Want to learn the secrets to finding the cheapest Nissan Pathfinder insurance in Cleveland? Are you burned out from sacrificing other expenses to keep your car insured? You are no different than many other Ohio consumers.
Unthinkable but true, nearly 70% of consumers renewed their policy with the same company for well over three years, and just short of a majority have never taken the time to shop around. American insurance shoppers can cut their rates by 46.5% a year just by getting comparison quotes, but they just assume it’s a time-consuming process to shop around.
How to find cheaper Nissan Pathfinder insurance in Cleveland
If you want to find the absolute lowest rates, then the best way to find better pricing on auto insurance rates in Cleveland is to start comparing prices yearly from insurance carriers in Ohio.
- Take a little time to learn about individual coverages and the factors you can control to drop your rates. Many rating criteria that drive up the price like speeding and your credit history can be improved by making minor changes in your lifestyle. This article provides additional ideas to help keep rates affordable and get bigger discounts that may have been overlooked.
- Quote rates from direct, independent, and exclusive agents. Exclusive and direct companies can only quote rates from a single company like Progressive or State Farm, while independent agencies can provide price quotes from multiple sources.
- Compare the new rates to your existing coverage to see if a cheaper rate is available in Cleveland. If you can save some money and change companies, make sure coverage does not lapse between policies.
A good tip to remember is to compare identical coverages on each quote and and to compare every insurance company. This provides an accurate price comparison and the best price selection.
Multiple insurers compete for your business, so it can be very hard to choose a insurance company and get the best coverage at the best rates possible on Nissan Pathfinder insurance in Cleveland.
You should make it a habit to shop coverage around before your next renewal because prices are variable and change quite frequently. Even if you think you had the best deal on Nissan Pathfinder insurance in Cleveland a year ago you may be paying too much now. Forget all the misinformation about auto insurance because we’re going to show you how to use the internet to save money, get proper coverage and the best rates.
If you are already insured, you will most likely be able to lower your rates using the following tips. Choosing the best rates in Cleveland is not that difficult as long as you know where to start. But Ohio car owners must comprehend how big insurance companies market on the web.
Do you qualify for discounts on Nissan Pathfinder insurance in Cleveland?
Insuring your fleet can be pricey, but there could be available discounts to cut the cost considerably. A few discounts will automatically apply when you complete an application, but a few need to be inquired about in order for you to get them.
- Discounts for New Vehicles – Buying a new car model may earn a small discount because newer models have to meet stringent safety requirements.
- Distant Student – Youth drivers who are enrolled in a college that is more than 100 miles from Cleveland and won’t have access to an insured vehicle could get you a discount.
- Auto/Home Discount – When you have multiple policies and place coverage with the same company you will save as much as 10 to 15 percent.
- Defensive Driver Discounts – Taking part in a defensive driver class could save 5% or more if your company offers it.
- Discounts for Seat Belt Usage – Drivers who always wear seat belts and also require passengers to fasten their seat belts may be able to save a few bucks off the personal injury premium cost.
- Good Students Pay Less – Maintaining excellent grades can save 20 to 25%. Earning this discount can benefit you up to age 25.
- ABS and Traction Control Discounts – Cars with ABS braking systems or traction control can avoid accidents and qualify for as much as a 10% discount.
- Student Discount for Driver Training – Require your teen driver to take driver’s ed class as it will make them better drivers and lower rates.
- Driving Data Discount – Drivers that enable data collection to scrutinize when and where they use their vehicle by using a telematic data system like Drivewise from Allstate or In-Drive from State Farm may see discounts as long as the data is positive.
- Professional Organizations – Participating in qualifying clubs or civic groups could trigger savings when getting a Cleveland car insurance quote.
A little disclaimer on discounts, most of the big mark downs will not be given to the whole policy. Most only reduce the price of certain insurance coverages like liability and collision coverage. Despite the appearance that you would end up receiving a 100% discount, you won’t be that lucky.
The information below shows the comparison of Nissan Pathfinder insurance prices with and without policy discounts. The information is based on a male driver, no claims, a clean driving record, Ohio state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, homeowner, claim-free, multi-policy, and safe-driver discounts applied.
A few popular companies and the discounts they provide can be found below.
- Progressive may offer discounts for good student, continuous coverage, online signing, multi-vehicle, and online quote discount.
- AAA offers premium reductions for good driver, multi-policy, anti-theft, good student, and education and occupation.
- Farmers Insurance may have discounts that include multi-car, bundle discounts, switch companies, homeowner, early shopping, business and professional, and distant student.
- GEICO offers discounts for federal employee, multi-vehicle, emergency military deployment, military active duty, and membership and employees.
- Esurance includes discounts for defensive driver, online shopper, Switch & Save, anti-lock brakes, and renters.
