Cheap 2011 Dodge Nitro Insurance Cost

Trying to find the cheapest insurance rates for your Dodge Nitro? Sick and tired of sacrificing to make your insurance payment? You’re in the same situation as most other drivers.

Online insurance companies like State Farm and GEICO all promote huge savings with advertising and it is challenging if not impossible to see past the corporate glitz and do the work needed to find the best deal.

You should make it a habit to quote other rates before your policy renews because insurance prices are rarely the same from one policy term to another. Even if you got the best price for Nitro coverage a year ago other companies may now be cheaper. Ignore everything you know about insurance because we’re going to show you the fastest and easiest way to save on insurance.

Compare free insurance coverage rate quotes

The are a couple different ways of comparing rates from many available insurance coverage companies in your state. The quickest method to compare 2011 Dodge Nitro insurance prices is simply to get online rate quotes. It is quite easy and can be accomplished in a couple of different ways.

The simplest way to find low rates would be an industry-wide quote request form like this one (opens in new window). This quick form eliminates the need for separate forms for each price estimate. Just one form gets rate comparisons from all major companies.

Another way to compare prices is to take the time to go to the website of each company to request a price quote. For instance, we’ll pretend you want to see prices from Allstate, State Farm and Liberty Mutual. In order to compare rates, you need to go to each individual site to enter your coverage information, which is why the first method is more popular.

For a list of companies in your area, click here.

The last way to quote and compare insurance rates is to spend time driving to insurance agents’ offices. Quoting online has reduced the need for local agents unless you require the trained advice that only a licensed agent can provide. Drivers can compare the best prices online but purchase the actual policy in an agency.

It’s your choice how you get your quotes, but try to keep nearly identical quote data on every price quote you get. If the quotes have different deductibles it’s impossible to find the best deal for your Dodge Nitro. Just a small difference in limits may cause a big price difference. And when comparing insurance coverage rates, know that making a lot of price comparisons provides better odds of finding better pricing.

Beware of misleading auto insurance ads

Auto insurance providers like Allstate, GEICO and Progressive consistently run ads on TV and radio. All the companies make the point that you’ll save big if you just switch to their company. How is it plausible that every one can save you money? This is how they do it.

Companies require specific criteria for the type of customer that is profitable for them. One example of this type of risk profile might be described as married and over the age of 30, has no prior claims, and has great credit. Any new insured who matches that profile may get the lowest prices and therefore will save if they switch.

People who do not match these stringent criteria will be charged higher premiums which leads to the driver buying from a lower-cost company. If you listen to the ad wording, they say “people who switch” but not “everyone who gets a quote” can save as much as they claim. That is how companies can advertise the way they do. This illustrates why it’s extremely important to do a price quote comparison at every renewal. It’s just too difficult to predict which company will have the best car insurance rates for your profile.

These discounts can lower your insurance quotes

Not many people think insurance is cheap, but you might find some hidden discounts that many consumers don’t even know exist. A few discounts will automatically apply at the time of quoting, but less common discounts must be inquired about before you get the savings.

  • Driver Education Discount – Teen drivers should participate in a local driver’s education class if offered at their school.
  • Paper-free Discount – A few larger online companies will give a small break for buying a policy and signing up on the web.
  • Distant Student Discount – Older children who are enrolled in higher education away from home and leave their car at home could qualify for this discount.
  • 55 and Retired – If you’re over the age of 55, you can get reduced rates for Nitro coverage.
  • Pay Early and Save – If you pay your bill all at once rather than paying monthly you could save 5% or more.
  • Service Members Pay Less – Having a deployed family member could be rewarded with lower prices.
  • Membership in Organizations – Having an affiliation with a qualifying organization can get you a small discount when getting a insurance coverage quote.
  • Discount for Low Mileage – Driving less could qualify for lower rates due to less chance of an accident.
  • Discount for New Cars – Buying coverage on a new vehicle can save up to 30% because new vehicles keep occupants safer.
  • Discount for Good Grades – Excelling in school may save as much as 25% on a insurance coverage quote. Most companies allow this discount up until you turn 25.

We need to note that some of the credits will not apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. Despite the fact that it seems like all the discounts add up to a free policy, nobody gets a free ride.

Popular insurance companies and a selection of discounts are:

  • Progressive includes discounts for good student, online signing, homeowner, multi-vehicle, online quote discount, and continuous coverage.
  • SAFECO discounts include drive less, bundle discounts, safe driver, anti-theft, and teen safety rewards.
  • American Family has discounts for TimeAway discount, good student, bundled insurance, defensive driver, good driver, Steer into Savings, and mySafetyValet.
  • MetLife may offer discounts for accident-free, multi-policy, good student, good driver, and claim-free.
  • GEICO offers discounts for emergency military deployment, seat belt use, multi-vehicle, good student, and anti-lock brakes.
  • The Hartford offers discounts including defensive driver, air bag, anti-theft, driver training, and vehicle fuel type.

Before you buy a policy, ask every company which discounts can lower your rates. All car insurance discounts might not be offered on policies in your area. If you would like to see a list of insurance companies with discount insurance rates, follow this link.

Different people need different car insurance coverages

When buying the right insurance coverage, there really is not a best way to insure your cars. Coverage needs to be tailored to your specific needs so your insurance should reflect that Here are some questions about coverages that might help in determining whether you might need an agent’s assistance.

  • Why am I required to buy high-risk coverage?
  • Can my teen driver be rated on a liability-only vehicle?
  • Who is covered when they drive my 2011 Dodge Nitro?
  • How can I find cheaper teen driver insurance?
  • Is business equipment covered while in my vehicle?
  • Are split liability limits better than a combined single limit?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area.

Coverages available on your insurance policy

Having a good grasp of your insurance policy aids in choosing the right coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and coverage can change by endorsement. Listed below are the normal coverages found on the average insurance policy.

Comprehensive insurance

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as a tree branch falling on your vehicle, theft and fire damage. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance provide coverage for bills such as hospital visits, surgery and nursing services. They are used in conjunction with a health insurance program or if you do not have health coverage. They cover all vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and may carry a deductible

Auto liability

This coverage can cover damage that occurs to other’s property or people that is your fault. It protects you from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

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. As an example, you may have limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability coverage pays for things such as pain and suffering, repair bills for other people’s vehicles, attorney fees, structural damage and bail bonds. How much coverage you buy is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Collision coverage protection

Collision coverage pays for damage to your Nitro from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like backing into a parked car, hitting a mailbox and sideswiping another vehicle. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. You can also increase the deductible to bring the cost down.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Dodge Nitro.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Never pay more for less

While you’re price shopping online, make sure you don’t skimp on critical coverages to save a buck or two. In many instances, consumers will sacrifice liability coverage limits only to find out that they should have had better coverage. The ultimate goal is to find the BEST coverage at the best price but still have enough coverage for asset protection.

More affordable insurance coverage can be found from both online companies in addition to local insurance agencies, so you need to shop insurance coverage with both so you have a total pricing picture. Some insurance coverage companies may not have rates over the internet and these regional carriers work with independent insurance agents.

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