Cheap Insurance for a Nissan Pathfinder in Columbus

If your goal is the lowest price, then the best way to get affordable Nissan Pathfinder insurance in Columbus is to regularly compare price quotes from providers who provide auto insurance in Ohio.

1. Gain an understanding of car insurance and the steps you can take to lower rates. Many policy risk factors that increase rates such as at-fault accidents, careless driving, and a substandard credit history can be eliminated by making minor driving habit or lifestyle changes.
2. Compare price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can give quotes from a single company like Progressive or State Farm, while independent agents can quote prices from multiple insurance companies.
3. Compare the new quotes to the premium of your current policy to see if a cheaper rate is available in Columbus. If you can save money, ensure there is no coverage lapse between policies.

One piece of advice is that you’ll want to make sure you compare identical limits and deductibles on each price quote and to quote with as many companies as possible. Doing this provides an accurate price comparison and the best price selection.

It goes without saying that insurance companies don’t want policyholders to compare prices from other companies. Consumers who shop for lower rates are very likely to switch to a new company because there is a high probability of finding good coverage at a lower price. A recent survey discovered that drivers who compared rates regularly saved over $860 a year compared to people who don’t make a habit of comparing rates.

If finding the lowest rates on Nissan Pathfinder insurance is your target objective, then having an understanding of how to compare insurance can help simplify the process.

Locating the most cost-effective insurance policy in Columbus is actually not that difficult if you follow our advice. If you’re already insured, you will most likely be able to lower your rates using the techniques presented in this article. Nevertheless, Ohio consumers must learn the way companies sell online because rates fluctuate considerably.

Companies offering affordable Nissan Pathfinder prices in Columbus, OH

The companies shown below are ready to provide price comparisons in Ohio. If the list has multiple companies, we suggest you compare several of them to get the best price comparison.

Nissan Pathfinder insurance charts and tables

The coverage table displayed next highlights a range of policy rates for Nissan Pathfinder models. Understanding more about how insurance policy rates are determined can help customers make smart choices when choosing a car insurance company.

Data rating is based on married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Price estimates do not factor in specific location information which can alter premiums considerably.

Auto insurance deductibles

One common question asked by Columbus drivers is the level to set your comp and collision deductibles. The following tables outline how much more you’ll pay between high and low physical damage deductibles. The first table uses a $250 deductible for comprehensive and collision coverage and the second rate chart uses a $500 deductible.

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Rate quotes do not factor in specific Columbus garaging location which can modify coverage prices noticeably.

Based on the above data, using a $250 deductible will cost you about $10 more each month or $120 for a full year than choosing the higher $500 deductible. Since the policyholder would be required to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you normally average at a minimum 25 months between claims, you would come out ahead if you elect the higher deductible.

The example below illustrates how choosing a deductible and can increase or decrease Nissan Pathfinder insurance costs for each different age group. The rates are based on a married male driver, full coverage, and no discounts are applied to the premium.

Irresponsible driving raises your rates

The information below demonstrates how traffic citations and at-fault fender-benders impact Nissan Pathfinder insurance costs for different insured age categories. The premiums assume a married male driver, full physical damage coverage, $250 deductibles, and no discounts are applied.

Does it make sense to buy full coverage?

The diagram below shows the difference between Nissan Pathfinder insurance costs when comparing full coverage to liability only. The data is based on no accidents or driving violations, $250 deductibles, single status, and no discounts are applied.

Are you wasting money paying for full coverage?

There isn’t a steadfast formula of when to exclude physical damage insurance, but there is a general school of thought. If the yearly cost of comp and collision coverage is more than 10% of the vehicle’s replacement cost less your deductible, then you may want to consider only buying liability coverage.

For example, let’s pretend your Nissan Pathfinder settlement value is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most your company will settle for is $3,000 after paying the physical damage deductible. If premiums are more than $300 a year for your policy with full coverage, the it may be a good time to stop paying for full coverage.

There are some situations where dropping full coverage is not in your best interest. If you still owe a portion of the original loan, you have to carry full coverage to protect the lienholder’s interest in the vehicle. Also, if you don’t have enough money to buy a different vehicle in the even your car is totaled, you should not consider dropping full coverage.

