Cheap Quotes for Nissan Pathfinder Insurance in Toledo

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Nissan Pathfinder insurance cost
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Insurance for Nissan PathfinderWant to learn how to find more affordable Nissan Pathfinder insurance in Toledo? Feel like you have overpriced Nissan Pathfinder insurance in Toledo? Don't sweat it because you are not the only one feeling buyer's remorse.

Amazingly, most consumers in Ohio have remained with the same auto insurance company for over three years, and just short of a majority have never even compared rates from other companies. American drivers could save an average of as much as 46.5% each year, but they just assume it takes a lot of time to shop around.

Steps to finding cheaper Nissan Pathfinder insurance in Toledo

The preferred way to find low-cost prices for Nissan Pathfinder insurance is to compare prices regularly from insurers in Toledo.

  • Step 1: Try to understand how auto insurance works and the measures you can take to drop your rates. Many things that are responsible for high rates like speeding tickets, careless driving and a bad credit rating can be eliminated by paying attention to minor details. Keep reading for ideas to get better rates and get bigger discounts.
  • Step 2: Compare prices from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only provide price estimates from one company like Progressive or State Farm, while independent agents can quote rates for a wide range of insurance providers. View companies
  • Step 3: Compare the price quotes to your existing coverage to see if cheaper Pathfinder coverage is available. If you find a lower rate quote and make a switch, ensure there is no coverage lapse between policies.

An important note is to use the same liability limits and deductibles on each quote and and to get prices from every company you can. This provides an accurate price comparison and a complete rate analysis.

Numerous insurers battle for your business, so it's not easy to compare every company and get the best coverage at the lowest price on Nissan Pathfinder insurance in Toledo.

All major auto insurance companies allow consumers to get price estimates on their websites. Doing online price comparisons for Nissan Pathfinder insurance in Toledo is quite easy as you simply enter the coverages you want as detailed in the form. Once you submit the form, the company's rating system will obtain reports for credit and driving violations and generates a price based on many factors. This makes it a lot easier to compare rates and it's very important to compare as many rates as possible if you are searching for a better rate.

To quickly find out if lower rates are available, visit the companies below or click here to submit a quote request to multiple companies at once. If you have your current policy handy, we recommend you enter the coverage information identical to your current policy. This guarantees you will get a fair comparison using the exact same coverages.

The providers in the list below provide price comparisons in Toledo, OH. If multiple companies are listed, we suggest you visit as many as you can to get the best price comparison.

Nissan Pathfinder insurance rates and statistics

The premium information below showcases different prices for Nissan Pathfinder models. Learning more about how policy premiums are determined can help you make decisions on which coverage to buy.

Nissan Pathfinder Insurance Rates in Toledo, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pathfinder S 2WD $90 $172 $296 $18 $88 $664 $55
Pathfinder S 4WD $104 $172 $296 $18 $88 $678 $57
Pathfinder SE 2WD $104 $172 $296 $18 $88 $678 $57
Pathfinder SE 4WD $104 $172 $296 $18 $88 $678 $57
Pathfinder LE 2WD $118 $210 $296 $18 $88 $730 $61
Pathfinder LE 4WD $118 $210 $296 $18 $88 $730 $61
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Prices above based on single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Table data does not factor in vehicle location which can raise or lower premium rates substantially.

An analysis of deductible level

When comparing insurance rates, the most common question is which deductibles should you choose. The premium rates below can help you understand the rate difference of buying low and high policy deductibles. The first rate table uses a $100 physical damage coverage deductible and the second data table uses a $500 deductible.

Nissan Pathfinder insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pathfinder S 2WD $170 $290 $226 $14 $68 $793 $66
Pathfinder S 4WD $196 $290 $226 $14 $68 $819 $68
Pathfinder SE 2WD $196 $290 $226 $14 $68 $819 $68
Pathfinder SE 4WD $196 $290 $226 $14 $68 $819 $68
Pathfinder LE 2WD $220 $352 $226 $14 $68 $905 $75
Pathfinder LE 4WD $220 $352 $226 $14 $68 $905 $75
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Nissan Pathfinder insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pathfinder S 2WD $124 $196 $226 $14 $68 $628 $52
Pathfinder S 4WD $142 $196 $226 $14 $68 $646 $54
Pathfinder SE 2WD $142 $196 $226 $14 $68 $646 $54
Pathfinder SE 4WD $142 $196 $226 $14 $68 $646 $54
Pathfinder LE 2WD $160 $238 $226 $14 $68 $706 $59
Pathfinder LE 4WD $160 $238 $226 $14 $68 $706 $59
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Rate quotes do not factor in the specific area where the vehicle is garaged which can change auto insurance rates considerably.

We can estimate from the data above that using a $100 deductible could cost the average driver approximately $15 more each month or $180 every year averaged for all Pathfinder models than choosing the higher $500 deductible. Since you would pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you tend to go at least 27 months between claim filings, you would probably come out ahead going with the higher deductible.

