Cheap Atlanta Nissan Pathfinder Insurance

Would you like to find lower-priced Nissan Pathfinder insurance in Atlanta? If you’re shopping for lower-cost insurance, are you confused by the wide range of car insurance providers in Atlanta? Many other drivers are too. Georgia people have such a vast assortment of providers available that it can quickly become a challenge to find lower rates on Nissan Pathfinder insurance. If you live there, you know that Atlanta is an excellent city in which to live, but inflated car insurance rates makes it very hard to stay on budget.

It’s hard to fathom, but the vast majority of car insurance customers kept buying from the same company for at least the last four years, and almost half have never even compared quotes to find affordable rates. Most drivers in Georgia could save about 60% a year just by shopping around, but they assume it’s a waste of time to compare rates.

You should take the time to take a look at other company’s rates periodically since prices change frequently. Even if you think you had the best deal on Nissan Pathfinder insurance in Atlanta at your last renewal there is a good chance you can find better rates now. There is lot of inaccurate information about Pathfinder insurance on the web, but I’m going to show you some guaranteed methods to put money back in your pocket.

If you have a current auto insurance policy, you should be able to save money using these techniques. The purpose of this post is to teach you how auto insurance companies operate and some money-saving tips. Nevertheless, Georgia consumers benefit from understanding how companies set your policy premium and apply this information to your search.

Best Nissan Pathfinder insurance rate quotes in Georgia

The providers in the list below have been selected to offer quotes in Atlanta, GA. If multiple providers are shown, we suggest you get rate quotes from several of them to find the most affordable auto insurance rates.

Table data represents single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Georgia minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Price information does not factor in your specific Atlanta location which can change insurance rates considerably.

How accidents and violations affect rates in Atlanta

The illustration below illustrates how speeding tickets and fender-benders influence Nissan Pathfinder insurance prices for different age groups. The premiums assume a married female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are taken into consideration.

Higher deductibles lower rates

One of the most common car insurance questions is where to set your physical damage deductibles. The premium rates below may help to illustrate the rate differences when you select higher and lower comp and collision deductibles. The first data table uses a $250 deductible for comprehensive and collision coverage and the second set of prices uses a $500 deductible.

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Georgia minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Rate quotes do not factor in Atlanta location which can raise or lower premiums greatly.

Based on this data, we can arrive at the conclusion that using a $250 deductible will cost you approximately $14 more each month or $168 a year than opting for the higher $500 deductible. Since you would pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you average at a minimum 18 months between claim filings, you would save money if you choose a higher deductible.

One important caveat is that raising deductibles to save money results in more money out-of-pocket when you have to file a claim. You should have some available funds in the event you have to pay the deductible to have repairs made.

Atlanta insurance discounts for a Nissan Pathfinder

Car insurance companies don’t necessarily list every discount available in a way that’s easy to find, so the list below contains a few of the more well known and the more hidden discounts that may be available.

• Discount for Swiching Early – Some companies give discounts for buying a new policy prior to your current Pathfinder insurance policy expiration. This can save 10% or more.
• Telematics Devices – Atlanta drivers who agree to allow driving data submission to study driving habits by using a small device installed in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system could see a rate decrease if they show good driving skills.
• Senior Citizen Rates – Mature drivers are able to get better car insurance rates.
• Payment Method – If you pay your entire premium ahead of time as opposed to paying monthly you may reduce your total bill.
• First Accident Forgiveness – Not really a discount, but a few companies such as State Farm and Progressive allow you one accident without the usual rate increase if you are claim-free before the accident.
• Federal Government Employee – Simply working for the federal government could qualify for a slight premium decrease with select insurance companies.
• Buy New and Save – Insuring a vehicle that is new can be considerably cheaper due to better safety requirements for newer models.
• Drive Safe and Save – Drivers who don’t get into accidents can save as much as half off their rates than drivers with accident claims.
• Low Mileage Discounts – Driving less can qualify you for slightly better prices than normal.
• Anti-theft System – Cars equipped with tracking devices and advanced anti-theft systems have a lower chance of being stolen and therefore earn up to a 10% discount.

