Nissan Pathfinder Insurance Rates in Anchorage

It’s a known fact that auto insurance companies don’t want you comparing rates. People who do rate comparisons are highly likely to switch car insurance companies because the odds are good of finding more affordable rates. A study discovered that people who compared rate quotes regularly saved about $865 annually compared to other drivers who never compared rates.

If finding the cheapest price on car insurance in Anchorage is your ultimate goal, understanding how to quote and compare insurance rates can save time, money, and frustration.

Discount Nissan Pathfinder insuranceIf you want to save money, the best way to find better pricing on auto insurance rates in Anchorage is to start comparing prices yearly from companies in Alaska.

First, spend some time learning about how companies set rates and the things you can control to drop your rates. Many policy risk factors that drive up the price like speeding tickets, accidents and a not-so-good credit rating can be improved by making minor driving habit or lifestyle changes.

Second, request rate estimates from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only quote rates from one company like GEICO or Farmers Insurance, while agents who are independent can provide price quotes from many different companies. View prices

Third, compare the quotes to the premium of your current policy and determine if there is any savings. If you find a lower rate and change companies, make sure coverage does not lapse between policies.

One piece of advice is to try to compare identical limits and deductibles on every quote and and to look at every insurance company. This helps ensure the most accurate price comparison and the best price selection.

Obtaining price quotes for the best-priced coverage in Anchorage can be fairly easy. If you have coverage now or just want cheaper rates, you can follow these tips to buy cheaper auto insurance without reducing coverage. Smart shoppers just have to understand the proper methods to compare prices from multiple carriers.

Getting a cheaper price on Nissan Pathfinder insurance is a great way to save money. The only thing you need to do is invest a few minutes comparing rate quotes provided by online insurance companies.

The car insurance companies shown below provide comparison quotes in Anchorage, AK. If your goal is to find the best cheap car insurance in AK, we suggest you visit as many as you can to find the cheapest car insurance rates.

Cheaper Anchorage car insurance quotes with discounts

Some companies do not list the complete list of policy discounts very clearly, so the list below details a few of the more common in addition to some of the lesser obvious car insurance savings.Discount car insurance

Don’t be shocked that most credits do not apply to the overall cost of the policy. Most only reduce the cost of specific coverages such as medical payments or collision. Despite the appearance that you could get a free car insurance policy, companies wouldn’t make money that way.

The illustration below shows the comparison of Nissan Pathfinder insurance premiums with and without discounts applied to the rates. The prices are based on a female driver, no claims, a clean driving record, Alaska state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, multi-car, homeowner, multi-policy, and marriage discounts applied.

Car insurance companies that may have many of the previously listed discounts may include but are not limited to:

It’s a good idea to ask each company or agent which discounts can lower your rates. Depending on the company, some discounts may not apply to policies in your state. If you would like to view providers who offer online Nissan Pathfinder insurance quotes in Anchorage, click here to view.

Analysis of coverages

The information shown below outlines estimates of policy rates for Nissan Pathfinder models. Having a better understanding of how rates are established can benefit drivers when making informed coverage decisions.

Nissan Pathfinder Insurance Rates in Anchorage, AK
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pathfinder S 2WD $116 $200 $262 $16 $78 $672 $56
Pathfinder S 4WD $134 $200 $262 $16 $78 $690 $58
Pathfinder SE 2WD $134 $200 $262 $16 $78 $690 $58
Pathfinder SE 4WD $134 $200 $262 $16 $78 $690 $58
Pathfinder LE 2WD $150 $242 $262 $16 $78 $748 $62
Pathfinder LE 4WD $150 $242 $262 $16 $78 $748 $62
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Prices above based on married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Alaska minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Prices do not factor in specific Anchorage garaging location which can impact rates greatly.

Deductible comparison

A question often asked by Anchorage drivers is how high should your deductibles be. The following tables show the differences in premium rates when you select higher and lower insurance deductibles. The first data set uses a $250 physical damage coverage deductible and the second price grid uses a $1,000 deductible.

Nissan Pathfinder insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pathfinder S 2WD $184 $292 $272 $16 $82 $871 $73
Pathfinder S 4WD $210 $292 $272 $16 $82 $897 $75
Pathfinder SE 2WD $210 $292 $272 $16 $82 $897 $75
Pathfinder SE 4WD $210 $292 $272 $16 $82 $897 $75
Pathfinder LE 2WD $238 $354 $272 $16 $82 $987 $82
Pathfinder LE 4WD $238 $354 $272 $16 $82 $987 $82
Get Your Own Custom Quote Go

Nissan Pathfinder insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pathfinder S 2WD $114 $184 $272 $16 $82 $668 $56
Pathfinder S 4WD $130 $184 $272 $16 $82 $684 $57
Pathfinder SE 2WD $130 $184 $272 $16 $82 $684 $57
Pathfinder SE 4WD $130 $184 $272 $16 $82 $684 $57
Pathfinder LE 2WD $146 $222 $272 $16 $82 $738 $62
Pathfinder LE 4WD $146 $222 $272 $16 $82 $738 $62
Get Your Own Custom Quote Go

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Alaska minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Price information does not factor in specific zip code location which can lower or raise insurance rates considerably.

