Nissan Pathfinder insurance image courtesy of QuoteInspector.com
Really, the only way to find low-cost prices for Nissan Pathfinder insurance is to make a habit of comparing prices annually from different companies who sell insurance in Lubbock. Drivers can shop around by completing these steps.
Step 1: Try to learn a little about how insurance works and the things you can control to keep rates in check. Many factors that increase rates like traffic citations and a bad credit score can be eliminated by being financially responsible and driving safely. This article provides information to keep prices down and get discounts that may be overlooked.
Step 2: Quote rates from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only give rate quotes from one company like Progressive or Allstate, while independent agencies can provide price quotes from multiple sources.
Step 3: Compare the price quotes to your current policy to determine if switching companies saves money. If you find a lower rate and make a switch, make sure there is no coverage gap between policies.
One thing to point out is that you use identical coverages on each price quote and and to get prices from as many auto insurance providers as possible. Doing this ensures an apples-to-apples comparison and a complete price analysis.
It's well known that car insurance companies don't want their policyholders to compare prices. Drivers who shop around for the cheapest rate are very likely to switch companies because the odds are good of finding better rates. A study discovered that people who make a habit of shopping around saved $70 a month compared to other drivers who never shopped around for better prices.
If finding the best rates on Nissan Pathfinder insurance in Lubbock is the reason you're reading this, then learning about how to choose a company and compare coverage rates can make the process less intimidating.
Most larger insurance companies give prices direct online. Doing online price comparisons for Nissan Pathfinder insurance in Lubbock is quite simple as all you need to do is type in your personal and coverage information as requested by the quote form. After the form is submitted, the quote system collects reports for credit and driving violations and gives you a price quote based on these and other factors. This helps simplify price comparisons, and it's also necessary to do this in order to get cheaper prices.
To compare rates using this form now, compare rates now from the companies shown below. To compare your current rates, we recommend you complete the form with the limits and deductibles identical to your current policy. This ensures you will receive a rate comparison using the same coverage and limits.
The car insurance companies shown below are our best choices to provide comparison quotes in Texas. If your goal is to find the cheapest auto insurance in Lubbock, TX, it's a good idea that you compare several of them to get the lowest price.
Rates and detailed analysis
The information displayed next outlines a range of policy rates for Nissan Pathfinder models. Having a good understanding how rates are determined can help guide drivers when making smart choices when purchasing an auto insurance policy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Pathfinder S 2WD||$158||$256||$382||$22||$114||$932||$78|
|Pathfinder S 4WD||$182||$256||$382||$22||$114||$956||$80|
|Pathfinder SE 2WD||$182||$256||$382||$22||$114||$956||$80|
|Pathfinder SE 4WD||$182||$256||$382||$22||$114||$956||$80|
|Pathfinder LE 2WD||$206||$312||$382||$22||$114||$1,036||$86|
|Pathfinder LE 4WD||$206||$312||$382||$22||$114||$1,036||$86|
|Get Your Own Custom Quote Go|
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Information does not factor in zip code location which can revise premiums noticeably.
The chart below shows how different deductible levels and can affect Nissan Pathfinder annual premium costs for each age group. The premiums assume a married female driver, full physical damage coverage, and no other discounts are factored in.
Accidents and violations increase rates
The illustration below shows how violations and accident claims can increase Nissan Pathfinder insurance prices for different age groups of insureds. The rates are based on a married female driver, comprehensive and collision coverage, $500 deductibles, and no discounts are applied.
You may qualify for discounts for Nissan Pathfinder insurance in Lubbock
Car insurance companies don't always list all discounts in an easy-to-find place, so here is a list a few of the more common and the more hidden discounts that may be available. If you're not getting every credit possible, you're just leaving money on the table.
- Military Discounts - Having a family member in the military may lower your premium rates slightly.
- Accident-Free Discounts - Insureds with no claims or accidents can save substantially when compared with insureds who have frequent claims or accidents.
- Low Mileage - Driving fewer miles can qualify you for lower prices due to less chance of an accident.
- Student Discounts - Excelling in school can get you a discount of up to 25%. This discount can apply well after school through age 25.
- Air Bag Discount - Factory air bags or motorized seat belts could see savings up to 30%.
