It’s an obvious statement that insurance companies don’t want customers comparing rates. People who shop around for the cheapest rate are very likely to switch auto insurance companies because they have good chances of finding a lower rate. Remarkably, a study showed that consumers who compared prices regularly saved about $72 a month compared to people who don’t regularly compare prices.
If saving the most money on Nissan Pathfinder insurance is your ultimate objective, then understanding how to choose a company and compare insurance premiums can help simplify the task of finding more affordable coverage.
Really, the only way to get more affordable auto insurance rates is to make a habit of comparing prices annually from insurance carriers who can sell car insurance in Oklahoma City. Price quotes can be compared by completing these steps.
- Try to learn a little about car insurance and the measures you can take to prevent high rates. Many risk factors that drive up the price like inattentive driving and a not-so-good credit history can be eliminated by making minor changes to your lifestyle. Read the full article for the details to help prevent high rates and find overlooked discounts.
- Get rate quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only quote rates from one company like Progressive or State Farm, while independent agents can provide prices from many different companies.
- Compare the new quotes to your existing coverage to see if a cheaper price is available. If you find better rates and make a switch, ensure coverage does not lapse between policies.
- Provide adequate notice to your current company to cancel your current policy. Submit a down payment and signed policy application to the newly selected company. Once the paperwork is finalized, keep your new certificate verifying coverage in your glove compartment.
One tip to remember is to try to compare identical coverages on each price quote and and to get price quotes from as many different companies as possible. Doing this guarantees an accurate price comparison and a good representation of prices.
Buying the cheapest auto insurance in Oklahoma City is actually quite easy if you know where to start. If you have coverage now, you should be able to cut your premiums using the tips covered below. Although Oklahoma vehicle owners need to have an understanding of the way companies charge you for coverage because it can help you find the best coverage.
Compare quotes for Oklahoma City Nissan Pathfinder insurance
Most major insurance companies like State Farm, Allstate and GEICO provide coverage prices directly from their websites. Comparing prices online for Nissan Pathfinder insurance in Oklahoma City doesn’t take a lot of time as all you need to do is type in your personal and coverage information into a form. After you submit the form the quote system will obtain your driving and credit reports and quotes a price. Using the web to get rate quotes for Nissan Pathfinder insurance in Oklahoma City makes it easy to compare insurance prices and it’s necessary to perform this step in order to find affordable rates.
To compare pricing, compare rate quotes from the providers shown below. If you currently have coverage, we recommend you copy the coverages just like they are on your policy. This ensures you will get a fair comparison for the exact same coverage.
The companies in the list below offer free quotes in Oklahoma. If the list has multiple companies, we recommend you visit several of them in order to find the lowest rates.
Nissan Pathfinder coverage statistics
The premium information displayed below outlines different insurance costs for Nissan Pathfinder models. Having a good understanding how rate quotes are determined can benefit drivers when making informed decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Pathfinder S 2WD | $344 | $480 | $588 | $34 | $176 | $1,622 | $135 |
| Pathfinder S 4WD | $396 | $480 | $588 | $34 | $176 | $1,674 | $140 |
| Pathfinder SE 2WD | $396 | $480 | $588 | $34 | $176 | $1,674 | $140 |
| Pathfinder SE 4WD | $396 | $480 | $588 | $34 | $176 | $1,674 | $140 |
| Pathfinder LE 2WD | $446 | $584 | $588 | $34 | $176 | $1,828 | $152 |
| Pathfinder LE 4WD | $446 | $584 | $588 | $34 | $176 | $1,828 | $152 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Oklahoma minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Price estimates do not factor in zip code location which can modify coverage rates significantly.
The chart below illustrates how your deductible choice and can influence Nissan Pathfinder insurance premiums for each age group. The price estimates are based on a single male driver, full coverage, and no other discounts are factored in.
Auto insurance rates based on gender
The chart below compares Nissan Pathfinder insurance costs for male and female drivers. The prices are based on no claims, a clean driving record, comp and collision included, $250 deductibles, drivers are not married, and no discounts are applied to the premium.
Do you need full coverage?
The chart below illustrates the difference between Nissan Pathfinder auto insurance rates with full physical damage coverage and with liability coverage only. The premiums are based on no claims or violations, $250 deductibles, drivers are not married, and no discounts are applied.
Should you pay for full coverage or liability only?
There is no definitive rule for phasing out comp and collision coverage, but there is a general guideline. If the annual cost of having full coverage is 10% or more of the vehicle’s replacement cost less your deductible, then it could be time to drop full coverage.