Discounts reduce rates, but you should keep in mind that most discount credits are not given to the entire policy premium. Most only cut specific coverage prices like comprehensive or collision. If you do the math and it seems like you could get a free car insurance policy, company stockholders wouldn’t be very happy.

Companies and a selection of discounts can be read below.

• Farm Bureau may include discounts for multi-vehicle, youthful driver, 55 and retired, driver training, good student, safe driver, and renewal discount.
• MetLife offers premium reductions for good student, claim-free, good driver, defensive driver, and multi-policy.
• Progressive may have discounts that include homeowner, online signing, good student, multi-vehicle, and continuous coverage.
• AAA offers discounts for anti-theft, good student, pay-in-full, multi-car, and education and occupation.
• American Family has discounts for mySafetyValet, defensive driver, air bags, good student, good driver, TimeAway discount, and bundled insurance.
• GEICO has savings for seat belt use, defensive driver, multi-vehicle, membership and employees, daytime running lights, good student, and emergency military deployment.
• State Farm may offer discounts for good driver, Steer Clear safe driver discount, multiple autos, passive restraint, accident-free, and safe vehicle.

If you want the cheapest Nissan Pathfinder rate quotes, ask each company or agent which discounts you may be entitled to. Some discounts might not be available to policyholders in Atlanta.

Why You Might Pay Inflated Rates in Atlanta

Multiple criteria are considered when pricing auto insurance. Some are obvious like a motor vehicle report, although others are less apparent like where you live or your vehicle rating. When buying insurance it’s important to understand some of the factors that help calculate the rates you pay for insurance. When consumers understand what influences your rates, this enables informed choices that may reward you with better insurance rates.

• Extra coverages can add up – There are a lot of additional coverages that sound like a good idea at the time if you don’t pay attention. Add-on coverages like rental car reimbursement, towing coverage, and extra life insurance coverage may not be needed and are just wasting money. They may seem like a good idea initially, but if you don’t need them get rid of them and save.
• Driver age impacts costs – More experienced drivers tend to be more responsible, tend to file fewer claims, and usually have better credit.Teen drivers have a tendency to be less responsible with other occupants in the car so they pay higher insurance rates.
• Liability coverage – Liability insurance kicks in if ever you are found to be at fault for damages caused by your negligence. Your liability coverage provides legal defense coverage starting from day one. It is affordable coverage compared to insuring for physical damage coverage, so drivers should buy more than the minimum limits required by law.
• Commute or pleasure use – The higher the mileage driven in a year’s time the higher your rate. A lot of insurance companies rate vehicles based upon how much you drive. Cars used primarily for pleasure use receive lower rates than those that get driven frequently. Verify your insurance policy correctly shows the correct driver usage, because it can save money. An incorrectly rated Pathfinder can cost quite a bit.
• The higher your credit history the lower your premiums – Having a bad credit history is a big factor in determining your rates. Insureds that have high credit ratings tend to be more responsible as compared to drivers with poor credit scores. So if your credit score leaves room for improvement, you could save money insuring your Nissan Pathfinder if you clean up your credit.
• Less chance of injury means lower premiums – Vehicles with good safety scores are cheaper to insure. These vehicles result in less severe injuries and any reduction in injury severity means your insurance company pays less passed on to you as lower rates. If your Nissan Pathfinder is rated at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you may be receiving a better rate.
• Vocation reflects on premiums – Do you work in a high-stress field? Careers such as military personnel, executives and miners generally have higher premiums than the average policyholder due to intense work requirements and incredibly demanding work hours. On the other hand, professions such as actors, engineers and retirees pay lower than average rates.
• Cheaper rates for being claim-free – Companies in Georgia award better rates to drivers who only file infrequent claims. If you tend to file frequent claims, you can expect either a policy non-renewal or much higher rates. Your insurance policy is intended for the large, substantial claims.
• Insurance loss data for Nissan Pathfinder vehicles – Insurance companies use historical loss data to help calculate premium rates. Vehicles that tend to have higher prevalence or dollar amount of losses will have higher rates. The next table illustrates the insurance loss data for Nissan Pathfinder vehicles.

