Cheapest Rate Quotes for Nissan Pathfinder Insurance in San Francisco

The recommended way to get budget Nissan Pathfinder insurance in San Francisco is to make a habit of comparing prices annually from insurance carriers in California.

Step 1: Gain an understanding of individual coverages and the factors you can control to lower rates. Many risk factors that result in higher rates such as distracted driving and a low credit rating can be rectified by making minor driving habit or lifestyle changes. Keep reading for additional tips to get affordable coverage and get discounts that may be overlooked.

Step 2: Compare prices from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only provide price estimates from a single company like Progressive or State Farm, while independent agents can provide prices for a wide range of companies.

Step 3: Compare the new rate quotes to the premium of your current policy to see if a cheaper price is available in San Francisco. If you find a lower rate quote and decide to switch, make sure there is no lapse between the expiration of your current policy and the new one.

Step 4: Provide adequate notice to your current company of your decision to cancel your current coverage. Submit a down payment along with a signed application to your new agent or company. Immediately upon receiving it, keep your new certificate of insurance in your glove compartment.

An essential thing to point out is to try to use the same physical damage deductibles and liability limits on every price quote and and to get rate quotes from as many companies as possible. Doing this enables an accurate price comparison and a good representation of prices.

Insurance for Nissan PathfinderIt’s hard to believe, but the vast majority of consumers have remained with the same auto insurance company for well over three years, and almost half have never compared rates from other carriers. Drivers in America could pocket roughly 47% a year by just comparing rate quotes, but they just don’t want to find lower-cost auto insurance rates.

If you currently have a car insurance policy, you will be able to find better prices using the techniques presented in this article. Locating the best rates in San Francisco can really be easy if you know what you’re doing. But California consumers must know how insurance companies market on the web and apply this information to your search.

Cheaper Nissan Pathfinder insurance rates in San Francisco

The price of auto insurance can be rather high, but you may be missing some discounts that can help lower your rates. Certain discounts will be triggered automatically at quote time, but a few must be specifically requested before you get the savings.Car insurance discounts

A little disclaimer on discounts, some credits don’t apply to your bottom line cost. Some only reduce specific coverage prices like comprehensive or collision. Just because you may think you can get free auto insurance, you won’t be that lucky. Any amount of discount will lower the premium cost.

The diagram below compares Nissan Pathfinder auto insurance costs with and without some available policy discounts. The premium estimates are based on a male driver, no violations or claims, California state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, multi-policy, claim-free, marriage, and multi-car discounts applied.

To see insurance companies with the best discounts in San Francisco, click here.

To find the best car insurance rates, there are several ways of comparing price quotes from different San Francisco insurance companies. The best method to do a complete rate comparison consists of obtaining rate quotes online.

It’s so fast and easy to compare rates online that it makes it obsolete to spend time driving to insurance agents’ offices. Comparing Nissan Pathfinder insurance rate quotes online eliminates this option unless you’re the type of person who wants the guidance of a local San Francisco agent. Although you can comparison shop online but purchase the actual policy in an agency.

When comparing car insurance rates, know that comparing a wide range of rates helps locate better pricing. Not every company allows you to get online price quotes, so it’s necessary to compare quotes from the smaller companies as well.

The companies shown below have been selected to offer free quotes in California. If multiple companies are listed, it’s highly recommended you get prices from several of them in order to find the lowest rates.

Analysis of coverages

The coverage information below highlights detailed analysis of insurance premium costs for Nissan Pathfinder models. Being able to understand how insurance prices are calculated is important for drivers to make decisions when shopping around.

Nissan Pathfinder Insurance Rates in San Francisco, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pathfinder S 2WD $340 $472 $578 $34 $174 $1,598 $133
Pathfinder S 4WD $390 $472 $578 $34 $174 $1,648 $137
Pathfinder SE 2WD $390 $472 $578 $34 $174 $1,648 $137
Pathfinder SE 4WD $390 $472 $578 $34 $174 $1,648 $137
Pathfinder LE 2WD $440 $576 $578 $34 $174 $1,802 $150
Pathfinder LE 4WD $440 $576 $578 $34 $174 $1,802 $150
Get Your Own Custom Quote Go

Data variables include single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Price estimates do not factor in San Francisco location which can lower or raise coverage prices significantly.

Deductible analysis

A question often asked by San Francisco drivers is where should you set your physical damage deductibles. The rates below may aid in understanding the difference in cost when you buy lower versus higher deductibles. The first rate quote example uses a $250 physical damage coverage deductible and the second set of rates uses a $1,000 deductible.

