Insurance for Nissan PathfinderHow many times have you put off comparing quotes for more affordable car insurance rates in Denver, CO? Denver drivers have lots of choices when trying to find the lowest priced Nissan Pathfinder insurance. They can either waste time struggling with agents trying to get quotes or save time using the internet to make rate comparisons.

There are both good and bad ways to find car insurance online and you need to know the best way to get price quotes for a new or used Nissan and locate the best price possible either online or from Denver insurance agents.

It's smart to get comparison quotes once or twice a year because insurance rates change regularly. If you had the best deal on Nissan Pathfinder insurance in Denver on your last policy you can probably find a better price now. Forget anything you know (or think you know) about car insurance because you're about to find out one of the quickest ways to get good coverage on Nissan Pathfinder insurance in Denver at a lower rate.

These techniques will tell you how to compare rates easily and some tips to save money. If you have insurance now, you stand a good chance to be able to buy cheaper car insurance using the concepts you're about to learn. Consumers just need to know the least time-consuming way to quote multiple rates from many companies at once.

Finding a better price on insurance can be surprisingly simple. The only thing you need to do is spend a few minutes to get quotes from some recommended companies.

The following companies are our best choices to provide quotes in Denver, CO. If several companies are displayed, it's a good idea that you visit two to three different companies in order to get a fair rate comparison.

Nissan Pathfinder Insurance Price Estimates in Denver, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pathfinder S 2WD $184 $342 $456 $28 $136 $1,146 $96
Pathfinder S 4WD $252 $304 $460 $28 $138 $1,182 $99
Pathfinder SE 2WD $246 $346 $362 $22 $108 $1,084 $90
Pathfinder SE 4WD $302 $462 $474 $28 $142 $1,408 $117
Pathfinder LE 2WD $264 $448 $368 $22 $110 $1,212 $101
Pathfinder LE 4WD $194 $314 $338 $20 $100 $966 $81
Get Your Own Custom Quote Go

Prices based on married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Price information does not factor in vehicle location which can modify coverage prices greatly.

Impact of speeding/accidents on auto insurance rates

The example below demonstrates how speeding tickets and fender-benders can impact Nissan Pathfinder premium costs for each different age group. The information is based on a single male driver, full physical damage coverage, $250 deductibles, and no discounts are factored in.

An analysis of deductible level

When buying auto insurance, a common question is how high should the physical damage coverage deductibles be. The comparison tables below help summarize the rate differences when you choose different policy deductibles. The first price estimate table uses a $100 physical damage coverage deductible and the second price grid 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
Get Your Own Custom Quote Go
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

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Price estimates do not factor in the specific area where the vehicle is garaged which can increase or decrease prices noticeably.

We can estimate from the data above that using a $100 deductible could cost the average driver approximately $32 more each month or $384 every year than quoting the higher $1,000 deductible. Since you would pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to go more than 28 months between claims, you would save money if you choose a higher deductible. Here's the way you can do this calculation yourself.

Average monthly premium for $100 deductibles: $108
Average monthly premium for $1,000 deductibles (subtract): - $76
Monthly savings from raising deductible: $32
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $32
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 28 months

One thing to note is that increasing deductibles to lower your rates results in having to pay to pay more out-of-pocket at claim time. That will necessitate enough disposable savings in the event you need to pay the higher deductible.

Lower-cost Denver auto insurance quotes with discounts

Companies do not advertise the complete list of policy discounts very well, so the list below details both well-publicized and also the more inconspicuous discounts that may be available.Save money with discounts

Drivers should understand that most discounts do not apply to the entire policy premium. A few only apply to the cost of specific coverages such as medical payments or collision. Just because it seems like all the discounts add up to a free policy, you won't be that lucky.

The best auto insurance companies and some of their more popular discounts are detailed below.

Check with every prospective company which discounts they offer. Some of the earlier mentioned discounts may not apply to policies in your state.

Get rate quotes but buy from a local Denver insurance agency

Many people would rather visit with an insurance agent and that is a smart decision Insurance agents will help you protect your assets and help submit paperwork. The biggest benefit of comparing insurance prices online is that you can find lower rates and still choose a local agent. Buying from and supporting local agents is definitely important in Denver.

To help locate an agent, after submitting this simple form, the coverage information is instantly submitted to participating agents in Denver who will give you quotes for your business. You won't even need to drive around since price quotes are sent to you instantly. If you have a need to compare prices from one company in particular, don't hesitate to jump over to their website to submit a rate quote request.

When researching a reliable insurance agent, it helps to know the two different types of agents and how they can quote your rates. Insurance agencies in Denver are classified as either independent agents or exclusive agents. Either one can properly insure your vehicles, but it is important to understand the differences since it may influence buying decisions.

Independent Car Insurance Agents

These agents do not work for one specific company so as a result can place your coverage with lots of companies and possibly get better coverage at lower prices. If your premiums go up, your policy is moved internally which requires no work on your part. If you need lower rates, you should always include independent agents to get the most accurate price comparison. Most independent agents also contract with companies that do not advertise much which could offer lower prices.

Featured below are Denver independent insurance agencies that may be able to give competitive price quotes.

More Denver agents

Exclusive Insurance Agencies

Exclusive insurance agents normally can only provide a single company's rates and examples are Farmers Insurance, Allstate, or State Farm. Exclusive agents are unable to provide other company's prices so always compare other rates. They are well trained on the products they sell and that allows them to sell at a higher price point. Drivers often buy from exclusive agents mainly due to loyalty to the company rather than low price.

The following are Denver exclusive agents that are able to give rate quotes.

More Denver agents

Finding the right insurance agency shouldn't rely on just a cheap price quote. Before buying a policy in Denver, get answers to these questions.

Reduce Insurance Rates with These Tips

Smart consumers have a good feel for a few of the rating criteria that are used to determine the level of your policy premiums. When consumers understand what impacts premium levels, this helps enable you to make changes that could help you find better auto insurance rates. Many different elements are used when quoting car insurance. Some are obvious like a motor vehicle report, but other factors are more transparent such as your marital status or how financially stable you are.

Listed below are a few of the things used by insurance companies to determine prices.

Why do I need car insurance?

Despite the potentially high cost of Nissan Pathfinder insurance, maintaining insurance may be required for several reasons.

The benefits of insuring your Pathfinder are definitely more than the cost, particularly for liability claims. But the average driver in Colorado overpays as much as $869 every year so compare rates at every policy renewal to help ensure money is not being wasted.

The best insurance company isn't always the cheapest

Budget-conscious Nissan Pathfinder insurance can be found from both online companies and from local insurance agents, and you need to price shop both to have the best chance of lowering rates. Some insurance providers may not offer internet price quotes and most of the time these small insurance companies work with local independent agents.

People change insurance companies for a number of reasons such as extreme rates for teen drivers, unfair underwriting practices, lack of trust in their agent or questionable increases in premium. No matter why you want to switch, switching auto insurance companies is not as hard as you think.

We just showed you a lot of tips how to compare Nissan Pathfinder insurance premium rates in Denver. The most important thing to understand is the more you quote Denver auto insurance, the higher the chance of saving money. Consumers could even find that the biggest savings come from some of the lesser-known companies.

Helpful resources