  For each type of coverage, the loss probability for all vehicles, without regard to make or model, is represented as 100. Percentage numbers below 100 suggest a positive loss record, while values that are 100 or greater point to more frequent losses or a tendency for claims to be larger.

  Nissan Pathfinder Insurance Claim Statistics

  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

  BETTER

  AVERAGE

  WORSE

  Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Do I need an insurance agency?

Certain consumers still prefer to get professional advice from a licensed agent and often times that is recommended An additional benefit of getting online price quotes is that you can find cheaper car insurance rates and still choose a local agent.

To help locate an agent, after submitting this simple form, your insurance data is immediately sent to agents in your area that provide free Atlanta car insurance quotes for your business. It simplifies rate comparisons since you won’t have to find an agent because quoted prices will be sent directly to you. You can find the lowest rates without requiring a lot of work. If you want to quote rates for a specific company, don’t hesitate to jump over to their website to submit a rate quote request.

Finding the right insurance company needs to be determined by more than just the price. Agents should be asked these questions:

• Will their companies depreciate repairs to your car based on the mileage?
• How many years of experience in personal auto insurance do they have?
• Is their price quote a firm figure or are their hidden costs?
• Are all drivers listed on the coverage quote?
• Is coverage determined by price?

The following are Atlanta insurance companies willing to provide rate quotes for Nissan Pathfinder insurance in Atlanta.

• Nationwide Insurance: Slater Insurance Agency LLC
  501 Pulliam St SW #514a – Atlanta, GA 30312 – (404) 474-6356 – View Map
• Access General Agency Inc
  1627 Peachtree St NE – Atlanta, GA 30309 – (404) 817-9744 – View Map
• PointeNorth Insurance Group
  1100 Cir 75 Pkwy SE #140 – Atlanta, GA 30339 – (800) 634-2903 – View Map
• Nationwide Insurance: Walter Wade Agency
  4401 Northside Pkwy NW #311 – Atlanta, GA 30327 – (404) 550-3448 – View Map

View more Atlanta agents

Why you might not save $452 a year

Big name companies like State Farm, GEICO and Progressive constantly bombard you with television, radio, and online ads. They all seem to make an identical promise that people will save if you just switch your insurance coverage to their company. That’s great but how can every company charge lower premium rates? It’s all in the wording.

Companies have a preferred profile for the right customer that earns them the most money. An example of a profitable insured could possibly be a married male, has no prior claims, and chooses high deductibles. A customer that matches those criteria will get a cheap rate quote in Atlanta and have a good chance to save a lot on Atlanta Nissan Pathfinder insurance if they switch.

People who do not meet the ideal profile will get a more expensive rate which usually ends up with business going elsewhere. If you listen closely, the ads state “customers that switch” not “everyone that quotes” save that kind of money. That’s why companies can claim big savings. This emphasizes why it is so important to get Atlanta car insurance quotes as often as possible. It’s just too difficult to predict the company that will have better rates than you’re paying now.

Quote more and you will save more

Cheaper insurance in Atlanta can be bought both online and also from your neighborhood Atlanta agents, so you need to quote Atlanta car insurance with both in order to have the best chance of saving money. Some insurance companies don’t offer internet price quotes and these smaller companies prefer to sell through local independent agents.

We just presented a lot of techniques to save on Nissan Pathfinder insurance in Atlanta. The key thing to remember is the more rate comparisons you have, the higher the chance of saving money. Consumers may even find the best prices are with a smaller regional carrier.

When trying to cut insurance costs, do not buy poor coverage just to save money. In many cases, an insured cut uninsured motorist or liability limits only to find out that their decision to reduce coverage ended up costing them more. Your strategy should be to find the BEST coverage at the best price and still be able to protect your assets.

More articles

• What Does No-Fault Insurance Cover? (Allstate)
• How Much is Auto Insurance for Single Moms in Atlanta? (FAQ)
• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Institute)
• Car Insurance: When not to Skimp (BankRate.com)