Would you like to find the cheapest Nissan Pathfinder insurance in Philadelphia? I doubt anyone enjoys paying for car insurance, especially when they are aware that they are paying too much.
A recent car insurance study revealed that the vast majority of drivers kept their coverage with the same car insurance company for a minimum of four years, and just under half have never quoted rates to find cheaper coverage. Pennsylvania drivers could save an average of as much as 55% each year just by comparing rates, but they don't know the amount of money they would save if they switched.
Drivers have so many insurance companies to purchase coverage from, and though it is a good thing to have a choice, more choices can make it harder to compare rates and cut insurance costs.
When shopping for Nissan Pathfinder insurance in Philadelphia there are multiple ways to compare rate quotes from different companies. The simplest method to find the lowest rates is to perform an online rate comparison.
Comparing free quotes online is easy and it, makes it obsolete to spend time driving to different Philadelphia agent offices. Comparing online rate quotes eliminates the middleman unless you have a complicated situation and need the professional assistance of an agent trained in personal lines coverage. It is possible with some companies get prices online and still use a local agent.
When price shopping your coverage, comparing a wide range of rates increases the chance that you will find a lower rate than you're paying now. Some insurance companies are not set up to provide online rate quotes, so it's necessary to compare prices on coverage from those companies, too.
The companies shown below are ready to provide free rate quotes in Philadelphia, PA. If multiple companies are listed, we suggest you visit two to three different companies to get the best price comparison.
Auto insurance statistics for a Nissan Pathfinder
The coverage information shown below showcases estimates of insurance premium costs for Nissan Pathfinder models. Learning more about how policy rates are determined can assist in making decisions when shopping your coverage around.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Pathfinder S 2WD||$174||$278||$336||$20||$100||$908||$76|
|Pathfinder S 4WD||$200||$278||$336||$20||$100||$934||$78|
|Pathfinder SE 2WD||$200||$278||$336||$20||$100||$934||$78|
|Pathfinder SE 4WD||$200||$278||$336||$20||$100||$934||$78|
|Pathfinder LE 2WD||$226||$338||$336||$20||$100||$1,020||$85|
|Pathfinder LE 4WD||$226||$338||$336||$20||$100||$1,020||$85|
|Get Your Own Customized Quote Go|
Price data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Rates do not factor in garaging location in Philadelphia which can alter auto insurance rates greatly.
Philadelphia insurance discounts
Companies that sell car insurance do not advertise every discount in a way that's easy to find, so the list below details some of the more common as well as the least known insurance savings. If they aren't giving you every credit available, you are paying more than you should be.
- Accident-Free Discounts - Insureds who avoid accidents and claims pay much less in comparison with accident-prone drivers.
- Distant College Student Discount - Older children who are attending college and won't have access to an insured vehicle may be able to be covered for less.
- Seat Belts Save - Requiring all passengers to buckle their seat belts can save up to 10 percent (depending on the company) on the premium charged for medical payments and/or PIP.
- Life Insurance Discount - Not every insurance company offers life insurance, but if they do you may earn a lower rate if you buy life insurance.
- Full Payment Discount - If paying your policy premium upfront rather than spreading payments over time you can avoid the installment charge.
- Passenger Safety Discount - Factory options such as air bags and/or automatic seat belt systems may earn rate discounts of 20 to 30 percent.
- Low Mileage - Low annual miles could qualify for better prices on cars that stay parked.
A little note about advertised discounts, most discounts do not apply to the overall cost of the policy. Some only apply to specific coverage prices like medical payments or collision. Even though it may seem like all those discounts means the company will pay you, insurance companies wouldn't stay in business.
The diagram below visualizes the comparison of Nissan Pathfinder yearly insurance costs with and without discounts applied to the policy rates. The prices are based on a female driver, no tickets, no at-fault accidents, Pennsylvania state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, claim-free, multi-car, safe-driver, homeowner, and marriage discounts applied.
To see insurance companies that provide some of the discounts listed above in Pennsylvania, follow this link.
Why you need insurance
Even though Philadelphia Pathfinder insurance rates can get expensive, insuring your vehicle is required in Pennsylvania but it also protects you in many ways.
First, almost all states have mandatory insurance requirements which means the state requires a specific minimum amount of liability insurance if you want to drive legally. 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.
Second, if you took out a loan on your Nissan Pathfinder, most banks will require you to have insurance to protect their interest in the vehicle. If you let the policy lapse, the bank will be required to insure your Nissan at a significantly higher premium and force you to reimburse them for the expensive policy.
Third, insurance protects both your vehicle and your assets. It will also pay for many types of medical costs for you, any passengers, and anyone injured in an accident. As part of your policy, liability insurance also covers all legal expenses up to the policy limit if you are sued as the result of an accident. If your Nissan gets damaged, collision and comprehensive coverages will pay to have it repaired.
The benefits of buying insurance definitely exceed the cost, especially when you need to use it. According to a recent study, the average American driver overpays more than $825 a year so you should quote your policy with other companies at every policy renewal to ensure rates are competitive.
Insurance agents can help
Always keep in mind that when comparing the best auto insurance coverage for your personal vehicles, there really is no one-size-fits-all type of policy. Your situation is unique so this has to be addressed. For example, these questions can aid in determining if you would benefit from professional advice.
- Will I be non-renewed for getting a DUI or other conviction?
- Why am I required to buy high-risk coverage?
- What are good deductibles for a Nissan Pathfinder?
- How long can I keep a teen driver on my policy?
- Why are teen drivers so expensive to add on to my policy?
- At what point should I drop full coverage?
If you're not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies.
Local neighborhood Philadelphia car insurance agents
A lot of people would prefer to have an agent's advice and we recommend doing that A nice benefit of price shopping on the web is that drivers can save money and get cheaper prices but still work with a licensed agent.
For easy comparison, once you complete this form (opens in new window), your insurance data is sent to participating agents in Philadelphia who will give competitive quotes and help you find cheaper coverage. You don't have to contact any agents due to the fact that quote results will go directly to you. You'll get the best rates AND a local agent. In the event you want to quote rates for a specific company, don't hesitate to visit that company's website and fill out the quote form the provide.
Finding the right insurance company should include more criteria than just the quoted price. The following questions are important to ask.
- Do they write coverage based solely on cost?
- Where are claims handled?
- When do they do policy reviews?
- Are there any discounts that you might be missing?
- Do they have any clout with companies to ensure a fair claim settlement?
- Does the agent recommend any additional coverage?
- Can they provide you with a list of referrals?
- Who is covered by the car insurance policy?
If you are wanting to purchase car insurance from a reliable insurance agent, it helps to know the two different types of agencies and how they operate. Car insurance agents are classified as either independent agents or exclusive agents.
Exclusive Insurance Agencies
These agents can usually just insure with one company and some examples include State Farm or Allstate. Exclusive agents cannot provide prices from multiple companies so they really need to provide good service. They are well trained on sales techniques which helps them sell on service rather than price.
The following is a short list of exclusive agencies in Philadelphia willing to provide rate quotes.
Independent agents can quote rates with many companies and that enables them to quote your coverage with many different companies enabling the ability to shop coverage around. To transfer your coverage to a different company, your agent can just switch to a different company and you don't have to do anything. When comparing car insurance rates, you should always get insurance quotes from at least one independent agent so that you have a good selection of quotes to compare.
Below are Philadelphia independent insurance agents willing to provide comparison quotes.