Save Money on Nissan Pathfinder Insurance in Seattle

Are you doing reasearch to find the cheapest Nissan Pathfinder insurance in Seattle? Do you get exhausted from scraping nickels together each month for auto insurance? Your situation is no different than the majority of other vehicle owners in Washington.

Astonishing but true, over 70% of consumers have stayed with the same insurance company for four years or more, and nearly the majority have never compared quotes from other companies. With the average premium in the U.S. being $1,847, drivers can cut their rates by up to $860 a year, but they don’t want to take the time to shop their coverage around.

Big companies like State Farm, Progressive and GEICO increase brand awareness with ads and it can be hard to ignore the promise of big savings and take the time to shop coverage around.

Low-cost car insurance in Seattle, WA

The following companies are our best choices to provide quotes in Washington. If more than one company is shown, it’s a good idea that you visit two to three different companies to get the most competitive price.

Cost estimates assume single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Washington minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Rate information does not factor in garaging location in Seattle which can modify rates greatly.

Nissan Pathfinder insurance rates by gender in Seattle

The illustration below shows the comparison of Nissan Pathfinder car insurance rates for male and female drivers. The rate quotes are based on no accidents or driving violations, comprehensive and collision coverage, $500 deductibles, drivers are single, and no additional discounts are factored in.

Should you raise deductibles?

The hardest decision when buying coverage is how high should your deductibles be. The rates shown below approximate the price difference when you buy lower versus higher physical damage deductibles. The first price estimate table uses a $250 comprehensive and collision deductible and the second set of rates uses a $500 deductible.

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Washington minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Information does not factor in specific garaging location which can lower or raise premium rates noticeably.

We can estimate from the data above that using a $250 deductible costs approximately $11 more each month or $132 for a full year than opting for the higher $500 deductible. Since the policyholder would be required to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you usually have more than 23 months between claim filings, you would save more money if you opt for a higher deductible.

Companies offer money-saving discounts on Nissan Pathfinder insurance in Seattle

Some insurance providers don’t always advertise every discount very clearly, so the list below gives a summary of both the well known and the more hidden discounts that you can inquire about if you buy Seattle auto insurance online.

• Accident Free – Insureds who avoid accidents and claims pay much less in comparison to policyholders that have many claims.
• Anti-theft Discount – Cars equipped with tracking devices and advanced anti-theft systems have a lower chance of being stolen and that can save you a little bit as well.
• Early Signing – Some insurance companies give discounts for signing up before your current Pathfinder insurance policy expires. You can save around 10% with this discount.
• Pay Now and Pay Less – By paying your policy upfront rather than spreading payments over time you can actually save on your bill.
• Discounts for New Vehicles – Buying insurance coverage on a new vehicle can cost up to 25% less because newer vehicles have to meet stringent safety requirements.
• Active Military Service – Having an actively deployed family member can result in better rates.
• Drivers Education – Have your child successfully take a driver’s education course as it will make them better drivers and lower rates.
• Home Ownership Discount – Owning a house in Seattle can earn you a little savings since home ownership demonstrates responsibility.
• Good Grades Discount – Performing well in school can earn a discount of 20% or more. This discount can apply until age 25.
• Discounts for Seat Belt Usage – Buckling up and requiring all passengers to fasten their seat belts can save 10% or more on medical payment and PIP coverage.

A quick disclaimer, some credits don’t apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like medical payments or collision. Even though it appears all the discounts add up to a free policy, insurance companies wouldn’t stay in business.

Some of the larger companies that may offer these discounts are:

• 21st Century
• State Farm
• AAA
• Liberty Mutual
• Progressive

When getting a coverage quote, ask all companies you are considering which discounts you qualify for. Some credits might not apply in Seattle. To see a list of companies that have a full spectrum of discounts in Seattle, follow this link.

Compare prices but work with a local Seattle insurance agency

A lot of people would rather sit down with an agent and doing that can be a smart decision One of the great benefits of comparing rate quotes online is the fact that you can find cheap car insurance rates and still have an agent to talk to. And providing support for local agents is especially important in Seattle.

To make it easy to find an agent, after completing this simple form, the coverage information is emailed to agents in your area who will gladly provide quotes to get your business. It simplifies rate comparisons since you won’t have to find an agent because prices are sent to the email address you provide. You can find lower rates and a licensed agent to talk to. If you have a need to compare rates from a particular provider, you would need to visit that company’s website and complete a quote there.

Shown below are Seattle auto insurance companies that may be willing to give rate quotes for Nissan Pathfinder insurance in Seattle.

View more Seattle agents

Deciding on an insurer is decision based upon more than just a cheap price quote. Any agent in Seattle should be forthright in answering these questions:

• Can you get a list of referrals?
• Is vehicle damage repaired with OEM or aftermarket parts?
• Is vehicle mileage a factor when determining depreciation for repairs?
• What is their Better Business Bureau rating?
• Is every driver in your family covered?
• Are claims handled at the agent’s location?

Specific coverages for a Nissan Pathfinder

Having a good grasp of your policy helps when choosing the right coverages for your vehicles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Listed below are the normal coverages found on the average insurance policy.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance pay for expenses for funeral costs, dental work, pain medications, prosthetic devices and chiropractic care. The coverages can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and also covers any family member struck as a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Liability auto insurance – Liability coverage will cover damage or injury you incur to other’s property or people in an accident. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 25/50/10 which stand for a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $10,000 for damage to vehicles and property. Another option is a combined limit which provides one coverage limit without having the split limit caps.

Liability insurance covers things like bail bonds, emergency aid and legal defense fees. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as large an amount as possible. Washington state minimum liability requirements are 25/50/10 but you should consider buying better liability coverage.

Comprehensive insurance – This coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as rock chips in glass, vandalism, fire damage and damage from a tornado or hurricane. The maximum amount your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision coverage – Collision insurance covers damage to your Pathfinder resulting from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like hitting a mailbox, colliding with another moving vehicle and rolling your car. This coverage can be expensive, so you might think about dropping it from lower value vehicles. You can also bump up the deductible on your Pathfinder to get cheaper collision coverage.

Uninsured/Underinsured Motorist (UM/UIM) – This gives you protection when the “other guys” do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Nissan Pathfinder.

Due to the fact that many Washington drivers only carry the minimum required liability limits (25/50/10), their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Quote more to save more

When getting Seattle auto insurance quotes online, make sure you don’t sacrifice coverage to reduce premiums. There have been many cases where someone dropped liability coverage limits and learned later that the few dollars in savings costed them thousands. Your aim should be to purchase plenty of coverage at an affordable rate, but don’t skip important coverages to save money.

Throughout this article, we presented a lot of tips how to reduce Nissan Pathfinder insurance rates online in Seattle. The key concept to understand is the more rate quotes you have, the better chance you’ll have of finding cheaper Seattle auto insurance quotes. Drivers may even discover the biggest savings come from an unexpected company. Regional companies can often provide lower car insurance rates in certain areas compared to the large companies like GEICO and State Farm.

Additional insurance information is available below:

• Booster Seat Ratings (iihs.org)
• Who Has Cheap Seattle Car Insurance Rates for Unemployed Drivers? (FAQ)
• How Much is Seattle Auto Insurance for Real Estate Agents? (FAQ)
• Who Has Cheap Seattle Auto Insurance for Inexperienced Drivers? (FAQ)
• Avoiding Deer Collisions (Insurance Information Institute)
• Teen Driving Statistics (iihs.org)
• Determing Auto Insurance Rates (GEICO)