Are you doing reasearch to find more competitive Nissan Pathfinder insurance in Fort Collins? Are you sick and tired of being strong-armed to insure your Nissan every month? You're in the same situation as the majority of other people in Colorado.

Insurance for Nissan PathfinderRemarkably, a study showed that nearly 70% of consumers kept their coverage with the same insurance company for at least the last four years, and nearly the majority have never compared insurance rates at all. Fort Collins drivers could cut their rates by nearly $600 a year, but they just don't understand how easy it is to compare rates online.

Numerous car insurance companies battle to insure your vehicles, so it's not easy to compare every company to find the lowest cost out there.

Smart consumers take time to compare rates as often as possible due to the fact that insurance prices are variable and change quite frequently. Even if you got the best quotes on Nissan Pathfinder insurance in Fort Collins a year ago a different company probably has better rates today. Block out anything you think you know about insurance because I'm going to let you in on the secrets to the things you must know in order to find better coverage on Nissan Pathfinder insurance in Fort Collins at a better price.

Auto insurance policy discounts you can't miss

Car insurance can cost a lot, but you may find discounts that may help make it more affordable. A few discounts will be applied when you get a quote, but some must be manually applied before you get the savings.Discount auto insurance

As a footnote on discounts, most discount credits are not given the the whole policy. Some only apply to individual premiums such as liability, collision or medical payments. Despite the fact that it seems like you would end up receiving a 100% discount, it just doesn't work that way.

A few companies that have these discounts include:

Before buying, ask every insurance company which discounts you qualify for. Some of the discounts discussed earlier may not be available in Fort Collins.

When price shopping your coverage, quoting more provides better odds of finding the best price. Some companies don't provide online rate quotes, so you also need to get prices from those companies as well.

The providers in the list below can provide quotes in Fort Collins, CO. If several companies are displayed, we recommend you visit several of them to find the most competitive car insurance rates.

Nissan Pathfinder Insurance Price Estimates in Fort Collins, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pathfinder S 2WD $186 $298 $358 $22 $108 $972 $81
Pathfinder S 4WD $162 $232 $358 $22 $108 $882 $74
Pathfinder SE 2WD $144 $232 $368 $22 $110 $876 $73
Pathfinder SE 4WD $232 $372 $330 $20 $98 $1,052 $88
Pathfinder LE 2WD $172 $264 $362 $22 $108 $928 $77
Pathfinder LE 4WD $210 $354 $474 $28 $142 $1,208 $101
Get Your Own Custom Quote Go

Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Information does not factor in your specific Fort Collins location which can alter price quotes significantly.

Accidents and violations increase rates

The illustration below shows how speeding tickets and at-fault collisions drive up Nissan Pathfinder insurance costs for different categories of driver ages. The information is based on a single male driver, full coverage, $1,000 deductibles, and no additional discounts are factored in.

Can higher deductibles save money?

When comparing auto insurance rates, the most common question is which deductible level should you buy. The following insurance rates can help illustrate the premium difference when you buy lower versus higher comp and collision deductibles. The first pricing table uses a $100 deductible for comp and collision and the second price table uses a $1,000 deductible.

Nissan Pathfinder insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pathfinder S 2WD $264 $448 $352 $20 $106 $1,215 $101
Pathfinder S 4WD $302 $448 $352 $20 $106 $1,253 $104
Pathfinder SE 2WD $302 $448 $352 $20 $106 $1,253 $104
Pathfinder SE 4WD $302 $448 $352 $20 $106 $1,253 $104
Pathfinder LE 2WD $342 $546 $352 $20 $106 $1,391 $116
Pathfinder LE 4WD $342 $546 $352 $20 $106 $1,391 $116
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Nissan Pathfinder insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pathfinder S 2WD $146 $236 $352 $20 $106 $860 $72
Pathfinder S 4WD $168 $236 $352 $20 $106 $882 $74
Pathfinder SE 2WD $168 $236 $352 $20 $106 $882 $74
Pathfinder SE 4WD $168 $236 $352 $20 $106 $882 $74
Pathfinder LE 2WD $190 $288 $352 $20 $106 $956 $80
Pathfinder LE 4WD $190 $288 $352 $20 $106 $956 $80
Get Your Own Custom Quote Go

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Premium amounts do not factor in specific Fort Collins garaging location which can change premiums greatly.

