2007 Dodge Nitro Insurance Cost – 7 Ideas for Cheaper Prices

Are you irritated from robbing Peter to pay Paul to keep your car insured? You’re in the same situation as many other drivers.

You have so many insurance companies to purchase coverage from, and although it’s a good thing to be able to choose, more options can take longer to compare rates.

It’s a good habit to do rate comparisons before your policy renews due to the fact that insurance prices change regularly. Just because you had the lowest price on Nitro coverage six months ago you may be paying too much now. Forget all the misinformation about car insurance because we’re going to demonstrate the quickest way to find the best coverage while lowering your premiums.

Low cost insurance coverage prices

Many insurance companies allow you to get insurance quotes on the web. Doing online quotes is easy for anyone as you simply enter into a form. Once entered, the company’s rating system sends out for your credit score and driving record and returns a price based on the information you submitted. Quoting online makes it a lot easier to compare rates but the time required to go to many different websites and type in the same information is a big time waster. But it’s necessary to perform this step if you want to get lower prices.

There is a better way to compare rates

A more efficient way to get multiple rate quotes requires only one form to obtain quotes from several companies at one time. The form is fast, requires less work, and makes online price comparison much more efficient. As soon as the form is sent, it is rated and you are able to buy any or none of the quotes returned. If the quotes result in lower rates, it’s easy to complete the application and buy the new coverage. It can be completed in a matter of minutes and can result in significant savings.

In order to compare rates using this form now, simply click here to open in new window and submit your coverage information. If you have your current policy handy, we recommend that you enter deductibles and limits identical to your current policy. This way, you will be getting a rate comparison for exact coverage.

Take advantage of every insurance discount

Not many people think insurance is cheap, but there could be significant discounts to reduce the price significantly. Certain discounts will be applied when you quote, but a few must be specially asked for before they will apply.

• Waiver for an Accident – Not really a discount, but some companies like Progressive, Allstate, and GEICO may permit one accident without raising rates if you have no claims for a particular time prior to the accident.
• Discounts for Federal Employees – Being employed by or retired from a federal job can earn a discount up to 10% on Nitro coverage with select insurance companies.
• Homeowners Pay Less – Just being a homeowner can save a few bucks because it is proof of financial responsibility.
• Auto/Home Discount – When you have multiple policies with one company you could get a discount of nearly 15% which can help you find affordable car insurance.
• Early Switch Discount – Some insurance companies reward drivers for buying a policy before your current policy expires. This discount can save up to 10%.
• Savings for New Vehicles – Insuring a vehicle that is new can be considerably cheaper because newer models are generally safer.
• Student Driver Training – Reduce the cost of insurance for teen drivers by having them participate in a local driver’s education class as it can save substantially.

One thing to note about discounts is that some of the credits will not apply the the whole policy. Some only apply to specific coverage prices like liability and collision coverage. Just because you may think you could get a free insurance policy, companies wouldn’t make money that way.

A list of insurance companies and some of the discounts include:

• GEICO has discounts for defensive driver, military active duty, air bags, daytime running lights, and anti-lock brakes.
• Travelers offers premium reductions for save driver, hybrid/electric vehicle, new car, multi-policy, early quote, and payment discounts.
• Farm Bureau may have discounts that include youthful driver, multi-vehicle, driver training, safe driver, and multi-policy.
• Liberty Mutual policyholders can earn discounts including hybrid vehicle, safety features, new move discount, good student, multi-policy, and preferred payment discount.
• American Family may offer discounts for early bird, good driver, air bags, good student, and bundled insurance.
• Progressive offers discounts for multi-vehicle, continuous coverage, good student, homeowner, online quote discount, online signing, and multi-policy.

Before buying, ask every prospective company how many discounts you can get. Some of the earlier mentioned discounts may not be available in your area. To locate providers with significant discounts, click here.

How to know if you need help

When choosing coverage for your personal vehicles, there is no “perfect” insurance plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. For example, these questions might point out if your situation may require specific advice.

• Do I need higher collision deductibles?
• Does coverage extend to a rental car in a foreign country?
• Do I need an umbrella policy?
• Is my Dodge Nitro covered if I use it for business?
• Is business equipment covered while in my vehicle?
• Should I get collision insurance on every vehicle?
• Do I need replacement cost coverage on my 2007 Dodge Nitro?
• Why do I need rental car insurance?
• Am I covered if I crash into my own garage door?

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

The coverage is in the details

Understanding the coverages of a insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be ambiguous and coverage can change by endorsement. Listed below are the normal coverages offered by insurance companies.

Medical expense coverage

Med pay and PIP coverage kick in for short-term medical expenses for nursing services, X-ray expenses, funeral costs, pain medications and EMT expenses. They are often used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

Uninsured or underinsured coverage

This provides protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and also any damage incurred to your Dodge Nitro.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Collision insurance

Collision coverage pays to fix your vehicle from damage resulting from a collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims like colliding with a tree, hitting a mailbox, hitting a parking meter and scraping a guard rail. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.

Liability insurance

This coverage provides protection from damages or injuries you inflict on a person or their property that is your fault. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 100/300/100 that translate to a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against claims such as structural damage, pain and suffering, legal defense fees and medical services. How much liability should you purchase? That is a decision to put some thought into, but buy higher limits if possible.

Comprehensive protection

This pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like damage from a tornado or hurricane, a tree branch falling on your vehicle, falling objects, damage from getting keyed and damage from flooding. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.