Nissan Pathfinder insurance image courtesy of QuoteInspector.com
Really, the only way to get more affordable auto insurance rates is to make a habit of regularly comparing prices from different companies in Oakland.
Step 1: Take a few minutes and learn about how companies price auto insurance and the steps you can take to prevent high rates. Many rating criteria that increase rates such as getting speeding tickets and bad credit can be controlled by making minor changes in your lifestyle. Later in this article we will cover more ideas to lower rates and find overlooked discounts.
Step 2: Compare price quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only give prices from one company like GEICO and State Farm, while independent agents can provide rate quotes from multiple insurance companies.
Step 3: Compare the price quotes to the price on your current policy to see if you can save by switching companies. If you can save money and buy the policy, make sure there is no lapse between the expiration of your current policy and the new one.
Step 4: Give notification to your current company to cancel your current policy. Submit a down payment along with a completed application to the new company. Once coverage is bound, place the new certificate verifying proof of insurance somewhere easily accessible.
A good tip to remember is to compare the same physical damage deductibles and liability limits on each quote request and and to get price quotes from all possible companies. This helps ensure a fair rate comparison and a complete selection of prices.
Remarkably, a study showed that most drivers have stayed with the same insurance company for a minimum of four years, and approximately 40% of consumers have never quoted rates to find affordable coverage. Oakland drivers can save hundreds of dollars each year by just comparing rate quotes, but they just don't want to find affordable rates by getting comparison quotes.
Best companies for cheap Nissan Pathfinder insurance in California
The following companies provide free quotes in Oakland, CA. If you want to find cheap car insurance in Oakland, CA, we recommend you compare several of them to find the most competitive car insurance rates.
Auto insurance statistics for a Nissan Pathfinder
The premium table displayed next highlights different insurance rates for Nissan Pathfinder models. Having a good grasp of how insurance quotes are figured can assist in making decisions on which insurance to purchase.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Pathfinder S 2WD||$284||$554||$464||$28||$138||$1,468||$122|
|Pathfinder S 4WD||$326||$554||$464||$28||$138||$1,510||$126|
|Pathfinder SE 2WD||$326||$554||$464||$28||$138||$1,510||$126|
|Pathfinder SE 4WD||$326||$554||$464||$28||$138||$1,510||$126|
|Pathfinder LE 2WD||$370||$672||$464||$28||$138||$1,672||$139|
|Pathfinder LE 4WD||$370||$672||$464||$28||$138||$1,672||$139|
|Get Your Own Custom Quote Go|
Prices above based on married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Rates do not factor in zip code location which can decrease or increase premium rates substantially.
Auto insurance rates are higher with tickets and accidents
The diagram below demonstrates how citations and at-fault accidents raise Nissan Pathfinder car insurance costs for different ages of insureds. The premium estimates are based on a single female driver, comp and collision included, $100 deductibles, and no discounts are applied to the premium.
Auto insurance rates based on gender in Oakland
The diagram below shows the difference between Nissan Pathfinder annual premium costs for male and female drivers. The data assumes no accidents, no driving violations, full physical damage coverage, $500 deductibles, drivers are not married, and no discounts are taken into consideration.
Oakland insurance discounts
The cost of insuring your cars can be expensive, but companies offer discounts that could drop your premiums quite a bit. Some of these discounts will be visible when you quote, but occasionally some discounts must be specifically requested before being credited.
- Paperwork-free - Some insurance companies will give a small break simply for signing on your computer.
- Bundled Policy Discount - If you combine your auto and homeowners policies with one company you may earn at least 10% off all policies.
- Telematics Data - People who choose to allow driving data submission to study driving patterns by using a telematics device such as Progressive's Snapshot could possibly reduce rates if they are good drivers.
- Clubs and Organizations - Participating in specific professional or occupational memberships or organizations could trigger savings on your bill.
- ABS Brakes - Cars and trucks equipped with ABS or steering control are much safer to drive and qualify for as much as a 10% discount.
- Discount for Home Ownership - Just being a homeowner can earn you a little savings since home ownership shows financial diligence.
- 55 and Retired - Seniors may be able to get lower premium rates.
- Student Driver Training - Make teen driver coverage more affordable by requiring them to enroll and complete driver's education as it will make them better drivers and lower rates.
- Multi-line Discount - Not every insurance company offers life insurance, but if they do you may earn a lower insurance rate if you buy some life insurance too.
You can save money using discounts, but most discount credits are not given to all coverage premiums. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. So despite the fact that it appears it's possible to get free car insurance, nobody gets a free ride.
The example below compares Nissan Pathfinder insurance prices with and without discounts. The premiums are based on a female driver, no claims or driving violations, 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, marriage, multi-car, claim-free, multi-policy, and homeowner discounts applied.
For a list of insurance companies that provide some of the discounts listed above in Oakland, follow this link.
Shop online but buy locally
Certain consumers just want to go talk to an agent and doing so can bring peace of mind Licensed agents can point out coverage gaps and help in the event of a claim. One of the benefits of price shopping on the web is the fact that you can find the best rates but still work with a licensed agent.
To help locate an agent, after submitting this form (opens in new window), the quote information is emailed to participating agents in Oakland that can give you free Oakland car insurance quotes for your coverage. It's much easier because you don't need to do any legwork due to the fact that quote results will go to your email. If you wish to compare prices from a specific company, don't hesitate to go to their quote page to submit a rate quote request.
