company’s rates before your policy renews since insurance rates are adjusted regularly by insurance companies. Even if you got the lowest price on Pathfinder coverage six months ago the chances are good that you can find a lower rate today. Starting right now, forget anything you know (or think you know) about car insurance because we’re going to show you one of the quickest ways to remove unneeded coverages and save money.

Save on 2014 Nissan Pathfinder insurance

The price of auto insurance can be rather high, but companies offer discounts that many people don’t even know exist. A few discounts will automatically apply when you complete an application, but lesser-known reductions have to be specially asked for in order for you to get them.

  • Paperwork-free – Some insurance companies give back up to $50 simply for signing over the internet.
  • Discount for Life Insurance – Some companies give a discount if you purchase a life insurance policy as well.
  • Accident Forgiveness – Some insurance companies will forgive one accident before hitting you with a surcharge as long as you don’t have any claims for a particular time prior to the accident.
  • Clubs and Organizations – Participating in certain professional organizations could trigger savings when buying auto insurance on Pathfinder coverage.
  • Own a Home – Simply owning a home can help you save on auto insurance because maintaining a house shows financial diligence.

Consumers should know that most of the big mark downs will not be given the whole policy. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So when the math indicates adding up those discounts means a free policy, companies wouldn’t make money that way. But any discount will bring down your overall premium however.

Car insurance companies who might offer these benefits may include but are not limited to:

Check with each insurance company which discounts you may be entitled to. Discounts might not apply in your state.

Tailor your coverage to you

When it comes to choosing coverage, there really is not a “perfect” insurance plan. Everyone’s situation is unique.

Here are some questions about coverages that can aid in determining if your situation may require specific advice.

  • Should I rate my 2014 Nissan Pathfinder as pleasure use or commute?
  • Should I waive the damage coverage when renting a car?
  • What if I total my 2014 Nissan Pathfinder and owe more than it’s worth?
  • Is other people’s property covered if stolen from my vehicle?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Can I afford to pay high deductible claims out of pocket?
  • Should I have combined single limit or split liability limits?
  • Do I need an umbrella policy?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Advertising myths

Auto insurance providers like Progressive, Allstate and GEICO regularly use television and radio advertisements. They all make an identical promise about savings if you move your policy. How does each company say the same thing?

Insurance companies have a certain “appetite” for the type of customer that earns them a profit. For example, a preferred risk might be profiled as between 30 and 50, owns a home, and has a high credit rating. A propective insured who matches those parameters receives the best rates and most likely will save quite a bit of money when switching.

Drivers who do not match this ideal profile must pay a more expensive rate which usually ends up with business going elsewhere. Company advertisements say “customers who switch” not “everybody who quotes” save that kind of money. That’s the way insurance companies can state the savings.

This illustrates why it is so important to compare as many rates as you can. It’s impossible to know the company that will have the lowest Nissan Pathfinder insurance rates.

Detailed coverages of your auto insurance policy

Learning about specific coverages of your policy helps when choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage protects you and your vehicle when other motorists 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.

Because many people have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Comprehensive insurance – Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like hitting a bird, rock chips in glass and hitting a deer. The maximum payout a auto insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision – Collision insurance will pay to fix damage to your Pathfinder resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things such as driving through your garage door, rolling your car, sideswiping another vehicle and crashing into a building. This coverage can be expensive, so consider dropping it from vehicles that are older. Another option is to increase the deductible to bring the cost down.

Auto liability insurance – Liability insurance will cover damage or injury you incur to people or other property in an accident. It protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 25/50/25 which means a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Some companies may use one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for claims like emergency aid, structural damage, bail bonds, attorney fees and repair costs for stationary objects. How much liability coverage do you need? That is your choice, but consider buying as large an amount as possible.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP provide coverage for immediate expenses for things like doctor visits, X-ray expenses and prosthetic devices. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and will also cover getting struck while a pedestrian. PIP is not universally available and may carry a deductible

Saving money makes a lot of cents

Cost effective 2014 Nissan Pathfinder insurance is possible from both online companies in addition to many insurance agents, and you need to comparison shop both to have the best selection. There are still a few companies who do not provide you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.

We just covered many tips how you can get a better price on insurance. The most important thing to understand is the more companies you get rates for, the better chance you’ll have of finding lower rates. You may even find the lowest premiums are with a small local company.

When trying to cut insurance costs, it’s not a good idea to buy poor coverage just to save money. In many instances, consumers will sacrifice physical damage coverage only to regret at claim time that the few dollars in savings costed them thousands. The ultimate goal is to buy a smart amount of coverage for the lowest price while not skimping on critical coverages.

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