Based on the above data, using a $250 deductible could cost the average driver approximately $18 more each month or $216 annually across all Nissan Pathfinder models 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 tend to have more than 42 months between claim filings, you would more than likely save some money if you opt for a higher deductible.

Rate comparison of male drivers versus female drivers

The illustration below shows the difference between Nissan Pathfinder insurance premiums for male and female drivers. The premium estimates are based on no violations or accidents, full coverage, $100 deductibles, drivers are not married, and no discounts are applied.

Buying car insurance from Anchorage car insurance agents

Some people still like to go talk to an agent and doing so can bring peace of mind Experienced insurance agents are very good at helping people manage risk and help file insurance claims. The best thing about comparing car insurance online is the fact that drivers can get lower rates but still work with a licensed agent. Buying insurance from small agencies is especially important in Anchorage.

Anchorage insurance agentsTo find an agent, once you fill out this short form, your insurance coverage information is sent to companies in Anchorage that give free quotes for your insurance coverage. You won’t need to leave your computer due to the fact that quote results will go directly to your email. If you wish to compare prices from a specific company, just visit that company’s website to submit a rate quote request.

Multiple types of auto insurance agents in Anchorage

If you need to find a reliable insurance agent, you need to know there are two different types of agencies that you can select. Anchorage agents can be classified as either exclusive agents or independent agents. Both can insure your vehicles properly, but it’s worth learning how they are different because it can impact the selection process.

Independent Car Insurance Agents (or Brokers)

Independent agencies are not required to write business for one company so they have the ability to put coverage through many different car insurance companies and find you cheaper rates. To move your coverage to a new company, the business is moved internally which is easy for the insured.

When shopping rates, you definitely need to get rate quotes from independent agents to get the best comparison. Many write coverage with lesser-known insurance companies which can be an advantage.

Below is a small list of independent agents in Anchorage who may be able to give you cheap rate quotes.

More Anchorage agents

Exclusive Agencies

Agents that elect to be exclusive can only quote rates from one company and examples are Farmers Insurance or State Farm. Exclusive agents are unable to provide other company’s prices so you might not find the best rates. Exclusive insurance agents are usually quite knowledgeable on their products and sales techniques which helps them compete with independent agents. Consumers frequently purchase coverage from exclusives mostly because of the prominence of the brand and solid financial strength.

Shown below is a short list of exclusive insurance agents in Anchorage who can help you get price quotes.

More Anchorage agents

Finding the right auto insurance agent requires you to look at more than just a cheap quote. The following questions are important to ask.

After getting good answers to any questions you may have in addition to an acceptable price estimate, most likely you have located an insurance agent that meets the requirements to service your policy. But keep in mind you are entitled to cancel a policy any time you want so never assume that you are obligated to a specific company with no way to switch.

Car insurance can get complicated

Keep in mind that when it comes to choosing adequate coverage for your vehicles, there really isn’t a one-size-fits-all type of policy. Every situation is different.Safe vehicles cost less to insure

Here are some questions about coverages that can aid in determining if you might need an agent’s assistance.

If you’re not sure about those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, complete this form. It’s fast, free and can provide invaluable advice.

Car insurance coverage specifics

Knowing the specifics of car insurance can help you determine which coverages you need and proper limits and deductibles. Car insurance terms can be difficult to understand and nobody wants to actually read their policy.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP pay for immediate expenses for things like dental work, prosthetic devices and rehabilitation expenses. They can be used in conjunction with a health insurance policy or if you do not have health coverage. They cover both the driver and occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage – Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like damage from getting keyed, hitting a deer, hitting a bird and fire damage. The highest amount your car insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability – Liability coverage provides protection from injuries or damage you cause to people or other property that is your fault. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 50/100/25 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things such as funeral expenses, structural damage and attorney fees. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible. Alaska state minimum liability requirements are 50/100/25 but it’s recommended drivers buy better liability coverage.

The next chart demonstrates why buying minimum limits may not be adequate coverage.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries as well as damage to your Nissan Pathfinder.

Since a lot of drivers only purchase the least amount of liability that is required (which is 50/100/25), their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Frequently the UM/UIM limits are set the same as your liability limits.

Collision – This coverage covers damage to your Pathfinder caused by collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as rolling your car, crashing into a building, hitting a mailbox and hitting a parking meter. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Another option is to increase the deductible on your Pathfinder to bring the cost down.

In the end, you can save money

When you buy Anchorage car insurance online, it’s not a good idea to skimp on critical coverages to save a buck or two. There have been many situations where an insured dropped comprehensive coverage or liability limits and learned later that saving that couple of dollars actually costed them tens of thousands. The goal is to purchase plenty of coverage at the best price, but do not sacrifice coverage to save money.

In this article, we covered many ways to find lower-cost Nissan Pathfinder insurance in Anchorage. It’s most important to understand that the more price quotes you have, the better your chances of lowering your prices. You may even discover the best premium rates are with a smaller regional carrier.

A few companies may not have rates over the internet and most of the time these smaller companies only sell coverage through independent insurance agencies. Cost effective Nissan Pathfinder insurance is possible from both online companies as well as from independent agents in Anchorage, and you should compare rates from both in order to have the best price selection to choose from.

Much more information about auto insurance in Alaska is located at the links below