How Much Does 2010 Dodge Nitro Insurance Cost?

Trying to find cheaper car insurance rates for your Dodge Nitro? There isn’t a single person who looks forward to paying premiums for car insurance, especially when they know their premiums are through the roof. Numerous insurance companies battle for your hard-earned dollar, and because of this it can be hard to compare insurance companies and uncover the absolute lowest price

Get Dodge Nitro insurance for less

It’s important that you understand the factors that come into play when calculating the level of your policy premiums. If you have a feel for what impacts premium levels, this helps enable you to make changes that can earn you big savings.

• Filing car insurance claims can increase rates – If you are the type of insured that files lots of claims don’t be surprised to see higher rates. Auto insurance companies provide most affordable rates to insureds who are claim-free. Auto insurance is intended for the bigger claims that can’t be paid out-of-pocket.
• Discounts for married couples – Having a wife or husband actually saves money compared to being single. Having a spouse translates into being more mature and responsible and insurance companies reward insureds because married drivers tend to file fewer claims.
• Do thieves like your car? – Purchasing a vehicle with a theft deterrent system can help bring down rates. Advanced theft deterrents such as OnStar, LoJack tracking, and tamper alarms all aid in stopping your vehicle from being stolen.
• Low comp and collision deductibles cost more – Physical damage protection, also called ‘full coverage’, insures against damage to your Dodge. Examples of covered claims are a dented fender, damage caused by hail, and rolling your vehicle. Your deductibles state the amount of money you are willing to pay before a claim is paid by your company. The higher the amount you’re willing to pay, the bigger discount you will receive for Nitro coverage.
• Premiums increase with driving tickets – Having a clean driving record can have a huge impact on auto insurance premiums. Good drivers get better prices than bad drivers. Getting just one chargable violation can boost insurance rates substantially. Drivers who have license-revoking citations like reckless driving or DUI may face state-mandated requirements to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to legally drive a vehicle.
• Annual mileage and car insurance rates – Driving a lot of miles annually the more you will pay for car insurance. The majority of insurers price each vehicle’s coverage based on their usage. Cars and trucks not used for work or commuting receive lower rates than cars that get driven a lot. Double check that your car insurance policy states the right rating data, because it can save money. An improperly rated Nitro may be wasting your money.

Discounts for cheap insurance rates

Insurance is easily one of your largest bills, but there may be some discounts that can dramatically reduce your bill. Some of these disounts will be visible at quote time, but some must be manually applied in order for you to get them.

• Bundled Policy Discount – If you insure your home and vehicles and insure them both with the same insurance company you could earn a discount of at least 10% off all policies.
• Active Military Service – Being on active deployment in the military may qualify for rate reductions.
• Safety Course Discount – Successfully completing a defensive driver class could earn you a small percentage discount and make you a better driver.
• Driver’s Ed – Cut your cost by having your teen driver participate in a local driver’s education class in school.
• Own a Home – Owning a home can save a few bucks because maintaining a house is proof of financial responsibility.
• Accident Waiver – This isn’t a discount exactly, but some companies like Geico and Allstate will allow you to have one accident without getting socked with a rate hike as long as you don’t have any claims for a particular time prior to the accident.

As a sidenote, most discount credits are not given to the entire policy premium. Most cut the cost of specific coverages such as liability, collision or medical payments. Even though the math looks like you would end up receiving a 100% discount, it doesn’t quite work that way.

Popular insurance companies and their possible discounts can be found below.

• Esurance may have discounts that include multi-policy, good driver, renters, defensive driver, and claim free.
• The Hartford has savings for bundle, anti-theft, air bag, vehicle fuel type, good student, driver training, and defensive driver.
• AAA may offer discounts for anti-theft, multi-car, AAA membership discount, multi-policy, pay-in-full, good driver, and education and occupation.
• Geico has discounts for five-year accident-free, daytime running lights, anti-lock brakes, multi-policy, seat belt use, and defensive driver.
• State Farm policyholders can earn discounts including defensive driving training, safe vehicle, Steer Clear safe driver discount, good driver, anti-theft, passive restraint, and Drive Safe & Save.

If you are trying to find low cost insurance quotes, ask all companies you are considering to apply every possible discount. Some of the earlier mentioned discounts might not be offered everywhere. For a list of insurers that offer discounts, click here.

Insurance coverage savings promises

Drivers can’t get away from ads that claim the best rates by 21st Century, Allstate and State Farm. All the ads make the same claim about saving some big amount after switching to their company.

Is it even possible that every company can give you a better price? It’s all in the wording.

All companies are able to cherry pick for the type of insured that will add to their bottom line. An example of a profitable insured should be married and over the age of 30, has never had a claim, and drives a lower-performance vehicle. A customer getting a price quote that hits that “sweet spot” receive the lowest rate quotes and will probably cut their rates if they switch.

Insureds who fall outside those standards will probably have to pay a higher premium which usually ends up with the prospect going elsewhere. The ads state “drivers who switch” not “everybody who quotes” can save as much as they claim. That’s the way insurance companies can confidently claim big savings.

This emphasizes why you need to compare as many free insurance quotes as you can. It’s not possible to predict which insurance coverage company will have better premium rates than you’re paying now.

Tailor your insurance coverage to you

When it comes to choosing coverage, there isn’t really a best way to insure your cars. Everyone’s needs are different so your insurance should reflect that For instance, these questions may help you determine if your insurance needs could use an agent’s help.

• Can I make deliveries for my home business?
• If my pet gets injured in an accident are they covered?
• Can I afford to pay high deductible claims out of pocket?
• Will my rates increase for filing one claim?
• Am I covered when pulling a rental trailer?
• Does my 2010 Dodge Nitro need full coverage?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of insurance companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Auto insurance 101

Having a good grasp of your policy can help you determine the best coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. These are the usual coverages found on most auto insurance policies.

Auto liability – Liability coverage provides protection from damage that occurs to other’s property or people by causing an accident. It protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 25/50/25 that translate to $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Another option is a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for claims like repair costs for stationary objects, bail bonds and structural damage. The amount of liability coverage you purchase is up to you, but you should buy as large an amount as possible.

Collision coverage – Collision insurance will pay to fix damage to your Nitro resulting from a collision 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 claims like colliding with another moving vehicle, hitting a mailbox, sustaining damage from a pot hole and backing into a parked car. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Comprehensive insurance – This will pay to fix damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for things such as theft, vandalism, hitting a deer and damage from getting keyed. The highest amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP kick in for bills for things like ambulance fees, surgery and X-ray expenses. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and may carry a deductible

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Dodge Nitro.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Normally the UM/UIM limits are similar to your liability insurance amounts.

One last thing about your coverage

You just learned many tips how you can compare 2010 Dodge Nitro insurance rates online. The most important thing to understand is the more companies you get car insurance rates for, the more likely it is that you will get a better rate. Consumers may even find the biggest savings come from some of the smallest insurance companies. They may only write in your state and offer lower car insurance rates compared to the large companies like Progressive or Geico.

Some insurance providers do not provide price quotes online and usually these regional carriers only sell through independent insurance agencies. Cheap 2010 Dodge Nitro insurance is available online as well as from independent agents, so compare prices from both to have the best chance of lowering rates.

Much more information about insurance can be found at these links:

• What are my Rights when Filing a Claim? (Insurance Information Insitute)
• Electronic Stability Control FAQ (iihs.org)
• Comprehensive Coverage (Liberty Mutual)
• Credit Impacts Car Insurance Rates (State Farm)
• Insuring a Leased Car (Insurance Information Insitute)