Selecting an insurance company is decision based upon more than just the premium amount. You should also get answers to these questions.
- How are they compensated?
- Will their companies depreciate repairs to your car based on the mileage?
- Are there any hidden costs in their price quote and does it include driving and credit history?
- How often do they review coverages?
- Do they have any clout with companies to ensure a fair claim settlement?
- If they are an independent agency in Oakland, which companies do they recommend?
- Is the agency involved in supporting local community causes?
If you are searching for a reputable agency, there are a couple of different types of agencies and how they work. Insurance agents in Oakland are categorized either independent (non-exclusive) or exclusive. Either type can write policy coverage, but it's good to learn how they are different since it can affect the kind of agent you use.
Agents that elect to be exclusive write business for a single company such as Farmers Insurance or State Farm. Exclusive agents cannot provide other company's prices so you might not find the best rates. Exclusive agencies are usually well trained on what they offer which helps them compete with independent agents.
Listed below is a short list of exclusive insurance agencies in Oakland willing to provide comparison quotes.
Independent Insurance Agents
Independent agents are normally appointed by many insurers so they can write business with lots of companies and find the cheapest rate. If they quote lower rates, they simply move the coverage in-house and you won't have to switch agencies. When comparison shopping, we highly recommend that you get rate quotes from independent agents in order to compare the most rates.
Shown below are Oakland independent agencies that are able to give rate quotes.
Greater Metrowest Insurance Agency
Oakland, CA 94612 - Oakland, CA 94612 - (510) 444-1404 - View Map
Thandi Insurance Brokerage
2859 Mandela Pkwy - Oakland, CA 94608 - (510) 452-1566 - View Map
If you get good answers to all your questions and a low price estimate, it's a good possibility that you have found an insurance agency that will service your policy.
What is the best auto insurance company in California?
Selecting a high-quality insurance provider can be rather challenging considering how many companies there are in Oakland. The company rank data displayed below can help you pick which companies to look at comparing price quotes from.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
|AAA of Southern California||91||94||97||92%||A+||94.1|
|Compare Rates Now Go|
Data Source: Insure.com Best Car Insurance Companies
Car insurance policy specifics
Understanding the coverages of your policy aids in choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. These are the usual coverages found on most car insurance policies.
Protection from uninsured/underinsured drivers
Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your Nissan Pathfinder.
Because many people have only the minimum liability required by law (California limits are 15/30/5), it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.
Medical expense insurance
Medical payments and Personal Injury Protection insurance reimburse you for bills like ambulance fees, dental work, hospital visits and funeral costs. They are often used in conjunction with a health insurance plan or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP is not an option in every state and may carry a deductible
This coverage pays to fix your vehicle from damage from colliding with an object or car. A deductible applies then your collision coverage will kick in.
Collision can pay for claims such as crashing into a building, backing into a parked car and sustaining damage from a pot hole. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. It's also possible to increase the deductible on your Pathfinder to bring the cost down.
Liability insurance provides protection from damages or injuries you inflict on other's property or people. It protects you against other people's claims. It does not cover your injuries or vehicle damage.
Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 15/30/5 that means you have a limit of $15,000 per injured person, a limit of $30,000 in injury protection per accident, and a total limit of $5,000 for damage to vehicles and property.
Liability coverage pays for claims like pain and suffering, court costs and loss of income. How much liability should you purchase? That is a decision to put some thought into, but buy as high a limit as you can afford. California state minimum liability requirements are 15/30/5 but you should think about purchasing better liability coverage.
The next chart demonstrates why the minimum limit may not be adequate.
Comprehensive (Other than Collision)
Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive coverage pays for claims such as damage from getting keyed, falling objects, hitting a deer, damage from flooding and theft. The maximum amount you'll receive from a claim is the actual cash value, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.
Do the work, save more money
We just showed you a lot of tips how to compare Nissan Pathfinder insurance premium rates in Oakland. It's most important to understand that the more companies you get prices for, the better likelihood of getting affordable Oakland car insurance quotes. Consumers may even find the best premium rates are with the least-expected company. Some small companies may cover specific market segments cheaper than the large multi-state companies such as Allstate, GEICO and Progressive.
When shopping online for auto insurance, make sure you don't skimp on coverage in order to save money. There are a lot of situations where an insured dropped full coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. Your focus should be to buy the best coverage you can find at the best price while not skimping on critical coverages.
Some companies do not offer rate quotes online and many times these smaller providers only sell coverage through independent insurance agents. Lower-priced auto insurance in Oakland can be purchased online and from local agencies, and you should compare rates from both in order to have the best price selection to choose from.
Much more information about auto insurance in California is located at the links below
- Safety Tips for Teen Drivers (Insurance Information Institute)
- What Insurance is Cheapest for a Hyundai Sonata in Oakland? (FAQ)
- Who Has the Cheapest Oakland Car Insurance Rates for Retired Military? (FAQ)
- How Much are Car Insurance Rates for Teachers in Oakland? (FAQ)
- Older Driver Statistics (Insurance Information Institute)
- Insuring a Leased Car (Insurance Information Institute)
- Neck Injury FAQ (iihs.org)
- Keeping Children Safe in Crashes Video (iihs.org)