The easiest way to get more affordable Nissan Pathfinder insurance in Las Vegas is to regularly compare quotes from insurance carriers who can sell car insurance in Nevada.
First, try to learn a little about what is in your policy and the measures you can take to lower rates. Many policy risk factors that result in higher prices like accidents, traffic tickets, and a less-than-favorable credit rating can be remedied by paying attention to minor details. This article provides additional ideas to get cheaper rates and get additional discounts that may have been overlooked.
Second, compare rates from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can give quotes from a single company like GEICO or Allstate, while independent agents can quote rates for a wide range of companies. Select a company
Third, compare the new rates to your current policy to see if you can save by switching companies. If you find better rates and make a switch, make sure coverage is continuous and does not lapse.
Fourth, notify your company or agent to cancel your current policy and submit the required down payment along with the signed application to your new insurance company. As soon as you can, keep the new proof of insurance certificate along with the vehicle’s registration papers.
The most important part of this process is to compare the same level of coverage on each quote request and and to get quotes from as many different companies as possible. This helps ensure a fair rate comparison and a thorough selection of prices.
A study showed that a large majority of drivers have been with the same company for a minimum of four years, and 38% of customers have never compared rates from other carriers. Drivers in the U.S. could save an average of $860 each year by just comparing rate quotes, but most just don’t grasp how much money they would save if they switched to a more affordable policy.
Shopping for the best policy in Las Vegas can be fairly easy. Basically, anyone who carries insurance will find a lower-cost company. But Nevada consumers must comprehend the methods companies use to determine premium rates and apply this information to your search.
Companies offering low-cost Nissan Pathfinder rate quotes in Las Vegas, NV
The companies shown below can provide price quotes in Las Vegas, NV. If you want cheap auto insurance in NV, we suggest you visit several of them to find the most affordable auto insurance rates.
Detailed insurance information
The premium table displayed below highlights a range of insurance premium costs for Nissan Pathfinder models. Having a good grasp of how insurance prices are figured helps drivers make decisions when shopping your coverage around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Pathfinder S 2WD | $110 | $214 | $348 | $20 | $104 | $796 | $66 |
| Pathfinder S 4WD | $126 | $214 | $348 | $20 | $104 | $812 | $68 |
| Pathfinder SE 2WD | $126 | $214 | $348 | $20 | $104 | $812 | $68 |
| Pathfinder SE 4WD | $126 | $214 | $348 | $20 | $104 | $812 | $68 |
| Pathfinder LE 2WD | $142 | $260 | $348 | $20 | $104 | $874 | $73 |
| Pathfinder LE 4WD | $142 | $260 | $348 | $20 | $104 | $874 | $73 |
| Get Your Own Custom Quote Go | |||||||
Prices based on single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Nevada minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Prices do not factor in specific location information which can impact premiums considerably.
Physical damage deductibles: Should you raise them?
One of the most common auto insurance questions is which comprehensive and collision deductibles to buy. The rates below illustrate the premium difference of buying low and high comp and collision deductibles. The first rate table uses a $100 physical damage deductible and the second set of prices uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Pathfinder S 2WD | $232 | $394 | $308 | $18 | $92 | $1,069 | $89 |
| Pathfinder S 4WD | $266 | $394 | $308 | $18 | $92 | $1,103 | $92 |
| Pathfinder SE 2WD | $266 | $394 | $308 | $18 | $92 | $1,103 | $92 |
| Pathfinder SE 4WD | $266 | $394 | $308 | $18 | $92 | $1,103 | $92 |
| Pathfinder LE 2WD | $300 | $478 | $308 | $18 | $92 | $1,221 | $102 |
| Pathfinder LE 4WD | $300 | $478 | $308 | $18 | $92 | $1,221 | $102 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Pathfinder S 2WD | $168 | $266 | $308 | $18 | $92 | $852 | $71 |
| Pathfinder S 4WD | $194 | $266 | $308 | $18 | $92 | $878 | $73 |
| Pathfinder SE 2WD | $194 | $266 | $308 | $18 | $92 | $878 | $73 |
| Pathfinder SE 4WD | $194 | $266 | $308 | $18 | $92 | $878 | $73 |
| Pathfinder LE 2WD | $218 | $324 | $308 | $18 | $92 | $960 | $80 |
| Pathfinder LE 4WD | $218 | $324 | $308 | $18 | $92 | $960 | $80 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Nevada minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Prices do not factor in zip code location which can modify rates noticeably.
