The most effective way to get affordable Nissan Pathfinder insurance in Mesa is to compare quotes once a year from insurers in Arizona.
- Step 1: Try to learn about coverages and the measures you can take to keep rates down. Many factors that cause rate increases like speeding tickets, accidents and a bad credit score can be improved by paying attention to minor details.
- Step 2: Quote rates from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can give quotes from a single company like GEICO and Allstate, while independent agents can quote prices from multiple insurance companies. Compare rates now
- Step 3: Compare the new rate quotes to the premium of your current policy to determine if you can save on Pathfinder insurance. If you can save some money and change companies, make sure coverage is continuous and does not lapse.
A crucial key to this process is to make sure you enter identical coverages on every quote and and to get price estimates from as many carriers as you can. Doing this ensures the most accurate price comparison and a complete selection of prices.
It’s an obvious assumption that auto insurance companies don’t want customers comparing rates. People who shop for lower prices are highly likely to switch to a new company because of the good chance of finding lower prices. A recent auto insurance study revealed that drivers who compared rates once a year saved $3,500 over four years compared to drivers who didn’t regularly shop around.
If finding budget-friendly rates on car insurance is your target objective, then having a good understanding how to get free comparison quotes and analyze auto insurance can make it easier to find better rates.
The quickest method to compare car insurance company rates for Nissan Pathfinder insurance in Mesa is to know most of the larger companies provide online access to compare their rates. To start a quote, the only thing you need to do is provide a small amount of information such as if a SR-22 is needed, if it has an alarm system, how much school you completed, and your credit rating estimate. The data gets sent immediately to many of the top insurers and they provide comparison quotes almost instantly.
To start a quote now, click here and find out if you can get cheaper insurance in Mesa.
The providers in the list below are ready to provide free quotes in Mesa, AZ. To find cheap car insurance in Mesa, we suggest you compare several of them to get a more complete price comparison.
Mesa insurance discounts
Insurance is expensive, but you may find discounts that you may not even know about. Certain discounts will be applied at the time you complete a quote, but some need to be specially asked for before they will apply. If you’re not getting every credit you qualify for, you’re just leaving money on the table.
- Discounts for Safe Drivers – Accident-free drivers can save up to 40% or more on their Mesa auto insurance quote than their less cautious counterparts.
- No Charge for an Accident – Not necessarily a discount, but some companies like Liberty Mutual, Allstate and State Farm will forgive one accident without getting socked with a rate hike with the catch being you have to be claim-free for a particular time prior to the accident.
- Claim Free – Good drivers with no accidents can save substantially when compared with drivers with a long claim history.
- Low Mileage Discounts – Driving less could be rewarded with lower rates on the low mileage vehicles.
- Auto/Life Discount – Not every insurance company offers life insurance, but if they do you may earn a discounted premium rate on car insurance if you buy a life insurance policy as well.
- Use Seat Belts – Drivers who require all occupants to buckle their seat belts can save a little on the medical payments or PIP coverage costs.
- Discount for Passive Restraints – Factory air bags could see savings of up to 25% or more.
- Theft Prevention Discount – Cars, trucks, and SUVs with anti-theft systems can help prevent theft and will qualify for a discount on a Mesa auto insurance quote.
Consumers should know that some credits don’t apply to your bottom line cost. A few only apply to the cost of specific coverages such as comprehensive or collision. Even though it appears adding up those discounts means a free policy, it just doesn’t work that way.
The information below visualizes the comparison of Nissan Pathfinder premium costs with and without discounts applied to the policy rates. The premium estimates are based on a female driver, no tickets, no at-fault accidents, Arizona state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, safe-driver, claim-free, multi-car, and homeowner discounts applied.
Popular insurance companies and a selection of discounts can be read below.
- GEICO offers premium reductions for membership and employees, defensive driver, five-year accident-free, good student, military active duty, daytime running lights, and multi-policy.
