Cheap Insurance for a Nissan Pathfinder in Cincinnati

Expensive auto insurance in Cincinnati can bottom out your savings and require stricter spending habits.

Amazingly, over 70% of drivers have been with the same company for at least four years, and approximately 38% of consumers have never quoted auto insurance rates at all. Ohio drivers could save almost $729 each year, but they just don’t understand the amount of savings they would get if they switch to a new company.

Due to the abundance of choices for buying cheap insurance for a Nissan Pathfinder in Cincinnati, it can be challenging to find the most cost effective insurance company.

Score discounts on Cincinnati insurance

Not many people think insurance is cheap, but you can get discounts to reduce the price significantly. Some of these discounts will be visible at the time you complete a quote, but a few must be inquired about prior to receiving the credit.

• Defensive Driver Discount – Successfully completing a driver safety class is a good idea and can lower rates and make you a better driver.
• Early Switch Discount – A few companies allow discounts for buying a new policy before your current coverage expires. It can save you around 10%.
• Employee of Federal Government – Active or former government employment may reduce rates when you quote Cincinnati auto insurance depending on your company.
• College Student Discount – Any of your kids who live away from home to go to college and leave their car at home may be insured at a cheaper rate.
• ABS Braking Discount – Cars, trucks, and SUVs with anti-lock braking systems prevent accidents and will save you 10% or more on Pathfinder insurance in Cincinnati.
• Good Drivers – Drivers without accidents can save as much as half off their rates than drivers with accidents.
• Theft Deterrent Discount – Cars and trucks with anti-theft systems are stolen less frequently and that can save you a little bit as well.

As a disclaimer on discounts, some of the credits will not apply to all coverage premiums. Some only apply to individual premiums such as comprehensive or collision. Just because you may think you can get free auto insurance, nobody gets a free ride.

The example below illustrates the comparison of Nissan Pathfinder insurance costs with and without discounts. The information is based on a male driver, no tickets, no at-fault accidents, Ohio state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-car, homeowner, safe-driver, multi-policy, and claim-free discounts applied.

Large insurance companies and a summarized list of policyholder discounts can be found below.

• GEICO may have discounts that include military active duty, daytime running lights, good student, air bags, anti-lock brakes, and anti-theft.
• MetLife offers discounts including good student, defensive driver, claim-free, good driver, accident-free, and multi-policy.
• State Farm includes discounts for good driver, accident-free, anti-theft, defensive driving training, student away at school, Drive Safe & Save, and Steer Clear safe driver discount.
• Progressive may offer discounts for homeowner, multi-vehicle, continuous coverage, online signing, online quote discount, good student, and multi-policy.
• Mercury Insurance has savings for good driver, multi-policy, age of vehicle, annual mileage, good student, and type of vehicle.
• 21st Century policyholders can earn discounts including early bird, student driver, homeowners, anti-lock brakes, theft prevention, and good student.
• Allstate offers premium reductions for utility vehicle, safe driver, eSmart discount, defensive driver, and new car.

If you are trying to find affordable Nissan Pathfinder insurance quotes, ask every company to apply every possible discount. Depending on the company, some discounts may not apply to policyholders in Cincinnati. To see a list of insurance companies offering insurance discounts in Ohio, follow this link.

When price shopping your coverage, getting more free quotes increases the chance that you will find more affordable rates.

The providers in the list below are our best choices to provide free rate quotes in Ohio. If multiple companies are listed, we recommend you visit as many as you can in order to get a fair rate comparison.

Nissan Pathfinder insurance charts and tables

The price information below covers detailed analysis of coverage prices for Nissan Pathfinder models. Understanding more about how insurance rates are established can aid in making decisions when shopping around.

Data rating is based on married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Price information does not factor in your specific Cincinnati location which can increase or decrease insurance rates significantly.

Auto insurance deductibles

When comparing auto insurance rates, the most common question is at what level do you set your deductibles. The premium rates below may help to illustrate the costs and benefits when you select higher and lower physical damage deductibles. The first rate estimation uses a $250 deductible and the second pricing table uses a $1,000 deductible.

