Cheapest 2013 Nissan Pathfinder Insurance Rates in 2024

Trying to find the cheapest car insurance rates for your Nissan Pathfinder? Tired of paying out the nose to insure your Nissan every month? You are no different than many other drivers. Insurance companies such as Progressive, State Farm and GEICO increase brand awareness with ads and it is difficult to see through the cute green geckos and mayhem and take the time to shop coverage around.

If you are insured now or need new coverage, you will benefit by learning to find better prices while maximizing coverage. Choosing the best insurance company for you is easy if you know what you’re doing. Drivers just need to learn the proper way to compare prices on the web.

More discounts equal less premium

Insurance can cost an arm and a leg, but there are discounts available that you may not know about. A few discounts will automatically apply when you get a quote, but a few need to be requested specifically before you will receive the discount. If you’re not getting every credit possible, you’re just leaving money on the table.

• Auto/Life Discount – Select insurance companies reward you with a discount if you purchase a life insurance policy as well.
• Early Switch Discount – Some companies give discounts for switching policies prior to your current policy expiring. It’s a savings of about 10%.
• Lower Rates for Military – Having a family member in the military could be rewarded with lower premiums.
• Auto/Home Discount – When you have multiple policies with one company you will save 10% to 20% off each policy.
• Paperwork-free – A handful of insurance companies will give a small break for buying your policy over the internet.
• Seat Belts Save – Buckling up and requiring all passengers to wear their seat belts can save 10% or more off your PIP or medical payments premium.
• Passive Restraint Discount – Cars that have air bags or motorized seat belts can get savings of more than 20%.

It’s important to understand that some credits don’t apply to the overall cost of the policy. Most only cut the cost of specific coverages such as liability and collision coverage. So when the math indicates you would end up receiving a 100% discount, companies wouldn’t make money that way. But any discount will help reduce your overall premium however.

Companies that may offer some of the above discounts may include but are not limited to:

• Travelers
• 21st Century
• State Farm
• GEICO
• SAFECO
• AAA

Check with each insurance company what discounts are available to you. Some discounts might not be offered in your state.

Car Insurance Quote Comparison

There are multiple methods to compare 2013 Nissan Pathfinder car insurance prices and some are less labor-intensive and much quicker. You can waste a lot of time driving to insurance agencies in your area, or you can utilize the web to quickly compare rates.

The majority of car insurance companies belong to an insurance system where insurance shoppers only type in their quote data once, and each company returns a competitive quote determined by their information. This prevents consumers from doing quote requests to every company.

To compare 2013 Nissan Pathfinder rates now click here to start a free quote.

The only downside to getting quotes like this is that consumers can’t choose which providers you want pricing from. So if you prefer to pick specific insurance companies to compare, we have a page of low cost car insurance companies in your area. Click to view list.

Whichever way you use, make sure you use identical coverages for each price quote. If you are comparing mixed coverages it will be impossible to find the best deal for your Nissan Pathfinder.

It’s not one size fits all

When it comes to choosing the right insurance coverage for your personal vehicles, there isn’t really a cookie cutter policy. Every insured’s situation is different and a cookie cutter policy won’t apply. For example, these questions may help you determine whether you might need professional guidance.

• How does medical payments coverage work?
• Does my insurance cover damage caused when ticketed for reckless driving?
• Who is covered when they drive my 2013 Nissan Pathfinder?
• Can I make deliveries for my home business?
• Is business property covered if stolen from my car?
• Can I afford low physical damage deductibles?
• Does my car insurance cover rental cars?
• Will my vehicle be repaired with OEM or aftermarket parts?
• What should my uninsured motorist coverage limits be in my state?
• Is my camper covered by my car insurance policy?

If you don’t know the answers to these questions, then you may want to think about talking to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of insurance companies in your area. It only takes a few minutes and you can get the answers you need.

Car insurance coverage specifics

Understanding the coverages of your car insurance policy helps when choosing which coverages you need for your vehicles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. These are the normal coverages offered by car insurance companies.

Liability auto insurance

Liability coverage provides protection from injuries or damage you cause to a person or their property that is your fault. It protects you from claims by other people. It does not cover 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 $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for claims such as repair costs for stationary objects, court costs, pain and suffering and legal defense fees. The amount of liability coverage you purchase is up to you, but buy as much as you can afford.

UM/UIM Coverage

This coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your Nissan Pathfinder.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive or Other Than Collision

This pays for damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like damage from getting keyed, theft, damage from flooding, rock chips in glass and hitting a deer. The maximum payout a car insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses such as chiropractic care, rehabilitation expenses and prosthetic devices. They are often used in conjunction with a health insurance plan or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Collision coverage

Collision insurance pays for damage to your Pathfinder caused by collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as backing into a parked car, sideswiping another vehicle and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

More quotes. Lower rates.

When shopping online for insurance coverage, it’s very important that you do not buy lower coverage limits just to save a few bucks. There are many occasions where an accident victim reduced comprehensive coverage or liability limits only to find out that their decision to reduce coverage ended up costing them more. Your strategy should be to buy enough coverage at an affordable rate, not the least amount of coverage.

Cost effective 2013 Nissan Pathfinder insurance can be bought on the web as well as from independent agents, so compare prices from both to have the best selection. Some insurance coverage companies don’t offer you the ability to get quotes online and these regional insurance providers work with independent agents.

We’ve covered a lot of ways to shop for insurance online. The key thing to remember is the more times you quote, the higher the chance of saving money. You may even discover the best prices are with a lesser-known regional company. Regional companies can often provide lower rates in certain areas as compared to the big name companies such as Allstate or State Farm.

Even more information is available by following these links:

• Preventing Carjacking and Theft (Insurance Information Institute)
• Uninsured Motorists: Threats on the Road (Insurance Information Institute)
• Auto Theft Statistics (Insurance Information Institute)
• Young Drivers: The High Risk Years Video (iihs.org)