Nissan Pathfinder Insurance Rates in Jersey City

  1. Home
  2. >
  3. Jersey City Auto Insurance
  4. >
  5. Nissan Pathfinder

Nissan Pathfinder insurance
Nissan Pathfinder insurance image courtesy of

If you want to find the absolute lowest rates, then the best way to get more affordable car insurance rates in Jersey City is to compare quotes once a year from companies in New Jersey.

Step 1: Try to understand how insurance works and the modifications you can make to prevent expensive coverage. Many risk factors that result in higher rates like speeding tickets, accidents and an unacceptable credit rating can be eliminated by improving your driving habits or financial responsibility. Read the full article for ideas to get better rates and find hidden discounts.

Step 2: Quote rates from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only give rate quotes from a single company like GEICO or Allstate, while agents who are independent can provide price quotes from multiple sources.

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

An important part of this process is that you'll want to make sure you compare identical coverages on each price quote and and to get rate quotes from as many companies as feasibly possible. This guarantees a level playing field and a better comparison of the market.

Insurance rates Nissan Pathfinder in Jersey CityIt's an obvious statement that car insurance companies don't want you to compare rates. Insureds who shop around are inclined to move their business because of the good chance of finding a cheaper policy. A recent car insurance study revealed that consumers who routinely shopped for cheaper coverage saved on average $72 a month compared to drivers who never shopped around.

If finding the lowest price for Nissan Pathfinder insurance in Jersey City is your objective, then having some insight into how to quote prices and compare cheaper coverage can help make the process easier and more efficient.

Choosing the most cost-effective insurance policy in Jersey City is really quite simple as long as you have a good starting point. If you already have coverage, you should be able to find better prices using these tips. Nevertheless, New Jersey vehicle owners do need to understand the way insurance companies set your policy premium because it can help you find the best coverage.

Keep in mind that comparing more quotes helps locate more affordable rates. Not every company does online Jersey City Pathfinder insurance quotes, so it's important to also get quotes from them as well.

The companies shown below are our best choices to provide free rate quotes in Jersey City, NJ. If multiple companies are listed, we recommend you visit as many as you can to get the cheapest price.

Nissan Pathfinder detailed coverage information

The premium information shown next highlights different insurance premium costs for Nissan Pathfinder models. Being aware of how premiums are established can help customers make decisions when choosing a new policy provider.

Nissan Pathfinder Insurance Rates in Jersey City, NJ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pathfinder S 2WD $252 $468 $624 $36 $188 $1,568 $131
Pathfinder S 4WD $290 $468 $624 $36 $188 $1,606 $134
Pathfinder SE 2WD $290 $468 $624 $36 $188 $1,606 $134
Pathfinder SE 4WD $290 $468 $624 $36 $188 $1,606 $134
Pathfinder LE 2WD $328 $570 $624 $36 $188 $1,746 $146
Pathfinder LE 4WD $328 $570 $624 $36 $188 $1,746 $146
Get Your Own Custom Quote Go

Price data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and New Jersey minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Rate quotes do not factor in zip code location which can impact auto insurance rates considerably.

Higher deductibles save money

One of the hardest decisions when shopping for auto insurance is how high should the deductibles for physical damage be. The rates below lay out how much more rates are between high and low policy deductibles. The first rate table uses a $100 physical damage deductible and the second rate chart uses a $500 deductible.

Nissan Pathfinder insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pathfinder S 2WD $360 $614 $480 $28 $144 $1,651 $138
Pathfinder S 4WD $414 $614 $480 $28 $144 $1,705 $142
Pathfinder SE 2WD $414 $614 $480 $28 $144 $1,705 $142
Pathfinder SE 4WD $414 $614 $480 $28 $144 $1,705 $142
Pathfinder LE 2WD $466 $746 $480 $28 $144 $1,889 $157
Pathfinder LE 4WD $466 $746 $480 $28 $144 $1,889 $157
Get Your Own Custom Quote Go
Nissan Pathfinder insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pathfinder S 2WD $264 $414 $480 $28 $144 $1,330 $111
Pathfinder S 4WD $302 $414 $480 $28 $144 $1,368 $114
Pathfinder SE 2WD $302 $414 $480 $28 $144 $1,368 $114
Pathfinder SE 4WD $302 $414 $480 $28 $144 $1,368 $114
Pathfinder LE 2WD $340 $504 $480 $28 $144 $1,496 $125
Pathfinder LE 4WD $340 $504 $480 $28 $144 $1,496 $125
Get Your Own Custom Quote Go

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and New Jersey minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Rates do not factor in specific Jersey City garaging location which can revise coverage rates considerably.