Based on this data, using a $100 deductible could cost the average driver approximately $32 more each month or $384 each year than buying the higher $1,000 deductible. Due to the fact that you would have to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to average at least 28 months between claims, you would probably save some money by going with a higher deductible.

Do I need an insurance agent?

Some consumers would rather get advice from a local agent and there is nothing wrong with that. A good thing about comparing insurance prices online is that you can find lower rates and still have an agent to talk to. Putting coverage with local insurance agents is especially important in Fort Collins.

Insurance agency in Fort CollinsOnce you complete this form (opens in new window), your information is emailed to local insurance agents in Fort Collins who will return price quotes for your business. You never need to do any legwork as quotes are delivered directly to you. You can find better rates without a big time investment. If you need to get a rate quote from a specific insurance provider, don't hesitate to visit that company's website and complete a quote there.

Do you need an independent or exclusive auto insurance agent?

If you would like to find a reputable agency, you should know the types of insurance agents and how they differ in how they can insure your vehicles. Insurance agents can be described as either exclusive or independent (non-exclusive).

Independent Insurance Agents (or Brokers)

Independent agencies are not employed by one company so as a result can place your coverage with a variety of different insurance companies and find the cheapest insurance rates. If premiums increase, your agent can just switch to a different company without you having to go to a different agency.

If you are comparing insurance prices, you will want to check rates from several independent insurance agents to get the best comparison.

The following is a partial list of independent agents in Fort Collins who may provide competitive price quotes.

4532 Mcmurry Ave Ste 101 - Fort Collins, CO 80525 - (970) 206-0800 - View Map

4532 E Boardwalk Dr #200 - Fort Collins, CO 80525 - (970) 482-7747 - View Map

421 Stover St - Fort Collins, CO 80524 - (970) 224-5500 - View Map

More Fort Collins agents

Exclusive Insurance Agencies

Exclusive agencies can only write with one company like State Farm, AAA, Farmers Insurance or Allstate. Exclusive agencies are unable to provide rate quotes from other companies so they have to upsell other benefits. Exclusive insurance agents are well schooled on sales techniques and that can be a competitive advantage.

Listed below is a list of exclusive insurance agencies in Fort Collins that are able to give rate quotes.

315 W Magnolia St # 7 - Fort Collins, CO 80521 - (970) 407-0706 - View Map

1008 Driftwood Dr Ste B - Fort Collins, CO 80525 - (970) 204-1100 - View Map

4020 S College Ave #10 - Fort Collins, CO 80525 - (970) 226-5034 - View Map

More Fort Collins agents

Deciding on a insurance agent shouldn't rely on just the price. The following questions are important to ask.

After getting positive feedback to any questions you have and an affordable coverage quote, chances are good that you have found an insurance agency that is a good match to service your policy.

Persistent drivers can save

Affordable Nissan Pathfinder insurance in Fort Collins is attainable online and from local agencies, and you should compare price quotes from both in order to have the best price selection to choose from. Some companies do not provide online quoting and usually these smaller providers only sell through local independent agencies.

As you go through the steps to switch your coverage, you should never buy poor coverage just to save money. There have been many situations where an insured dropped liability limits or collision coverage to discover at claim time that the small savings ended up costing them much more. Your aim should be to buy enough coverage for the lowest cost, but don't skip important coverages to save money.

We covered a lot of ways to shop for Nissan Pathfinder insurance online. The most important thing to understand is the more you quote Fort Collins car insurance, the better your chances of lowering your prices. Consumers may even find the biggest savings come from some of the smallest insurance companies. These companies may cover specific market segments cheaper as compared to the big name companies such as State Farm and Allstate.

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