If you want to save the most money, the best way to get budget car insurance rates is to start comparing rates regularly from insurers that sell auto insurance in Charlotte.
- It will benefit you to learn about coverages and the measures you can control to drop your rates. Many risk factors that cause rate increases such as multiple speeding tickets and a low credit score can be controlled by making minor changes to your lifestyle. Keep reading for more ideas to get cheaper coverage and find missing discounts.
- Request rate estimates from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only give prices from one company like GEICO or Farmers Insurance, while independent agents can quote rates for a wide range of companies.
- Compare the quotes to the price on your current policy and see if you can save money. If you find a lower rate quote, make sure there is no coverage gap between policies.
- Provide written notification to your current company of your intent to cancel your current policy. Submit any necessary down payment along with the completed application for the new coverage. Once received, place the new proof of insurance paperwork with your registration paperwork.
The key aspect of shopping around is to make sure you enter the same liability limits and deductibles on each price quote and and to analyze all possible companies. Doing this provides a fair rate comparison and the best price quote selection.
It’s a fact that car insurance companies don’t want policyholders to compare prices from other companies. People who shop for lower prices are very likely to switch auto insurance companies because there is a good chance of finding a lower-priced policy. A recent auto insurance study discovered that people who shopped around every year saved as much as $3,400 over four years as compared to drivers who don’t make a habit of comparing rates.
If finding the best price on Nissan Pathfinder insurance is why you’re reading this, then having some knowledge of the best way to shop and compare insurance premiums can help simplify the process.
When comparison shopping, there are several ways to obtain and compare prices from auto insurance companies in your area. By far the easiest way to compare insurance prices is simply to get online rate quotes.
It’s so simple to compare auto insurance rates online takes the place of having to actually drive to different agent offices. Buying insurance online eliminates the need for an insurance agent unless your situation requires the professional assistance only provided by licensed agents. Drivers can get the lowest quotes online but have a local agent actually write the policy.
Keep in mind that obtaining a wide range of quotes helps locate more affordable insurance. Some regional insurers cannot provide online rate quotes, so you should also compare price quotes from them as well.
The providers in the list below provide free rate quotes in Charlotte, NC. If you want to find the best cheap auto insurance in NC, it’s a good idea that you visit two to three different companies to get the best price comparison.
Why you need insurance for your Nissan vehicle
Despite the potentially high cost of Nissan Pathfinder insurance, insuring your vehicle is required in North Carolina but also provides important benefits.
First, almost all states have minimum mandated liability insurance limits which means you are required to buy a minimum amount of liability protection if you don’t want to risk a ticket. In North Carolina these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if you have a loan on your Pathfinder, more than likely the lender will make it a condition of the loan that you buy insurance to protect their interest in the vehicle. If you do not pay your insurance premiums, the lender may have to buy a policy to insure your Nissan at a much higher rate and make you pay for it.
Third, insurance protects your Nissan and your assets. It will also pay for medical bills for you, any passengers, and anyone injured in an accident. Liability coverage also covers all legal expenses up to the policy limit if you cause an accident and are sued. If damage is caused by hail or an accident, your auto insurance policy will cover the damage repairs after a deductible is paid.
The benefits of carrying enough insurance greatly outweigh the cost, especially if you ever need it. Unknowingly, the average driver overpays as much as $855 a year so we recommend shopping around at least once a year to help ensure money is not being wasted.
Nissan Pathfinder coverage analysis
The rate table below highlights estimates of insurance premium costs for Nissan Pathfinder models. Having a better understanding of how rate quotes are figured can be valuable when making smart choices when selecting a coverage provider.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Pathfinder S 2WD | $162 | $262 | $254 | $16 | $76 | $770 | $64 |
| Pathfinder S 4WD | $186 | $262 | $254 | $16 | $76 | $794 | $66 |
| Pathfinder SE 2WD | $186 | $262 | $254 | $16 | $76 | $794 | $66 |
| Pathfinder SE 4WD | $186 | $262 | $254 | $16 | $76 | $794 | $66 |
| Pathfinder LE 2WD | $210 | $318 | $254 | $16 | $76 | $874 | $73 |
| Pathfinder LE 4WD | $210 | $318 | $254 | $16 | $76 | $874 | $73 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and North Carolina minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Price estimates do not factor in specific zip code location which can increase or decrease coverage prices significantly.