Nissan Pathfinder insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pathfinder S 2WD $298 $472 $442 $26 $132 $1,395 $116
Pathfinder S 4WD $342 $472 $442 $26 $132 $1,439 $120
Pathfinder SE 2WD $342 $472 $442 $26 $132 $1,439 $120
Pathfinder SE 4WD $342 $472 $442 $26 $132 $1,439 $120
Pathfinder LE 2WD $386 $576 $442 $26 $132 $1,587 $132
Pathfinder LE 4WD $386 $576 $442 $26 $132 $1,587 $132
Get Your Own Custom Quote Go

Nissan Pathfinder insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pathfinder S 2WD $184 $298 $442 $26 $132 $1,082 $90
Pathfinder S 4WD $210 $298 $442 $26 $132 $1,108 $92
Pathfinder SE 2WD $210 $298 $442 $26 $132 $1,108 $92
Pathfinder SE 4WD $210 $298 $442 $26 $132 $1,108 $92
Pathfinder LE 2WD $238 $362 $442 $26 $132 $1,200 $100
Pathfinder LE 4WD $238 $362 $442 $26 $132 $1,200 $100
Get Your Own Custom Quote Go

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Information does not factor in specific location information which can affect insurance rates considerably.

Based on this data, using a $250 deductible would cost the average driver about $29 more each month or $348 a year across all Nissan Pathfinder models than selecting the higher $1,000 deductible. Since you would have to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to go more than 26 months between claims, you would save more money by going with a higher deductible.

How to calculate deductible break even point

Average monthly premium for $250 deductibles: $123
Average monthly premium for $1,000 deductibles (subtract): – $94
Monthly savings from raising deductible: $29
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $29
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 26 months

Impact of violations and accidents on rates

The chart below demonstrates how speeding tickets and accidents raise Nissan Pathfinder auto insurance rates for each different age group. The data assumes a married male driver, full coverage, $500 deductibles, and no discounts are factored in.

Auto insurance is unique, just like you

When quoting and choosing insurance from an agent or online, there isn’t really a one size fits all plan. Everyone’s situation is a little different so your insurance should reflect thatSafe vehicles cost less to insure
For example, these questions might point out whether or not you might need professional guidance.

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

Compare prices but buy from a neighborhood San Francisco auto insurance agent

Many drivers still prefer to buy from a licensed agent and there is nothing wrong with that. An additional benefit of comparing car insurance online is you may find cheap car insurance rates and still have a local agent. Buying insurance from local agencies is important especially in San Francisco.

San Francisco insurance agentsAfter filling out this form (opens in new window), your insurance data is transmitted to agents in your area that give free quotes for your coverage. It’s much easier because you don’t need to drive around due to the fact that quote results will go directly to you. You can get cheaper car insurance rates without requiring a lot of work. If for some reason you want to get a price quote from one company in particular, feel free to jump over to their website and fill out the quote form the provide.

Exclusive or Independent: There is a difference

If you need to find a local insurance agency, you must know there are a couple types of insurance agents and how they work. San Francisco agents are either exclusive or independent.

Independent Car Insurance Agencies or Brokers

These agents do not sell for just one brand and that gives them the ability to insure with an assortment of companies and get the cheapest rates. If your premiums go up, your agent can switch companies which is easy for the insured.

When searching for an agent, it’s a good idea to include rate quotes from a few independent agents to get the most accurate price comparison.

The following is a partial list of independent agents in San Francisco that can give you price quotes.

2 Twin Peaks BlvdSan Francisco, CA 94114(415) 665-1440View Map

6037 Geary BlvdSan Francisco, CA 94121(415) 592-8388View Map

2085 Van Ness AveSan Francisco, CA 94109(415) 440-5136View Map

More insurance agents

Exclusive Agents

Agents that elect to be exclusive write business for a single company like Farmers Insurance, Allstate, or State Farm. These agents are unable to provide other company’s prices so if the price isn’t competitive there isn’t much they can do. Exclusive agents are usually well trained on the products they sell which helps them sell insurance even at higher premiums.

Below are San Francisco exclusive agencies who can help you get rate quotes.

188 S Park St #4San Francisco, CA 94107(415) 227-9833View Map

4198 Mission StSan Francisco, CA 94112(415) 587-1880View Map

2315 Noriega StSan Francisco, CA 94122(415) 661-3726View Map

More insurance agents

Selecting a insurance agency requires more thought than just the premium amount. Any agent in San Francisco should be willing to answer these questions.

Persistent drivers can save

Affordable Nissan Pathfinder insurance in San Francisco can be bought online and with local San Francisco insurance agents, so you need to shop San Francisco car insurance with both in order to have the best price selection to choose from. Some companies don’t offer online rate quotes and usually these smaller providers prefer to sell through independent insurance agencies.

When trying to cut insurance costs, do not skimp on critical coverages to save a buck or two. There have been many situations where an accident victim reduced full coverage only to regret at claim time that they should have had better coverage. Your focus should be to find the BEST coverage for the lowest price while not skimping on critical coverages.

More information