Based on the data above, we can derive that using a $100 deductible could cost the average driver approximately $20 more each month or $240 each year averaged for all Pathfinder models than opting for the higher $500 deductible. Due to the fact that you would have to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you average more than 20 months between claim filings, you would more than likely save some money if you elect the higher deductible.
The chart below demonstrates how choosing different deductibles and can raise or lower Nissan Pathfinder annual premium costs for different age categories. The costs are based on a single female driver, full coverage, and no additional discounts are factored in.
Age, gender, and Nissan Pathfinder insurance
The diagram below shows the comparison of Nissan Pathfinder yearly insurance costs for male and female drivers. The data assumes a clean driving record, no claims, full coverage, $500 deductibles, marital status is single, and no discounts are taken into consideration.
Companies offer money-saving discounts on Nissan Pathfinder insurance in Las Vegas
Insurance can be prohibitively expensive, but companies offer discounts that can drop the cost substantially. Larger premium reductions will be automatically applied when you get a quote, but some must be asked about prior to getting the savings. If you don’t get every credit available, it’s possible you qualify for a lower rate.
- Multi-line Discount – Not all insurance companies offer life insurance, but some may give you a lower premium rate if you buy some life insurance too.
- Pay Upfront and Save – If you pay your entire premium ahead of time as opposed to paying monthly you can avoid monthly service charges.
- Multi-policy Discount – When you combine your home and auto insurance with the same insurance company you could save up to 20% off your total Pathfinder insurance premium.
- No Accidents – Drivers with accident-free driving histories can save substantially in comparison with insureds who have frequent claims or accidents.
- Low Mileage Discounts – Low mileage vehicles may allow you to get lower rates on the low mileage vehicles.
- Senior Discount – If you’re over the age of 55, you can possibly qualify for a small decrease in premiums.
- Club Memberships – Affiliation with qualifying clubs or civic groups can get you a small discount when getting a Las Vegas car insurance quote.
- Cautious Drivers – Accident-free drivers can save as much as half off their rates than their less cautious counterparts.
- Accident Forgiveness Coverage – Not really a discount, but companies like GEICO, Allstate and Liberty Mutual permit an accident without the usual rate increase so long as you are claim-free prior to the accident.
- Seat Belts Save – Drivers who always wear seat belts and also require passengers to buckle up can save up to 10 percent (depending on the company) on the medical payments or PIP coverage costs.
As a footnote on discounts, many deductions do not apply to the overall cost of the policy. Some only apply to the price of certain insurance coverages like liability and collision coverage. Even though the math looks like all those discounts means the company will pay you, it’s just not the way it works.
The chart below shows the comparison of Nissan Pathfinder yearly insurance costs with and without discounts applied to the rates. The information is based on a male driver, no claims, a clean driving record, Nevada state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, safe-driver, multi-car, homeowner, claim-free, and multi-policy discounts applied.
A few companies that may include most of the discounts above are:
When quoting, ask each company to apply every possible discount. All car insurance discounts might not be offered on policies in Las Vegas. To see companies who offer free Nissan Pathfinder insurance quotes in Nevada, click here.
What if I want to buy from local Las Vegas insurance agents?
Many drivers just want to buy from a licensed agent and that can be a great decision One of the great benefits of comparing insurance prices online is you may find cheaper prices but also keep your business local. Supporting local agents is definitely important in Las Vegas.
To make it easy to find an agent, after completing this form (opens in new window), your information is emailed to agents in your area who will gladly provide quotes and help you find cheaper coverage. There is no need to do any legwork due to the fact that quote results will go directly to your email. You can find lower rates and a licensed agent to talk to. If you need to get a price quote from a specific insurance company, you just need to navigate to their website to submit a rate quote request.