- USAA policyholders can earn discounts including safe driver, annual mileage, family discount, good student, multi-vehicle, military installation, and multi-policy.
- Progressive may have discounts that include homeowner, online signing, continuous coverage, multi-vehicle, good student, online quote discount, and multi-policy.
- American Family has savings for good driver, air bags, TimeAway discount, defensive driver, Steer into Savings, and early bird.
- Esurance may include discounts for good driver, paid-in-full, anti-lock brakes, safety device, and DriveSense.
- Farmers Insurance includes discounts for youthful driver, early shopping, electronic funds transfer, pay in full, and bundle discounts.
- State Farm discounts include passive restraint, defensive driving training, good student, multiple policy, and anti-theft.
If you want inexpensive Mesa auto insurance quotes, ask each company or agent how many discounts you can get. Some discounts listed above may not be available everywhere.
Rates and other information
The table shown below highlights a range of insurance costs for Nissan Pathfinder models. Learning how premiums are determined can assist in making decisions when shopping around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Pathfinder S 2WD | $142 | $266 | $338 | $20 | $102 | $868 | $72 |
| Pathfinder S 4WD | $162 | $266 | $338 | $20 | $102 | $888 | $74 |
| Pathfinder SE 2WD | $162 | $266 | $338 | $20 | $102 | $888 | $74 |
| Pathfinder SE 4WD | $162 | $266 | $338 | $20 | $102 | $888 | $74 |
| Pathfinder LE 2WD | $182 | $324 | $338 | $20 | $102 | $966 | $81 |
| Pathfinder LE 4WD | $182 | $324 | $338 | $20 | $102 | $966 | $81 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Rates do not factor in garaging location in Mesa which can impact premium rates significantly.
Choosing deductibles
A question often asked by Mesa drivers is how high should the physical damage coverage deductibles be. The rates below lay out the costs and benefits when you select higher and lower deductibles. The first table uses a $250 deductible for comp and collision and the second pricing table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Pathfinder S 2WD | $202 | $320 | $300 | $18 | $90 | $955 | $80 |
| Pathfinder S 4WD | $232 | $320 | $300 | $18 | $90 | $985 | $82 |
| Pathfinder SE 2WD | $232 | $320 | $300 | $18 | $90 | $985 | $82 |
| Pathfinder SE 4WD | $232 | $320 | $300 | $18 | $90 | $985 | $82 |
| Pathfinder LE 2WD | $262 | $390 | $300 | $18 | $90 | $1,085 | $90 |
| Pathfinder LE 4WD | $262 | $390 | $300 | $18 | $90 | $1,085 | $90 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Pathfinder S 2WD | $164 | $258 | $300 | $18 | $90 | $830 | $69 |
| Pathfinder S 4WD | $188 | $258 | $300 | $18 | $90 | $854 | $71 |
| Pathfinder SE 2WD | $188 | $258 | $300 | $18 | $90 | $854 | $71 |
| Pathfinder SE 4WD | $188 | $258 | $300 | $18 | $90 | $854 | $71 |
| Pathfinder LE 2WD | $212 | $314 | $300 | $18 | $90 | $934 | $78 |
| Pathfinder LE 4WD | $212 | $314 | $300 | $18 | $90 | $934 | $78 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Table data does not factor in specific zip code location which can lower or raise premium rates significantly.
Based on this data, using a $250 deductible costs about $11 more each month or $132 each year than opting for the higher $500 deductible. Since you would pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you normally average at a minimum 23 months between claims, you would probably save some money if you opt for a higher deductible.
The information below highlights how deductible selection and can impact Nissan Pathfinder annual premium costs for different ages of insureds. The premium estimates are based on a single male driver, comp and collision included, and no other discounts are factored in.
Age, gender, and Nissan Pathfinder insurance
The information below compares Nissan Pathfinder insurance rates for male and female drivers. The premiums assume no claims or driving citations, comp and collision included, $100 deductibles, drivers are not married, and no policy discounts are applied.
