Save Money on Nissan Pathfinder Insurance in New Orleans

The easiest way to save money on Nissan Pathfinder insurance in New Orleans is to compare prices regularly from different companies that sell auto insurance in Louisiana. You can compare rates by completing these steps.

An important part of this process is to use the same liability limits and deductibles on every price quote and and to get price estimates from as many carriers as you can. This enables a level playing field and the best price quote selection.

Insurance for Nissan PathfinderIt’s shocking but the vast majority of insurance customers kept buying from the same company for a minimum of four years, and virtually 40% of consumers have never compared insurance rates at all. Many drivers in Louisiana can save nearly 35% each year, but they just don’t understand how much they could save if they switched.

Finding the cheapest coverage in New Orleans is actually quite easy if you know where to start. Virtually every person who requires lower cost car insurance will most likely get better rates. Nevertheless, Louisiana drivers do need to know how companies market on the web and use this information to your advantage.

Insurance rate breakdown

The table displayed below covers estimates of insurance coverage prices for Nissan Pathfinder models. Having a better understanding of how insurance premiums are determined helps drivers make informed decisions when comparing rate quotes.

Nissan Pathfinder Insurance Rates in New Orleans, LA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pathfinder S 2WD $348 $612 $628 $38 $188 $1,814 $151
Pathfinder S 4WD $398 $612 $628 $38 $188 $1,864 $155
Pathfinder SE 2WD $398 $612 $628 $38 $188 $1,864 $155
Pathfinder SE 4WD $398 $612 $628 $38 $188 $1,864 $155
Pathfinder LE 2WD $450 $744 $628 $38 $188 $2,048 $171
Pathfinder LE 4WD $450 $744 $628 $38 $188 $2,048 $171
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Prices above based on single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Louisiana minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Rates do not factor in the specific area where the vehicle is garaged which can increase or decrease rates greatly.

Auto insurance deductibles

When comparing auto insurance rates, the most common question is the level to set your comp and collision deductibles. The comparison tables below help summarize the costs and benefits between high and low insurance deductibles. The first set of rates uses a $250 physical damage deductible and the second price grid uses a $500 deductible.

Nissan Pathfinder insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pathfinder S 2WD $312 $498 $464 $28 $140 $1,467 $122
Pathfinder S 4WD $358 $498 $464 $28 $140 $1,513 $126
Pathfinder SE 2WD $358 $498 $464 $28 $140 $1,513 $126
Pathfinder SE 4WD $358 $498 $464 $28 $140 $1,513 $126
Pathfinder LE 2WD $406 $604 $464 $28 $140 $1,667 $139
Pathfinder LE 4WD $406 $604 $464 $28 $140 $1,667 $139
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Nissan Pathfinder insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pathfinder S 2WD $254 $400 $464 $28 $140 $1,286 $107
Pathfinder S 4WD $292 $400 $464 $28 $140 $1,324 $110
Pathfinder SE 2WD $292 $400 $464 $28 $140 $1,324 $110
Pathfinder SE 4WD $292 $400 $464 $28 $140 $1,324 $110
Pathfinder LE 2WD $330 $488 $464 $28 $140 $1,450 $121
Pathfinder LE 4WD $330 $488 $464 $28 $140 $1,450 $121
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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Louisiana minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Table data does not factor in the specific area where the vehicle is garaged which can increase or decrease price quotes substantially.

Based on the figures above, using a $250 deductible will cost in the ballpark of $17 more each month or $204 each year averaged for all Pathfinder models than selecting the higher $500 deductible. Due to the fact that you would have to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you tend to average more than 15 months between claims, you would probably save some money if you opt for a higher deductible.

The chart below shows how choosing a deductible and can affect Nissan Pathfinder insurance prices for different ages of insureds. The premiums assume a single female driver, full coverage, and no policy discounts are applied.

Responsible drivers pay cheaper auto insurance rates

The example below highlights how traffic violations and at-fault collisions influence Nissan Pathfinder car insurance rates for each age group. The premiums assume a married female driver, full coverage, $250 deductibles, and no discounts are applied.

Men versus women drivers and insurance cost

The illustration below shows the comparison of Nissan Pathfinder insurance prices for male and female drivers. Data assumes a clean driving record, no at-fault accidents, full physical damage coverage, $100 deductibles, drivers are single, and no policy discounts are applied.

Nissan Pathfinder liability rates compared to full coverage

The information below illustrates the difference between Nissan Pathfinder car insurance costs when comparing full coverage to liability only. Data assumes no accidents, no driving violations, $500 deductibles, drivers are single, and no discounts are taken into consideration.

