2009 Dodge Nitro Insurance Quotes

Finding low-cost insurance for a new or used Dodge Nitro can turn out to be an all-consuming task, but you can follow our insurance buying tips to make it easier. There is a right way and a wrong way to find insurance online and we’ll show you the quickest way to compare rates for your Dodge and locate the cheapest rates.

You should take the time to compare prices on a regular basis because insurance prices fluctuate regularly. Just because you had the best rates on Nitro coverage a couple years back you may be paying too much now. Block out anything you think you know about insurance because I’m going to teach you the things you must know in order to reduce your cost while increasing coverage.

Insurance coverage quotes comparison

Effectively comparing insurance coverage prices can be a lot of work if you aren’t aware of the best way to get rate quotes. You can spend your afternoon talking about coverages with insurance agencies in your area, or you can utilize the internet to get the quickest rates.

All the larger companies enroll in a system where insurance shoppers only type in their quote data once, and every company then gives them pricing for coverage. This system prevents you from having to do quote forms for every insurance coverage company.

To fill out one form to compare multiple rates now click here to start a free quote.

One minor caviat to using this type of system is that you can’t choose the insurers to get quotes from. If you prefer to choose individual companies for rate comparison, we have assembled a list of the cheapest insurance coverage companies in your area. Click here to view list.

Compare rates however you want, just ensure you are comparing the same quote data on every price quote you get. If your comparisons have different coverage information it will be next to impossible to make a fair comparison for your Dodge Nitro.

These discounts can slash car insurance rates

Auto insurance companies don’t always publicize every policy discount very clearly, so the next list breaks down a few of the more well known and the more hidden car insurance savings.

  • Discounts for Federal Employees – Active or former government employment can earn a discount up to 10% on Nitro coverage but check with your company.
  • Professional Organizations – Belonging to a civic or occupational organization is a good way to get lower rates when getting a insurance coverage quote.
  • Discounts for Good Drivers – Insureds who avoid accidents can save up to 40% or more on their insurance coverage quote on Nitro coverage compared to accident prone drivers.
  • Good Students Pay Less – Excelling in school could provide a savings of up to 20% or more. The good student discount can last up until you turn 25.
  • Pay Now and Pay Less – By paying your entire bill at once as opposed to paying monthly you can avoid monthly service charges.
  • Defensive Driving Course – Participating in a class that teaches defensive driving techniques is a good idea and can lower rates and also improve your driving technique.
  • Bundle and Save – When you have multiple policies with one insurance company you may save nearly 15% which can help you find cheaper insurance coverage.
  • Claim Free – Insureds who avoid accidents and claims pay less when compared to bad drivers.
  • Theft Deterent System – Cars optioned with advanced anti-theft systems can help prevent theft so companies will give you a small discount.
  • ABS and Traction Control Discounts – Cars, trucks, and SUVs equipped with ABS or steering control are much safer to drive and qualify for as much as a 10% discount.

As a footnote on discounts, most discount credits are not given to the entire cost. Most only reduce individual premiums such as liability and collision coverage. So when the math indicates adding up those discounts means a free policy, you won’t be that lucky.

If you would like to choose from a list of companies that have a full spectrum of discounts, click this link.

When do I need an agent’s advice?

When buying proper insurance coverage, there isn’t really a single plan that fits everyone. Everyone’s needs are different.

Here are some questions about coverages that could help you determine whether your personal situation might need an agent’s assistance.

  • Should I put collision coverage on all my vehicles?
  • Can I afford low physical damage deductibles?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Am I covered if my car is in a flood?
  • Is my cargo covered for damage or theft?
  • Is my teen driver covered when they drive my company car?
  • Why do I need rental car insurance?
  • Am I getting all the discounts available?
  • What is high-risk coverage and where do I buy it?

If you can’t answer these questions then you might want to talk to a licensed agent. To find an agent in your area, take a second and complete this form. It’s fast, free and you can get the answers you need.

Insurance coverage breakdown

Having a good grasp of a insurance policy aids in choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your 2009 Dodge Nitro.

Because many people 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.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for expenses for things like rehabilitation expenses, EMT expenses and doctor visits. They are often used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Coverage applies to all vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as damage from flooding, vandalism, rock chips in glass, a tree branch falling on your vehicle and fire damage. The most your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Liability insurance

Liability coverage can cover damages or injuries you inflict on people or other property in an accident. It protects you against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers claims like emergency aid, repair bills for other people’s vehicles and loss of income. How much coverage you buy is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Collision coverage protection

This coverage pays for damage to your Nitro from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like driving through your garage door, hitting a parking meter, colliding with a tree and crashing into a building. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. You can also raise the deductible to bring the cost down.