2010 Dodge Nitro Insurance Rates

Are you tired of paying out the nose to pay your car insurance bill each month? You are no different than millions of other consumers. Drivers have so many insurers to buy insurance from, and although it’s nice to have multiple companies, it can be more difficult to locate the cheapest rates.

It’s a great practice to compare prices once or twice a year because insurance rates fluctuate regularly. If you had the lowest price on Nitro insurance two years ago the chances are good that you can find a lower rate today. Starting now, ignore everything you know about insurance because it’s time to teach you the proper way to reduce your cost while increasing coverage.

Car Insurance Quote Comparison

All major car insurance companies like Allstate and Progressive quote pricing on their websites. The process is pretty painless as you simply enter the coverage amounts you desire into a form. After you submit the form their rating system automatically orders reports for credit and driving violations and returns a price. Quoting online simplifies rate comparisons, but the work required to visit each company’s website and repetitively fill out multiple forms can get tiresome after awhile. But it’s very important to get many rate quotes in order to get better prices.

The easy way to compare rates

An easier way to lower your rates uses one form to obtain quotes from a bunch of companies at once. The form is fast, eliminates repetitive work, and makes price shopping online much more efficient. After sending your information, your coverage is rated and you can select any of the pricing results.

If the quotes result in lower rates, you simply finish the application and purchase the new policy. It takes 15 minutes at the most and you will know how your current rates stack up.

To compare rates now, simply click here to open in new window and input your coverage information. If you have coverage now, it’s recommended you copy the coverage information just like they are on your policy. This ensures you are getting a fair comparison based on the exact same insurance coverage.

Discounts are available to cut your rates

Insuring your vehicles can cost a lot, buy you may qualify for discounts to help offset the cost. Most are applied when you purchase, but a few need to be manually applied prior to receiving the credit. If you don’t get every credit you qualify for, you are paying more than you should be.

  • Sign Early and Save – Some companies give discounts for switching to them before your current policy expires. It can save you around 10%.
  • Multiple Policy Discount – When you have multiple policies with one company you will save approximately 10% to 15%.
  • Military Rewards – Having a family member in the military could be rewarded with lower premiums.
  • Clubs and Organizations – Affiliation with a qualifying organization could trigger savings when shopping for insurance on Nitro insurance.
  • Senior Citizens – Older drivers may receive reduced rates on Nitro insurance.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes can reduce accidents and earn discounts up to 10%.
  • Homeowners Pay Less – Simply owning a home may earn you a small savings because owning a home requires personal responsibility.
  • Save with a New Car – Putting insurance coverage on a new car is cheaper because new vehicles have to meet stringent safety requirements.
  • Payment Discounts – If paying your policy premium upfront instead of making monthly payments you could save up to 5%.

Consumers should know that some credits don’t apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. So despite the fact that it appears all those discounts means the company will pay you, it just doesn’t work that way. Any amount of discount will reduce the amount you have to pay.

A partial list of companies that possibly offer some of the above discounts may include but are not limited to:

Double check with every prospective company how you can save money. Some discounts may not be available in every state.

Everyone needs different coverages

When choosing adequate coverage for your vehicles, there really is not a “best” method to buy coverage. Everyone’s situation is a little different so this has to be addressed. These are some specific questions may help highlight whether your personal situation would benefit from an agent’s advice.

  • Is my trailer covered?
  • Why does it cost so much to insure a teen driver?
  • Which companies will insure high-risk drivers?
  • Does having multiple vehicles earn me a discount?
  • Can my teen drive my company car?
  • I have a DUI can I still get coverage?
  • Does my policy pay for OEM or aftermarket parts?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.

Factors that might impact rates for a Dodge Nitro

It’s important that you understand the factors that go into determining the rates you pay for insurance. Having a good understanding of what impacts premium levels enables informed choices that can help you get big savings.

  • With age comes lower rates – Older drivers are more responsible, file fewer claims and are safer drivers. Teenage drivers have a tendency to be more careless behind the wheel therefore insurance rates are much higher.
  • Special features that cut premiums – Purchasing a vehicle with an alarm system can help bring down rates. Anti-theft features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping your car from being stolen.
  • High deductibles save money – Physical damage deductibles define the amount you are required to spend out-of-pocket before your insurance pays a claim. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your car. A few examples of covered claims could be running into the backend of another car, vandalism, and burglary. The higher the amount you have to pay, the bigger discount you will receive on Nitro insurance.
  • Sex matters – Statistics show women are more cautious behind the wheel. That doesn’t necessarily mean that women are better drivers. Women and men are in accidents at about the same rate, but men cause more damage. Men also get cited for more serious violations like reckless driving and DUI. Youthful male drivers are the most expensive to insure and thus pay the highest rates.
  • Careful drivers pay lower rates – A bad driving record has a lot to do with how much you pay for insurance. Even one speeding ticket may increase your cost forty percent or more. Drivers with clean records get better rates than people who have multiple driving citations. If you have severe violations such as hit and run, DWI or reckless driving convictions may find they need to submit a SR-22 form with their state DMV in order to drive a vehicle legally.
  • Allowing your policy to lapse raises rates – Driving your car without having proper coverage is illegal and your next policy will cost more because you let your insurance lapse. Not only will rates go up, but not being able to provide proof of insurance may earn you a hefty fine and possibly a revoked license.

Coverages available on your insurance policy

Knowing the specifics of your insurance policy helps when choosing the best coverages for your vehicles. The terms used in a policy can be ambiguous and coverage can change by endorsement. Shown next are typical coverages found on the average insurance policy.

UM/UIM Coverage – This coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your 2010 Dodge Nitro.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally the UM/UIM limits do not exceed the liability coverage limits.

Collision coverages – Collision coverage pays for damage to your Nitro caused by collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like driving through your garage door, colliding with another moving vehicle and hitting a parking meter. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Liability auto insurance – Liability coverage can cover injuries or damage you cause to other’s property or people by causing an accident. It protects YOU against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 25/50/25 which stand for $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Some companies may use a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as pain and suffering, court costs, funeral expenses, legal defense fees and attorney fees. How much liability coverage do you need? That is up to you, but you should buy as much as you can afford.

Comprehensive or Other Than Collision – This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as damage from flooding, hail damage, fire damage, hitting a deer and theft. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage pay for bills like hospital visits, prosthetic devices and pain medications. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is only offered in select states and may carry a deductible

Smart consumers save more

When you buy insurance online, do not skimp on critical coverages to save a buck or two. There are many occasions where an insured cut liability limits or collision coverage to discover at claim time that the savings was not a smart move. Your strategy should be to purchase plenty of coverage at a price you can afford.

In this article, we presented many ways to reduce 2010 Dodge Nitro insurance prices online. It’s most important to understand that the more price quotes you have, the better your comparison will be. You may even find the lowest priced insurance comes from the least-expected company. Some small companies can often provide lower rates in certain areas compared to the large companies like State Farm or Progressive.

Additional information can be read at the links below