Should you pay for full coverage?

There is no exact rule to stop paying for full coverage, but there is a general guideline you can use. 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 want to consider only buying liability coverage.

For example, let’s assume your Nissan Pathfinder book value is $5,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most your company would pay you is $4,000 after paying your deductible. If you are currently paying more than $400 annually for physical damage coverage, then you may need to consider dropping full coverage.

There are some situations where buying only liability insurance is not a good plan. If you still owe money on your vehicle, you have to maintain full coverage in order to satisfy the requirements of the loan. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should maintain full coverage.

How Your Pathfinder Insurance Rates are Determined

Many factors are used in the calculation when pricing auto insurance. Some are pretty understandable like a motor vehicle report, but other criteria are less obvious such as your credit history or your commute time. A large part of saving on insurance is knowing the rating factors that aid in calculating your premiums. If you know what determines premiums, this allows you to make good choices that may reward you with cheaper rates.

The following are some of the items that factor into your premiums.

Buy as much liability coverage as you can afford – A critical coverage on your policy, liability insurance is the coverage that protects you if ever a court rules you are at fault for an accident. It will provide for a legal defense starting from day one. This coverage is relatively inexpensive compared to other policy coverages, so drivers should buy more than the minimum limits required by law.

Single drivers take more risk – Being married helps lower the price when shopping for insurance. It translates into being more mature than a single person and it’s proven that married drivers tend to have fewer serious accidents.

You may save more by consolidating policies – Most major companies provide a discount to insureds who buy several policies from them. It’s known as a multi-policy discount. Discounts can amount to 10 percent or more. Even with this discount applied, consumers should still compare other company rates to confirm you are receiving the best rates possible. Drivers may still find a better deal even if you insure with multiple companies

Better rates on safer vehicles – Vehicles with high crash test scores are cheaper to insure. Safe vehicles reduce the chance of injuries and better occupant protection means less claims paid which can mean better rates for you.

Prices can be impacted by your occupation – Jobs like military personnel, airline pilots, and miners tend to pay the highest average rates attributed to intense work situations and lots of time spent away from family. On the flip side, occupations like actors, athletes and homemakers pay the least.

Rates go up with performance – The make and model of the car you are buying insurance for makes a substantial difference in your rates. The lowest rates tend to be for small economy passenger cars, but the cost you end up paying is determined by many additional factors.

The following data assumes a single female driver age 50, full coverage with $250 deductibles, and no discounts or violations. The data compares Nissan Pathfinder insurance rates compared to other vehicles that have different risk factors.

Do you really need the extra policy coverages? – There are many extra bells and whistles that can add up on your insurance policy. Insurance for vanishing deductibles, better glass coverage, and membership fees could be just wasting money. These may sound like a good investment when discussing your needs, but if they’re wasting money remove them and pocket the money.

Poor credit can mean higher costs – Credit score can be an important factor in determining what you pay. Drivers with good credit tend to be more responsible than drivers who have lower ratings. Therefore, if your credit history can be improved, you could potentially save money when insuring your Nissan Pathfinder by taking the time to improve your credit score.

Claims statistics for a Nissan Pathfinder – Insurance companies factor in insurance loss information to help determine the price you pay. Vehicles that statistically have higher loss trends will have a higher premium rate.

The data below shows the compiled insurance loss statistics for Nissan Pathfinder vehicles. For each insurance policy coverage type, the loss probability for all vehicles, regardless of make, model or trim level, is represented as 100. Percentages below 100 represent a good loss history, while values that are 100 or greater indicate a higher chance of having a claim or an increased chance of a larger loss.

Insurance Loss Ratings for Nissan Pathfinder Vehicles
Make and 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

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

Compare auto insurance prices regularly to save

A few companies may not provide the ability to get quotes online and these smaller providers only sell through local independent agents. Affordable Nissan Pathfinder insurance in New Orleans can be sourced both online as well as from independent agents in New Orleans, so you need to compare both to have the best chance of lowering rates.

We just covered a lot of information how to reduce Nissan Pathfinder insurance car insurance rates online in New Orleans. The key concept to understand is the more you quote New Orleans auto insurance, the better your comparison will be. Drivers may even discover the lowest priced auto insurance comes from some of the lesser-known companies.

People who switch companies do it for many reasons like policy non-renewal, unfair underwriting practices, lack of trust in their agent and even high prices. Whatever your reason, finding a great new company is not as difficult as it may seem.

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