Full coverage or liability only
The diagram below illustrates the difference between Nissan Pathfinder insurance prices with full physical damage coverage and with liability coverage only. The price estimates are based on no claims, a clean driving record, $1,000 deductibles, drivers are not married, and no discounts are applied to the premium.
When to buy liability coverage only
There is no set rule of when to exclude comp and collision coverage, but there is a general school of thought. If the yearly cost for physical damage coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then it might be time to buy liability only.
For example, let’s pretend your Nissan Pathfinder replacement cost is $3,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most you would get paid by your company is $2,000 after the policy deductible has been paid. If you are paying more than $200 annually to have full coverage, then it’s probably a good time to buy liability coverage only.
There are some scenarios where dropping physical damage coverage is not recommended. If you haven’t satisfied your loan, you have to keep full coverage in order to satisfy the requirements of the loan. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should keep full coverage in place.
Components of Your Nissan Pathfinder Insurance Premiums
One of the most helpful ways to save on auto insurance is to to have a grasp of the different types of things that play a part in calculating your premiums. If you have some idea of what controls the rates you pay, this allows you to make educated decisions that can help you get much lower annual insurance costs. Lots of things are considered when you quote your car insurance policy. Some of the criteria are obvious like a motor vehicle report, but other factors are not quite as obvious such as your credit history or how financially stable you are.
Shown below are some of the items utilized by car insurance companies to help set your prices.
- Too many claims will drive premiums up – Car insurance companies in Arizona award lower rates to people who are not frequent claim filers. If you tend to file frequent claims, you can pretty much guarantee much higher rates or policy non-renewal. Auto insurance is meant to be used in the event of claims that you cannot pay yourself.
- Drive less and save – The more you drive annually the higher your rate. The majority of insurers charge rates based on their usage. Cars and trucks that have low annual miles receive lower rates than cars that get driven a lot. Having the wrong rating on your Pathfinder can cost quite a bit. It’s a smart idea to ensure your policy is showing the proper vehicle usage.
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Older drivers pay less – More mature drivers are more responsible, cause fewer claims and accidents, and receive fewer citations. Beginning drivers are statistically shown to be careless and easily distracted when behind the wheel so they pay higher auto insurance rates.
The following data is based on a single driver, full coverage with $1000 deductibles, and no discounts or violations.
- Your vocation may affect prices – Occupational choices like judges, architects, and medical professionals generally have the highest average rates in part from job stress and extremely grueling work hours. Other occupations such as actors, athletes and homemakers pay lower than average rates.
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Nissan Pathfinder insurance claim data – Insurance companies use historical loss data in order to profitably underwrite each model. Vehicles that have a trend towards higher claim severity or frequency will be charged more to insure. The table below outlines the insurance loss data used by companies for Nissan Pathfinder vehicles.
For each coverage category, the claim probability for all vehicles averaged together is set at 100. Values under 100 indicate a favorable loss history, while values that are above 100 show a trend for more claims or an increased chance of larger losses than average.
Nissan Pathfinder Insurance Claim Statistics Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Nissan Pathfinder 4dr 2WD 99 114 83 106 101 108 Nissan Pathfinder 4dr 4WD 111 121 89 108 97 105 BETTERAVERAGEWORSEStatistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Shop online but buy locally
Certain consumers still prefer to sit down with an agent and doing that can be a smart decision Professional agents can make sure you are properly covered and will help you if you have claims. One of the great benefits of comparing insurance prices online is that drivers can save money and get cheap auto insurance quotes and still have a local agent.
After filling out this short form, your insurance coverage information is instantly submitted to local insurance agents that can give you free Mesa auto insurance quotes for your insurance coverage. It’s much easier because you don’t need to do any legwork due to the fact that quote results will go instantly to you. If you need to quote rates from a specific insurance company, feel free to jump over to their website and fill out the quote form the provide.
