2004 Nissan Pathfinder Insurance Rates – 10 Savings Tips

Trying to find the cheapest auto insurance rates for your Nissan Pathfinder? Finding lower rates for auto insurance is nearly impossible for consumers new to comparison shopping online. You have so many options that it can turn into a real challenge to locate the lowest price.

Consumers need to check auto insurance prices before your policy renews because insurance rates are adjusted regularly by insurance companies. Just because you found the lowest price on Pathfinder insurance a year ago the chances are good that you can find a lower rate today. Block out anything you think you know about auto insurance because we’re going to demonstrate the fastest and easiest way to reduce your cost while improving coverage.

If you currently have a car insurance policy, you will be able to lower your premiums substantially using this strategy. Finding affordable coverage is quite easy. But vehicle owners must comprehend the methods companies use to market insurance on the web.

Vehicle Insurance Comparison

When shopping for insurance there are multiple ways of comparing rates and find the best price. The recommended way to compare 2004 Nissan Pathfinder insurance prices consists of shopping online. This can be accomplished in just a few minutes using one of these methods.

1. The fastest way to get quotes is a comparison rater form (click to open form in new window). This easy form keeps you from doing boring form submissions for every insurance company. A single form gets you price quotes direct from many companies. This is by far the quickest method.
2. Another way to obtain and compare quotes online consists of going to each individual company website and request a quote. For instance, let’s say you want comparison quotes from State Farm, Farmers and American Family. You would have to spend time on each company’s site to enter your coverage information, which is why the first method is more popular. For a handy list of car insurance company links in your area, click here.
3. The most time-consuming method of comparing rate quotes is to spend time driving to insurance agents’ offices. The internet can eliminate the need for a local agent unless you want the trained guidance of a licensed agent. It is possible to compare online quotes and still use a local agent. We’ll cover that shortly.

It’s up to you how you get prices quotes, just ensure you’re using identical coverage limits on every quote. If you have different liability limits you will not be able to make a fair comparison for your Nissan Pathfinder. Having just a slight variation in limits may cause a big price difference. It’s important to know that comparing more company’s prices helps you find the best offered rates.

Do I just need basic coverages?

When buying proper insurance coverage for your personal vehicles, there really is no best way to insure your cars. Everyone’s needs are different.

For example, these questions can help discover whether or not you would benefit from professional advice.

• Do I need replacement cost coverage on my 2004 Nissan Pathfinder?
• When would I need additional glass coverage?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Are all vehicle passengers covered by medical payments coverage?
• Do I get a pro-rated refund if I cancel my policy early?
• Does coverage extend to Mexico or Canada?
• Am I covered if I drive in a foreign country?
• Does my car insurance cover rental cars?
• How can I get high-risk coverage after a DUI?
• Should I rate my 2004 Nissan Pathfinder as pleasure use or commute?

If you don’t know the answers to these questions but you know they apply to you 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.

Car insurance coverage breakdown

Knowing the specifics of your car insurance policy can be of help when determining which coverages you need and proper limits and deductibles. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills like ambulance fees, EMT expenses and surgery. They are used to fill the gap from your health insurance program or if you are not covered by health insurance. They cover you and your occupants as well as being hit by a car walking across the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability insurance

Liability coverage will cover injuries or damage you cause to people or other property that is your fault. 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 policy limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Another option is one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as repair bills for other people’s vehicles, loss of income and funeral expenses. How much coverage you buy is your choice, but buy higher limits if possible.

Comprehensive or Other Than Collision

This coverage pays for damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like vandalism, a broken windshield and theft. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision protection

Collision insurance will pay to fix damage to your Pathfinder from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like hitting a mailbox, driving through your garage door, rolling your car, damaging your car on a curb and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Drivers also have the option to increase the deductible to bring the cost down.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered claims 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, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.