2011 Dodge Nitro Insurance Quotes

Want better insurance rates for your Dodge Nitro? Trying to come up with a payment for pricey insurance can eat up your accounts, especially in this economy.

Multiple auto insurance companies compete for your insurance dollar, so it can be very hard to choose a provider to discover the definitive lowest price

It’s smart to compare prices at least once a year since rates change quite often. If you had the lowest premium rates for Nitro coverage at your last renewal there is a good chance you can find better prices now. Block out anything you think you know about insurance because you’re about to learn the best methods to find better coverage at a better price.

Car insurance policy discounts

Some providers don’t always publicize the complete list of policy discounts in a way that’s easy to find, so the following is a list of a few of the more common and also the lesser-known credits that you can use to lower your rates.

Auto/Life Discount – Some companies give better prices if you take out some life insurance too.
Accident Waiver – Not really a discount, but certain companies may permit one accident without raising rates if you are claim-free prior to the accident.
Multi-policy Discount – If you can bundle your home and auto insurance with one insurance company you could earn a discount of at least 10% off all policies.
Braking Control Discount – Cars equipped with ABS or steering control can avoid accidents so you can save 10 percent or more.
Discount for Low Mileage – Keeping the miles down on your Dodge could qualify for lower rates due to less chance of an accident.
Discounts for Safe Drivers – Drivers without accidents may save up to 50% more for Nitro coverage than drivers with accidents.
Savings for New Vehicles – Insuring a vehicle that is new can save up to 30% due to better safety requirements for new model year vehicles.
Defensive Driving Course – Passing a course teaching defensive driving skills could save 5% or more if you qualify.
Resident Student – Older children who are enrolled in a college that is more than 100 miles from home and do not have a car can be insured at a reduced rate.

You can save money using discounts, but most discounts do not apply to your bottom line cost. Some only reduce the price of certain insurance coverages like collision or personal injury protection. Just because you may think you could get a free car insurance policy, that’s just not realistic. But any discount will help reduce your overall bill.

Popular car insurance companies and some of the discounts include:

Progressive may offer discounts for continuous coverage, online quote discount, homeowner, good student, online signing, multi-policy, and multi-vehicle.
MetLife discounts include multi-policy, defensive driver, accident-free, claim-free, and good driver.
Mercury Insurance may have discounts that include location of vehicle, good driver, anti-theft, annual mileage, multi-car, low natural disaster claims, and good student.
Nationwide policyholders can earn discounts including anti-theft, defensive driving, multi-policy, business or organization, and accident-free.
GEICO offers premium reductions for membership and employees, driver training, military active duty, five-year accident-free, and daytime running lights.
AAA has savings for pay-in-full, AAA membership discount, good driver, anti-theft, multi-policy, and good student.

Before buying, ask each insurance company how many discounts you can get. Some discounts might not be offered on policies in your state.

How do I know if I need professional advice?

When it comes to choosing the best insurance coverage, there isn’t really a “best” method to buy coverage. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For instance, these questions could help you determine if your situation will benefit from professional help.

When do I need to add a new car to my policy?
Which is better, split liability limits or combined limits?
Will my insurance pay for OEM parts?
How can I force my company to pay a claim?
I have good health insurance, so how much medical payments coverage do I need?
Why is insurance for a teen driver so high?
Does my policy cover me when driving someone else’s vehicle?
I don’t drive much so do I pay less?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier

Insurance advertising gotchas

Companies like 21st Century, Allstate and State Farm consistently run ads in print and on television. All the companies try to convey promises that people will save if you move your coverage to them. That’s great but how can every company give you a better price? This is the way they can do it.

Insurance companies quote the lowest rates for the type of driver that makes them money. For instance, a profitable customer could possibly be over the age of 35, has a low-risk occupation, and has excellent credit. Any driver who fits those characteristics may get the lowest rates and is almost guaranteed to cut their rates if they switch.

Consumers who are not a match for these standards will probably be forced to pay higher premiums with the end result being business not being written. Company advertisements say “people that switch” not “all people who quote” can get the lowest rates when switching. That’s why companies can state the savings.

Because every company is different, you really should compare rate quotes every year. It’s impossible to know with any certainty which company will have the best car insurance rates at this point in time.

The coverage is in the details

Having a good grasp of your insurance policy aids in choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. Shown next are the usual coverages offered by insurance companies.

Comprehensive (Other than Collision)

Comprehensive insurance pays for damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as hitting a deer, falling objects, damage from a tornado or hurricane, fire damage and rock chips in glass. The highest amount your insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Dodge Nitro.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Collision coverage

This coverage covers damage to your Nitro from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as crashing into a building, crashing into a ditch, colliding with a tree, scraping a guard rail and rolling your car. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Another option is to raise the deductible to bring the cost down.

Medical expense insurance

Coverage for medical payments and/or PIP kick in for short-term medical expenses such as ambulance fees, dental work and doctor visits. They are utilized in addition to your health insurance program or if there is no health insurance coverage. Coverage applies to you and your occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Auto liability insurance

Liability insurance will cover damages or injuries you inflict on people or other property in an accident. This insurance protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 100/300/100 that means you have a limit of $100,000 per injured person, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers things like repair bills for other people’s vehicles, emergency aid, legal defense fees and medical services. How much liability coverage do you need? That is your choice, but consider buying as high a limit as you can afford.

Make a quick buck

As you shop your coverage around, it’s a bad idea to reduce coverage to reduce premium. Too many times, drivers have reduced liability limits or collision coverage only to discover later that their decision to reduce coverage ended up costing them more. Your aim should be to get the best coverage possible at the best price, not the least amount of coverage.

In this article, we presented a lot of information how to get a better price on 2011 Dodge Nitro insurance. The most important thing to understand is the more rate comparisons you have, the better your chances of lowering your rates. You may even find the best price on insurance is with a lesser-known regional company. These companies may often insure only within specific states and give getter rates compared to the large companies like State Farm, GEICO and Nationwide.

More affordable insurance is available online and from local agencies, and you should compare rates from both to have the best selection. Some insurance companies do not provide price quotes online and usually these small insurance companies only sell coverage through local independent agencies.