Policy deductibles
When buying insurance, a common question is what deductibles to buy. The tables below illustrate the premium difference when you select higher and lower physical damage coverage deductibles. The first rate table uses a $100 deductible and the second set of prices uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Pathfinder S 2WD | $186 | $318 | $250 | $14 | $74 | $867 | $72 |
| Pathfinder S 4WD | $214 | $318 | $250 | $14 | $74 | $895 | $75 |
| Pathfinder SE 2WD | $214 | $318 | $250 | $14 | $74 | $895 | $75 |
| Pathfinder SE 4WD | $214 | $318 | $250 | $14 | $74 | $895 | $75 |
| Pathfinder LE 2WD | $242 | $386 | $250 | $14 | $74 | $991 | $83 |
| Pathfinder LE 4WD | $242 | $386 | $250 | $14 | $74 | $991 | $83 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Pathfinder S 2WD | $104 | $168 | $250 | $14 | $74 | $610 | $51 |
| Pathfinder S 4WD | $118 | $168 | $250 | $14 | $74 | $624 | $52 |
| Pathfinder SE 2WD | $118 | $168 | $250 | $14 | $74 | $624 | $52 |
| Pathfinder SE 4WD | $118 | $168 | $250 | $14 | $74 | $624 | $52 |
| Pathfinder LE 2WD | $134 | $204 | $250 | $14 | $74 | $676 | $56 |
| Pathfinder LE 4WD | $134 | $204 | $250 | $14 | $74 | $676 | $56 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Premium costs do not factor in specific Charlotte garaging location which can affect prices noticeably.
Based on the data above, we can derive that using a $100 deductible will cost you about $24 more each month or $288 a year than choosing the higher $1,000 deductible. Because you would be required to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you average more than 38 months between claim filings, you would probably be better off if you decide on a higher deductible.
Nissan Pathfinder insurance rates by gender in Charlotte
The information below illustrates the difference between Nissan Pathfinder yearly insurance costs for male and female drivers. The price estimates are based on no claims or violations, comprehensive and collision coverage, $500 deductibles, single status, and no additional discounts are factored in.
You may qualify for discounts for Nissan Pathfinder insurance in Charlotte
Auto insurance is not inexpensive, but there are discounts available that you may not even be aware of. A few discounts will be applied at the time of quoting, but a few need to be specially asked for in order for you to get them.
- Cautious Driver Discount – Safe drivers can save as much as half off their rates compared to accident prone drivers.
- Sign Online – A few larger companies will give a small break for signing up online.
- Life Insurance – Not every insurance company offers life insurance, but if they do you may earn lower premium rates if you buy a life insurance policy as well.
- Telematics Data – Drivers that enable driving data collection to study when and where they use their vehicle by using a telematic data system such as Progressive’s Snapshot and State Farm’s In-Drive could see a rate decrease if they are good drivers.
- Payment Method – If you pay your entire premium ahead of time rather than paying in monthly installments you can avoid monthly service charges.
- Auto/Home Discount – If you combine your homeowners and auto policies and insure them with the same company you could earn a discount of up to 20% off your total Pathfinder insurance premium.
- Clubs and Organizations – Having an affiliation with qualifying employment or professional organizations could earn you a nice discount when getting a Charlotte car insurance quote.
- Claim-Free Discount – Drivers with accident-free driving histories have much lower rates as compared to insureds who have frequent claims or accidents.
- Senior Citizens – If you’re over the age of 55, you can get lower premium rates.
- Defensive Driving Course – Taking time to complete a driver safety course could cut 5% off your bill and also improve your driving technique.
You can save money using discounts, but most discount credits are not given to your bottom line cost. Most cut the price of certain insurance coverages like collision or personal injury protection. So despite the fact that it appears all the discounts add up to a free policy, you won’t be that lucky.
The illustration below compares Nissan Pathfinder annual premium costs with and without policy discounts. The data assumes a female driver, no claims, a clean driving record, North Carolina state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, multi-car, marriage, multi-policy, and claim-free discounts applied.
Large auto insurance companies and a summarized list of policyholder discounts are:
- 21st Century offers discounts for teen driver, automatic seat belts, anti-lock brakes, homeowners, theft prevention, driver training, and 55 and older.
- Progressive includes discounts for multi-vehicle, online quote discount, homeowner, multi-policy, continuous coverage, and good student.
- State Farm offers premium reductions for good driver, good student, safe vehicle, multiple policy, student away at school, Drive Safe & Save, and driver’s education.
- Nationwide may have discounts that include accident-free, anti-theft, easy pay, multi-policy, and good student.
- Esurance may offer discounts for emergency road assistance, online quote, paid-in-full, renters, and DriveSense.
- The Hartford may include discounts for defensive driver, vehicle fuel type, air bag, good student, anti-theft, driver training, and bundle.
When comparing rates, check with every company which discounts you may be entitled to. Some discounts may not be available in Charlotte. To see a list of auto insurance companies with significant discounts in Charlotte, click here to view.
Local neighborhood insurance agents
Certain consumers prefer to sit down and talk to an agent and that can be a great decision One of the great benefits of comparing rate quotes online is the fact that drivers can get cheap car insurance quotes and still choose a local agent.
