How Much Does 2007 Dodge Nitro Insurance Cost?

Having to pay for high-priced Dodge Nitro insurance can diminish your funds and make it tough to pay other bills. Lots of insurance companies contend to insure your vehicles, and because of this it can be hard to compare car insurance companies and get the definite best rates possible.

If you have insurance now or need new coverage, you can use these tips to reduce the price you pay and still get good coverage. Choosing the best insurance company for you is quite easy. Drivers only need to know the proper methods to shop online.

How to get insurance quotes

The majority of larger companies such as Allstate, Geico and Progressive provide coverage price quotes on their websites. This process is easy for anyone as you simply type in your personal and coverage information as requested by the quote form. Behind the scenes, their rating system orders your driving record and credit report and quotes a price. Being able to quote online makes comparing rates easy, but the process of having to visit several different sites and complete many quote forms is a big time waster. But it’s very important to perform this step if you want to get the lowest insurance rates.

The easiest way to lower your rates uses just one form that obtains quotes from many companies. It’s a real time-saver, reduces the work, and makes rate comparisons a little more enjoyable. Once the form is submitted, your coverage is rated and you can choose any or none of the quote results. If you find a better price you can click and sign and buy the new coverage. This process only takes a few minutes and you will find out if you’re overpaying now.

In order to use this form to compare rates, click here to open in a new tab and submit your coverage information. If you have a policy now, it’s recommended you enter the coverage information identical to your current policy. This ensures you will get comparison quotes for the exact same coverage.

Double check you’re getting with these discounts

Auto insurance is easily one of your largest bills, but there could be available discounts that you may not even be aware of. Most are applied at the time of quoting, but a few must be manually applied prior to getting the savings.

  • Bundled Policy Discount – If you combine your auto and homeowners policies and place coverage with the same company you could save at least 10 to 15 percent or more.
  • Switch and Save Discount – A few insurance companies allow discounts for switching companies prior to your current policy expiring. Ten percent is about the average savings.
  • Own a Home – Owning a home can help you save on auto insurance because it is proof of financial responsibility.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to take driver’s ed class in school.
  • Defensive Driving Course – Taking a course teaching defensive driver skills can save you 5% or more and also improve your driving technique.
  • Passive Restraints – Factory options such as air bags and/or automatic seat belt systems can receive discounts as much as 30%.
  • Drive Less and Save – Maintaining low annual mileage can earn substantially lower auto insurancerates.
  • Senior Citizen Rates – Mature drivers may be able to get a discount up to 10% for Nitro coverage.

You should keep in mind that most discounts do not apply to the overall cost of the policy. A few only apply to specific coverage prices like collision or personal injury protection. Just because it seems like you would end up receiving a 100% discount, companies don’t profit that way.

A few of the larger companies and some of the premium reductions they offer are detailed below.

  • Farmers Insurance offers discounts for early shopping, electronic funds transfer, alternative fuel, good student, teen driver, and distant student.
  • State Farm offers premium reductions for good driver, accident-free, anti-theft, driver’s education, and student away at school.
  • Liberty Mutual may have discounts that include exclusive group savings, new move discount, preferred payment discount, multi-policy, newly retired, and good student.
  • MetLife includes discounts for accident-free, multi-policy, defensive driver, good student, and claim-free.
  • Progressive has discounts for multi-vehicle, online quote discount, multi-policy, continuous coverage, homeowner, online signing, and good student.

Before purchasing a policy, check with each insurance company which discounts you qualify for. Some of the earlier mentioned discounts might not be offered on policies in your area. To view companies who offer discounts, click here.

Your situation helps dictate your coverage

When it comes to buying adequate coverage for your personal vehicles, there is no single plan that fits everyone. Every insured’s situation is different and your policy should reflect that. For example, these questions might help in determining if your situation might need an agent’s assistance.

  • Does my policy cover me when driving someone else’s vehicle?
  • How can I get high-risk coverage after a DUI?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Does my insurance cover my expensive audio equipment?
  • Do I have coverage for damage caused while driving under the influence?
  • Why am I required to buy liability insurance?
  • How much can I save by bundling my policies?

