Save on 2007 Dodge Nitro Insurance Cost

Locating low-cost insurance for a Dodge Nitro can turn out to be an all-consuming task, but you can learn our insurance coverage buying tips to make it easier.

There are both good and bad ways to find insurance coverage online so you’re going to learn the quickest way to compare rates for your Dodge and get the lowest price either online or from local insurance agents.

It’s a good habit to quote other rates before your policy renews since insurance prices tend to go up over time. If you had the lowest rates for Nitro insurance a couple years back you can probably find a better rate quote now. Block out anything you think you know about insurance coverage because we’re going to demonstrate the best way to lower your rates without sacrificing coverage.

If you have insurance now or need a new policy, you can learn to find better prices while maximizing coverage. Locating the best coverage is quite easy. Drivers just need to understand the proper way to shop for auto insurance online.

How to get the cheapest auto insurance

Finding cheap 2007 Dodge Nitro auto insurance rates is not a difficult process. You just have to take a couple of minutes to get quotes from online providers. Rate comparisons can be done by using one of the methods below.

  1. One of the best ways consumers can make multiple comparisons is to use a rate comparison form (click to open form in new window). This type of form keeps you from doing repetitive form submissions for every company. One quote request will return quotes from auto insurance companies with the best prices. Recommended for those who want to invest the least amount of time.
  2. A harder way to get quotes online consists of visiting the website for each individual company and get a separate price quote. For example, let’s assume you are doing a rate comparison from Farmers, GEICO and Progressive. You would be required to spend time on each company’s site and repeatedly type in your coverage information, and that’s why the first method is more popular. To view a list of companies in your area, click here.

Whichever way you use, ensure you are comparing apples-to-apples information on every quote you get. If your comparisons have different limits and deductibles on each one you will not be able to get a fair rate comparison.

Save money by getting discounts

The cost of insuring your cars can be expensive, but there’s a good chance there are discounts that may help make it more affordable. Certain discounts will be triggered automatically at the time you complete a quote, but lesser-known reductions have to be asked for prior to receiving the credit.

  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to wear their seat belts could save 15% off the medical payments premium.
  • Senior Citizens – Older drivers can possibly qualify for lower premium rates for Nitro insurance.
  • Claim Free – Drivers who don’t have accidents pay much less when compared with bad drivers.
  • Lower Rates for Military – Being deployed with a military unit can result in better insurance coverage rates.
  • New Car Discount – Insuring a vehicle that is new may earn a small discount because new vehicles keep occupants safer.

Keep in mind that some of the credits will not apply the the whole policy. Most only reduce the price of certain insurance coverages like medical payments or collision. Just because you may think you could get a free insurance coverage policy, you’re out of luck.

A list of companies and some of the discounts include:

  • American Family may have discounts that include multi-vehicle, bundled insurance, accident-free, TimeAway discount, Steer into Savings, and mySafetyValet.
  • Farm Bureau may include discounts for good student, safe driver, multi-vehicle, renewal discount, and multi-policy.
  • State Farm offers discounts including Steer Clear safe driver discount, multiple autos, accident-free, safe vehicle, multiple policy, defensive driving training, and driver’s education.
  • Travelers discounts include student away at school, new car, multi-car, IntelliDrive, payment discounts, early quote, and save driver.
  • The Hartford has discounts for driver training, defensive driver, air bag, vehicle fuel type, good student, and bundle.
  • GEICO offers premium reductions for emergency military deployment, daytime running lights, five-year accident-free, defensive driver, and multi-vehicle.
  • Progressive includes discounts for multi-vehicle, continuous coverage, online quote discount, homeowner, and good student.

Double check with each company or agent which discounts you may be entitled to. Some credits might not be offered everywhere. If you would like to choose from a list of companies with the best insurance coverage discounts, click this link.

Your insurance coverage coverage should be tailored to you

When buying the right insurance coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Every insured’s situation is different.

For example, these questions might point out whether you could use an agent’s help.

  • How high should my uninsured/underinsured coverage be in my state?
  • Why am I required to buy liability insurance?
  • Does my insurance cover my expensive audio equipment?
  • Does medical payments coverage apply to all occupants?
  • Is my 2007 Dodge Nitro covered for smoke damage?
  • Should I buy additional glass protection?
  • Should I buy more coverage than the required minimum liability coverage?
  • Can I still get insurance after a DUI?

If you’re not sure about those questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, fill out this quick form. It’s fast, free and may give you better protection.

You can change your insurance prices

It’s important that you understand some of the things that help calculate your premiums. If you know what influences your rates, this allows you to make good choices that could result in cheaper rates. Lots of things are used in the calculation when you get your auto insurance bill. Some are pretty understandable like an MVR report, although others are not quite as obvious like your vehicle usage or your vehicle rating.

Shown below are some of the factors used by insurance companies to determine your rates.