Once you complete this form (opens in new window), your information is emailed to local insurance agents in Charlotte that can provide free Charlotte car insurance quotes for your insurance coverage. You won’t even need to even leave your home as quotes are delivered directly to you. Get lower rates and an insurance agent to talk to. If you want to quote rates from one company in particular, you just need to find their quoting web page to submit a rate quote request.
Finding a good company is decision based upon more than just a cheap quote. The answers to these questions are important, too.
- Do they have any clout with companies to ensure a fair claim settlement?
- Is vehicle damage repaired with OEM or aftermarket parts?
- Does the company have a solid financial rating?
- Do you work with a CSR or direct with the agent?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- If you raise deductibles, how much can you save?
- Do they receive special compensation for putting your coverage with one company over another?
- Is working in the agency their full-time job?
If you are wanting to purchase car insurance from a local insurance agency, you should know the different types of agencies that you can select. Car insurance agencies are considered either independent or exclusive depending on the company they work for.
Exclusive Insurance Agents
These type of agents can only place business with one company like Allstate, AAA, Farmers Insurance, and State Farm. Exclusive agencies are unable to compare rates from other companies so they are skilled at selling on more than just price. These agents are usually well trained on their products and sales techniques which helps them compete with independent agents.
Below is a short list of exclusive agents in Charlotte that are able to give price quotes.
Jeff Genant – State Farm Insurance Agent
15105 John J Delaney Dr – Charlotte, NC 28277 – (704) 594-3000 – View Map
Daniela Hernandez – State Farm Insurance Agent
5811 Fairview Rd Ste 102 – Charlotte, NC 28209 – (704) 733-9022 – View Map
AAA Carolinas
6600 A A A Dr – Charlotte, NC 28212 – (704) 569-3600 – View Map
Independent Agents (or Brokers)
These type of agents are appointed with more than one company so they can insure your vehicles with any number of different companies and find the cheapest car insurance rates. If your agent finds better pricing, the agent simply finds a different carrier without you having to go to a different agency. If you need cheaper car insurance rates, it’s recommended you compare quotes from a few independent agents to have the best price comparison.
Below are independent insurance agents in Charlotte that can give you price quote information.
Johnson Insurance Management, LLC
3220 Wilkinson Boulevard Ste A3 – Charlotte, NC 28208 – (704) 394-7327 – View Map
All Points Insurance Agencies
5618 Albemarle Rd # 200 – Charlotte, NC 28212 – (980) 221-9468 – View Map
Pegram Insurance Agency
9010 Glenwater Dr #103 – Charlotte, NC 28262 – (704) 494-9495 – View Map
When do I need an agent’s advice?
When it comes to coverage online or from an agent, there is no cookie cutter policy. Your needs are not the same as everyone else’s so this has to be addressed.
For instance, these questions can aid in determining whether you could use an agent’s help.
- Am I covered if hit by an uninsured driver?
- How many claims can I have before being canceled?
- What does roadside assistance cover?
- What is no-fault insurance?
- Am I covered if I hit a deer?
- Why do I only qualify for high-risk insurance?
- Does my policy cover me if I wreck while driving under the influence?
- Why do I have to buy liability insurance?
If you don’t know the answers to these questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area.
Don’t give up on cheap rates
We covered quite a bit of information on how to shop for Nissan Pathfinder insurance online. It’s most important to understand that the more quotes you get, the better chance you’ll have of finding cheaper Charlotte car insurance quotes. You may even be surprised to find that the lowest prices come from a lesser-known regional company. These smaller insurers may have significantly lower rates on certain market segments than the large multi-state companies such as Progressive or GEICO.
As you quote Charlotte car insurance, do not reduce needed coverages to save money. There have been many situations where an insured dropped uninsured motorist or liability limits only to regret at claim time they didn’t purchase enough coverage. Your goal is to get the best coverage possible for the lowest cost, not the least amount of coverage.
More detailed car insurance information can be found in these articles:
- Distracted Driving Statistics (Insurance Information Institute)
- What Insurance is Cheapest for a Ford Escape in Charlotte? (FAQ)
- Who Has Cheap Auto Insurance for Nurses in Charlotte? (FAQ)
- Who Has the Cheapest Charlotte Car Insurance Rates for a Subaru Outback? (FAQ)
- How Much are Charlotte Car Insurance Quotes for a Chevrolet Silverado? (FAQ)
- Who Has the Cheapest Charlotte Auto Insurance Rates for a Toyota RAV4? (FAQ)
- What Car Insurance is Cheapest for a Toyota Camry in Charlotte? (FAQ)
- What Insurance is Cheapest for Teenagers in Charlotte? (FAQ)
- Auto Insurance 101 (About.com)
- Safety Tips for Teen Drivers (Insurance Information Institute)
- Five Steps to Filing an Auto Insurance Claim (Insurance Information Institute)
- Cellphones, Texting and Driving (iihs.org)