Cheapest Insurance for a Nissan Pathfinder in Chandler

Insurance for Nissan PathfinderIf your goal is the lowest price, then the best way to find cheaper prices for auto insurance rates in Chandler is to annually compare prices from companies in Arizona. Price quotes can be compared by following these guidelines.

  1. Spend a few minutes and learn about how car insurance works and the modifications you can make to prevent high rates. Many policy risk factors that are responsible for high rates such as speeding and an unacceptable credit rating can be remedied by being financially responsible and driving safely.
  2. Compare price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only quote rates from one company like GEICO or Farmers Insurance, while independent agencies can quote prices from many different companies.
  3. Compare the price quotes to your current policy premium and see if you can save money. If you find better rates and buy the policy, make sure coverage does not lapse between policies.

The critical component of shopping around is to use the same physical damage deductibles and liability limits on each price quote and and to analyze as many companies as feasibly possible. Doing this ensures a level playing field and a complete price analysis.

We don’t have to tell you that auto insurance companies don’t want you quoting rates from other companies. People who shop around for cheaper prices will probably move their business because the odds are good of finding a policy with better rates. A recent car insurance study discovered that consumers who shopped around every year saved over $70 a month compared to people who never shopped for cheaper rates.

If finding low prices for insurance in Chandler is your ultimate goal, then having a grasp of how to quote prices and compare auto insurance can save time and money.

The goal of this article is to help educate you on how to get online quotes and some tricks to saving. If you are insured now, you will most likely be able to find better prices using these methods. Comparison shoppers only need an understanding of how to quote multiple rates online.

Discount Chandler insurance quotes

Some providers don’t always list all possible discounts very well, so we took the time to find a few of the more well known and also the more inconspicuous discounts that you may qualify for. If you check and find you aren’t receiving every discount possible, you’re just leaving money on the table.

Don’t be shocked that most of the big mark downs will not be given to the whole policy. Most cut the cost of specific coverages such as comprehensive or collision. So even though it sounds like having all the discounts means you get insurance for free, you aren’t that lucky.

The chart below illustrates the difference between Nissan Pathfinder car insurance costs with and without discounts applied to the policy rates. The data is based on a male driver, no claims, a clean driving record, Arizona state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, homeowner, marriage, multi-car, and multi-policy discounts applied.

Insurance companies that have these discounts may include but are not limited to:

If you want cheaper Chandler car insurance quotes, ask each company or agent which discounts you may be entitled to. Some of the earlier mentioned discounts might not be offered on policies in your area. To see providers who offer cheap Nissan Pathfinder insurance quotes in Arizona, click here.

Most of the larger companies such as 21st Century, Allstate and State Farm allow you to get prices online. Getting quotes for Nissan Pathfinder insurance in Chandler is possible for anyone as you just enter your personal and coverage information into a form. Upon sending the form, the quote system requests credit information and your driving record and quotes a price based on these and other factors.

Getting online rate quotes for Nissan Pathfinder insurance in Chandler streamlines rate comparisons, and it is important to do this if you want to find the most affordable premium possible.

In order to find out how much you’re overpaying now, take a look at the companies shown below. To compare your current rates, we recommend you replicate deductibles and limits as close as possible to your current policy. Doing this assures you will get comparison quotes using the exact same coverages.

The providers in the list below are ready to provide price comparisons in Chandler, AZ. If you want to find cheap car insurance in Arizona, we recommend you visit two to three different companies to get a more complete price comparison.

Rates and other information

The coverage information below highlights detailed analysis of rate quotes for Nissan Pathfinder models. Understanding how insurance quotes are calculated is important to be able to make informed coverage decisions.

Nissan Pathfinder Insurance Rates in Chandler, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pathfinder S 2WD $126 $214 $282 $16 $84 $722 $60
Pathfinder S 4WD $146 $214 $282 $16 $84 $742 $62
Pathfinder SE 2WD $146 $214 $282 $16 $84 $742 $62
Pathfinder SE 4WD $146 $214 $282 $16 $84 $742 $62
Pathfinder LE 2WD $164 $262 $282 $16 $84 $808 $67
Pathfinder LE 4WD $164 $262 $282 $16 $84 $808 $67
Get Your Own Custom Quote Go

Premium data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Premium amounts do not factor in Chandler location which can change price quotes noticeably.

