Nissan Pathfinder insurance image courtesy of QuoteInspector.com
Want to learn the secrets to finding more competitive Nissan Pathfinder insurance in Austin? Finding cheaper insurance for a Nissan Pathfinder in Texas can be an all-consuming task, but you can follow our insurance buying tips to find lower rates.
There is a right way and a wrong way to buy insurance and we'll show you the proper way to quote coverages for your Nissan and get the lowest price.
It's important to check insurance prices occasionally because prices are variable and change quite frequently. Even if you think you had the best rates on Nissan Pathfinder insurance in Austin a year ago there may be better deals available now. Forget all the misinformation about insurance because you're about to learn one of the easiest ways to get good coverage on Nissan Pathfinder insurance in Austin at a lower rate.
Getting quotes for the cheapest policy in Austin is not that difficult. If you have coverage now or are just looking to switch companies, use these money-saving tips to reduce the price you pay without having to cut coverage. Smart buyers only need an understanding of how to find the lowest price instantly.
The companies shown below offer price comparisons in Austin, TX. If the list has multiple companies, we recommend you get price quotes from several of them to get a more complete price comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Pathfinder S 2WD | $220 | $400 | $430 | $26 | $128 | $1,204 | $100 |
| Pathfinder S 4WD | $234 | $378 | $462 | $28 | $138 | $1,240 | $103 |
| Pathfinder SE 2WD | $156 | $252 | $400 | $24 | $120 | $952 | $79 |
| Pathfinder SE 4WD | $182 | $256 | $382 | $22 | $114 | $956 | $80 |
| Pathfinder LE 2WD | $368 | $610 | $514 | $30 | $154 | $1,676 | $140 |
| Pathfinder LE 4WD | $286 | $486 | $400 | $24 | $120 | $1,316 | $110 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Estimates do not factor in zip code location which can revise prices noticeably.
How much more does full coverage cost?
The example below shows the comparison of Nissan Pathfinder auto insurance rates with full physical damage coverage compared to only buying liability only. The information is based on no claims, a clean driving record, $500 deductibles, single male driver, and no discounts are factored in.
Should you be buying full coverage?
There is no written rule for dropping comp and collision coverage, but there is a general guideline you can use. If the yearly cost of full coverage is more than about 10% of the settlement you would receive from your company, then you might want to think about dropping full coverage.
For example, let's assume your Nissan Pathfinder claim settlement value is $7,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most your company will settle for is $6,000 after paying your policy deductible. If premium cost is more than $600 annually to have full coverage, then it may be the right time to buy liability only.
There are some conditions where removing full coverage is not recommended. If you still owe money on your vehicle, you are required to maintain full coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is damaged, you should not eliminate full coverage.
Three reasons to not skimp on insurance
Despite the high cost, insurance is required for several reasons.
- The majority of states have compulsory liability insurance requirements which means you are required to carry a specific level of liability insurance in order to be legal. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you took out a loan on your vehicle, more than likely the lender will make it mandatory that you have insurance to guarantee payment of the loan. If you do not keep the policy in force, the bank will be required to insure your Nissan for a lot more money and require you to reimburse them the higher price.
- Insurance safeguards both your assets and your car. It will also provide coverage for hospital and medical expenses for not only you but also any passengers injured in an accident. Liability insurance will also pay attorney fees if you are named as a defendant in an auto accident. If your Nissan gets damaged, collision and comprehensive coverages will pay to have it repaired.
The benefits of buying enough insurance more than cancel out the cost, particularly when you have a large claim. On average, a vehicle owner in Austin overpays more than $830 a year so you should quote and compare rates every year to save money.
Can switching companies really save?
Texas consumers can't get away from all the ads that claim the lowest prices by Allstate, GEICO and Progressive. All the ads advertise the message about saving some big amount if you get a free Austin car insurance quote and switch your policy.
How does every car insurance company give you a better price on Nissan Pathfinder insurance in Austin? Here is how they do it.
Car insurance companies require specific criteria for the type of customer that will generate a profit. One example of a profitable insured could possibly be between 25 and 40, has no tickets, and drives a safe vehicle. Anybody that fits those parameters will get low prices and will most likely save money with a new company.
Drivers who are not a match for this ideal profile must pay a more expensive rate and this can result in the driver buying from a lower-cost company. The ads say "people that switch" not "all people who quote" will save that much if they switch. That's why companies can make those statements.
Different companies use different criteria so it's extremely important to quote coverage with many companies. Because you never know which insurance companies will give you lower premium rates than your current company.
Insurance discounts are available to lower rates
Car insurance companies don't always advertise all discounts very well, so we break down a few of the more common and also the more inconspicuous credits available to bring down your rates.
- Pay Early and Save - If paying your policy premium upfront instead of monthly or quarterly installments you can avoid the installment charge.
- Theft Deterrent System - Cars, trucks, and SUVs equipped with anti-theft or alarm systems are less likely to be stolen and will save you 10% or more on Pathfinder insurance in Austin.
- ABS Brakes - Vehicles that have steering control and anti-lock brakes are safer to drive and therefore earn up to a 10% discount.
- Life Insurance Discount - Not all companies offer life insurance, but some may give you a discounted rate on car insurance if you buy some life insurance too.
- Seat Belts Save - Requiring all passengers to fasten their seat belts can save up to 15% on the premium charged for medical payments and/or PIP.
- Driver Education Discount - Have your child participate in a local driver's education class as it will make them better drivers and lower rates.
- Bundle and Save - If you insure your home and vehicles with the same insurance company you could save 10% to 20% off each policy.
Discounts reduce rates, but you should keep in mind that many deductions do not apply to all coverage premiums. Most cut individual premiums such as comp or med pay. Despite the appearance that having all the discounts means you get insurance for free, company stockholders wouldn't be very happy.
