Finding cheaper insurance for a Nissan Pathfinder in Illinois could be an all-consuming task, but you can learn our auto insurance buying tips to make it easier. There are more efficient ways to shop for auto insurance and we’ll show you the quickest way to quote coverages for your Nissan and obtain the cheapest rates from both online companies and Chicago agents.
Unfortunately, a large majority of drivers in Illinois renewed their policy with the same company for a minimum of four years, and almost 40% of drivers have never even shopped around for cheaper coverage. Many consumers in the U.S. could save as much as $850 each year by just shopping around, but they don’t know the amount of money they would save if they replace their high priced policy.
It’s a good idea to shop coverage around occasionally due to the fact that insurance prices go up and down regularly. Even if you got the best rate on Nissan Pathfinder insurance in Chicago last year other companies may now be cheaper. Forget all the misinformation about auto insurance because you’re about to learn the easiest way to find great coverage at a great price.
Buying the cheapest auto insurance in Chicago is easy if you know what you’re doing. If you have a current auto insurance policy or are just looking to switch companies, use these cost-cutting techniques to cut your premiums without reducing coverage. Shoppers just have to understand the fastest way to find the lowest price online.
Get affordable rates by taking advantage of discounts
Companies don’t always advertise all their discounts very well, so below is a list both well-publicized and also the lesser-known discounts that may be available.
- Student Discounts – A discount for being a good student may save as much as 25% on a Chicago auto insurance quote. Earning this discount can benefit you until age 25.
- No Charge for an Accident – This one is not really a discount per se, but companies like Progressive and Allstate will let one accident slide before your rates go up so long as you are claim-free before the accident.
- Service Members Pay Less – Being on active deployment in the military could trigger a small discount.
- New Car Discount – Insuring a vehicle that is new is cheaper because new vehicles have to meet stringent safety requirements.
- Passenger Safety Discount – Options like air bags and/or automatic seat belt systems can receive discounts of 20 to 30 percent.
- Discounts for Good Drivers – Accident-free drivers may receive a discount up to 45% compared to rates paid by drivers with frequent claims.
- Drivers Ed for Students – Teen drivers should take driver’s ed class as it can save substantially.
As a footnote on discounts, many deductions do not apply to your bottom line cost. A few only apply to specific coverage prices like liability and collision coverage. Even though it appears you can get free auto insurance, companies don’t profit that way.
A few of the larger companies and their offered discounts are:
- Progressive policyholders can earn discounts including multi-vehicle, homeowner, online signing, online quote discount, good student, multi-policy, and continuous coverage.
- The Hartford includes discounts for good student, bundle, driver training, defensive driver, anti-theft, and air bag.
- Mercury Insurance offers discounts for professional/association, type of vehicle, location of vehicle, age of vehicle, multi-car, and good student.
- GEICO offers premium reductions for emergency military deployment, five-year accident-free, anti-lock brakes, good student, anti-theft, and military active duty.
- AAA discounts include anti-theft, good driver, AAA membership discount, pay-in-full, and education and occupation.
- State Farm has discounts for safe vehicle, multiple policy, good student, defensive driving training, accident-free, and driver’s education.
When quoting, ask every company which discounts can lower your rates. A few discounts might not apply in your state. To see a list of companies that offer multiple discounts in Chicago, follow this link.
The fastest way that we advise to get policy rate comparisons for Nissan Pathfinder insurance in Chicago is to realize most of the larger companies have advanced systems to compare rate quotes. To get started, all you need to do is provide a small amount of information like level of coverage desired, the ages of drivers, whether your vehicle is owned or leased, and your credit rating estimate. Your information is automatically sent to insurance companies and you get price estimates within a short period of time.
To start a rate quote now, click here then complete the form.
The car insurance companies shown below are our best choices to provide price comparisons in Chicago, IL. If multiple companies are shown, it’s a good idea that you compare several of them to get the best price comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Pathfinder S 2WD | $94 | $172 | $294 | $18 | $88 | $666 | $56 |
| Pathfinder S 4WD | $120 | $172 | $266 | $16 | $80 | $654 | $55 |
| Pathfinder SE 2WD | $174 | $288 | $294 | $18 | $88 | $862 | $72 |
| Pathfinder SE 4WD | $150 | $208 | $268 | $16 | $80 | $722 | $60 |
| Pathfinder LE 2WD | $282 | $500 | $352 | $20 | $106 | $1,260 | $105 |
| Pathfinder LE 4WD | $178 | $288 | $250 | $14 | $76 | $806 | $67 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Illinois minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Rates do not factor in specific zip code location which can decrease or increase price quotes significantly.
Rate comparison of full coverage and liability-only
The illustration below illustrates the difference between Nissan Pathfinder auto insurance rates with full physical damage coverage compared to only buying the minimum liability limits required in Illinois. The prices are based on no claims or violations, $1,000 deductibles, single female driver, and no additional discounts are factored in.
When to stop paying for full coverage
There is no exact rule for eliminating physical damage insurance, but there is a general guideline you can use. If the yearly cost for physical damage coverage is more than around 10% of the replacement cost minus the deductible, then you might want to think about dropping full coverage.
