Searching for better insurance prices for a Dodge Nitro can turn out to be a lot of work, but you can follow these tips to make it easier.
There is a right way and a wrong way to find car insurance online so we’re going to tell you the absolute fastest way to get price quotes for a Dodge and get the lowest price.
How to Buy Car Insurance Online
Effectively comparing car insurance prices can take time and effort if you don’t understand the most efficient way. You could spend your day talking about coverages with insurance agencies in your area, or you could save time and use online quoting to get the quickest rates.
Many of the larger companies belong to an insurance system where insurance shoppers submit their information once, and every company can give them a price based on the submitted data. This eliminates the need for form submissions to every company.
To compare pricing click here to start a free quote.
The one disadvantage to using this type of system is you can’t choose which companies to get quotes from. So if you prefer to choose specific insurance companies for rate comparison, we have assembled a list of companies who write car insurance in your area. View list of insurance companies.
It’s your choice how you get your quotes, but ensure you’re using identical quote information for every quote you compare. If you have differing limits you can’t possibly determine the best price for your Dodge Nitro. Just a small difference in insurance coverages can make a big difference in price. And when quoting car insurance, remember that more quotes will enable you to find lower pricing.
Misconceptions in car insurance advertisements
Car insurance companies such as State Farm and Allstate consistently run ads in print and on television. They all seem to make the same claim of big savings if you change to them. How can each company claim to save you money? This is how they do it.
Different companies are able to cherry pick for the right customer that makes them money. A good example of a profitable customer might be profiled as between the ages of 40 and 55, insures multiple vehicles, and has excellent credit. Any new insured who meets those qualifications will get the preferred rates and is almost guaranteed to save a lot of money.
Consumers who don’t meet these standards must pay a higher premium and this can result in the customer not buying. The ad wording is “people who switch” not “people who quote” save money. That is how insurance companies can state the savings.
This illustrates why drivers must get quotes from several different companies. It’s not possible to predict which company will fit your personal profile best.
Parts of the Dodge Nitro rate equation
It’s important that you understand the factors that come into play when calculating the rates you pay for car insurance. Knowing what influences your rates allows you to make educated decisions that could result in big savings.
- Better crash test results mean better rates – Safer cars tend to have better insurance rates. Safer cars protect occupants better and lower injury rates means lower claim amounts and thus lower rates. If the Dodge Nitro scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.
- Your location is important – Living in a rural area can be a good thing when it comes to car insurance. Urban drivers regularly have much more traffic and longer commute times. Less people living in that area means fewer accidents.
- A clean driving record saves money – Whether or not you get tickets has a huge affect on how much you pay. Good drivers tend to pay less for car insurance than people who have multiple driving citations. Only having one citation can increase rates forty percent or more. Drivers with severe tickets such as DWI, reckless driving or hit and run convictions are required to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to drive a vehicle legally.
- What type of vehicle do you drive? – The performance level of the vehicle you are buying insurance for makes a substantial difference in your rates. Since the Dodge Nitro falls in the passenger car class, insuring your vehicle will cost similar in price or lower as compared to the average rate. Low performance passenger models generally receive the lowest base rates, but the cost you end up paying is determined by many additional factors.
You probably qualify for some discounts
Insurance can cost an arm and a leg, buy you may qualify for discounts to reduce the price significantly. Some trigger automatically when you purchase, but some must be specially asked for prior to getting the savings.
- Early Signing – A few companies offer discounts for switching to them prior to your current policy expiring. This can save 10% or more.
- Low Mileage Discounts – Keeping the miles down on your Dodge could qualify for discounted rates on garaged vehicles.
- Braking Control Discount – Cars that have steering control and anti-lock brakes can reduce accidents and qualify for as much as a 10% discount.
- Senior Citizens – Older drivers can possibly qualify for a small decrease in premiums for Nitro insurance.
- Homeowners Discount – Owning a home can help you save on car insurance because owning a home shows financial diligence.
As a disclaimer on discounts, some of the credits will not apply to the overall cost of the policy. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. Even though it may seem like you can get free auto insurance, it just doesn’t work that way. But all discounts will help reduce your premiums.
To see a list of companies with the best car insurance discounts, follow this link.
There’s no such thing as the perfect policy
When choosing the best car insurance coverage for your personal vehicles, there isn’t really a best way to insure your cars. Everyone’s situation is a little different.
For example, these questions could help you determine whether you will benefit from professional help.
- Can I pay claims out-of-pocket if I buy high deductibles?
- Do I need PIP (personal injury protection) coverage in my state?
- Can I afford to buy a different vehicle if my Dodge Nitro is totaled?
- When does my teenage driver need to be added to my policy?
- Do no-fault laws apply in my state?
- Do I need special endorsements for business use of my vehicle?
- I have good health insurance, so how much medical payments coverage do I need?
- Is there coverage for injuries to my pets?
- When should I not file a claim?
- Do I need to file an SR-22 for a DUI in my state?
If you can’t answer these questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, simply complete this short form.
Cheaper insurance is a realistic goal
Insureds switch companies for a variety of reasons including unfair underwriting practices, policy cancellation, being labeled a high risk driver or even lack of trust in their agent. Regardless of your reason for switching companies, choosing a new company is less work than it seems.
As you go through the steps to switch your coverage, don’t be tempted to skimp on critical coverages to save a buck or two. There are many occasions where an insured cut comprehensive coverage or liability limits and found out when filing a claim that it was a big error on their part. The ultimate goal is to get the best coverage possible at an affordable rate, not the least amount of coverage.
Discount Dodge Nitro insurance is available online in addition to many insurance agents, so you should compare both to get a complete price analysis. There are still a few companies who do not provide online price quotes and most of the time these regional insurance providers sell through independent agents.
