Nissan Pathfinder insurance image courtesy of QuoteInspector.com
It's an obvious assumption that insurance companies want to prevent you from shopping around. Drivers who compare rates at least once a year are inclined to switch companies because of the high probability of getting low-cost coverage. A recent survey revealed that consumers who made a habit of comparing rate quotes saved approximately $3,450 over four years compared to drivers who never compared rates.
If saving money on Nissan Pathfinder insurance is your objective, then learning about how to shop and compare insurance rates can help you be more efficient.
If you want to save the most money, the best way to quote cheaper car insurance rates in Santa Ana is to annually compare prices from insurers that insure vehicles in California.
- Gain an understanding of individual coverages and the factors you can control to prevent high rates. Many things that result in higher prices like speeding tickets, careless driving and a less-than-favorable credit score can be rectified by making minor changes to your lifestyle.
- Compare prices from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only quote rates from one company like Progressive or Allstate, while independent agents can provide price quotes from multiple sources. Begin your rate comparison
- Compare the new rates to the premium of your current policy to see if you can save by switching companies. If you can save money, ensure coverage does not lapse between policies.
- Give notification to your current company to cancel your existing policy. Submit a down payment along with a completed application to your new company or agent. Once coverage is bound, keep your new certificate of insurance in an easily accessible location in your vehicle.
The most important part of shopping around is to make sure you enter identical limits and deductibles on each quote and and to analyze every insurance company. This ensures a fair price comparison and plenty of rates choose from.
Finding the most affordable policy in Santa Ana can be fairly easy. If you have coverage now or are just looking to switch companies, you can learn to reduce the price you pay while maintaining coverages. Drivers only have to learn how to compare prices online from multiple companies.
How to shop Nissan Pathfinder insurance online
Finding cheaper Nissan Pathfinder car insurance rates is a great way to save money. You just need to spend a few minutes on the computer comparing free Santa Ana car insurance quotes to find out which insurance company has cheaper Santa Ana car insurance quotes.
The car insurance companies shown below are our best choices to provide free quotes in Santa Ana, CA. If the list has multiple companies, it's highly recommended you visit as many as you can to get the best price comparison.
Coverage information
The rate information shown below showcases different prices for Nissan Pathfinder models. Learning as much as possible about how insurance premiums are figured can help guide drivers when making smart choices when buying a car insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Pathfinder S 2WD | $268 | $470 | $596 | $36 | $178 | $1,548 | $129 |
| Pathfinder S 4WD | $308 | $470 | $596 | $36 | $178 | $1,588 | $132 |
| Pathfinder SE 2WD | $308 | $470 | $596 | $36 | $178 | $1,588 | $132 |
| Pathfinder SE 4WD | $308 | $470 | $596 | $36 | $178 | $1,588 | $132 |
| Pathfinder LE 2WD | $348 | $570 | $596 | $36 | $178 | $1,728 | $144 |
| Pathfinder LE 4WD | $348 | $570 | $596 | $36 | $178 | $1,728 | $144 |
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Cost estimates assume single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Rate quotes do not factor in your specific Santa Ana location which can lower or raise coverage prices noticeably.
Insurance rate increases from tickets or accidents
The information below illustrates how speeding tickets and at-fault fender-benders can affect Nissan Pathfinder car insurance costs for each different age group. The prices are based on a married female driver, full coverage, $100 deductibles, and no discounts are applied.
Cost of full coverage in Santa Ana
The example below compares Nissan Pathfinder insurance prices with full physical damage coverage compared to only buying liability only. The premiums are based on no claims or violations, $250 deductibles, drivers are not married, and no other discounts are factored in.
Should you pay for full coverage or liability only?
There is no clear-cut rule of when to stop paying for comp and collision coverage, but there is a guideline you can consider. If the yearly cost of comp and collision coverage is more than about 10% of any settlement you would receive from your insurance company, then you might consider buying liability only.
For example, let's say your Nissan Pathfinder settlement value is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most you would receive is $3,000 after paying the physical damage deductible. If premiums are more than $300 annually for your policy with full coverage, then you may want to consider only buying liability coverage.
There are some cases where dropping full coverage is not recommended. If you haven't paid off your loan, you have to maintain full coverage in order to keep the loan. Also, if you don't have enough money to buy a different vehicle if your current one is totaled, you should not consider dropping full coverage.
What if I want to buy from local Santa Ana auto insurance agents?
A lot of people just prefer to sit down with an agent and that is a personal choice. Licensed agents are very good at helping people manage risk and help in the event of a claim. A nice benefit of getting free rate quotes online is you can get the lowest rates but still work with a licensed agent. And supporting neighborhood insurance agencies is important particularly in Santa Ana.
Once you complete this short form, your information is instantly submitted to local insurance agents that can provide free Santa Ana car insurance quotes to get your business. It's much easier because you don't need to visit any agencies as quotes are delivered immediately to you. If you need to compare prices from a specific company, you can always visit that company's website and fill out the quote form the provide.
If you're trying to find a reputable agency, it's helpful to know the types of agencies and how they can quote your rates. Auto insurance agencies are classified as either exclusive or independent. Both types can sell and service auto insurance coverage, but it's important to point out why they differ because it can factor into your agent selection.
Independent Agents
Independent agencies do not write with just one company and that allows them to write policies with an assortment of companies and potentially find a lower price. If your premiums go up, they can switch companies in-house and you can keep the same agent.
If you need lower rates, it's a good idea to get rate quotes from several independent insurance agents to have the most options to choose from. Most also write with smaller mutual companies which can be an advantage.
Shown below is a list of independent agents in Santa Ana that can give you price quote information.
- Auto Express Insurance Agency
202 S Grand Ave - Santa Ana, CA 92701 - (800) 400-3038 - View Map - Nuway Insurance Agency Inc.
410 N Bristol St - Santa Ana, CA 92703 - (714) 953-2117 - View Map - Nano Insurance Services
423 E First St - Santa Ana, CA 92701 - (714) 564-0398 - View Map
Exclusive Insurance Agencies
Exclusive insurance agents can usually just insure with one company and some examples include AAA, State Farm, Farmers Insurance, and Allstate. Exclusive agents cannot give you multiple price quotes so you might not find the best rates. Exclusive agencies are very knowledgeable on their products and sales techniques and that can be a competitive advantage. Consumers sometimes purchase coverage from exclusives mainly due to the prominence of the brand rather than low price.
Shown below is a short list of exclusive insurance agencies in Santa Ana that are able to give comparison quotes.
- Eddie Quillares Jr - State Farm Insurance Agent
415 N Broadway - Santa Ana, CA 92701 - (714) 617-7150 - View Map - Allstate Insurance: Pacheco and Solorzano Insurance Agency
1525 17th St d - Santa Ana, CA 92705 - (714) 542-3585 - View Map - Kelly Davis - State Farm Insurance Agent
2677 N Main St #150 - Santa Ana, CA 92705 - (714) 647-6303 - View Map
Choosing the best car insurance agent requires you to look at more than just the price. These are some valid questions you should ask.
- Does the agency support the community they serve?
- Do you work with a CSR or direct with the agent?
- What are their preferred companies if they are an independent agency?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- Does the agency have a positive business rating?
- Which insurance company do they prefer to write with?
- Has the agent ever had any license suspensions?
- Are you getting all the discounts the company offers?