- SAFECO has savings for drive less, anti-theft, accident prevention training, teen safe driver, and safe driver.
- State Farm has discounts for good driver, passive restraint, safe vehicle, accident-free, anti-theft, defensive driving training, and student away at school.
When getting a coverage quote, ask each company or agent to give you their best rates. Some discounts might not apply in every state.
The are a couple different ways to compare quotes from different Cleveland insurance companies. The quickest method to find affordable insurance rates is to perform an online rate comparison.
Comparing price quotes online is fast and free, and it replaces the need to go to different Cleveland agent offices. The ability to get quotes online eliminates the middleman unless you prefer the peace of mind of an agent trained in personal lines coverage. Some companies do allow you to price shop your coverage online and have a local agent actually service the policy.
Just remember that comparing a wide range of rates will enable you to find a better price.
The companies shown below are ready to provide quotes in Cleveland, OH. To buy cheap auto insurance in OH, it’s a good idea that you visit several of them to find the cheapest auto insurance rates.
Nissan Pathfinder insurance rates and statistics
The table displayed next highlights a range of rate quotes for Nissan Pathfinder models. Learning a little about how insurance prices are figured is important for making informed decisions when comparing rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Pathfinder S 2WD||$152||$242||$226||$14||$68||$702||$59|
|Pathfinder S 4WD||$176||$242||$226||$14||$68||$726||$61|
|Pathfinder SE 2WD||$176||$242||$226||$14||$68||$726||$61|
|Pathfinder SE 4WD||$176||$242||$226||$14||$68||$726||$61|
|Pathfinder LE 2WD||$198||$296||$226||$14||$68||$802||$67|
|Pathfinder LE 4WD||$198||$296||$226||$14||$68||$802||$67|
|Get Your Own Custom Quote Go|
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Premium amounts do not factor in zip code location which can modify auto insurance rates substantially.
The example below illustrates how choosing a deductible and can affect Nissan Pathfinder insurance premiums for different age groups of insureds. The prices are based on a single male driver, full physical damage coverage, and no discounts are taken into consideration.
Impact of age and gender on auto insurance rates
The illustration below shows the comparison of Nissan Pathfinder insurance prices for male and female drivers. The premiums assume a clean driving record, no claims, full coverage, $500 deductibles, single status, and no discounts are applied.
Nissan Pathfinder liability rates compared to full coverage
The chart below shows the difference between Nissan Pathfinder insurance premiums with liability coverage only compared to full coverage. The rates are based on no accidents or driving violations, $100 deductibles, marital status is single, and no other discounts are factored in.
When to stop buying physical damage coverage
There is no definitive rule of when to eliminate full coverage on your policy, but there is a general school of thought. If the annual cost of comprehensive and collision coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then it might be time to consider dropping full coverage.
For example, let’s say your Nissan Pathfinder book value is $7,000 and you have $1,000 deductibles. If your vehicle is totaled, you would only receive $6,000 after the policy deductible has been paid. If you are paying over $600 a year for full coverage, then it could be time to drop full coverage.
There are a few cases where only buying liability is not a good idea. If you still have a loan on your vehicle, you must maintain physical damage coverage in order to prevent your loan from defaulting. Also, if you cannot afford to purchase a different vehicle if your current one is in an accident, you should keep full coverage on your policy.
When should I have guidance from a local insurance agent?
Many people still prefer to talk to a local agent and that is a personal choice. A nice benefit of comparing rates online is that you can find the lowest rates but also keep your business local. Buying from local agencies is important especially in Cleveland.
To make it easy to find an agent, after completing this form (opens in new window), the coverage information gets sent to local insurance agents in Cleveland who will gladly provide quotes and help you find cheaper coverage. There is no need to drive around since price quotes are sent immediately to your email address. You can find better rates AND a local agent. If you wish to compare prices from a specific insurance provider, you would need to jump over to their website and fill out their quote form.
Best auto insurance agent in Cleveland
If you prefer to buy insurance from a reliable agent, you must know there are a couple types of agencies and how they differ in how they can insure your vehicles. Insurance agents in Cleveland are considered either independent agents or exclusive agents depending on their employer.
Independent Insurance Agents
Agents that choose to be independent are appointed with more than one company and that is an advantage because they can write policies through lots of different companies enabling the ability to shop coverage around. If you are not satisfied with one company, the agent simply finds a different carrier and the insured can keep the same agent.
When comparison shopping, it’s recommended you get several quotes from at least one independent agent for maximum quote selection.
Featured below is a partial list of independent agencies in Cleveland that may be able to give you competitive price quotes.