Based on this data, using a $100 deductible costs about $29 more each month or $348 each year than opting for the higher $500 deductible. Since you would pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you go at least 14 months between claims, you would save more money by going with a higher deductible.

How to determine if a higher deductible is a good idea

Average monthly premium for $100 deductibles: $146
Average monthly premium for $500 deductibles (subtract): - $117
Monthly savings from raising deductible: $29
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $29
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 14 months

One important note is that a higher deductible means you will have to cover more of the damage yourself when you have to file a claim. You need to have some savings in the event you have to pay more to get your vehicle repaired.

How accidents and tickets impact rates in Jersey City

The example below shows how violations and at-fault claims can impact Nissan Pathfinder insurance rates for each different age category. The information is based on a single female driver, full coverage, $100 deductibles, and no discounts are factored in.

Difference between full coverage and liability only rates

The example below illustrates the difference between Nissan Pathfinder insurance costs with full coverage and liability only. The prices are based on a clean driving record, no claims, $250 deductibles, drivers are single, and no policy discounts are applied.

Should you buy full coverage or liability only?

There is no clear-cut rule of when to exclude comprehensive and collision coverage on your policy, but there is a broad guideline. If the yearly cost for physical damage coverage is about 10% or more of replacement cost minus your deductible, then it's probably a good time to buy liability coverage only.

For example, let's pretend your Nissan Pathfinder book value is $3,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most your company would pay you is $2,000 after the policy deductible has been paid. If you are paying more than $200 annually for comprehensive and collision coverage, then it's probably a good time to buy liability coverage only.

There are some cases where only buying liability is not advised. If you still have a loan on your vehicle, you have to keep full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you can't afford to buy a different vehicle if your current one is totaled, you should not opt for liability only.

Insurance agents can help

When buying the right insurance coverage for your vehicles, there really isn't a one-size-fits-all type of policy. Your situation is unique and your policy should reflect that.Safe vehicles cost less to insure These are some specific questions might help in determining whether or not you would benefit from an agent's advice.

  • When does my teenage driver need to be added to my policy?
  • Do I have coverage for damage caused while driving under the influence?
  • Does my car insurance cover rental cars?
  • Should I file a claim if it's only slightly more than my deductible?
  • Can I afford low physical damage deductibles?
  • Should I have combined single limit or split liability limits?
  • What can I do if my company denied a claim?
  • Is there coverage for my trailer?
  • Does low annual mileage earn a discount?
  • I have a DUI can I still get coverage?

If you don't know the answers to these questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you don't have a local agent, simply complete this short form or you can go here for a list of companies in your area.

Local Jersey City insurance agencies

A small number of people still like to talk to an insurance agent and doing so can bring peace of mind A good thing about getting online price quotes is that you can obtain the best rates but also keep your business local.

Insurance agency in Jersey CityBy using this form (opens in new window), your coverage information is instantly submitted to local insurance agents that can provide free Jersey City car insurance quotes for your insurance coverage. It makes it easy because there is no need to contact any agents because quoted prices will be sent immediately to your email address. You can find the lowest rates and a licensed agent to work with. If you wish to compare rates from a specific company, you would need to visit that company's website and submit a quote form there.

Choosing the best insurance company is decision based upon more than just the quoted price. A good agent in Jersey City will have answers to these questions.

  • Does the agent help file claims?
  • Is the agent and/or agency licensed to do business in New Jersey?
  • How will an accident affect your rates?
  • Is vehicle mileage a factor when determining depreciation for repairs?
  • Is the quote a firm price?
  • How is replacement cost determined on your vehicle?
  • Is their price quote a firm figure or are their hidden costs?
  • Who is covered by the car insurance policy?

After you get satisfactory answers to all your questions as well as a price you're happy with, it's a good possibility that you have found a company that is professional and can provide auto insurance coverage.