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Rate information does not factor in specific garaging location which can modify rates substantially.

Based on the figures above, using a $250 deductible costs roughly $17 more each month or $204 annually than buying the higher $1,000 deductible. Because you would pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you usually have at a minimum 44 months between claim filings, you would most likely save money going with the higher deductible. Here is the way you can perform this determination yourself.

An important sidenote is that higher deductibles results in having to pay to pay more out-of-pocket when you do file a claim. You need to have a higher level of savings in the event you have to pay the higher deductible.

The example below illustrates how choosing a deductible and can impact Nissan Pathfinder insurance rates for each different age group. The premiums assume a married male driver, full physical damage coverage, and no policy discounts are applied.

Nissan Pathfinder liability rates compared to full coverage

The chart below illustrates the difference between Nissan Pathfinder car insurance rates with liability coverage only compared to full coverage. The premiums are based on no claims, a clean driving record, $100 deductibles, marital status is single, and no additional discounts are factored in.

When to drop comprehensive and collision coverage

There is no clear-cut rule to delete comprehensive and collision coverage on your policy, but there is a general convention. If the annual cost of coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, the it may be a good time to stop paying for full coverage.

For example, let’s assume your Nissan Pathfinder replacement cost is $7,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $6,000 after paying the physical damage deductible. If you are paying in excess of $600 a year for full coverage, the it may be a good time to stop paying for full coverage.

There are some conditions where eliminating full coverage is not financially feasible. If you still owe money on your vehicle, you have to maintain full coverage to protect the lienholder’s interest. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should not buy liability only.

You may need help from an insurance agency

Certain consumers just want to talk to a local agent and that is not a bad decision The biggest benefit of comparing insurance online is that drivers can save money and get the best rates and still have an agent to talk to.

By using this form (opens in new window), the quote information is sent to local insurance agents in Cincinnati who want to provide quotes and help you find cheaper coverage. You never need to leave your computer as quotes are delivered straight to your inbox. It’s the lowest rates and a licensed agent to talk to. If you need to get a rate quote from a specific insurance provider, you can always visit that company’s website and submit a quote form there.

Choosing the best insurance company should depend on more than just the price. A good agent in Cincinnati will have answers to these questions.

• Do they offer rental car reimbursement?
• Is the agency active in community causes in Cincinnati?
• Do they get extra compensation for selling add-on coverages?
• Is the agent CPCU or CIC certified?
• Are they properly licensed to sell insurance in Ohio?

Choose the right auto insurance agent

If you are searching for a local Cincinnati insurance agent, you must know there are a couple different types of agents and how they differ in how they can insure your vehicles. Agencies in Cincinnati can be classified as either exclusive or independent agents depending on their company appointments.

Exclusive Insurance Agencies

Exclusive insurance agents can only write with one company and some examples include State Farm, Allstate, and Farm Bureau. Exclusive agencies are unable to provide rate quotes from other companies so they have no alternatives for high prices. Exclusive agents are trained well on their company’s products which can be an advantage.

Listed below is a short list of exclusive agents in Cincinnati that are able to give rate quotes.

More Cincinnati agents

Independent Insurance Agencies

Agents that elect to be independent are not required to write business for one company so they can write business with a variety of different insurance companies and help determine which has the cheapest rates. To transfer your coverage to a different company, your agent can just switch to a different company and you can keep the same agent. If you are trying to find cheaper rates, it’s a good idea to compare prices from multiple independent agents for the best price selection.

Listed below are independent insurance agents in Cincinnati willing to provide comparison quotes.

More Cincinnati agents

After receiving good feedback for all questions you ask and an acceptable price quote, you may have found a car insurance agent that meets the requirements to service your policy. Keep in mind you are able to cancel a policy whenever you want so don’t think you’re contractually obligated to a policy with no way to switch.

Car insurance is not optional but you don’t have to overpay

Even though it’s not necessarily cheap to insure a Nissan in Cincinnati, paying for car insurance serves several important purposes.

