A recent NerdWallet.com study revealed that the vast majority of consumers kept their coverage with the same car insurance company for at least four years, and almost half have never quoted rates to find affordable coverage. Drivers in America can save about $860 each year by just comparing rate quotes, but they don’t want to take the time to save money by comparing rate quotes.
If your goal is the lowest price, then the best way to find cheaper Nissan Pathfinder insurance in Nashville is to start doing a yearly price comparison from insurance carriers who can sell car insurance in Tennessee. You can shop around by following these guidelines.
- Spend some time learning about the different coverages in a policy and the changes you can make to prevent high rates. Many risk factors that cause rate increases such as traffic tickets, fender benders, and a less-than-favorable credit rating can be improved by being financially responsible and driving safely. Continue reading for additional tips to get low prices and get additional discounts that may be available.
- Request price quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only give prices from one company like GEICO and Allstate, while independent agents can provide prices from multiple companies. View prices
- Compare the quotes to your existing coverage to determine if switching companies saves money. If you find a better price and make a switch, make sure there is no lapse between the expiration of your current policy and the new one.
A good piece of advice is to use identical coverage information on each price quote and and to get rate quotes from as many different insurance providers as possible. This ensures an apples-to-apples comparison and a complete selection of prices.
Affordable companies for Nissan Pathfinder insurance
The companies shown below offer quotes in Tennessee. If multiple companies are listed, it’s a good idea that you compare several of them to get the lowest price.
Nissan Pathfinder insurance rate analysis
The rate table displayed next showcases estimates of rate quotes for Nissan Pathfinder models. Having a good understanding how auto insurance premiums are determined can help customers make informed decisions when shopping around for a new policy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Pathfinder S 2WD||$176||$306||$390||$24||$116||$1,012||$84|
|Pathfinder S 4WD||$202||$306||$390||$24||$116||$1,038||$87|
|Pathfinder SE 2WD||$202||$306||$390||$24||$116||$1,038||$87|
|Pathfinder SE 4WD||$202||$306||$390||$24||$116||$1,038||$87|
|Pathfinder LE 2WD||$228||$372||$390||$24||$116||$1,130||$94|
|Pathfinder LE 4WD||$228||$372||$390||$24||$116||$1,130||$94|
|Get Your Own Custom Quote Go|
Data variables include single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Tennessee minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Price information does not factor in specific zip code location which can decrease or increase coverage prices greatly.
Illustration showing the impact of accidents and violations
The chart below highlights how traffic violations and at-fault accidents can influence Nissan Pathfinder insurance costs for different categories of driver ages. The data assumes a single male driver, full coverage, $1,000 deductibles, and no discounts are taken into consideration.
Comparison of full coverage and liability-only policies
The example below visualizes the comparison of Nissan Pathfinder insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premiums are based on no claims or driving violations, $500 deductibles, drivers are single, and no discounts are taken into consideration.
When to switch to liability coverage only
There is no definitive rule of when to stop paying for physical damage insurance, but there is a broad guideline. If the annual cost of having full coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then it could be time to drop full coverage.
For example, let’s pretend your Nissan Pathfinder book value is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, you would only receive $8,000 after the policy deductible has been paid. If you are currently paying more than $800 a year for your policy with full coverage, the it may be a good time to stop paying for full coverage.
There are a few situations where buying only liability insurance is not financially feasible. If you haven’t paid off your loan, you have to maintain full coverage in order to satisfy the requirements of the loan. Also, if your finances do not allow you to purchase a different vehicle if your current one is totaled, you should not eliminate full coverage.
How do Insurance Companies Determine Nissan Pathfinder Insurance Premiums?
Lots of things are used in the calculation when you quote your car insurance policy. A few of the factors are predictable like your driving record, although others are more obscure like your vehicle usage or how safe your car is.