For example, let’s assume your Nissan Pathfinder claim settlement value is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most your company will settle for is $2,000 after paying your policy deductible. If you are paying more than $200 a year for full coverage, the it may be a good time to stop paying for full coverage.
There are some cases where only buying liability is not recommended. If you haven’t paid off your loan, you have to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you can’t afford to buy a different vehicle if your current one is damaged, you should not remove full coverage.
How to know if you need help
When selecting your policy, there isn’t really a “perfect” insurance plan. Your situation is unique.
These are some specific questions could help you determine whether your personal situation may require specific advice.
- Is my teen driver covered when they drive my company car?
- Do I have coverage when making deliveries for my home business?
- What is the difference between personal and commercial auto insurance policies?
- Can my teen driver be rated on a liability-only vehicle?
- What companies insure drivers after a DUI or DWI?
- Who sells insurance for high-risk drivers?
If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, complete this form. It is quick, free and you can get the answers you need.
Do I need an insurance agency?
Some people would rather talk to an insurance agent and often times that is recommended Experienced insurance agents can help you choose the best coverages and help in the event of a claim. A nice benefit of getting online price quotes is you may find cheap car insurance rates but also keep your business local.
To find an agent, once you fill out this quick form, the coverage information is emailed to companies in Chicago who will return price quotes and help you find cheaper coverage. There is no reason to contact an agency since price quotes are sent to you instantly. If you need to get a rate quote for a specific company, don’t hesitate to search and find their rate quote page and submit a quote form there.
Choosing an insurance company should include more criteria than just the bottom line cost. These questions are important to ask:
- If you raise deductibles, how much can you save?
- Can glass repairs be made at your home?
- Do they specialize in personal lines auto insurance in Chicago?
- How often do they review policy coverages?
- How does the company pay claims for a total loss?
- Will a damage claim use OEM or aftermarket replacement parts?
- Will they take your side in the event of a claim?
If you want to buy car insurance from a local Chicago insurance agent, it helps to know the two different types of agencies and how they differ in how they can insure your vehicles. Car insurance agents in Chicago are considered either independent agents or exclusive agents depending on their employer. Both can sell car insurance policies, but it’s important to point out the difference in how they write coverage because it can influence the type of agent you choose.
Exclusive Car Insurance Agents
Agents that elect to be exclusive can only provide pricing for a single company such as Farmers Insurance, State Farm, Allstate, and AAA. These agents are unable to provide other company’s prices so if the price isn’t competitive there isn’t much they can do. These agents are trained well on what they offer which helps them compete with independent agents. Consumers often use the same agent mostly because of the brand legacy and strong financial ratings.
The following is a short list of exclusive agencies in Chicago that can give you price quote information.
- Kathleen McKenzie – State Farm Insurance Agent
725 W 31st St – Chicago, IL 60616 – (312) 791-1200 – View Map - GEICO Insurance Agent
8549 S Cicero Ave – Chicago, IL 60652 – (773) 582-2886 – View Map - Vivian Valtas – State Farm Insurance Agent
6108 S Archer Ave – Chicago, IL 60638 – (773) 582-3322 – View Map
Independent Car Insurance Agencies
Agents of this type do not work for one specific company so they have the ability to put coverage amongst many companies and possibly get better coverage at lower prices. If they find a cheaper price, the business is moved internally and you won’t have to switch agencies.
When comparing car insurance rates, you absolutely need to compare quotes from independent agents to have the best price comparison. Most can insure with companies you’ve never heard of which can save you money.
The following are Chicago independent insurance agents willing to provide price quote information.
- ABI Insurance Agency
4806 N Milwaukee Ave – Chicago, IL 60630 – (773) 202-9666 – View Map - Eagle Insurance Agency
3517 N Spaulding Ave – Chicago, IL 60618 – (773) 463-7576 – View Map - Talro Insurance Agency
4900 W Belmont Ave – Chicago, IL 60641 – (773) 205-8255 – View Map
Get the best coverage at the lowest price
Drivers switch companies for a number of reasons such as questionable increases in premium, denial of a claim, high prices and even extreme rates for teen drivers. Whatever your reason, choosing a new company is not as difficult as it may seem.
We’ve covered a lot of ways to get a better price on Nissan Pathfinder insurance in Chicago. The key concept to understand is the more times you quote, the more likely it is that you will get a better rate. You may even be surprised to find that the lowest prices come from an unexpected company.
While you’re price shopping online, do not reduce needed coverages to save money. In many cases, an accident victim reduced liability coverage limits only to regret that saving that couple of dollars actually costed them tens of thousands. Your goal is to find the BEST coverage at the lowest possible cost, but don’t skip important coverages to save money.
For more information, feel free to browse the articles below:
- Safety Features for Your New Car (State Farm)
- Who Has the Cheapest Chicago Auto Insurance for a Chevrolet Silverado? (FAQ)
- What Auto Insurance is Cheapest After a Speeding Ticket in Chicago? (FAQ)
- How Much are Chicago Car Insurance Rates for Unemployed Drivers? (FAQ)
- Who Has Cheap Car Insurance for a Honda Civic in Chicago? (FAQ)
- Teen Driving Statistics (GEICO)
- What is Gap Insurance? (Insurance Information Institute)