When researching an insurance agent, there are a couple of different agency structures that you can choose from. Las Vegas agents are categorized either independent agents or exclusive agents.
Independent Insurance Agents
Agents that elect to be independent can sell policies from many different companies and that enables them to quote your coverage with lots of companies and get you the best rates possible. If they find a lower price, the agent simply finds a different carrier and you won’t have to switch agencies.
When searching for an agent, we recommend you include rate quotes from at a minimum one independent agency to get the best comparison. Most independent agents also contract with smaller regional carriers which can be an advantage.
The following is a partial list of independent agents in Las Vegas that may be able to provide comparison quotes.
- Invest America Insurance LLC
6190 W Charleston Blvd – Las Vegas, NV 89146 – (702) 685-3888 – View Map - Leavitt Group – Leavitt Insurance Agency
7881 W Charleston Blvd #140 – Las Vegas, NV 89117 – (702) 382-4010 – View Map - Red Rock Insurance
1958 Village Center Cir #5 – Las Vegas, NV 89134 – (702) 733-0330 – View Map
Exclusive Insurance Agencies
Agents of this type can only quote rates from one company like American Family, State Farm, and Allstate. Exclusive agents are unable to give you multiple price quotes so if the price isn’t competitive there isn’t much they can do. These agents are usually quite knowledgeable in insurance sales which aids in selling service over price. Some insured continue to purchase coverage from exclusives partially due to the brand name rather than having the cheapest rates.
Listed below is a short list of exclusive agencies in Las Vegas that can give you rate quotes.
- Luria Walker – State Farm Insurance Agent
3124 N Rainbow Blvd – Las Vegas, NV 89108 – (702) 645-3300 – View Map - Jason Paszek – State Farm Insurance Agent
4250 E Bonanza Rd #16 – Las Vegas, NV 89110 – (702) 453-9500 – View Map - GEICO Insurance Agent
3315 W Craig Rd #110 – North Las Vegas, NV 89032 – (702) 643-0057 – View Map
Finding a good insurance agency shouldn’t rely on just a cheap price quote. Agents should be asked these questions:
- Will the company cover a rental car if your car is getting fixed?
- Do you need full coverage on every vehicle?
- Can you choose the body shop in case repairs are needed?
- Is the agent properly licensed in Nevada?
- Will a damage claim use OEM or aftermarket replacement parts?
- Do the companies they represent have a solid financial rating?
Don’t give up on cheaper rates
Insureds leave their current company for a variety of reasons including an unsatisfactory settlement offer, being labeled a high risk driver, lack of trust in their agent or even high prices. It doesn’t matter what your reason, finding a new company is pretty simple and you could end up saving a buck or two.
While you’re price shopping online, make sure you don’t skimp on coverage in order to save money. In too many instances, someone sacrificed comprehensive coverage or liability limits and learned later that the small savings ended up costing them much more. The aim is to purchase a proper amount of coverage at the lowest possible cost.
In this article, we covered many ideas to lower your Nissan Pathfinder insurance rates in Las Vegas. The key concept to understand is the more price quotes you have, the better likelihood of getting cheaper Las Vegas car insurance quotes. Consumers could even find that the best price on auto insurance is with some of the lesser-known companies.
More tips and info about auto insurance can be read by following these links:
- Protecting Teens from Drunk Driving (Insurance Information Institute)
- What Auto Insurance is Cheapest for a Chevrolet Malibu in Las Vegas? (FAQ)
- How Much is Las Vegas Auto Insurance for a School Permit? (FAQ)
- Who Has the Cheapest Las Vegas Auto Insurance for a Honda Accord? (FAQ)
- No-Fault Auto Insurance Statistics (Insurance Information Institute)
- Teen Driving Statistics (iihs.org)
- Think You’re a Safe Driver? (State Farm)
- Rental Car Insurance Tips (Insurance Information Institute)