Are you searching for cheaper Nissan Pathfinder insurance in Colorado Springs? Perplexed by the dozens of car insurance providers in your area? Drivers have so many providers available that it can quickly become a difficult situation to lower your premium rates for Nissan Pathfinder insurance in Colorado Springs. Colorado Springs is a good city to live in, but high car insurance prices makes it very hard to afford coverage.
Statistics show that nearly 70% of customers kept their coverage with the same car insurance company for more than four years, and nearly the majority have never quoted rates to find cheap coverage. Colorado Springs insurance shoppers can save hundreds of dollars each year by just comparing quotes, but most tend to underestimate how much they could save if they just switched companies.
Quoting the cheapest car insurance policy in Colorado Springs is not as hard as you may think. Nearly each driver who has to purchase car insurance stands a good chance to be able to save money. Although Colorado consumers must learn how companies calculate your car insurance rates and use it to your advantage.
When comparison shopping, comparing all the rates in your area gives you a better chance of getting more affordable rates. Some insurance companies are not set up to provide online price quotes, so it's important to compare prices on coverage from those companies, too.
The car insurance companies shown below are ready to provide free rate quotes in Colorado Springs, CO. If the list has multiple companies, we suggest you visit two to three different companies to get the most affordable price.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Pathfinder S 2WD||$174||$278||$362||$22||$108||$944||$79|
|Pathfinder S 4WD||$192||$236||$460||$28||$138||$1,054||$88|
|Pathfinder SE 2WD||$212||$342||$456||$28||$136||$1,174||$98|
|Pathfinder SE 4WD||$192||$236||$460||$28||$138||$1,054||$88|
|Pathfinder LE 2WD||$162||$282||$368||$22||$110||$944||$79|
|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 safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Rates do not factor in Colorado Springs location which can change auto insurance rates noticeably.
Liability only or full coverage
The diagram below illustrates the comparison of Nissan Pathfinder premium costs with full phyical damage coverage and with liability coverage only. The rate quotes are based on no claims or driving violations, $250 deductibles, married female driver, and no other discounts are factored in.
Guidelines for eliminating full coverage
There is no written rule for eliminating physical damage coverage, but there is a general guideline. If the yearly cost of comp and collision coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then you may want to consider only buying liability coverage.
For example, let's assume your Nissan Pathfinder book value is $6,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $5,000 after paying the physical damage deductible. If you are currently paying more than $500 annually for full coverage, then it's probably a good time to buy liability coverage only.
There are some situations where buying only liability insurance is not financially feasible. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage in order to satisfy the requirements of the loan. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is damaged, you should keep full coverage in place.
An analysis of deductible level
The chart below demonstrates how deductible levels and can increase or decrease Nissan Pathfinder annual premium costs for different age groups of insureds. The premiums are based on a married female driver, full physical damage coverage, and no additional discounts are factored in.
Don't assume everyone needs the same car insurance coverage
When it comes to coverage online or from an agent for your vehicles, there really isn't a best way to insure your cars. Your situation is unique so your insurance should reflect that These are some specific questions can help discover if your situation would benefit from an agent's advice.
- Why do I need rental car insurance?
- Why do I only qualify for high-risk insurance?
- Should I rate my vehicle as business use?
- What is no-fault insurance?
- Is my Nissan Pathfinder covered for smoke damage?
- Am I covered if I hit someone who is not insured?
If you don't know the answers to these questions but a few of them apply then you might want to talk to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier
Car insurance quotes from local Colorado Springs insurance agencies
Certain consumers prefer to sit down with an agent and that can be a great decision An additional benefit of getting online price quotes is you can get cheap car insurance rates but still work with a licensed agent. Supporting local insurance agents is still important in Colorado Springs.
To help locate an agent, after submitting this form (opens in new window), the quote information is transmitted to local insurance agents that can provide free Colorado Springs auto insurance quotes for your business. You won't even need to do any legwork because prices are sent directly to you. Get lower rates AND an agent nearby. If you have a need to get a comparison quote from a specific company, you would need to jump over to their website and fill out their quote form.
If you're trying to find a local insurance agency, you need to know there are two types of agencies that differ in how they can insure your vehicles. Car insurance policy providers can be categorized as either independent agents or exclusive agents.
Independent agents can quote rates with many companies so they can write business with many different companies and find you cheaper rates. If you are not satisfied with one company, they simply move the coverage in-house which makes it simple for you. When comparing car insurance rates, you should always include rate quotes from at least one independent agent so that you can do a thorough price comparison. They also have the ability to place coverage with additional companies that you may not be familiar with which can save you money.
Listed below are Colorado Springs independent insurance agents that can give you free car insurance rate quotes.
- Solid Rock Insurance Agency
2850 Serendipity Cir W #230 - Colorado Springs, CO 80917 - (719) 574-0082 - View Map
- O'Donnell Agency Inc
707 S Tejon St - Colorado Springs, CO 80903 - (719) 227-7100 - View Map
- A Better Choice Auto Insurance
1863 N Circle Dr - Colorado Springs, CO 80909 - (719) 667-1301 - View Map
Exclusive Insurance Agencies
Agents that choose to be exclusive work for only one company and some examples include Allstate, Farmers Insurance or State Farm. They are unable to give you multiple price quotes so it's a take it or leave it situation. Exclusive agencies receive extensive training on the products they sell which helps them sell on service rather than price. Many people choose to use an exclusive agent mostly because of the prominence of the brand rather than low rates.
Listed below is a list of exclusive insurance agencies in Colorado Springs that can give you price quotes.
- American Family Insurance - Steve Stiltner
4549 Austin Bluffs Pkwy - Colorado Springs, CO 80918 - (719) 596-8812 - View Map
- J.R. Rodney State Farm®
1825 Main St #D - Colorado Springs, CO 80911 - (719) 392-7366 - View Map
- American Family Insurance - Michael Brandl Agency Inc.
1965 Dominion Way Ste 120 - Colorado Springs, CO 80918 - (719) 630-7557 - View Map
Finding the right auto insurance agent should include more criteria than just a cheap price. Some important questions to ask are:
- Are there any discounts that you might be missing?
- Is auto insurance their primary focus in Colorado Springs?
- Are they paid to recommend certain coverages?
- Is the quote a firm price?
- What are the financial ratings for the companies they represent?