Compare Nissan Pathfinder Insurance Quotes in Orlando

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Nissan Pathfinder insurance rates
Nissan Pathfinder insurance rates image courtesy of QuoteInspector.com

Insurance rates Nissan Pathfinder in OrlandoWant a free price quotes on more affordable Nissan Pathfinder insurance in Orlando? Do you think you bought high-priced Nissan Pathfinder insurance in Orlando? Trust us, there are lots of Orlando residents who feel the same.

Unbelievable but true according to a study almost 70% of drivers renewed their policy with the same company for a minimum of four years, and 38% of drivers have never compared rate quotes at all. Florida consumers could save themselves approximately 55% a year by just comparing rate quotes, but most just don't grasp the large savings they would see if they switch to a new company. Since consumers have many choices for buying lower-cost insurance for a Nissan Pathfinder in Orlando, it's nearly impossible to choose the most cost effective insurance company.

Cheap companies for Nissan Pathfinder insurance

The providers in the list below have been selected to offer price comparisons in Florida. To find cheap auto insurance in FL, we suggest you visit two to three different companies in order to get a fair rate comparison.

Coverage information

The table displayed next outlines detailed analysis of rate quotes for Nissan Pathfinder models. Knowing how auto insurance premiums are figured can help drivers make smart choices when purchasing an insurance policy.

Nissan Pathfinder Insurance Rates in Orlando, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pathfinder S 2WD $196 $352 $438 $26 $132 $1,144 $95
Pathfinder S 4WD $226 $352 $438 $26 $132 $1,174 $98
Pathfinder SE 2WD $226 $352 $438 $26 $132 $1,174 $98
Pathfinder SE 4WD $226 $352 $438 $26 $132 $1,174 $98
Pathfinder LE 2WD $254 $430 $438 $26 $132 $1,280 $107
Pathfinder LE 4WD $254 $430 $438 $26 $132 $1,280 $107
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Prices based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Rate information does not factor in vehicle location which can affect coverage prices considerably.

Physical damage deductibles

When buying insurance, a common question is which comprehensive and collision deductibles to buy. The tables below approximate the rate differences between low and high physical damage deductibles. The first pricing table uses a $100 comprehensive and collision deductible and the second price chart uses a $1,000 deductible.

Nissan Pathfinder insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pathfinder S 2WD $312 $532 $418 $24 $124 $1,435 $120
Pathfinder S 4WD $358 $532 $418 $24 $124 $1,481 $123
Pathfinder SE 2WD $358 $532 $418 $24 $124 $1,481 $123
Pathfinder SE 4WD $358 $532 $418 $24 $124 $1,481 $123
Pathfinder LE 2WD $406 $648 $418 $24 $124 $1,645 $137
Pathfinder LE 4WD $406 $648 $418 $24 $124 $1,645 $137
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Nissan Pathfinder insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pathfinder S 2WD $174 $280 $418 $24 $124 $1,020 $85
Pathfinder S 4WD $200 $280 $418 $24 $124 $1,046 $87
Pathfinder SE 2WD $200 $280 $418 $24 $124 $1,046 $87
Pathfinder SE 4WD $200 $280 $418 $24 $124 $1,046 $87
Pathfinder LE 2WD $224 $342 $418 $24 $124 $1,132 $94
Pathfinder LE 4WD $224 $342 $418 $24 $124 $1,132 $94
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Premium costs do not factor in specific garaging location which can alter prices substantially.

We can estimate from the data above that using a $100 deductible will cost in the ballpark of $38 more each month or $456 annually across all Nissan Pathfinder models than requesting the higher $1,000 deductible. Because you would pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to average more than 24 months between claims, you would save money if you decide on a higher deductible.

The information below illustrates how your choice of deductibles and can change Nissan Pathfinder insurance costs for different age groups. The data is based on a married male driver, full physical damage coverage, and no policy discounts are applied.

Auto insurance discounts help lower rates for Nissan Pathfinder insurance in Orlando

Companies don't list every discount available very well, so we researched some of the best known and also the more inconspicuous auto insurance savings.

  • Switch and Save Discount - A few larger companies give discounts for buying a new policy prior to your current Pathfinder insurance policy expiring. You could save around 10% when you buy Orlando auto insurance online.
  • Seat Belts Save more than Lives - Requiring all passengers to buckle up before driving may be able to save a few bucks off the personal injury premium cost.
  • Accident Free - Drivers who don't have accidents get the best auto insurance rates when compared to policyholders that have many claims.
  • Good Student - A discount for being a good student can be rewarded with saving of up to 25%. The discount lasts until age 25.
  • Low Mileage Discounts - Low mileage vehicles may enable drivers to earn cheaper rates.
  • Passive Restraints and Air Bags - Vehicles equipped with air bags and/or automatic seat belt systems may earn rate discounts of up to 25% or more.
  • Bundle and Save - When you have multiple policies with one insurance company you could get a discount of up to 20% and get you affordable Nissan Pathfinder insurance rates in Orlando.
  • No Charge for an Accident - Not a discount per se, but certain companies will turn a blind eye to one accident before hitting you with a surcharge if you are claim-free for a specific time period.