• Most states have minimum liability requirements which means you are required to carry specific limits of liability insurance if you don’t want to risk a ticket. 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.
• If your vehicle has a lienholder, most lenders will require that you carry insurance to protect their interest in the vehicle. If you cancel or allow the policy to lapse, the bank may insure your Nissan for a much higher rate and force you to pay the higher price.
• Insurance protects both your assets and your car. It will also cover all forms of medical expenses that are the result of an accident. Liability insurance also covers all legal expenses up to the policy limit in the event you are sued. If damage is caused by hail or an accident, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage minus the deductible amount.

The benefits of buying enough insurance are definitely more than the cost, particularly if you ever have a claim. In a recent study of 1,000 drivers, the average customer is currently overpaying as much as $865 each year so you should quote rates each time the policy renews to ensure rates are inline.

Auto insurance coverages explained

Learning about specific coverages of a auto insurance policy helps when choosing the right coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. These are typical coverage types available from auto insurance companies.

Comprehensive or Other Than Collision – This covers damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as vandalism, damage from a tornado or hurricane, rock chips in glass, a broken windshield and theft. The maximum payout your auto insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability coverages – This coverage provides protection from injuries or damage you cause to a person or their property that is your fault. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers things such as legal defense fees, repair bills for other people’s vehicles, court costs and loss of income. The amount of liability coverage you purchase is up to you, but consider buying higher limits if possible. Ohio requires minimum liability limits of 25/50/25 but drivers should carry more liability than the minimum.

The illustration below shows why buying the state minimum limits may not provide you with enough coverage.

UM/UIM Coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Nissan Pathfinder.

Since many Ohio drivers carry very low liability coverage limits (which is 25/50/25), their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical costs insurance – Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses like surgery, dental work, rehabilitation expenses and X-ray expenses. They are used to fill the gap from your health insurance plan or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Collision coverage – This will pay to fix damage to your Pathfinder from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like colliding with another moving vehicle, driving through your garage door, rolling your car and crashing into a building. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible on your Pathfinder in order to get cheaper collision rates.

Persistent drivers can save

While you’re price shopping online, make sure you don’t buy lower coverage limits just to save a few bucks. In many instances, an insured dropped liability coverage limits only to regret that a couple dollars of savings turned into a financial nightmare. The aim is to purchase plenty of coverage for the lowest price, but do not skimp to save money.

You just learned many ways to get a better price on Nissan Pathfinder insurance in Cincinnati. The most important thing to understand is the more providers you compare, the better chance you’ll have of finding low cost Cincinnati auto insurance quotes. Consumers may even find the lowest prices come from a small local company. These smaller insurers can often provide lower rates in certain areas than their larger competitors like Progressive or GEICO.

How to save on Nissan Pathfinder insurance in Cincinnati

Really, the only way to get discount auto insurance rates is to start doing a yearly price comparison from insurers that sell auto insurance in Cincinnati. Rates can be compared by following these guidelines.

• First, take a few minutes and learn about coverages and the things you can change to keep rates low. Many things that result in higher rates such as speeding tickets, careless driving and a bad credit score can be improved by making minor changes in your lifestyle.
• Second, quote rates from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only give rate quotes from a single company like GEICO or State Farm, while independent agents can provide prices for many different companies.
• Third, compare the price quotes to your current policy to see if switching to a new carrier will save money. If you find a lower rate quote and switch companies, make sure there is no lapse in coverage.

The most important part of shopping around is to try to compare the same physical damage deductibles and liability limits on each quote and to quote with as many different companies as possible. This provides a fair rate comparison and a better comparison of the market.

To read more, link through to these articles:

• Credit and Insurance Scores (Insurance Information Institute)
• How Much is Car Insurance for a Jeep Grand Cherokee in Cincinnati? (FAQ)
• Electronic Stability Control FAQ (iihs.org)
• Older Driver Statistics (Insurance Information Institute)
• New head restraint design cuts injuries (Insurance Institute for Highway Safety)
• Air Bags: Potential Dangers to Your Children (Insurance Information Institute)