Large insurance companies and some of the premium reductions they offer can be read below.
- Progressive has savings for multi-policy, online signing, homeowner, online quote discount, good student, multi-vehicle, and continuous coverage.
- Farmers Insurance has discounts for electronic funds transfer, youthful driver, mature driver, business and professional, and early shopping.
- Farm Bureau may offer discounts for youthful driver, good student, 55 and retired, safe driver, renewal discount, driver training, and multi-policy.
- State Farm includes discounts for good driver, good student, safe vehicle, anti-theft, defensive driving training, and Steer Clear safe driver discount.
- GEICO may include discounts for multi-vehicle, federal employee, air bags, defensive driver, multi-policy, membership and employees, and anti-theft.
- SAFECO may have discounts that include homeowner, multi-car, teen safe driver, accident prevention training, bundle discounts, and safe driver.
- Liberty Mutual offers discounts including newly married, new move discount, hybrid vehicle, multi-policy, newly retired, new graduate, and new vehicle discount.
Before buying, ask each company which discounts you may be entitled to. Some of the discounts discussed earlier might not be offered on policies in Austin.
Are car insurance agents of importance?
Certain consumers would rather get advice from a local agent and that is OK! Agents are highly skilled in risk management and give you someone to call. A nice benefit of comparing auto insurance online is that you can obtain the best rates but still work with a licensed agent. Supporting neighborhood agents is especially important in Austin.
To make it easy to find an agent, after completing this form (opens in new window), your insurance coverage information is instantly submitted to participating agents in Austin who want to provide quotes for your insurance coverage. It's much easier because you don't need to search for any insurance agencies because quoted prices will be sent to your email. In the event you want to get a price quote from a particular provider, you can always visit that company's website and give them your coverage information.
If you want to buy auto insurance from a reliable insurance agency, you should know the different types of agencies that you can select. Insurance agencies in Austin can either be exclusive or independent. Both do a good job, but it is a good idea to know the difference between them since it can affect your agent selection.
Independent Insurance Agents
Independent insurance agents do not sell for just one brand and that allows them to write policies with multiple insurance companies and help determine which has the cheapest rates. If your premiums go up, your agent can just switch to a different company without you having to go to a different agency.
When searching for an agent, you definitely need to compare prices from multiple independent agents to have the most options to choose from. Many independent agencies also insure through mutual insurance companies which can be an advantage.
Featured below is a list of independent agencies in Austin that may be able to provide price quotes.
- EZ Insurance Agency
343 S Congress Ave - Austin, TX 78704 - (512) 444-3279 - View Map - EZ Insurance Agency - North
7600 N Lamar Blvd # E - Austin, TX 78752 - (512) 445-2700 - View Map - Lezam Insurance
4301 W. William Cannon Dr., Ste. B-120 - Austin, TX 78749 - (512) 263-4333 - View Map
Exclusive Insurance Agencies
Exclusive insurance agents generally can only insure with one company like American Family, State Farm, and AAA. These agents are unable to place coverage with different providers so they really need to provide good service. Exclusive agencies are well schooled on sales techniques which helps overcome the inability to quote other rates. Consumers often use the same agent mostly because of high brand loyalty and solid financial strength.
Shown below are Austin exclusive insurance agencies that can give you rate quotes.
- Greg Pearson - State Farm Insurance Agent
8705 Shoal Creek Blvd #102 - Austin, TX 78757 - (512) 451-0188 - View Map - Dick Cohalla - State Farm Insurance Agent
10711 Burnet Rd #102 - Austin, TX 78758 - (512) 837-4210 - View Map - Allstate Insurance: Cheri Roman
8103 Brodie Ln Ste 7 - Austin, TX 78745 - (512) 282-9999 - View Map
Finding the right car insurance agent is decision based upon more than just a cheap price. These are some valid questions you should ask.
- How much will you save each year by using a higher deductible?
- Do the coverages you're quoting properly cover your vehicle?
- Do they have designations such as AIC, CPCU, or CIC?
- What insurance companies do they work with in Austin?
- Did they already check your driving record and credit reports?
- Are they properly licensed to sell insurance in Texas?
- What company do they have the most business with?
- How experienced are they in personal risk management?
Cheap coverage is out there
Budget-friendly insurance in Austin is possible from both online companies in addition to local insurance agencies, and you should be comparing both to have the best chance of lowering rates. Some insurance providers don't offer rate quotes online and many times these smaller providers prefer to sell through independent insurance agents.
Insureds change insurance companies for a variety of reasons including extreme rates for teen drivers, high rates after DUI convictions, policy non-renewal or an unsatisfactory settlement offer. It doesn't matter why you want to switch finding a new company is actually quite simple.
As you prepare to switch companies, do not skimp on critical coverages to save a buck or two. There are many occasions where someone sacrificed liability coverage limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your strategy should be to purchase a proper amount of coverage at a price you can afford, but do not skimp to save money.
Other information
- Preventing Carjacking and Theft (Insurance Information Institute)
- What Auto Insurance is Cheapest for College Students in Austin? (FAQ)
- How Much are Car Insurance Quotes for Good Drivers in Austin? (FAQ)
- Who Has Cheap Auto Insurance for Hybrid Vehicles in Austin? (FAQ)
- Who Has Affordable Austin Auto Insurance for Drivers Requiring a SR22? (FAQ)
- How Much are Auto Insurance Quotes for a Learners Permit in Austin? (FAQ)
- Eight Auto Insurance Myths (Insurance Information Institute)
- Smart Auto Insurance Tips (Insurance Information Institute)
- Distracted Driving (Insurance Information Institute)