Choosing the best insurance company requires you to look at more than just the bottom line cost. Any good agent in Mesa should know the answers to these questions.
- Do they have cheaper tiers of coverage?
- Which insurance companies are they affiliated with?
- What is the financial rating for the quoted company?
- How much experience to they have in personal lines coverages?
- Do they get extra compensation for selling add-on coverages?
- How are claims handled?
Types of car insurance agents in Mesa
If you’re trying to find a local Mesa insurance agency, you need to know there are two types of insurance agents and how they function. Agents in Mesa can either be independent agents or exclusive agents depending on their employer. Either type can sell auto insurance policies, but we need to point out the differences because it can influence the kind of agent you use.
Exclusive Insurance Agents
These agents can only provide one company’s prices and examples are State Farm, Allstate, and Farm Bureau. Exclusive agents cannot place coverage with different providers so they have to upsell other benefits. Exclusive agencies receive extensive training in insurance sales and that enables them to sell even at higher rates. Some people will only buy from the same agent for years mainly due to the brand rather than having the cheapest rates.
Below is a list of exclusive agencies in Mesa who may provide you with comparison quotes.
- Scott Urry – State Farm Insurance Agent
5524 E Baseline Rd – Mesa, AZ 85206 – (480) 969-9155 – View Map - Allstate Insurance: Cameron Berrett
5052 S Power Rd #104 – Mesa, AZ 85212 – (480) 454-7518 – View Map - Jenn Attar – State Farm Insurance Agent
1660 S Alma School Rd #218 – Mesa, AZ 85210 – (480) 345-4206 – View Map
Independent Auto Insurance Agencies
Agents that elect to be independent are appointed with more than one company and that gives them the ability to insure with lots of companies and help determine which has the cheapest rates. If you want to switch companies, your agent can just switch to a different company and you can keep the same agent. If you are comparing auto insurance prices, you should always check rates from multiple independent agents to get the best comparison. They often place coverage with additional companies that you may not be familiar with which can be an advantage.
Shown below are Mesa independent agencies willing to provide price quotes.
- Oasis Insurance
30 N Gilbert Rd – Mesa, AZ 85203 – (480) 649-8001 – View Map - ABI Insurance LLC
7165 E University Dr #170 – Mesa, AZ 85207 – (480) 921-3400 – View Map - Cook Insurance Inc.
7255 E Hampton Ave #107a – Mesa, AZ 85209 – (480) 986-1117 – View Map
Mesa auto insurance companies ranked
Choosing a highly-rated car insurance provider can be difficult considering how many different companies sell coverage in Mesa. The ranking information below can help you choose which companies to look at to insure your vehicles.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Cheaper rates are available
Some insurance providers may not provide rates over the internet and usually these smaller providers prefer to sell through independent insurance agents. Low-cost Nissan Pathfinder insurance in Mesa is attainable on the web as well as from independent agents in Mesa, and you need to price shop both to have the best selection.
Drivers change insurance companies for a number of reasons such as denial of a claim, policy cancellation, poor customer service or policy non-renewal. Whatever your reason, choosing a new company can be easier than you think.
You just read many tips how you can find cheaper Nissan Pathfinder insurance in Mesa. The most important thing to understand is the more price quotes you have, the higher your chance of finding affordable Mesa auto insurance quotes. You may even discover the most savings is with an unexpected company.
More resources
- Crash Avoidance Technologies FAQ (iihs.org)
- Who Has Cheap Auto Insurance for a 20 Year Old Male in Mesa? (FAQ)
- How Much is Mesa Car Insurance for a 20 Year Old Female? (FAQ)
- What Car Insurance is Cheapest for Single Moms in Mesa? (FAQ)
- Who Has Affordable Car Insurance Rates for Immigrants in Mesa? (FAQ)
- Cellphones, Texting and Driving (iihs.org)
- Understanding your Policy (NAIC.org)
- Bodily Injury Coverage (Liberty Mutual)