Save on Nissan Pathfinder Insurance in Irvine

Insurance for Nissan PathfinderTrying to find the cheapest insurance for a Nissan Pathfinder in California can be a painful process, but you can use a few tricks to find lower rates.

There is a better way to shop for car insurance and you need to know the quickest way to price shop coverage for a new or used Nissan and get the best price possible from Irvine insurance agents and online providers.

It’s smart to take a look at other company’s rates on a regular basis due to the fact that insurance rates change regularly. Just because you found the best deal on Nissan Pathfinder insurance in Irvine last year the chances are good that you can find a lower price today. Forget all the misinformation about car insurance because I’m going to let you in on the secrets to the right way to save money, get proper deductibles and limits, all at the lowest rate.

Finding and buying more affordable policy in Irvine is not as hard as you may think. If you have coverage now or just want cheaper coverage, you can learn to find the best rates while maximizing coverage. Vehicle owners just need to use the most time-saving way to compare price quotes from multiple carriers.

The best way we recommend to compare insurance rates from multiple companies takes advantage of the fact all the major auto insurance companies participate in a system to give free rates quotes. The only thing you need to do is provide a small amount of information such as if you lease or own, coverage limits, what you do for a living, and types of safety features. Your insurance information is instantly sent to multiple insurance providers and they return quotes very quickly.

To find lower cheap Nissan Pathfinder insurance rates now, click here and find out if you can get cheaper insurance in Irvine.

The providers in the list below have been selected to offer comparison quotes in Irvine, CA. In order to find cheaper car insurance in Irvine, we recommend you visit as many as you can to get the most affordable price.

Rates and data analysis

The table shown next covers detailed analysis of insurance coverage prices for Nissan Pathfinder models. Being able to understand how auto insurance prices are calculated is important for drivers to make smart buying decisions.

Nissan Pathfinder Insurance Rates in Irvine, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pathfinder S 2WD $180 $342 $534 $32 $160 $1,248 $104
Pathfinder S 4WD $206 $342 $534 $32 $160 $1,274 $106
Pathfinder SE 2WD $206 $342 $534 $32 $160 $1,274 $106
Pathfinder SE 4WD $206 $342 $534 $32 $160 $1,274 $106
Pathfinder LE 2WD $234 $416 $534 $32 $160 $1,376 $115
Pathfinder LE 4WD $234 $416 $534 $32 $160 $1,376 $115
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Data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Estimates do not factor in specific garaging location which can raise or lower prices noticeably.

Deductible comparison

One of the hardest decisions when shopping for insurance is how high should the physical damage deductibles be. The rates below determine how much more you’ll pay between high and low coverage deductibles. The first rate table uses a $100 deductible for comp and collision and the second rate table 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 $332 $564 $442 $26 $132 $1,521 $127
Pathfinder S 4WD $380 $564 $442 $26 $132 $1,569 $131
Pathfinder SE 2WD $380 $564 $442 $26 $132 $1,569 $131
Pathfinder SE 4WD $380 $564 $442 $26 $132 $1,569 $131
Pathfinder LE 2WD $430 $686 $442 $26 $132 $1,741 $145
Pathfinder LE 4WD $430 $686 $442 $26 $132 $1,741 $145
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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 $184 $298 $442 $26 $132 $1,082 $90
Pathfinder S 4WD $210 $298 $442 $26 $132 $1,108 $92
Pathfinder SE 2WD $210 $298 $442 $26 $132 $1,108 $92
Pathfinder SE 4WD $210 $298 $442 $26 $132 $1,108 $92
Pathfinder LE 2WD $238 $362 $442 $26 $132 $1,200 $100
Pathfinder LE 4WD $238 $362 $442 $26 $132 $1,200 $100
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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Premium amounts do not factor in garaging location in Irvine which can increase or decrease auto insurance rates significantly.

We can estimate from the data above that using a $100 deductible costs approximately $41 more each month or $492 every year than selecting the higher $1,000 deductible. Because you would pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to have more than 22 months between claim filings, you would save money if you opt for a higher deductible.

