Want the cheapest Nissan Pathfinder insurance in Pittsburgh? When searching for cheaper insurance, are you frustrated by the number of car insurance providers that you can choose from? Drivers have so many choices that it can be a chore to compare premium rates on Nissan Pathfinder insurance. Pittsburgh is a good city to live in, but inflated car insurance prices can make it hard for many drivers to be able to afford adequate coverage.
It’s well known that insurance companies don’t want you to compare rates. People who shop around are highly likely to switch to a new company because there is a great chance of finding good coverage at a lower price. A recent car insurance study discovered that consumers who routinely compared quotes saved approximately $865 a year as compared to drivers who never shopped around.
If finding the most affordable Nissan Pathfinder insurance in Pittsburgh is your intention, then having some insight into the best ways to shop for insurance premiums can help make the process easier and more efficient.
To get the cheapest Nissan Pathfinder rate quotes, there a variety of ways to get quotes from many available insurance companies in Pennsylvania. The fastest way to lower the rate you pay for insurance consists of obtaining rate quotes online.
It’s important to know that quoting more increases the chance that you will find better pricing.
The companies in the list below have been selected to offer price quotes in Pittsburgh, PA. If you want to find the best cheap car insurance in Pittsburgh, PA, we suggest you click on several of them to find the most affordable car insurance rates.
Rates and statistics
The rate table shown below showcases detailed analysis of prices for Nissan Pathfinder models. Understanding how auto insurance policy rates are calculated can benefit drivers when making smart choices when comparing insurance rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Pathfinder S 2WD | $190 | $348 | $310 | $18 | $92 | $958 | $80 |
| Pathfinder S 4WD | $218 | $348 | $310 | $18 | $92 | $986 | $82 |
| Pathfinder SE 2WD | $218 | $348 | $310 | $18 | $92 | $986 | $82 |
| Pathfinder SE 4WD | $218 | $348 | $310 | $18 | $92 | $986 | $82 |
| Pathfinder LE 2WD | $246 | $424 | $310 | $18 | $92 | $1,090 | $91 |
| Pathfinder LE 4WD | $246 | $424 | $310 | $18 | $92 | $1,090 | $91 |
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Prices above based on married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Premium costs do not factor in zip code location which can decrease or increase prices significantly.
The example below shows how choosing a deductible and can influence Nissan Pathfinder insurance rates for different ages of insureds. The rate quotes are based on a single male driver, comp and collision included, and no discounts are applied.
Irresponsible driving raises your rates
The diagram below demonstrates how citations and at-fault claims impact Nissan Pathfinder car insurance rates for different age groups. The prices are based on a married female driver, comprehensive and collision coverage, $500 deductibles, and no discounts are applied to the premium.
Comparison of car insurance rates by gender and age in Pittsburgh
The illustration below compares Nissan Pathfinder auto insurance costs for male and female drivers. The rate quotes are based on no driving violations, no at-fault accidents, comprehensive and collision coverage, $250 deductibles, single status, and no discounts are factored in.
Cost of full coverage
The example below shows the comparison of Nissan Pathfinder insurance premiums when comparing full coverage to liability only. The rates are based on no tickets, no at-fault accidents, $1,000 deductibles, drivers are not married, and no additional discounts are factored in.
When to buy liability coverage only
There isn’t a steadfast formula for phasing out full coverage, but there is a general school of thought. If the annual cost of your full coverage insurance is more than around 10% of any settlement you would receive from your insurance company, then you may need to consider dropping full coverage.
For example, let’s pretend your Nissan Pathfinder replacement value is $4,000 and you have $1,000 deductibles. If your vehicle is severely damaged, you would only receive $3,000 after you pay the deductible. If you are paying more than $300 annually for full coverage, then you may need to consider dropping full coverage.
There are some circumstances where removing full coverage is not a good idea. If you haven’t paid off your loan, you must maintain physical damage coverage to satisfy the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should not buy liability only.
Learn How to Lower Your Insurance Premiums
Many things are used when you quote your car insurance policy. A few of the factors are predictable like a motor vehicle report, but some are less apparent such as your marital status or your vehicle rating.