Don't be shocked that some of the credits will not apply to the entire cost. Most only cut the price of certain insurance coverages like collision or personal injury protection. Even though the math looks like you can get free auto insurance, company stockholders wouldn't be very happy. Any amount of discount should definitely cut your auto insurance premiums.

The chart below shows the difference between Nissan Pathfinder insurance rates with and without discounts. Data assumes a female driver, a clean driving record, no at-fault accidents, Florida state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, multi-policy, marriage, multi-car, and claim-free discounts applied.

A list of companies and the discounts they provide are outlined below.

  • American Family offers premium reductions for bundled insurance, early bird, defensive driver, Steer into Savings, air bags, and good driver.
  • State Farm may have discounts that include anti-theft, multiple autos, driver's education, good student, defensive driving training, Drive Safe & Save, and accident-free.
  • 21st Century has discounts for teen driver, good student, air bags, anti-lock brakes, homeowners, and driver training.
  • Travelers may include discounts for hybrid/electric vehicle, driver training, multi-car, new car, and good student.
  • GEICO has savings for daytime running lights, defensive driver, multi-vehicle, five-year accident-free, air bags, anti-lock brakes, and military active duty.

If you want the cheapest Nissan Pathfinder rate quotes, ask every insurance company how many discounts you can get. Discounts may not be offered in your area. If you would like to view companies with the best Nissan Pathfinder insurance discounts in Orlando, click this link.

There's no such thing as the perfect insurance policy

When quoting and comparing adequate coverage, there isn't really a one size fits all plan. Everyone's situation is a little different.

For instance, these questions might point out if you could use an agent's help.

  • Are there any extra discounts I can get?
  • Is my custom paint covered by insurance?
  • What is GAP insurance?
  • Will my insurance pay for OEM parts?
  • Am I covered when driving a rental car?
  • Is motorclub coverage worth it?
  • Do I need higher collision deductibles?

If you can't answer these questions but a few of them apply then you might want to talk to an agent. To find an agent in your area, take a second and complete this form. It only takes a few minutes and can help protect your family.

Shop online but buy locally

Many people prefer to buy from a local agent and there is nothing wrong with that. Good agents can make sure you are properly covered and help submit paperwork. The biggest benefit of getting free rate quotes online is you can get lower rates but also keep your business local.

Insurance agents in OrlandoBy using this form (opens in new window), your information is immediately sent to local insurance agents in Orlando who will give you quotes for your auto insurance coverage. You never need to search for an agent due to the fact that quote results will go immediately to you. If you wish to get a comparison quote from a particular provider, feel free to go to their quote page to submit a rate quote request.

Selecting a provider requires more thought than just a cheap price quote. Any agent in Orlando should be willing to answer these questions.

  • Is insurance their full-time profession?
  • Is vehicle damage repaired with OEM or aftermarket parts?
  • Will the company cover a rental car if your car is getting fixed?
  • Will they make sure you get an adequate claim settlement?
  • Is vehicle mileage a factor when determining depreciation for repairs?
  • What are the financial ratings for the companies they represent?

More quotes mean more auto insurance savings

Lower-priced Nissan Pathfinder insurance in Orlando can be found from both online companies and from local insurance agents, so get free Orlando auto insurance quotes from both of them in order to have the best chance of saving money. A few companies may not offer rates over the internet and these smaller providers only sell coverage through local independent agencies.

Throughout this article, we presented a lot of ways to get a better price on Nissan Pathfinder insurance in Orlando. The most important thing to understand is the more rate comparisons you have, the higher the chance of saving money. You may even be surprised to find that the lowest premium rates are with a smaller regional carrier.

Consumers change insurance companies for a number of reasons such as delays in paying claims, delays in responding to claim requests, questionable increases in premium or even denial of a claim. It doesn't matter why you want to switch finding a great new company is easier than you think.

How to find better rates for Nissan Pathfinder insurance in Orlando

If saving money is your primary concern, then the best way to get the cheapest Nissan Pathfinder insurance is to make a habit of regularly comparing prices from providers who sell insurance in Orlando. You can compare rates by completing these steps.

  • Step 1: Spend a few minutes and learn about car insurance and the steps you can take to keep rates in check. Many factors that cause high rates like traffic citations and a low credit score can be eliminated by paying attention to minor details.
  • Step 2: Get rate quotes from direct, independent, and exclusive agents. Exclusive and direct companies can give quotes from one company like Progressive and State Farm, while independent agencies can provide price quotes for a wide range of insurance providers.
  • Step 3: Compare the price quotes to the price on your current policy to determine if you can save on Pathfinder insurance in Orlando. If you can save money, make sure the effective date of the new policy is the same as the expiration date of the old one.
  • Step 4: Notify your agent or company of your intent to cancel your current car insurance policy and submit any necessary down payment along with the completed application to the new company. Once coverage is bound, put the certificate of insurance with the vehicle registration.

The key thing to remember is to use the same physical damage deductibles and liability limits on every price quote and and to get quotes from all possible companies. Doing this guarantees a fair rate comparison and a better comparison of the market.

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