1998 Nissan Pathfinder Insurance Rates

Trying to find better insurance rates for your Nissan Pathfinder? Overpriced Nissan Pathfinder insurance can drain your checking account and make it hard to pay other bills. Comparison shopping is free and is an excellent way to help make ends meet. Many car insurance companies compete for your business, so it’s not easy to compare every insurer to get the lowest rate

You should make it a habit to price shop coverage every six months because insurance rates are usually higher with each renewal. If you had the lowest price on Pathfinder coverage a year ago you may be paying too much now. You can find a lot of wrong information about insurance online but we’re going to give you some great ideas on how to slash your insurance rates.

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Don’t pay full price with these discounts

Companies offering auto insurance do not list all their discounts in a way that’s easy to find, so the following is a list of some of the best known as well as the least known discounts you could be receiving. If you aren’t receiving every discount you qualify for, you are paying more than you should be.

  • Discount for New Cars – Insuring a new car can cost up to 25% less compared to insuring an older model.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems can help prevent theft and will save you 10% or more.
  • Discount for Good Grades – Getting good grades can be rewarded with saving of up to 25%. The good student discount can last until age 25.
  • Braking Control Discount – Vehicles with anti-lock braking systems can reduce accidents and will save you 10% or more.
  • Drivers Ed for Students – Require your teen driver to enroll in driver’s education if offered at their school.
  • Resident Student – Kids in college living away from home attending college and do not have access to a covered vehicle may qualify for this discount.
  • Multi-car Discount – Buying insurance for more than one vehicle on one policy could earn a price break for each car.
  • Low Mileage – Keeping the miles down on your Nissan can earn discounted rates on garaged vehicles.

As a disclaimer on discounts, many deductions do not apply to your bottom line cost. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. So despite the fact that it appears all those discounts means the company will pay you, you’re out of luck.

Car insurance companies who might offer these money-saving discounts are:

It’s a good idea to ask all companies you are considering what discounts are available to you. Savings may not be available in your state.

Your personal situation dictates your coverage

When buying the right insurance coverage for your vehicles, there really is no cookie cutter policy. Everyone’s situation is unique so this has to be addressed. These are some specific questions may help highlight whether your personal situation might need an agent’s assistance.

  • How high should deductibles be on a 1998 Nissan Pathfinder?
  • Is a new car covered when I drive it off the dealer lot?
  • How do I file an SR-22 for a DUI in my state?
  • What is the difference between comprehensive and collision coverage?
  • Why am I required to get a high-risk car insurance policy?
  • How much liability do I need to cover my assets?
  • Is my state a no-fault state?
  • Are rental cars covered under my policy?
  • Are all vehicle passengers covered by medical payments coverage?

If you’re not sure about those questions, you may need to chat with a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier It’s fast, free and you can get the answers you need.

Insurance coverages 101

Having a good grasp of insurance aids in choosing the right coverages for your vehicles. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Listed below are typical coverage types found on most insurance policies.

Collision coverage

Collision insurance covers damage to your Pathfinder caused by collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things like backing into a parked car, rolling your car, hitting a parking meter and hitting a mailbox. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to get cheaper collision coverage.

Liability insurance

Liability insurance protects you from injuries or damage you cause to people or other property that is your fault. This coverage protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 50/100/50 which means a $50,000 limit per person for injuries, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability coverage protects against claims such as pain and suffering, structural damage and court costs. How much liability should you purchase? That is a personal decision, but you should buy higher limits if possible.

UM/UIM Coverage

This provides protection when other motorists are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Nissan Pathfinder.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Comprehensive or Other Than Collision

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like fire damage, hail damage, a tree branch falling on your vehicle and a broken windshield. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical costs insurance

Medical payments and Personal Injury Protection insurance kick in for immediate expenses for things like hospital visits, nursing services and pain medications. They can be utilized in addition to your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and also covers any family member struck as a pedestrian. PIP coverage is not universally available and may carry a deductible

Shop around and save

We just presented many ideas to compare 1998 Nissan Pathfinder insurance prices online. The most important thing to understand is the more rate quotes you have, the higher the chance of saving money. You may even find the most savings is with a small mutual company. These companies can often provide lower rates in certain areas than their larger competitors like Allstate and Progressive.

Cost effective insurance is attainable on the web as well as from independent agents, so you should be comparing quotes from both to have the best rate selection. A few companies don’t offer online quoting and many times these small, regional companies only sell through independent insurance agents.

For more information, take a look at these articles:

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