Shown below are just a few of the factors companies use to determine premiums.
- Does your occupation cost you more? – Did you know that where you work can have an impact on rates? Careers like lawyers, business owners, and miners tend to have higher rates than the rest of us in part from job stress and lots of time spent at work. On the other hand, professions such as scientists, students and retirees have the lowest average rates.
- Never go without car insurance – Driving your car without having proper coverage is not a good idea and you will pay a penalty because you let your insurance lapse. Not only will you pay higher rates, getting caught without coverage may earn you a steep fine or even jail time.
- Premiums impacted by vehicle usage – Driving more miles each year the higher your rates will be. A lot of insurance companies calculate prices based upon how much you drive. Cars and trucks used primarily for pleasure use receive better premium rates than those used for commuting. Verify your car insurance declarations sheet states annual mileage, because improper ratings can cost you money. Improper usage on your Pathfinder can cost quite a bit.
- Deter vehicle theft – Purchasing a vehicle with advanced anti-theft systems can help lower your premiums. Systems that thwart thieves such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all help stop your car from being stolen.
- Do you know you’re credit rating? – A driver’s credit history can be a huge factor in determining what you pay for car insurance. If your credit history leaves room for improvement, you could save money insuring your Nissan Pathfinder if you clean up your credit. People with excellent credit scores tend to file fewer claims than drivers who have bad credit.
- More traffic means higher claims – Choosing to live in a rural area has it’s advantages if you are looking for the lowest rates. Drivers in populated areas tend to have more road rage incidents and a longer drive to work. Fewer people means less chance of accidents in addition to fewer liability claims.
- Do you need those incidental coverages? – Insurance companies have many optional add-on coverages that you can buy if you don’t pay attention. Insurance for things like rental car coverage, death and dismemberment, and membership fees could be just wasting money. These may sound like a good investment initially, but if you don’t need them get rid of them and save.
- Buy a safe car and pay less – Cars with high safety ratings cost less to insure. These vehicles result in less severe injuries and fewer injuries means less money paid by your insurance company which can result in lower premiums. If the Nissan Pathfinder is rated at a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.
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Insurance loss probability for a Nissan Pathfinder – Companies study historical loss data when they file their rates in each state. Vehicles that the statistics show to have higher loss trends will cost more to insure.
The table below outlines the actual insurance loss data for Nissan Pathfinder vehicles. For each insurance policy coverage type, the claim amount for all vehicles averaged together equals 100. Values that are below 100 suggest a better than average loss history, while numbers shown that are more than 100 indicate more frequent claims or tendency to have larger claims.
Car Insurance Loss Data for Nissan Pathfinder Models Vehicle Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Nissan Pathfinder 4dr 2WD 99 114 83 106 101 108 Nissan Pathfinder 4dr 4WD 111 121 89 108 97 105 BETTERAVERAGEWORSEData Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Why you need insurance
Even though it’s not necessarily cheap to insure a Nissan in Pittsburgh, maintaining insurance serves a purpose in several ways.
- Almost all states have minimum liability requirements which means you are required to buy specific minimum amounts of liability insurance coverage in order to drive the car. In Pennsylvania these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If you bought your Nissan with a loan, most lenders will make it mandatory that you have comprehensive coverage to guarantee payment of the loan. If you let the policy lapse, the lender will be forced to insure your Nissan at a significantly higher premium and require you to pay much more than you were paying before.
- Insurance preserves both your car and your personal assets. It will also provide coverage for medical bills for you, your passengers, and anyone else injured in an accident. One of the most valuable coverages, liability insurance, also pays expenses related to your legal defense if you are named as a defendant in an auto accident. If you have damage to your Nissan as the result of the weather or an accident, comprehensive and/or collision insurance will cover the repair costs.
The benefits of carrying enough insurance more than cancel out the cost, particularly when you have a large claim. The average driver in Pennsylvania overpays more than $850 per year so it’s recommended you shop around once a year at a minimum to be sure current rates are still competitive.