How Much Does 2004 Nissan Pathfinder Insurance Cost?

Overpriced Nissan Pathfinder insurance can dwindle your personal savings and make it impossible to make ends meet. Price shopping at each renewal is free and is an excellent way to slash your bill and have more diposable income.

Many insurance companies compete to insure your vehicles, so it’s not easy to compare every provider and get the best coverage at the best price available.

Insurance coverage rates and discounts

Not too many consumers would say insurance coverage is affordable, but discounts can save money and there are some available that can dramatically reduce your bill. Most are applied at the time you complete a quote, but a few need to be specifically requested before being credited.

  • Multi-car Discount – Buying coverage for multiple cars or trucks with the same insurance coverage company could earn a price break for each car.
  • Military Deployment Discount – Being deployed with a military unit may qualify for rate reductions.
  • Driver Education Discount – It’s a good idea to have your young drivers enroll in driver’s education if offered at their school.
  • Accident Forgiveness Coverage – This isn’t a discount exactly, but companies like GEICO, State Farm, and Progressive allow you one accident before your rates go up so long as you haven’t had any claims prior to being involved in the accident.
  • Driver Training Discounts – Taking time to complete a class that teaches safe driver techniques could save 5% or more depending on where you live.

As a footnote on discounts, most discounts do not apply the the whole policy. Most only reduce individual premiums such as liability and collision coverage. So even though they make it sound like you can get free auto insurance, company stockholders wouldn’t be very happy.

Insurance companies who might offer some of the discounts shown above possibly include:

When getting free insurance coverage quotes, it’s a good idea to all companies you are considering which discounts you qualify for. Some discounts listed above might not be offered in every state. To see insurers that offer many of these discounts, follow this link.

Compare quotes for insurance coverage

There are multiple methods you can shop for insurance coverage but there is one way that is more efficient than others. You could waste a few hours discussing policy coverages with local insurance agents in your area, or you can utilize online quotes to achieve your goal.

Most major companies are enrolled in a marketplace that enables customers to complete one form, and each participating company provides a quote based on that data. This saves time by eliminating quote requests to every company.

To compare rates now click here to open in new window.

One minor caviat to pricing coverage this way is you cannot specify which providers to get quotes from. So if you prefer to pick individual companies to receive pricing from, we have a page of the cheapest insurance coverage companies in your area. Click to view list.

It doesn’t matter which method you choose, just compare exactly the same coverage limits on every quote you get. If you use unequal deductibles or liability limits it’s impossible to get a fair rate comparison.

Learn how to lower your insurance prices

An important part of buying insurance is that you know the different types of things that go into determining the price you pay for car insurance. When consumers understand what controls the rates you pay, this helps enable you to make changes that may result in big savings. Multiple criteria are taken into consideration when pricing auto insurance. Some factors are common sense such as traffic violations, but other criteria are not quite as obvious like your vehicle usage or your financial responsibility.

The factors shown below are a few of the things utilized by car insurance companies to help set your rates.

  • Alarm systems save money – Buying a car with advanced anti-theft systems can help lower your premiums. Systems that thwart theives like vehicle immobilizer systems, OnStar, and tracking devices like LoJack help track and prevent your vehicle from being stolen.
  • Add-on coverages can cost a lot – There are quite a few additional extra coverages that may not really be needed if you aren’t careful. Insurance for things like roadside assistance, towing coverage, and Farm Bureau memberships are examples of these. They may sound like good ideas when deciding what coverages you need, but now you might not need them so eliminate the coverages to reduce your premium.
  • Low physical damage deductibles mean high prices – Coverage for physical damage, also called ‘full coverage’, protects your Nissan from damage. Some coverage claims are a broken side mirror, flood damage, and having your car stolen. Comprehensive and collision coverage deductibles state the amount of money you are willing to pay if a covered claim is submitted. The more money you pay before a claim is paid (deductible), the less money you will pay for car insurance on Pathfinder coverage.
  • Cheap car insurance rates for being claim-free – If you file a lot of claims don’t be surprised to see either higher rates or even cancellation. Companies provide lower rates to insureds that do not abuse their auto insurance. Insurance coverage is intended to be relied upon for claims that pose a financial burden.

Situations that may require an agent’s advice

When it comes to buying the best car insurance coverage for your vehicles, there is no “best” method to buy coverage. Your needs are not the same as everyone else’s so your insurance needs to address that. These are some specific questions might point out whether or not you would benefit from professional advice.

  • Is a blown tire covered by insurance?
  • Am I covered when driving a rental car?
  • Is other people’s property covered if stolen from my vehicle?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Am I missing any policy discounts?
  • Is business equipment covered while in my vehicle?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Does my policy cover me when driving someone else’s vehicle?
  • Do I have coverage when making deliveries for my home business?
  • What is PIP insurance?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area. It’s fast, free and can help protect your family.

Save $384 a year. For real?

Consumers constantly see and hear ads for cheaper car insurance by companies like Progressive, GEICO, Allstate and State Farm. They all seem to advertise claims of big savings if you switch to them.

How do they all make almost identical claims?

Car insurance companies can use profiling for the type of insured they prefer to insure. For instance, a desirable risk may be between the ages of 30 and 45, has a low-risk occupation, and has a high credit rating. Someone who matches those parameters will get the preferred prices and will most likely save a lot of money.

Potential insureds who fall outside the requirements will be quoted higher prices and ends up with the customer not purchasing. If you listen closely, the ads state “people who switch” not “everybody who quotes” can save as much as they claim. That is how insurance companies can confidently make the claims of big savings.

This really illustrates why you need to do a quote comparison often. It’s just too difficult to predict which insurance companies will have the lowest rates.

Coverage specifics

Learning about specific coverages of your policy can be of help when determining which coverages you need and the correct deductibles and limits. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Shown next are typical coverage types available from insurance companies.

Medical costs insurance – Med pay and PIP coverage reimburse you for bills for things like rehabilitation expenses, nursing services, hospital visits and surgery. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and will also cover getting struck while a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Auto liability insurance – Liability coverage protects you from injuries or damage you cause to other people or property by causing an accident. It protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Some companies may use a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against things such as loss of income, funeral expenses, court costs, repair bills for other people’s vehicles and medical expenses. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Collision coverage – This pays for damage to your Pathfinder from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like sideswiping another vehicle, crashing into a ditch and hitting a mailbox. Collision is rather expensive coverage, so consider dropping it from older vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Comprehensive or Other Than Collision – Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like damage from flooding, rock chips in glass, vandalism and hitting a deer. The highest amount your insurance company will pay 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.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants as well as damage to your 2004 Nissan Pathfinder.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Feed the piggy bank

When shopping online for insurance, never reduce coverage to reduce premium. There are too many instances where an accident victim reduced full coverage and found out when filing a claim that it was a big error on their part. The proper strategy is to get the best coverage possible for the lowest price.

We covered some good ideas how to reduce 2004 Nissan Pathfinder insurance premium rates online. The key thing to remember is the more quotes you get, the better your chances of lowering your prices. You may be surprised to find that the lowest priced insurance comes from a lesser-known regional company. Smaller companies can often provide lower prices in certain areas as compared to the big name companies such as State Farm, GEICO and Nationwide.

Some insurance companies may not provide the ability to get a quote online and many times these regional insurance providers sell through independent agents. Cheap 2004 Nissan Pathfinder insurance can be bought both online as well as from insurance agents, so you need to compare both so you have a total pricing picture.

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