Calculate savings of higher deductibles

Average monthly premium for $100 deductibles: $70
Average monthly premium for $500 deductibles (subtract): - $55
Monthly savings from raising deductible: $15
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $15
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 27 months

Driving violations and accidents

The chart below demonstrates how citations and fender-benders impact Nissan Pathfinder car insurance rates for each age group. The premium estimates are based on a single female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are applied to the premium.

Nissan Pathfinder insurance rates: Men versus women

The diagram below compares Nissan Pathfinder insurance costs for male and female drivers. The premiums assume no claims, a clean driving record, comp and collision included, $1,000 deductibles, marital status is single, and no discounts are applied.

How Your Pathfinder Insurance Costs are Determined

An important part of buying insurance is that you know a few of the rating criteria that aid in calculating your policy premiums. When you know what positively or negatively positively or negatively impacts your premiums, this enables you to make decisions that could result in cheaper rates.

  • Multi-policy discounts can save money - The majority of companies give discounts to policyholders who have multiple policies with them in the form of a multi-policy discount. Discounts can amount to as much as ten percent or more Even with this discount, you may still want to check prices from other companies to help ensure you have the lowest rates.There is a good possibility that you can find lower rates by buying from different companies
  • Married drivers pay lower prices - Being married may save some money on auto insurance. Having a spouse translates into being more financially stable it has been statistically shown that married drivers tend to have fewer serious accidents.
  • Low physical damage deductibles can be expensive - Physical damage protection, aka comp and collision, is used to repair damage to your Nissan. Examples of some claims that would be covered would be a broken windshield, flood damage, and windstorm damage. Deductibles for physical damage state the amount of money you are required to spend out-of-pocket if the claim is covered. The more expense the insured has to pay upfront, the bigger discount you will receive.
  • Never go without auto insurance - Letting your insurance expire is a fast way to increase your renewal premiums. In addition to paying higher premiums, not being able to provide proof of insurance can result in fines and jail time.
  • The more you drive the more you pay - The more miles you rack up on your Nissan in a year the more it will cost to insure it. Many insurance companies charge rates based upon how much you drive. Autos that sit idle most of the time can get a lower rate as compared to vehicles used primarily for driving to work. Ask your agent if your auto insurance policy is showing how each vehicle is driven. An improperly rated Pathfinder can result in significantly higher rates.
  • Nissan Pathfinder claim data - Car insurance companies factor in historical loss data in order to profitably underwrite each model. Vehicles that the data determines to have increased claim numbers or amounts will have a higher premium rate. The next table shows the insurance loss data for Nissan Pathfinder vehicles.

    For each policy coverage, the claim probability for all vehicles, regardless of make or model, is set at 100. Numbers that are below 100 suggest a better than average loss history, while percentage values above 100 indicate a higher chance of having a claim or tendency to have higher losses.

    Car Insurance Loss Data for Nissan Pathfinder Models
    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

Here's why car insurance is not optional

Despite the high insurance cost for a Nissan Pathfinder in Toledo, insurance serves a purpose in several ways.

First, most states have minimum mandated liability insurance limits which means you are required to buy a specific minimum amount of liability insurance coverage if you want to drive legally. In Ohio these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if you have a loan on your Nissan Pathfinder, most lenders will have a requirement that you buy full coverage to protect their interest in the vehicle. If you do not pay your insurance premiums, the bank or lender will purchase a policy for your Nissan for a much higher rate and force you to pay a much higher amount than you were paying before.

Third, insurance protects both your Nissan and your assets. It will also provide coverage for all forms of medical expenses that are the result of an accident. Liability coverage also covers legal expenses if someone files suit against you as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, your car insurance policy will pay to restore your vehicle to like-new condition.

The benefits of insuring your Pathfinder more than offset the price you pay, particularly for liability claims. But the average driver in Ohio is currently overpaying as much as $850 per year so smart consumers compare quotes once a year at a minimum to be sure current rates are still competitive.

What is the best car insurance company in Toledo?

Buying coverage from a highly-rated car insurance provider can be challenging considering how many companies are available to choose from in Ohio. The company ratings below may help you decide which car insurance providers you want to consider comparing prices from.

Top 10 Toledo Car Insurance Companies Ranked by Customer Satisfaction

  1. USAA - 92%
  2. Erie Insurance - 88%
  3. American Family - 88%
  4. State Farm - 88%
  5. Nationwide - 88%
  6. 21st Century - 88%
  7. AAA Insurance - 87%
  8. Liberty Mutual - 87%
  9. Farmers Insurance - 87%
  10. The Hartford - 87%

Top 10 Toledo Car Insurance Companies Ranked by Customer Service

  1. Nationwide
  2. State Farm
  3. Safeco Insurance
  4. American Family
  5. Titan Insurance
  6. Travelers
  7. Liberty Mutual
  8. GEICO
  9. Erie Insurance
  10. Allstate