Women tend to be lower risk – The statistics show that men are more aggressive behind the wheel. However, this does not mean females are better drivers. Both sexes tend to get into at-fault accidents at about the same rate, but the men cause more damage and cost insurance companies more money. Not only are claims higher, but men receive more costly citations such as DWI and reckless driving. Male teenagers cause the most accidents so it costs more to insure them.
The illustration below shows the comparison of Nissan Pathfinder yearly insurance costs for male and female drivers. The information is based on no driving violations, no at-fault accidents, full coverage, $250 deductibles, marital status is single, and no discounts are taken into consideration.
Your vocation can affect rates – Did you know that where you work can have an impact on rates? Occupational choices like judges, executives, and financial analysts are shown to have higher premiums than the average policyholder because of intense work situations and incredibly demanding work hours. Other careers like scientists, engineers and retirees receive lower rates.
Claims cost money – Companies in Tennessee provide the lowest premiums to policyholders who are not frequent claim filers. If you tend to file frequent claims, you can definitely plan on either a policy non-renewal or much higher rates. Your car insurance is intended for larger claims.
High deductibles lower costs – Insurance for physical damage to your car, also called comprehensive and collision insurance, helps pay for damage to your vehicle. Some instances where coverage would apply would be a dented fender, damage caused by hail, and having your car stolen. Comprehensive and collision coverage deductibles state the amount of money you are willing to pay out-of-pocket before your insurance pays a claim. The more money you choose to pay out-of-pocket, the better rate you will receive.
Decrease rates by maintaining coverage – Allowing your insurance policy to lapse is a sure-fire way to drive up your policy premiums. In addition to paying higher premiums, failure to provide proof of insurance may result in fines and jail time.
Premiums are lower the older you get – Older insureds are proven to be safer behind the wheel, cost insurance companies less in claims, and are safer drivers. Teen drivers have been known to be easily distracted when driving so they pay higher insurance rates.
The following chart uses these assumptions: single driver, full coverage with $100 deductibles, and no discounts or violations.
Alarm systems save money – Buying a car with a theft deterrent system can get you a discount on your insurance. Systems that thwart thieves like vehicle immobilizer systems, OnStar, and tracking devices like LoJack can help prevent your vehicle from being stolen.
Insurance losses for a Nissan Pathfinder – Auto insurance companies include the past claim trends for vehicles to help determine costs. Vehicles that the data determines to have higher frequency or amount of claims will have higher rates. The next table illustrates the insurance loss data used by companies for Nissan Pathfinder vehicles.
For each insurance policy coverage type, the loss probability for all vehicles, regardless of manufacturer or model, is a value of 100. Values that are 100 or less suggest a positive loss record, while values over 100 indicate more frequent losses or larger claims.
|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|
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
You may qualify for discounts for Nissan Pathfinder insurance in Nashville
Companies don’t always publicize all their discounts very well, so the list below gives a summary of some of the more common and also the more inconspicuous credits that you can use to lower your rates. If you aren’t receiving every discount you qualify for, you are just wasting money.
- Switch and Save Discount – A few auto insurance companies allow discounts for renewing your policy before your current Pathfinder insurance policy expires. It’s a savings of about 10%.
- Drivers Education – Require your teen driver to participate in a local driver’s education class in school or through a local driver safety program.
- Data Collection Discounts – Drivers who elect to allow their insurance company to study driving patterns by installing a telematics device such as State Farm’s In-Drive could possibly reduce rates if they are good drivers.
- Multi-Vehicle Discounts – Buying a policy with more than one vehicle on the same auto insurance policy qualifies for this discount.
- Save over 55 – If you’re over the age of 55, you may be able to get a small decrease in premiums.
Drivers should understand that some credits don’t apply to the whole policy. Most only reduce individual premiums such as physical damage coverage or medical payments. Despite the appearance that you would end up receiving a 100% discount, you’re out of luck.
The chart below compares Nissan Pathfinder insurance premiums with and without policy discounts. The premiums assume a male driver, no claims or driving citations, Tennessee state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, multi-car, claim-free, homeowner, safe-driver, and marriage discounts applied.