Physical damage deductible comparison

When buying auto insurance, a common question is where to set your physical damage deductibles. The premium rates below can help show the rate differences of buying low and high deductibles. The first data table uses a $100 comprehensive and collision deductible and the second price chart uses a $500 deductible.

Nissan Pathfinder insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pathfinder S 2WD $224 $382 $300 $18 $90 $1,039 $87
Pathfinder S 4WD $258 $382 $300 $18 $90 $1,073 $89
Pathfinder SE 2WD $258 $382 $300 $18 $90 $1,073 $89
Pathfinder SE 4WD $258 $382 $300 $18 $90 $1,073 $89
Pathfinder LE 2WD $292 $466 $300 $18 $90 $1,191 $99
Pathfinder LE 4WD $292 $466 $300 $18 $90 $1,191 $99
Get Your Own Custom Quote Go

Nissan Pathfinder insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pathfinder S 2WD $164 $258 $300 $18 $90 $830 $69
Pathfinder S 4WD $188 $258 $300 $18 $90 $854 $71
Pathfinder SE 2WD $188 $258 $300 $18 $90 $854 $71
Pathfinder SE 4WD $188 $258 $300 $18 $90 $854 $71
Pathfinder LE 2WD $212 $314 $300 $18 $90 $934 $78
Pathfinder LE 4WD $212 $314 $300 $18 $90 $934 $78
Get Your Own Custom Quote Go

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Rate information does not factor in the specific area where the vehicle is garaged which can decrease or increase rates substantially.

We can estimate from the data above that using a $100 deductible would cost the average driver about $19 more each month or $228 a year than choosing the higher $500 deductible. Because you would pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you usually have at least 21 months between claim filings, you would probably save some money if you choose the higher deductible.

The example below illustrates how your choice of deductibles and can affect Nissan Pathfinder insurance premiums for different categories of driver ages. The rates are based on a single female driver, full physical damage coverage, and no additional discounts are factored in.

Comparison of full coverage and liability-only policies

The illustration below shows the comparison of Nissan Pathfinder insurance premiums with liability coverage only compared to full coverage. The costs are based on no driving violations, no at-fault accidents, $1,000 deductibles, drivers are single, and no additional discounts are factored in.

When to switch to liability coverage only

There isn’t a steadfast formula for eliminating full coverage on your policy, but there is a general guideline. If the annual cost of comprehensive and collision coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then you might consider buying liability only.

For example, let’s assume your Nissan Pathfinder replacement cost is $5,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most you would get paid by your company is $4,000 after the policy deductible has been paid. If you are paying in excess of $400 annually for full coverage, then you may need to consider dropping full coverage.

There are some conditions where only buying liability is not advised. If you still have a lienholder on your title, you are required to maintain full coverage in order to keep the loan. Also, if you don’t have enough money to buy a different vehicle in case of an accident, you should not drop full coverage.

Do I need a local insurance agent?

Many drivers just prefer to visit with an insurance agent and that is OK! Most agents are trained risk managers and will help you if you have claims. The biggest benefit of getting free rate quotes online is the fact that drivers can get lower rates and still choose a local agent. And providing support for local agencies is still important in Chandler.

Insurance agency in ChandlerOnce you complete this form (opens in new window), the quote information is transmitted to local insurance agents who will give competitive quotes for your insurance coverage. It makes it easy because there is no need to contact any agents as quotes are delivered instantly to you. If you want to quote rates from a specific insurance company, don’t hesitate to find their quoting web page and submit a quote form there.

If you would like to find a reliable insurance agency, you need to know there are two types of insurance agents and how they operate. Insurance agents can be classified as either exclusive or independent (non-exclusive). Either can do a good job, but it’s important to know the differences since it can impact which type of agent you select.

Independent Insurance Agencies or Brokers

These type of agents are not restricted to one company so as a result can place your coverage through many different insurance companies and find you cheaper rates. To move your coverage to a new company, they simply move the coverage in-house without you having to go to a different agency.