  • Too many policy claims and you’ll pay more – Car insurance companies give most affordable rates to people who do not rely on their insurance for small claims. If you file a lot of claims you can expect increased rates or even have your policy non-renewed. Your car insurance is intended for larger claims.
  • Credit score impacts premium prices – Having a good credit score can be a huge factor in determining your rates. So if your credit history can be improved, you could pay less to insure your 2007 Dodge Nitro by repairing your credit. People that have excellent credit scores tend to be more responsible and file fewer claims than drivers who have poor credit scores.
  • Gender and car insurance rates – Over the last 30 years, statistics show that women are safer drivers than men. However, this does not mean women are better drivers. Both genders get in fender benders at about the same rate, but guys get into accidents with more damage. Not only are claims higher, but men get cited for more serious violations like driving under the influence (DUI).
  • Proper usage rating affects prices – The more you drive your Dodge every year the higher the price you pay to insure it. Most insurance companies calculate rates determined by how the vehicle is used. Cars and trucks left parked in the garage receive better premium rates than those that get driven frequently. An improperly rated Nitro can result in significantly higher rates. Verify your policy is rated on the correct driver usage.
  • City traffic equals higher costs – Having an address in a small town has definite advantages when shopping for auto insurance. People in densly populated areas have more auto accidents and more severe claims. Fewer drivers corresponds to lower accident rates and lower theft and vandalism rates.

Auto insurance coverages and their meanings

Understanding the coverages of your auto insurance policy helps when choosing the best coverages for your vehicles. Auto insurance terms can be ambiguous and nobody wants to actually read their policy.

Comprehensive insurance – Comprehensive insurance will pay to fix damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things like theft, damage from a tornado or hurricane, a tree branch falling on your vehicle, hitting a bird and damage from getting keyed. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Auto liability – Liability insurance protects you from injuries or damage you cause to a person or their property in an accident. It protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 25/50/25 which means a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability insurance covers claims such as bail bonds, repair bills for other people’s vehicles, legal defense fees and funeral expenses. How much liability should you purchase? That is a decision to put some thought into, but you should buy as large an amount as possible.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses like surgery, chiropractic care and dental work. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover you and your occupants as well as being hit by a car walking across the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers 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. Normally the UM/UIM limits are similar to your liability insurance amounts.

Collision coverages – Collision coverage covers damage to your Nitro resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like driving through your garage door, damaging your car on a curb, colliding with another moving vehicle and hitting a parking meter. This coverage can be expensive, so consider removing coverage from lower value vehicles. Drivers also have the option to raise the deductible to bring the cost down.

A little work can save a LOT of money

In this article, we presented a lot of techniques to lower your 2007 Dodge Nitro insurance rates. The most important thing to understand is the more rate quotes you have, the higher the chance of saving money. You may even find the biggest savings come from an unexpected company.

People change insurance companies for any number of reasons including poor customer service, policy cancellation, unfair underwriting practices and even delays in paying claims. Whatever your reason, finding a great new company is not as hard as you think.

Budget-conscious 2007 Dodge Nitro insurance is available from both online companies and also from your neighborhood agents, and you should compare rates from both so you have a total pricing picture. A few companies do not offer internet price quotes and usually these small insurance companies work with local independent agents.

Additional detailed information is available in the articles below:

Comments About 2007 Dodge Nitro Insurance

  1. Marissa Wolf

    Located in Chesapeake, VA. I don’t recall every quote but I ended up saving about $70 each month. Left Eastwood to switch.

  2. America Munoz

    Why are claims settled so low?

  3. Edyth Tanner

    Great site. Checking in from Springfield, MO. Quoted quotes with State Farm, AIG Insurance, and some I forget for my Nitro and saved $307 a year. Have an at-fault accident tho. I used their website to get prices.

  4. Columbus Morrow

    Where is cheaper car insurance? Got a quote with Farmers for my Dodge and cut my rates about $250 a year.

  5. Brock Guthrie

    Thanks for putting this site together. I’m in the west part of Tucson, AZ. Got car insurance prices from Auto-Owners, MetLife, and Travelers for my 2007 Dodge Nitro and saved $386 a year. Left Esurance to switch. Good multi-policy discounts.

  6. Simon Gentry

    I live just to the west of Las Cruces, New Mexico. Checked online prices for a 2007 Dodge Nitro. Ended up at about $330 savings annually. Went with Progressive. Have a couple speeding tickets too.

  7. Wan Blackburn

    Cheaper car insurance is a myth. I live in Buffalo, NY. Received prices from Travelers, AIG Insurance, Hanover, and Safeco for my 2007 Dodge Nitro and saved around $320 a year. Was with State Farm. :)

  8. Estella Orr

    I got quite a few price quotes for a 2007 Dodge Nitro in Fort Wayne, IN. Ended up at darn near $560 every six months with AIG Insurance.

  9. Hugh Moreno

    Will Progressive raise rates for a windshield claim?

  10. Laverne Zamora

    Will Allstate cancel me if I have an accident?

  11. Willie Jordan

    Not sure what I should be paying. From east side of Anchorage, AK. Not sure of all the companies but I ended up saving about $70 each month. My new agent seems to be really good. I used their website to get prices.