Some of the insurance companies who may offer most of the discounts above may include but are not limited to:
Before purchasing a policy, check with each insurance company which credits you are entitled to. Savings might not apply in every state. If you would like to choose from a list of auto insurance companies that provide some of the discounts listed above in Tennessee, click here to view.
Local Nashville insurance agents
Many drivers would rather get advice from a local agent and that is recommended in a lot of cases Most agents can make sure you are properly covered and will help you if you have claims. One of the benefits of comparing rate quotes online is you can get better rates and still have a local agent.
After filling out this short form, your information is emailed to local insurance agents who can give free rate quotes for your business. You won’t need to visit any agencies due to the fact that quote results will go immediately to you. In the event you want to get a comparison quote from a specific insurance company, you can always search and find their rate quote page and fill out their quote form.
Finding a good insurer needs to be determined by more than just the quoted price. Here are some questions to ask:
- What company holds the largest book of business for them?
- Which companies do they recommend if they are an independent agency?
- Which family members are covered?
- Does the agent help file claims?
- How is replacement cost determined on your vehicle?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
Pick the best car insurance agent in Nashville for you
When looking for a local agent, it helps to know the two types of insurance agents that differ in how they can insure your vehicles. Insurance agents can be categorized as either independent (non-exclusive) or exclusive. Both types of agents can insure your vehicles, but it is important to understand the difference in how they write coverage because it may have an impact on the type of agent you choose.
Exclusive Insurance Agents
Exclusive agencies are contracted to one company like Farmers Insurance and State Farm. Exclusive agencies are unable to provide other company’s prices so they are skilled at selling on more than just price. Exclusive agents are usually well trained on their company’s products which helps overcome the inability to quote other rates.
Shown below are exclusive insurance agencies in Nashville who may provide you with comparison quotes.
These agents are normally appointed by many insurers so they can quote policies with many different companies enabling the ability to shop coverage around. If your premiums go up, they can switch companies in-house and the insured can keep the same agent.
When comparing insurance prices, you will definitely want to compare quotes from multiple independent agents in order to compare the most rates.
The following are Nashville independent agents who can help you get price quotes.
Ratings for Tennessee auto insurance companies
Selecting a highly-rated auto insurance provider can be a challenge considering how many different insurance companies sell coverage in Tennessee. The company rank data shown next may help you decide which companies you want to consider buying from.
Top 10 Nashville Car Insurance Companies Ranked by Value
- Mercury Insurance
- American Family
- AAA Insurance
- Safeco Insurance
- The Hartford
- Erie Insurance
- The General
Be persistent and save
As you prepare to switch companies, never buy lower coverage limits just to save a few bucks. In many instances, drivers have reduced liability coverage limits and learned later that the savings was not a smart move. The aim is to find the BEST coverage at a price you can afford, but do not sacrifice coverage to save money.
Cheaper Nissan Pathfinder insurance in Nashville is attainable on the web as well as from independent agents in Nashville, so you need to shop Nashville car insurance with both in order to have the best chance of saving money. Some car insurance companies do not offer price quotes online and most of the time these small insurance companies provide coverage only through local independent agents.
Helpful learning opportunities
- Teen Driving Statistics (iihs.org)
- Who Has Cheap Car Insurance Rates for Teenagers in Nashville? (FAQ)
- Who Has the Cheapest Car Insurance for a Honda Civic in Nashville? (FAQ)
- Who Has the Cheapest Nashville Auto Insurance Quotes for a Ford Fusion? (FAQ)
- How Much are Auto Insurance Rates for Teenage Females in Nashville? (FAQ)
- Who Has Affordable Nashville Car Insurance Quotes for Real Estate Agents? (FAQ)
- How Much are Nashville Auto Insurance Rates for a Toyota 4Runner? (FAQ)
- Frontal Crash Tests (iihs.org)
- What is Full Coverage? (Allstate)