For example, let’s assume your Nissan Pathfinder book value is $7,000 and you have $1,000 deductibles. If your vehicle is totaled, the most your company would pay you is $6,000 after paying your policy deductible. If premium cost is more than $600 a year for full coverage, then it could be time to drop full coverage.
There are a few situations where eliminating full coverage is not recommended. If you still have a lienholder on your title, you have to keep full coverage in order to prevent your loan from defaulting. Also, if you can’t afford to buy a different vehicle if your current one is in an accident, you should keep full coverage in place.
Everyone needs different auto insurance coverages
When quoting and comparing the right insurance coverage, there isn’t really a “perfect” insurance plan. Your needs are unique to you and your auto insurance should unique, too.
For example, these questions may help highlight if you may require specific advice.
- Does insurance cover tools stolen from my truck?
- Will filing a claim cost me more?
- Does my insurance cover a custom paint job?
- What is an umbrella policy?
- When can I cancel my policy?
- Am I covered if I hit a deer?
If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies.
Independent or exclusive auto insurance agents
Many people still like to visit with an insurance agent and that can be a great decision The best thing about comparing rate quotes online is that you can obtain better rates but also keep your business local.
By using this quick form, your information is emailed to local insurance agents who will return price quotes to get your business. It simplifies rate comparisons since you won’t have to leave your computer due to the fact that quote results will go straight to your inbox. You can find the lowest rates without having to waste a lot of time. If you wish to quote rates from a specific company, don’t hesitate to go to their quote page and complete a quote there.
Finding a good provider is decision based upon more than just the quoted price. The questions below may impact your decision as well.
- Is vehicle damage repaired with OEM or aftermarket parts?
- Does the company have a local claim office in Oklahoma City?
- When do they do policy reviews?
- Do they offer claims assistance after hours?
- Will the agent help in case of a claim?
Exclusive and independent Oklahoma City auto insurance agents
If you want a local insurance agency, it’s helpful to know the types of insurance agents and how they differ in how they quote coverages. Insurance agencies in Oklahoma City may be either exclusive or independent agents depending on their company appointments.
Exclusive Insurance Agents
These type of agents work for only one company such as Allstate, State Farm and Farmers Insurance. Exclusive agents cannot give you multiple price quotes so always compare other rates. Exclusive agents are well schooled on their company’s products which aids in selling service over price.
Below are exclusive insurance agents in Oklahoma City that can give you comparison quotes.
Mai McCoy – State Farm Insurance Agent
2800 N Classen Blvd #105 – Oklahoma City, OK 73106 – (405) 524-3327 – View Map
Terry Amacher – State Farm Insurance Agent
4509 NW 63rd St – Oklahoma City, OK 73132 – (405) 721-5500 – View Map
Allstate Insurance: Ciani Portillo
3200 S Western Ave – Oklahoma City, OK 73109 – (405) 635-1212 – View Map
Independent Agents (or Brokers)
These agents are not limited to a single company so they have the ability to put coverage through many different car insurance companies and find the cheapest car insurance rates. If they find a cheaper price, they simply move the coverage in-house and you stay with the same agent. If you need lower rates, we recommend you check rates from at a minimum one independent agency in order to have the best price comparison.
The following are independent agencies in Oklahoma City who can help you get price quotes.
State Auto Insurance
4030 NW 10th St – Oklahoma City, OK 73107 – (405) 943-5575 – View Map
Ledbetter Insurance and Risk
1000 NW Grand Blvd #110 – Oklahoma City, OK 73118 – (405) 840-9090 – View Map
Bigbie, Hensley and Janway Insurance Agency
5532 N Western Ave – Oklahoma City, OK 73118 – (405) 235-0036 – View Map
If you get good answers to any questions you may have as well as offering an affordable quote, you may have found an insurance agent that can service your policy.
Which car insurance company is best in Oklahoma?
Ending up with a high-quality car insurance provider is hard considering how many companies sell insurance in Oklahoma City. The rank data in the lists below may help you analyze which car insurance providers to look at when comparing rate quotes.
Top 10 Oklahoma City Car Insurance Companies Ranked by Customer Satisfaction
- USAA – 91%
- AAA Insurance – 90%
- Esurance – 90%
- Mercury Insurance – 89%
- Nationwide – 89%
- Travelers – 88%
- Progressive – 88%
- Safeco Insurance – 88%
- State Farm – 88%
- Allstate – 88%