If you’re not sure about those questions then you might want to talk to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies. It’s fast, free and can help protect your family.

Dodge Nitro insurance costs can be reduced

It’s important that you understand some of the things that go into determining your policy premiums. If you know what determines base rates, this enables informed choices that may reward you with big savings. Lots of factors are used in the calculation when pricing auto insurance. Some are obvious like an MVR report, although some other factors are not quite as obvious such as your marital status and annual miles driven.

  • Alarms and GPS tracking lowers premiums – Selecting a car model with a theft deterrent system can help lower your premiums. Anti-theft devices such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems help track and prevent car theft.
  • Age of drivers – Older insureds are proven to be safer behind the wheel, cost insurance companies less in claims and receive fewer citations.Inexperience drivers tend to be more careless when at the wheel of a vehicle therefore auto insurance rates are much higher.
  • Frequent auto insurance claims increase prices – Car insurance companies provide discounts to policyholders who file claims infrequently. If you frequently file small claims, you can definitely plan on much higher rates or policy non-renewal. Your insurance policy is intended for larger claims.
  • High comp and collision deductibles save money – Insurance for physical damage, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your Dodge. Examples of covered claims are a broken windshield, vandalism, and burglary. Physical damage deductibles define the amount the insured will be required to pay before a claim is paid by your company. The more expense the insured has to pay upfront, the less your company will charge you for insurance for Nitro coverage.
  • Additional coverages that may be costing you – There are a ton of extra bells and whistles that can waste your money on your Nitro policy. Insurance for things like rental car reimbursement, death and dismemberment, and term life insurance may be costing you every month. These may sound like a good investment when deciding what coverages you need, but your needs may have changed so consider taking them off your policy.
  • Save by driving vehicles with better crash test results – Vehicles with good safety scores cost less to insure. These vehicles result in less severe injuries and better occupant protection translates into fewer and smaller insurance claims which can mean better rates for you. If your Dodge Nitro is rated at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you may pay a lower rate.

Smaller companies may have the best rates

Consumers constantly see and hear ads for cheaper car insurance by Allstate, Geico and Progressive. All the ads try to convey promises about saving some big amount just by moving to their company.

How is it plausible that every one can make the same claim? This is the way they can do it.

Insurance companies give the cheapest rates for the type of driver that makes them money. An example of a desirable risk should be between the ages of 30 and 50, owns their home, and drives newer vehicles. Any new insured that meets those criteria will most likely get cheap premium rates and will save a lot if they switch.

People who fall short of the “perfect” profile may be forced to pay higher premiums and this can result in the driver buying from a lower-cost company. If you listen closely, the ads state “people who switch” but not “everyone who gets a quote” can get the lowest rates when switching. That’s why companies can claim big savings. This really illustrates why you really should compare price quotes frequently. It’s not possible to predict which car insurance company will give you the biggest savings.

Educate yourself about insurance coverages

Understanding the coverages of your policy helps when choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Listed below are typical coverage types available from insurance companies.

Auto liability insurance

This protects you from damages or injuries you inflict on a person or their property in an accident. This coverage protects you from claims by other people, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 50/100/50 which stand for a limit of $50,000 per injured person, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability insurance covers things such as loss of income, medical services, court costs, legal defense fees and emergency aid. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as colliding with another moving vehicle, hitting a mailbox, crashing into a ditch, driving through your garage door and scraping a guard rail. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. You can also raise the deductible to get cheaper collision coverage.

Medical expense insurance

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for surgery, EMT expenses and doctor visits. The coverages can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Comprehensive (Other than Collision)

This coverage covers 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 like vandalism, damage from a tornado or hurricane, theft and damage from flooding. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

One last thing

Cheap 2007 Dodge Nitro insurance is possible online and from local agencies, so you should compare both to have the best selection. Some insurance providers do not provide rates over the internet and these smaller companies only sell through independent insurance agencies.

When buying insurance coverage, you should never buy lower coverage limits just to save a few bucks. In many instances, someone dropped comprehensive coverage or liability limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your focus should be to buy a smart amount of coverage at a price you can afford, but don’t skip important coverages to save money.

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