Informed Consumers Save More

Multiple criteria are part of the equation when pricing auto insurance. Some of the criteria are obvious such as your driving record, but others are less obvious like where you live or how safe your car is. The best way to find cheaper car insurance is to take a look at some of the things that help determine car insurance rates. If you have some idea of what determines premiums, this allows you to make good choices that could help you find lower premium levels.

The factors shown below are some of the most common factors car insurance companies consider when setting premiums.

• Where do you drive? – Driving more miles in a year the higher your rate. Many insurance companies apply a rate determined by how the vehicle is used. Cars and trucks left parked in the garage receive lower rates as compared to vehicles used primarily for driving to work. Incorrect rating for your Pathfinder is just wasting money. Make sure your policy is rated on the right rating data.
• Only buy what you need – Policies have optional add-on coverages you can purchase if you aren’t diligent. Coverages for rental car coverage, death and dismemberment, and additional equipment coverage are some examples. You may think they are a good idea when talking to your agent, but your needs may have changed so consider taking them off your policy.

• Lower performance equals lower insurance prices – The type of car or truck you are insuring makes a significant difference in your premium level. Small economy passenger cars normally have pretty low rates, but the cost you end up paying is determined by many additional factors.

  The following chart uses these assumptions: single male driver age 50, full coverage with $250 deductibles, and no discounts or violations. The chart compares Nissan Pathfinder car insurance rates compared to other vehicles that have a range of performance rating factors.

• Bundle policies and save – The majority of insurers will award better rates to policyholders that purchase more than one policy such as combining an auto and homeowners policy. The discount can add up to 10 percent or more. Even if you already get this discount, consumers should still get quotes from other companies to help ensure you have the lowest rates.
• Responsible credit saves on car insurance – An insured’s credit score can be an important factor in your rate calculation. Therefore, if your credit history is lower than you’d like, you could potentially save money when insuring your Nissan Pathfinder if you improve your credit rating. Consumers who have excellent credit scores tend to be more responsible than those with bad credit.
• Liability insurance – Liability insurance provides coverage if ever a jury decides you are liable for an accident. It provides you with a defense in court which can be incredibly expensive. This coverage is relatively inexpensive compared to comp and collision, so do not cut corners here.

• Insurance losses for a Nissan Pathfinder – Insurance companies factor in insurance loss information in order to profitably underwrite each model. Vehicles that historically have higher claim amounts or frequency will have higher rates for specific coverages.

  The next table shows the collected loss data for Nissan Pathfinder vehicles. For each type of coverage, the claim amount for all vehicles, as a total average, is equal to 100. Values that are 100 or less indicate a favorable loss history, while values that are above 100 indicate more frequent losses or statistically larger claims.

  
  

  Insurance Loss Ratings for Nissan Pathfinder Vehicles

  Specific Nissan 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

  BETTER

  AVERAGE

  WORSE

  Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Get affordable rates with discounts

Companies don’t list every discount in a way that’s easy to find, so below is a list a few of the more common and also the more inconspicuous discounts that you can inquire about if you buy Columbus car insurance online.

• Military Discounts – Being on active deployment in the military could be rewarded with lower prices.
• Student Discount for Driver Training – Have your child enroll and complete driver’s education in high school.
• Full Payment Discount – By paying your entire bill at once instead of making monthly payments you could save up to 5%.
• Club Memberships – Having an affiliation with qualifying clubs or civic groups is a simple method to lower premiums when shopping for car insurance.
• Federal Government Employee – Active or retired federal employment may qualify for a discount when you quote Columbus car insurance depending on your company.

Don’t be surprised that some of the credits will not apply to the entire cost. A few only apply to specific coverage prices like liability, collision or medical payments. So when the math indicates all those discounts means the company will pay you, it doesn’t quite work that way.

The diagram below visualizes the comparison of Nissan Pathfinder premium costs with and without discounts being applied to the rates. The rates are based on a female driver, no tickets, no at-fault accidents, Ohio state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, homeowner, multi-policy, marriage, safe-driver, and claim-free discounts applied.

Insurance companies who may offer most of these discounts are:

• American Family
• Farm Bureau
• State Farm
• Travelers
• The Hartford
• GEICO
• Progressive

If you are trying to find the cheapest Nissan Pathfinder rate quotes, ask every prospective company which discounts you may be entitled to. All car insurance discounts may not be offered everywhere. For a list of companies that have a full spectrum of discounts in Ohio, click here to view.

