Cheap Rates for Nissan Pathfinder Insurance in Tampa

Insurance quote for Nissan Pathfinder in TampaDo you want low-cost Nissan Pathfinder insurance in Tampa? Locating the lowest cost Tampa Nissan Pathfinder insurance quotes might appear somewhat intimidating for drivers who are new to comparing and buying car insurance on the internet. With literally dozens of companies competing online, how are drivers able to efficiently compare each option to find cheaper car insurance prices?

It’s an obvious statement that insurance companies don’t want you shop around. People who compare price quotes are likely to buy a new policy because the odds are good of finding a lower rate. Surprisingly, a recent survey revealed that drivers who compared prices once a year saved approximately $865 annually compared to drivers who never shopped around for lower prices.

If finding the best rates on Nissan Pathfinder insurance is your target objective, then understanding how to get rate quotes and compare cheaper coverage can help make the process easier.

It’s important to compare premium rates quite often due to the fact that insurance prices are usually higher with each renewal. If you had the best rates on Nissan Pathfinder insurance in Tampa six months ago other companies may now be cheaper. You can search a lot of Pathfinder insurance on the internet, but in this article, you’re going to get some good information on how to put money back in your pocket.

Choosing the most cost-effective auto insurance policy in Tampa is not rocket science. If you currently have auto insurance, you will surely be able to get lower rates using these methods. But Florida consumers do need to understand the way companies calculate your auto insurance rates and use it to find better rates.

Companies offering competitive Nissan Pathfinder rate quotes in Tampa, FL

The companies shown below can provide price quotes in Tampa, FL. If you want cheap auto insurance in FL, we recommend you visit as many as you can to get a more complete price comparison.

Car insurance analysis for a Nissan Pathfinder

The information shown below outlines estimates of coverage prices for Nissan Pathfinder models. Being aware of how premiums are determined can benefit drivers when making smart policy decisions.

Nissan Pathfinder Insurance Rates in Tampa, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pathfinder S 2WD $192 $346 $564 $34 $168 $1,304 $109
Pathfinder S 4WD $222 $346 $564 $34 $168 $1,334 $111
Pathfinder SE 2WD $222 $346 $564 $34 $168 $1,334 $111
Pathfinder SE 4WD $222 $346 $564 $34 $168 $1,334 $111
Pathfinder LE 2WD $250 $420 $564 $34 $168 $1,436 $120
Pathfinder LE 4WD $250 $420 $564 $34 $168 $1,436 $120
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Price data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Information does not factor in vehicle location which can influence price quotes substantially.

Can higher deductibles save money?

One common question asked by Tampa drivers is the level to set your comp and collision deductibles. The comparison tables below may help to conceptualize the rate difference when you choose different physical damage deductibles. The first data table uses a $250 physical damage coverage deductible and the second price table uses a $1,000 deductible.

Nissan Pathfinder insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pathfinder S 2WD $280 $446 $418 $24 $124 $1,317 $110
Pathfinder S 4WD $322 $446 $418 $24 $124 $1,359 $113
Pathfinder SE 2WD $322 $446 $418 $24 $124 $1,359 $113
Pathfinder SE 4WD $322 $446 $418 $24 $124 $1,359 $113
Pathfinder LE 2WD $364 $544 $418 $24 $124 $1,499 $125
Pathfinder LE 4WD $364 $544 $418 $24 $124 $1,499 $125
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Nissan Pathfinder insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pathfinder S 2WD $174 $280 $418 $24 $124 $1,020 $85
Pathfinder S 4WD $200 $280 $418 $24 $124 $1,046 $87
Pathfinder SE 2WD $200 $280 $418 $24 $124 $1,046 $87
Pathfinder SE 4WD $200 $280 $418 $24 $124 $1,046 $87
Pathfinder LE 2WD $224 $342 $418 $24 $124 $1,132 $94
Pathfinder LE 4WD $224 $342 $418 $24 $124 $1,132 $94
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Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Information does not factor in specific location information which can revise insurance rates substantially.

Based on this data, using a $250 deductible will cost you roughly $28 more each month or $336 each year than requesting the higher $1,000 deductible. Because you would pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to average at least 27 months between claims, you would probably come out ahead if you decide on a higher deductible. Here’s how this decision is made.

Average monthly premium for $250 deductibles: $117
Average monthly premium for $1,000 deductibles (subtract): – $89
Monthly savings from raising deductible: $28
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $28
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 27 months

One important caveat is that increasing deductibles to lower your rates results in having to pay to pay more out-of-pocket if you have a claim. You need to make sure you have enough extra money in the event you need to pay the higher deductible.

The information below demonstrates how deductible levels and can affect Nissan Pathfinder yearly insurance costs for each age group. The premiums assume a single female driver, comp and collision included, and no discounts are factored in.

Impact of careless driving on car insurance rates

The illustration below shows how traffic citations and accident claims can impact Nissan Pathfinder annual premium costs for each age group. The premiums assume a single female driver, comp and collision included, $100 deductibles, and no discounts are applied to the premium.

How much more does full coverage cost in Tampa?

The chart below visualizes the comparison of Nissan Pathfinder insurance costs with and without full coverage. Data assumes no violations or claims, $500 deductibles, drivers are not married, and no additional discounts are factored in.

When to drop comp and collision

There is no clear-cut formula of when to drop full coverage on your policy, but there is a general guideline. If the annual cost of comprehensive and collision coverage is more than 10% of the replacement cost minus the deductible, then you might want to consider buying only liability coverage.

For example, let’s assume your Nissan Pathfinder claim settlement value is $8,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most your company will settle for is $7,000 after paying the physical damage deductible. If it’s costing in excess of $700 a year to have full coverage, then it’s probably a good time to buy liability coverage only.

