How Much Does 1999 Nissan Pathfinder Car Insurance Cost?

Are you tired of scraping the payment together to insure your Nissan every month? You are in the same boat as many other consumers. Big companies like State Farm, Geico and Farmers Insurance constantly bombard you with ad campaigns and it is challenging if not impossible to see past the corporate glitz and effectively compare rates to find the best deal.

You should take the time to check insurance coverage prices quite often since rates change frequently. Just because you had the best price on Pathfinder coverage last year you can probably find a better price now. Ignore everything you know about insurance coverage because you’re about to learn the best way to find better coverage at a better price.

Lesser-known factors impacting Nissan Pathfinder insurance rates

An important part of buying insurance is that you know the rating factors that play a part in calculating insurance rates. Having a good understanding of what determines base rates helps enable you to make changes that can help you get big savings.

  • You might want pay the small claims yourself – Car insurance companies generally give lower rates to insureds who do not file claims often. If you frequently file small claims, you can pretty much guarantee either higher rates or even cancellation. Insurance coverage is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
  • Higher safety ratings means cheaper insurance – Cars with high safety ratings get lower rates. The safest vehicles protect occupants better and any reduction in injury severity translates into fewer and smaller insurance claims passed on to you as lower rates. If your Nissan Pathfinder earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.
  • A clean driving record saves money – Careful drivers have lower premiums than bad drivers. Even one citation can boost insurance rates twenty percent or more. If you have serious violations such as reckless driving, hit and run or driving under the influence may find they need to file a SR-22 to the state department of motor vehicles in order to continue driving.
  • Poor credit can mean higher rates – Your credit score is a huge factor in determining what you pay for insurance. So if your credit is lower than you’d like, you could potentially save money when insuring your 1999 Nissan Pathfinder by repairing your credit. Drivers who have high credit ratings tend to be better drivers and file fewer claims than those with poor credit.
  • Lower rates come with age – Older drivers tend to be more responsible, statistically cause fewer accidents and tend to be better behind the wheel. Youthful drivers are statistically proven to be more careless behind the wheel and because of this, their insurance rates are much higher.
  • Being married is a good thing – Having a spouse can get you a discount on your policy. Marriage usually means you are more mature and responsible and statistics show married drivers get in fewer accidents.
  • Protect your assets with liability insurance – Liability coverage will protect you in the event that a jury decides you are liable for damages caused by your negligence. Liability provides you with a defense in court which can cost thousands of dollars. Liability is cheap when compared with rates for comp and collision, so do not cut corners here.

Lower rates by qualifying for discounts

Auto insurance companies don’t list all their discounts in an easy-to-find place, so we researched some of the more common as well as the least known savings tricks you should be using. If they aren’t giving you every credit you qualify for, you’re paying more than you need to.

  • One Accident Forgiven – A few companies allow you one accident without raising rates as long as you don’t have any claims for a particular time prior to the accident.
  • Discount for Swiching Early – Select companies give a discount for switching to them before your current expiration date. The savings is around 10%.
  • Drive Less and Save – Low mileage vehicles can qualify you for lower rates on the low mileage vehicles.
  • Multiple Policy Discount – When you have multiple policies with one insurance company you may save approximately 10% to 15%.
  • Multiple Cars – Buying insurance for all your vehicles on the same car insurance policy may reduce the rate for each vehicle.
  • Safe Drivers – Safe drivers can pay as much as 50% less on Pathfinder coverage than their less cautious counterparts.

It’s important to understand that most discounts do not apply to the overall cost of the policy. Some only reduce the cost of specific coverages such as liability and collision coverage. So despite the fact that it appears all those discounts means the company will pay you, you won’t be that lucky.

A partial list of companies that may have these money-saving discounts may include but are not limited to:

Before buying, ask each insurance company what discounts are available to you. Savings may not apply everywhere.

Car insurance is unique, just like you

When it comes to choosing proper insurance coverage, there isn’t really a “perfect” insurance plan. Everyone’s situation is a little different and a cookie cutter policy won’t apply. Here are some questions about coverages that can aid in determining whether your personal situation could use an agent’s help.

  • When should I not file a claim?
  • Do I need to file an SR-22 for a DUI in my state?
  • Do I have coverage for damage caused while driving under the influence?
  • Do I need motorclub coverage?
  • How do I insure my teen driver?
  • Is business property covered if stolen from my car?
  • Do I have coverage when making deliveries for my home business?
  • Will I lose any money if I cancel my policy before it expires?
  • What if I don’t agree with a claim settlement offer?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Auto insurance coverages explained

Having a good grasp of your auto insurance policy helps when choosing which coverages you need and the correct deductibles and limits. Policy terminology can be confusing and coverage can change by endorsement. Listed below are typical coverage types available from auto insurance companies.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” 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, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Medical expense insurance

Coverage for medical payments and/or PIP provide coverage for expenses like EMT expenses, prosthetic devices, nursing services and rehabilitation expenses. They are utilized in addition to your health insurance plan or if you lack health insurance entirely. They cover you and your occupants and also covers getting struck while a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability

Liability coverage will cover damage or injury you incur to other’s property or people by causing an accident. It protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 100/300/100 which stand for $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability coverage pays for claims like loss of income, court costs, repair bills for other people’s vehicles and attorney fees. How much liability coverage do you need? That is a personal decision, but buy as much as you can afford.

Comprehensive (Other than Collision)

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against things like falling objects, rock chips in glass, vandalism and fire damage. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Auto collision coverage

This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as hitting a mailbox, hitting a parking meter and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Another option is to choose a higher deductible to save money on collision insurance.

In any little way, save everyday

We just presented some good ideas how to lower your 1999 Nissan Pathfinder insurance rates. It’s most important to understand that the more you quote, the better your comparison will be. You may even discover the lowest rates come from the smaller companies. They often have lower prices on specific markets than the large multi-state companies such as Allstate, Geico and Progressive.

Affordable insurance can be found both online in addition to many insurance agents, and you should be comparing both in order to have the best price selection to choose from. A few companies do not provide the ability to get a quote online and these smaller companies work with independent agents.

When trying to cut insurance costs, you should never reduce needed coverages to save money. There are a lot of situations where an insured dropped full coverage and discovered at claim time that the savings was not a smart move. The aim is to buy enough coverage at the best price while not skimping on critical coverages.

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