Insurance agent or online?

Some consumers just want to get professional advice from a licensed agent and there is nothing wrong with that. One of the benefits of price shopping on the web is that you can find cheap rate quotes and still have a local agent.

Upon completion of this quick form, the quote information gets sent to local insurance agents in Columbus that can give you free Columbus car insurance quotes for your insurance coverage. You never need to leave your computer as quotes are delivered immediately to your email address. You can find the lowest rates AND an agent nearby. If you need to get a comparison quote from a specific company, just visit that company’s website and complete a quote there.

Picking an provider is decision based upon more than just the price. The following questions are important to ask.

• Can glass claims be handled at your home?
• Do the companies they represent have a solid financial rating?
• In the event of vehicle damage, can you pick the collision repair facility?
• Which family members are covered?
• Will their companies depreciate repairs to your car based on the mileage?
• Does the company have a local claim office in Columbus?
• Will the quote change when the policy is issued?

If you are wanting to find a reliable agent, it’s important to understand the different types of agents and how they can write your policy. Insurance agencies can be categorized as either independent agents or exclusive agents depending on their employer.

Exclusive Insurance Agents

Exclusive agents write business for a single company and some examples include Farmers Insurance, American Family, State Farm and Allstate. They are unable to give you multiple price quotes so they have to upsell other benefits. Exclusive agencies are very knowledgeable on what they offer which helps overcome the inability to quote other rates.

Listed below is a short list of exclusive agents in Columbus who can help you get rate quotes.

More Columbus agents

Independent Insurance Agents

Independent agencies do not have single company limitations so they can write business with a variety of different insurance companies and find you the best rates. If prices rise, they can switch companies in-house and you stay with the same agent.

If you need cheaper insurance rates, we highly recommend that you contact several independent insurance agents so that you have a good selection of quotes to compare.

Shown below is a short list of independent agents in Columbus that can give you comparison quotes.

More Columbus agents

If you get acceptable answers to your questions as well as offering an affordable quote, it’s possible that you found a car insurance agent that is professional and can service your policy.

Situations that may require an agent’s advice

When quoting and comparing coverage online or from an agent, there really isn’t a “perfect” insurance plan. Your situation is unique and your auto insurance should unique, too.
Here are some questions about coverages that can aid in determining if your situation could use an agent’s help.

• Is my camper covered by my car insurance policy?
• Can I pay claims out-of-pocket if I buy high deductibles?
• What is roadside assistance coverage?
• Is upholstery damage covered by car insurance?
• Is my custom paint covered by insurance?
• Are there any extra discounts I can get?
• Does my personal policy cover me when driving out-of-state?
• Should I buy more coverage than the required Ohio minimum liability coverage?
• Should I sign the liability waiver when renting a car?
• What are the financial responsibility laws in my state?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies.

Persistence is the key to cheap rates

As you go through the steps to switch your coverage, it’s not a good idea to skimp on coverage in order to save money. In many cases, an insured dropped full coverage and discovered at claim time that it was a big mistake. The goal is to buy a smart amount of coverage at an affordable rate while not skimping on critical coverages.

We’ve covered a lot of information how to reduce Nissan Pathfinder insurance prices online in Columbus. It’s most important to understand that the more times you quote, the better your chances of lowering your rates. You may even discover the lowest prices come from the least-expected company. Smaller companies may cover specific market segments cheaper than the large multi-state companies such as GEICO and State Farm.

The cheapest Nissan Pathfinder insurance in Columbus can be sourced online as well as from insurance agents, and you need to price shop both to get a complete price analysis. Some companies do not offer rates over the internet and these regional insurance providers sell through local independent agents.

To read more, feel free to browse these articles:

• State Laws for Cellphones and Texting (iihs.org)
• What Auto Insurance is Cheapest for Good Students in Columbus? (FAQ)
• Who Has the Cheapest Columbus Car Insurance Quotes for a Nissan Sentra? (FAQ)
• How Much is Columbus Auto Insurance for Infrequent Drivers? (FAQ)
• Who Has Affordable Car Insurance Quotes for Low Income Drivers in Columbus? (FAQ)
• How Much are Auto Insurance Quotes for Teenage Males in Columbus? (FAQ)
• What to do at the Scene of an Accident (Insurance Information Institute)
• Auto Insurance for Teen Drivers (Insurance Information Institute)