There are a few cases where buying only liability insurance is not financially feasible. If you haven’t satisfied your loan, you have to keep full coverage as part of the loan requirements. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should not buy liability only.

Lower-cost Tampa auto insurance rates with discounts

Some companies don’t always advertise every discount they offer in a way that’s easy to find, so the below list has a few of the more well known as well as some of the hidden discounts that you can inquire about if you buy Tampa car insurance online.Cheaper auto insurance with discounts

One last thing about discounts, most of the big mark downs will not be given to the overall cost of the policy. Most only reduce individual premiums such as comp or med pay. So even though it sounds like you could get a free auto insurance policy, insurance companies wouldn’t stay in business.

The diagram below visualizes the comparison of Nissan Pathfinder yearly insurance costs with and without discounts applied to the rates. The prices are based on a male driver, no accidents or driving violations, Florida state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, multi-policy, claim-free, safe-driver, and marriage discounts applied.

To find companies who offer free Nissan Pathfinder insurance quotes in Florida, click this link.

Choices You Make Can Impact Your Insurance Premiums

Part of the car insurance buying process is learning some of the things that help calculate the price you pay for car insurance. When you understand what impacts premium levels, this allows you to make educated decisions that may result in better car insurance rates. Many factors are considered when premium rates are determined. Some are pretty understandable such as your driving record, although others are less obvious like your continuous coverage or how financially stable you are.

Compare prices but buy from a neighborhood Tampa auto insurance agent

Many drivers prefer to sit down with an agent and often times that is recommended One of the best bonuses of getting free rate quotes online is that drivers can save money and get cheap insurance quotes but also keep your business local.

Tampa insurance agentsAfter filling out this simple form, your insurance data is instantly submitted to local insurance agents in Tampa who want to provide quotes for your insurance coverage. It simplifies rate comparisons since you won’t have to find an agent on your own since price quotes are sent to you directly. You can get cheaper insurance rates without a big time investment. In the event you want to compare rates from a particular provider, you would need to jump over to their website and submit a quote form there.

Finding the right company needs to be determined by more than just the quoted price. Any agent in Tampa should be willing to answer these questions.

If you prefer to buy insurance from a local insurance agency, there are two different types of agents and how they operate. Agents are categorized either independent agents or exclusive agents depending on their employer.

Exclusive Insurance Agents

Agents in the exclusive channel normally can only provide a single company’s rates and some examples include Allstate, Farmers Insurance or State Farm. They usually cannot place coverage with different providers so they really need to provide good service. Exclusive agents are very knowledgeable on what they offer which can be an advantage. Drivers often use the same exclusive agent primarily because of high brand loyalty and solid financial strength.

Shown below are exclusive agencies in Tampa who can help you get price quote information.

More Tampa agents

Independent Agencies or Brokers

Independent agencies often have many company appointments and that is an advantage because they can write policies through many different insurance companies and get you the best rates possible. If they quote lower rates, the business is moved internally and you stay with the same agent.

If you need cheaper insurance rates, you absolutely need to get some free quotes from several independent agencies so that you can do a thorough price comparison. They also have the ability to place coverage with smaller companies which may have better rates.

Listed below are Tampa independent insurance agents willing to provide rate quotes.

More Tampa agents

Florida car insurance companies ranked

Picking a high-quality auto insurance provider can be a challenge considering how many choices drivers have in Tampa. The ranking data below can help you choose which car insurance companies to look at shopping your coverage with.

Top 10 Tampa Car Insurance Companies by A.M. Best Rank

  1. Travelers – A++
  2. USAA – A++
  3. GEICO – A++
  4. State Farm – A++
  5. Titan Insurance – A+
  6. Esurance – A+
  7. Progressive – A+
  8. The Hartford – A+
  9. Allstate – A+
  10. Nationwide – A+

How much can you save?

We just covered a lot of techniques to get a better price on Nissan Pathfinder insurance in Tampa. The key concept to understand is the more providers you compare, the better your comparison will be. Consumers may even find the lowest rates are with an unexpected company.

Affordable Nissan Pathfinder insurance in Tampa can be sourced on the web in addition to many Tampa insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some auto insurance companies may not offer rates over the internet and many times these small insurance companies sell through independent insurance agencies.

People switch companies for any number of reasons including questionable increases in premium, policy non-renewal, policy cancellation and delays in responding to claim requests. No matter why you want to switch, switching auto insurance companies can be easy and end up saving you some money.

How to quote cheaper Nissan Pathfinder insurance in Tampa

The recommended way to get discount Nissan Pathfinder insurance is to make a habit of regularly comparing prices from insurers in Tampa.

Step 1: Spend some time learning about the coverage provided by your policy and the modifications you can make to keep rates in check. Many rating factors that are responsible for high rates such as traffic violations, accidents, and a negative credit score can be eliminated by making small lifestyle or driving habit changes.

Step 2: Compare price quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only provide price estimates from one company like GEICO and State Farm, while independent agencies can quote rates from multiple companies. Compare rates now

Step 3: Compare the new rate quotes to your current policy premium to see if a cheaper rate is available in Tampa. If you find a better price and switch companies, make sure there is no lapse between the expiration of your current policy and the new one.

Step 4: Give notification to your current company of your decision to cancel your current auto insurance policy and submit a completed policy application and payment for your new policy. Once the application is submitted, safely store the certificate of insurance along with the vehicle’s registration papers.

One bit of advice is that you use the same deductibles and limits on every price quote and and to analyze as many companies as you can. Doing this ensures a level playing field and many rates to choose from.

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