How accidents and tickets impact rates

The illustration below shows how traffic citations and accidents raise Nissan Pathfinder insurance rates for each different age category. The premiums are based on a married female driver, comprehensive and collision coverage, $100 deductibles, and no policy discounts are applied.

How do Insurance Companies Determine Nissan Pathfinder Insurance Rates?

Part of the insurance buying process is learning the factors that play a part in calculating the level of your policy premiums. If you know what positively or negatively impacts your premiums, this enables you to make decisions that may reward you with lower insurance prices.

Get hitched and pay less – Having a significant other can get you a discount on insurance. Having a spouse means you’re more financially stable and statistics show drivers who are married are more cautious.

Does your job raise your rates? – Do you work in a high-stress field? Occupations like judges, executives, and accountants tend to pay higher rates than average attributed to intense work requirements and extremely grueling work hours. On the flip side, occupations such as farmers, engineers and the unemployed have the lowest average rates.

Do you really need the add-on coverages? – There are many extra add-on coverages that sound like a good idea at the time but may not be useful. Things like coverage for rental cars, death and dismemberment, and membership fees are examples of these. You may think they are a good idea initially, but your needs may have changed so get rid of them and save.

Better rates for no policy lapses – Having a gap between insurance policy dates is a quick way to increase your rates. And not only will your rates increase, not being able to provide proof of insurance could result in a fine, jail time, or a revoked license. You may have to provide proof of insurance in the form of an SR-22 filing with the California motor vehicle department.

Where you call home is a factor – Living in a small town may provide you with better prices when it comes to insurance. Lower population means fewer accidents and lower theft and vandalism rates. Urban drivers regularly have more road rage incidents and higher rates of accident claims. Longer commute distances means more chances of being involved in an auto accident.

Reduce rates by driving vehicles with better crash test results – Safe vehicles are cheaper to insure. Safe vehicles protect occupants better and any reduction in injury severity means lower claim amounts and more competitive rates for policyholders. If your Nissan Pathfinder scored better than four stars on you may qualify for a discount.

Don’t cut corners with liability coverage – The liability section of your policy will afford coverage if you are ruled to be at fault for damages from an accident. It provides you with a defense in court to attempt to prove you were not liable. Liability insurance is pretty cheap compared to other policy coverages, so do not cut corners here.

Gender matters – Statistics have proven females are less aggressive when driving. However, this does not mean women are BETTER drivers than men. Men and women get in at-fault accidents at a similar rate, but the men cause more damage and cost insurance companies more money. Not only that, but men also get higher numbers of serious violations such as driving while intoxicated (DWI) or driving recklessly. Males from age 16 to 21 have the highest risk to insure and are penalized with high insurance rates.

The illustration below shows the comparison of Nissan Pathfinder insurance premiums for male and female drivers. The costs are based on no accidents or driving violations, full physical damage coverage, $1,000 deductibles, marital status is single, and no discounts are applied to the premium.

Nissan Pathfinder claim probability – Insurers include the past claim history for a vehicle to help calculate a profitable premium price. Models that statistically have a higher amount or frequency of claims will have higher rates. The next table shows the collected loss data for Nissan Pathfinder vehicles.

For each coverage type, the loss probability for all vehicles averaged together is considered to be 100. Percentage values below 100 suggest losses that are better than average, while numbers above 100 indicate frequent claims or tendency to have higher losses.

Insurance Loss Ratings for Nissan Pathfinder Vehicles
Vehicle 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

Car insurance does more than just protect your car

Even though it’s not necessarily cheap to insure a Nissan in Irvine, insuring your vehicle is most likely required but also gives you several important benefits.

The benefits of buying enough insurance greatly outweigh the cost, particularly if you ever have a claim. Unknowingly, the average driver is currently overpaying as much as $820 a year so you should quote and compare rates once a year at a minimum to ensure rates are competitive.