Bass Ohio Insurance Agency LLC
815 Superior Avenue E, Suite 1412 – Cleveland, OH 44114 – (440) 862-0352 – View Map
Insurance Agency Compass
4879 Turney Rd – Cleveland, OH 44125 – (216) 341-2444 – View Map
Agents in the exclusive channel are contracted to one company such as American Family, State Farm, and Allstate. They generally cannot provide rate quotes from other companies so they really need to provide good service. Exclusive agents are usually quite knowledgeable on their company’s products which helps them compete with independent agents.
The following are exclusive insurance agents in Cleveland that are able to give price quotes.
Allstate Insurance: Eslick Insurance and Financial Services
2775 S Moreland Blvd Ste 203 – Cleveland, OH 44120 – (216) 283-5570 – View Map
Selecting a auto insurance agent requires you to look at more than just the premium amount. Any agent in Cleveland should be forthright in answering these questions:
- Do they have cheaper tiers of coverage?
- Do they specialize in personal lines coverage in Cleveland?
- Do you qualify for any additional discounts?
- Are claim adjusters local or do you have to take your car somewhere else?
- Can you get a list of referrals?
Insurance coverage options for a Nissan Pathfinder
Understanding the coverages of insurance can help you determine appropriate coverage for your vehicles. Insurance terms can be ambiguous and nobody wants to actually read their policy. These are the normal coverages offered by insurance companies.
Insurance for medical payments – Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for chiropractic care, dental work, ambulance fees, funeral costs and rehabilitation expenses. They can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage
Comprehensive coverage (or Other than Collision) – This pays for damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive coverage protects against claims like rock chips in glass, hitting a deer and falling objects. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
Uninsured Motorist or Underinsured Motorist insurance – This provides protection when other motorists do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your Nissan Pathfinder.
Because many people only purchase the least amount of liability that is required (Ohio limits are 25/50/25), it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Usually these coverages are similar to your liability insurance amounts.
Liability auto insurance – Liability coverage protects you from injuries or damage you cause to people or other property in an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/25 which means a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.
Liability coverage protects against claims such as loss of income, funeral expenses, pain and suffering, attorney fees and structural damage. How much coverage you buy is a personal decision, but you should buy as large an amount as possible. Ohio requires drivers to carry at least 25/50/25 but it’s recommended drivers buy more coverage.
The chart below shows why low liability limits may not be adequate coverage.
Collision coverage – This coverage will pay to fix damage to your Pathfinder caused by collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision coverage protects against claims like damaging your car on a curb, scraping a guard rail, crashing into a ditch, colliding with a tree and colliding with another moving vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. You can also raise the deductible on your Pathfinder to save money on collision insurance.
Affordable auto insurance prices are available
In this article, we presented quite a bit of information on how to compare Nissan Pathfinder insurance premium rates in Cleveland. The key thing to remember is the more companies you get prices for, the better chance you’ll have of finding inexpensive Cleveland car insurance quotes. You may even be surprised to find that the lowest premium rates come from the smaller companies. These smaller insurers can often insure niche markets at a lower cost than the large multi-state companies such as Progressive and GEICO.
When trying to cut insurance costs, make sure you don’t reduce coverage to reduce premium. In many cases, an accident victim reduced liability limits or collision coverage and discovered at claim time that the few dollars in savings costed them thousands. Your strategy should be to purchase plenty of coverage for the lowest price, but do not skimp to save money.
More affordable auto insurance in Cleveland is attainable online and with local Cleveland insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. Some insurance providers do not offer rate quotes online and usually these smaller providers only sell coverage through independent agencies.
Steps to saving on Nissan Pathfinder insurance in Cleveland
The easiest way to find low-cost prices for car insurance rates in Cleveland is to compare quotes once a year from companies in Ohio.
Step 1: Read about what coverages are included in your policy and the measures you can take to prevent rate increases. Many rating criteria that cause rate increases such as traffic tickets, fender benders, and an imperfect credit history can be improved by making minor driving habit or lifestyle changes.
Step 2: Compare price quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can only give prices from a single company like GEICO or Farmers Insurance, while independent agencies can quote rates for a wide range of companies.
Step 3: Compare the new rate quotes to your current policy premium and determine if there is any savings. If you can save some money and make a switch, ensure there is no coverage lapse between policies.
One thing to remember is to make sure you’re comparing identical deductibles and limits on each price quote and and to get price estimates from as many carriers as you can. This enables the most accurate price comparison and and a good selection of different prices.
- Vehicle Safety Ratings (iihs.org)
- Who Has Cheap Car Insurance Quotes for Business Use in Cleveland? (FAQ)
- What Insurance is Cheapest for 4×4 Vehicles in Cleveland? (FAQ)
- Front crash protection reduces rear-end crashes (Insurance Institute for Highway Safety)
- How to Avoid Buying a Flooded Car (Insurance Information Institute)