- More Vehicles More Savings - Purchasing coverage when you have multiple vehicles with the same company may reduce the rate for each vehicle.
- Sign Online - A handful of larger companies may give you up to $50 get Lubbock car insurance over the internet.
It's important to note that most discounts do not apply to the whole policy. The majority will only reduce individual premiums such as comp or med pay. Even though it appears having all the discounts means you get insurance for free, insurance companies wouldn't stay in business.
The diagram below shows the comparison of Nissan Pathfinder annual premium costs with and without discounts applied to the rates. The costs are based on a male driver, no claims or driving violations, Texas 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, safe-driver, multi-policy, claim-free, and marriage discounts applied.
Some of the insurance companies who might offer most of these discounts include:
When getting free Lubbock car insurance quotes, it's a good idea to every insurance company which discounts they offer. Some credits may not apply in Lubbock. To see providers who offer discounts in Lubbock, click here.
Here's why insurance is not optional
Despite the high cost of buying insurance for a Nissan Pathfinder in Lubbock, insurance is required by state law in Texas and it also provides benefits you may not be aware of.
First, just about all states have minimum mandated liability insurance limits which means the state requires a specific minimum amount of liability coverage in order to drive the car legally. 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.
Second, if your car has a loan, most banks will stipulate that you have comprehensive coverage to guarantee loan repayment. If you default on your policy, the lender may have to buy a policy to insure your Nissan at a significantly higher premium and force you to reimburse them for it.
Third, insurance protects both your Nissan and your assets. It also can pay for medical transport and hospital expenses for not only you but also any passengers injured in an accident. As part of your policy, liability insurance also covers legal expenses if you are sued as the result of your driving. If your vehicle suffers damage from an accident or hail, comprehensive and/or collision insurance will pay all costs to repair after the deductible has been paid.
The benefits of carrying adequate insurance greatly outweigh the cost, especially with large liability claims. But the average driver in Texas is overpaying over $820 a year so you should quote your policy with other companies once a year at a minimum to ensure rates are competitive.
What is the best car insurance company in Lubbock?
Picking a high-quality insurance provider is difficult considering how many companies provide coverage in Lubbock. The company rank data in the lists below may help you select which providers you want to consider when looking for cheaper rates.
Top 10 Lubbock Car Insurance Companies Overall
- Mercury Insurance
- AAA Insurance
- State Farm
- The Hartford
- Safeco Insurance
Top 10 Lubbock Car Insurance Companies Ranked by Claims Service
- State Farm
- Liberty Mutual
- American Family
- Titan Insurance
- AAA Insurance
What is the best auto insurance coverage?
When choosing a policy, there is no best way to insure your cars. Each situation is unique.
For example, these questions can help discover whether your personal situation might need professional guidance.
- Does my policy cover me when driving someone else's vehicle?
- Can I afford to buy a different vehicle if my Nissan Pathfinder is totaled?
- Is my Nissan Pathfinder covered for flood damage?
- What is the difference between comprehensive and collision coverage?
- What are the liability requirements in my state?
- Why are teen drivers so expensive to add on to my policy?
- Do I have any recourse if my insurance company denies a claim?
If you don't know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you don't have a local agent, fill out this quick form.
When to contact a local insurance agent
A lot of people prefer to sit down and talk to an agent and that is a smart decision A good thing about getting free rate quotes online is you may find the best rates and still choose a local agent.
To make it easy to find an agent, after completing this short form, your insurance data is sent to agents in your area that give free quotes for your business. It's much easier because you don't need to find an agent because prices are sent to you directly. You can get cheaper insurance rates AND a local agent. If for some reason you want to get a comparison quote from a particular provider, don't hesitate to find their quoting web page and fill out the quote form the provide.
Picking the best insurer needs to be determined by more than just a low price. Some important questions to ask are:
- Will you work with the agent or an assistant?
- Do they have cheaper tiers of coverage?
- Is assistance available after office hours?
- Is the agent properly licensed in Texas?
- What discounts might you be missing?
- When do they do a full risk review?
- Are they primarily personal or commercial lines agents in Lubbock?
- Can you use your own choice of collision repair facility?
Below is a list of insurance companies in Lubbock that are able to give price quotes for Nissan Pathfinder insurance in Lubbock.