When searching for an agent, we highly recommend that you get several quotes from multiple independent agents to get the best comparison. Most can insure with mutual insurance companies which may have better rates.

Below are independent insurance agents in Chandler that may be able to provide free insurance rate quotes.

View more Chandler agents

Exclusive Insurance Agencies

Agents that choose to be exclusive can only place business with one company and examples are State Farm, Allstate, or Farmers Insurance. They are unable to provide other company’s prices so it’s a take it or leave it situation. These agents are highly trained on their company’s products which helps them sell insurance even at higher premiums. Drivers often buy insurance from these agents mostly because of loyalty to the company and the convenience of having a single billing for all their coverages.

Listed below are Chandler exclusive insurance agents who can help you get rate quotes.

View more Chandler agents

Finding a good auto insurance agent is decision based upon more than just the premium amount. The following questions are important to ask.

Three reasons to insure your Nissan vehicle

Despite the high cost, maintaining insurance is required for several reasons.

First, almost all states have mandatory liability insurance requirements which means the state requires a minimum amount of liability protection in order to drive the car legally. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if you bought your vehicle with a loan, most lenders will force you to have full coverage to guarantee loan repayment. If coverage lapses or is canceled, the bank will be required to insure your Nissan at a more expensive rate and require you to pay much more than you were paying before.

Third, auto insurance preserves not only your car but also your financial assets. It will also cover many types of medical costs for you, any passengers, and anyone injured in an accident. Liability coverage also pays expenses related to your legal defense if anyone sues you for causing an 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 damage repairs after a deductible is paid.

The benefits of buying auto insurance definitely exceed the price paid, especially for larger claims. Unknowingly, the average driver is wasting up to $855 a year so compare rates once a year at a minimum to be sure current rates are still competitive.

Learn about car insurance coverages for a Nissan Pathfinder

Having a good grasp of car insurance aids in choosing which coverages you need at the best deductibles and correct limits. Car insurance terms can be impossible to understand and nobody wants to actually read their policy.

Auto collision coverage

Collision coverage covers damage to your Pathfinder resulting from a collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like sideswiping another vehicle, damaging your car on a curb, hitting a parking meter and crashing into a ditch. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. It’s also possible to raise the deductible on your Pathfinder to get cheaper collision coverage.

Comprehensive auto coverage

This coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like damage from getting keyed, fire damage, hail damage, hitting a deer and vandalism. The most your car insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical payments and PIP coverage

Med pay and PIP coverage kick in for immediate expenses for things like hospital visits, funeral costs, prosthetic devices and doctor visits. They are utilized in addition to your health insurance plan or if you are not covered by health insurance. Coverage applies to all vehicle occupants as well as being hit by a car walking across the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage provides protection when the “other guys” do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage limits (Arizona limits are 15/30/10), their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Most of the time these coverages are identical to your policy’s liability coverage.

Liability coverages

Liability coverage protects you from injuries or damage you cause to other people or property in an accident. It protects you against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 15/30/10 which means $15,000 in coverage for each person’s injuries, a total of $30,000 of bodily injury coverage per accident, and $10,000 of coverage for damaged property. Another option is a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for things such as structural damage, repair bills for other people’s vehicles, funeral expenses and emergency aid. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as large an amount as possible. Arizona state law requires minimum liability limits of 15/30/10 but you should think about purchasing higher limits.

The next chart shows why the minimum limit may not be high enough to cover claims.

In conclusion

When shopping online for insurance, never skimp on critical coverages to save a buck or two. In many cases, drivers have reduced physical damage coverage and learned later that a couple dollars of savings turned into a financial nightmare. Your focus should be to buy a smart amount of coverage at a price you can afford, not the least amount of coverage.

People leave their current company for any number of reasons including high prices, policy cancellation, delays in paying claims or delays in responding to claim requests. No matter why you want to switch, finding the right insurance provider is less work than it seems.

We covered some good ideas how you can lower your Nissan Pathfinder insurance prices in Chandler. The most important thing to understand is the more you quote Chandler car insurance, the higher the chance of saving money. You may even be surprised to find that the biggest savings come from the least-expected company.

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